0000878467 2026-04-30 2026-04-30 0000878467 efivaaa:AfterAnyWaiversOrExpenseReimbursementsMember 2026-04-30 2026-04-30 0000878467 efivaaa:AutomaticAnnuityBuilderMember 2026-04-30 2026-04-30 0000878467 efivaaa:AutomaticRebalancingMember 2026-04-30 2026-04-30 0000878467 vip:ContractChangesRiskMember 2026-04-30 2026-04-30 0000878467 efivaaa:DollarCostAveragingMember 2026-04-30 2026-04-30 0000878467 vip:InsuranceCompanyRiskMember 2026-04-30 2026-04-30 0000878467 vip:InvestmentOptionsRiskMember 2026-04-30 2026-04-30 0000878467 efivaaa:NotAppropriateForCertainIndividualsMember 2026-04-30 2026-04-30 0000878467 vip:NotShortTermInvestmentRiskMember 2026-04-30 2026-04-30 0000878467 efivaaa:PossibilityOfAdverseTaxConsequencesMember 2026-04-30 2026-04-30 0000878467 efivaaa:PotentialHarmfulFundTransferActivityMember 2026-04-30 2026-04-30 0000878467 efivaaa:PotentialImpactOfAnyFeesYouPayToThirdPartyInvestmentAdvisoryFirmsMember 2026-04-30 2026-04-30 0000878467 vip:RiskOfLossMember 2026-04-30 2026-04-30 0000878467 efivaaa:S000002887Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000004174Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000004175Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000004181Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007317Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007325Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007716Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007717Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007718Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007720Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007721Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007724Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007725Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007726Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007730Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007731Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007732Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007733Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007734Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007735Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007736Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007742Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007747Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007752Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007753Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007755Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007756Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000007758Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000009661Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000009665Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000009667Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000009673Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000010295Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000016757Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000016758Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000016759Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017648Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017654Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017655Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017656Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017657Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017659Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017660Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017661Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017662Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017663Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017664Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017665Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017666Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017667Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000017668Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000018574Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000039296Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000039298Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000044870Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000061711Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000061712Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000061713Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000061714Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000064660Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000076747Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000076748Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000076749Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000076750Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000079708Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000079709Member 2026-04-30 2026-04-30 0000878467 efivaaa:S000084059Member 2026-04-30 2026-04-30 0000878467 vip:StandardDeathBenefitMember 2026-04-30 2026-04-30 0000878467 efivaaa:SystematicWithdrawalProgramMember 2026-04-30 2026-04-30 iso4217:USD pure N-4 0000878467 false 2025-12-31 N-4 EMPIRE FIDELITY INVESTMENTS VARIABLE ANNUITY ACCOUNT A <table cellpadding="0" cellspacing="0" id="table823560" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="font-size: 1pt;"> <td colspan="15" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 8pt; height: 3.75pt;"> </td> <td colspan="2" style="border-top: 0.75pt solid #000000; height: 3.75pt;"> </td> <td colspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; height: 3.75pt;"> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td colspan="15" style="padding-bottom: 4pt; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">FEES, EXPENSES, AND ADJUSTMENTS</div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; text-align: left;"> </div> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="padding-bottom: 4pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: top; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Location in<br/></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Prospectus</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table523790" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Are There</div> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Charges or</div> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Adjustments</div> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">for Early</div> <div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Withdrawals?</div> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; text-align: center; width: 1.21101e+15%;">No</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table411961" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Are There Transaction Charges?</div> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 1.21101e+15%;">Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange.</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;">Fee Tables</td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table127970" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Are There Ongoing<br/>Fees and Expenses?</div> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="vertical-align: top; width: 1.21101e+15%;">Yes, the table below describes the fees and expenses that you may pay <span style="font-style: italic;">each year</span> , depending on the investment options you choose. The Annual Charges do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from your Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fee Tables</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">8. Current</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Charges and</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Other Deductions</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">Appendix A: Funds Available Under the Contract</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table645825" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 12110%;"><span style="font-weight: bold;">Annual Fee</span></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 1019%;"><span style="font-weight: bold;">Minimum</span></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 919%;"><span style="font-weight: bold;">Maximum</span></td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table792815" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 12110%;">Base Contract Expenses</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 1019%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.25%<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 919%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.25%<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table345585" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 12110%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Subaccounts</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">(Fund fees and expenses)</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 1019%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%<sup style="font-size: 75%; vertical-align: top;">3</sup></div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 919%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">3.38%<sup style="font-size: 75%; vertical-align: top;">3</sup></div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table980136" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 9pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 0%;"> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="11" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+13%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup><span style="font-style: italic;">As a percentage of the average Contract Value.</span></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">2</sup><span style="font-style: italic;">You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges.</span></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">3</sup><span style="font-style: italic;"> As a percentage of the net assets of each Subaccount.</span></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;">  </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 0%;"> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1px solid black; width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 1px solid black; width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table111800" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="font-size: 1pt;"> <td colspan="15" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 8pt; height: 3.75pt;"> </td> <td colspan="2" style="border-top: 0.75pt solid #000000; height: 3.75pt;"> </td> <td colspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; height: 3.75pt;"> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td colspan="15" style="padding-bottom: 4pt; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">FEES, EXPENSES, AND ADJUSTMENTS</div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; text-align: left;"> </div> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="padding-bottom: 4pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: middle; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Location in</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Prospectus</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table941813" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td colspan="13" style="vertical-align: top; width: 1.21101e+13%;">Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay <span style="font-style: italic;">each year</span> , based on current charges.</td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table179119" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="5" style="border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 1.21101e+07%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Lowest Annual Cost</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">$327</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="5" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 91919%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Highest Annual Cost</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">$2,986</div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table354493" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="5" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+07%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">Assumes</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt; text-align: left;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Investment of $100,000</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">5% annual appreciation</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">0.25% Base Contract Expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Least expensive combination of Fund fees and expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No advisory fees paid to third-party investment advisory firms</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No additional Purchase Payments, transfers or withdrawals</div> </div> </div> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="5" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 91919%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">Assumes</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt; text-align: left;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Investment of $100,000</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">5% annual appreciation</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">0.25% Base Contract Expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Most expensive combination of Fund fees and expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No advisory fees paid to third-party investment advisory firms</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No additional Purchase Payments, transfers or withdrawals</div> </div> </div> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> No Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table127970" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Are There Ongoing<br/>Fees and Expenses?</div> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="vertical-align: top; width: 1.21101e+15%;">Yes, the table below describes the fees and expenses that you may pay <span style="font-style: italic;">each year</span> , depending on the investment options you choose. The Annual Charges do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from your Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fee Tables</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">8. Current</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Charges and</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Other Deductions</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">Appendix A: Funds Available Under the Contract</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table645825" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 12110%;"><span style="font-weight: bold;">Annual Fee</span></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 1019%;"><span style="font-weight: bold;">Minimum</span></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="padding-bottom: 6pt; border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 919%;"><span style="font-weight: bold;">Maximum</span></td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table792815" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 12110%;">Base Contract Expenses</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 1019%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.25%<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 919%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.25%<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table345585" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 12110%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Subaccounts</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">(Fund fees and expenses)</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 1019%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%<sup style="font-size: 75%; vertical-align: top;">3</sup></div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="3" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: middle; width: 919%;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; text-align: center;">3.38%<sup style="font-size: 75%; vertical-align: top;">3</sup></div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); width: 17%;"></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table980136" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 9pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 0%;"> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="11" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+13%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup><span style="font-style: italic;">As a percentage of the average Contract Value.</span></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">2</sup><span style="font-style: italic;">You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges.</span></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">3</sup><span style="font-style: italic;"> As a percentage of the net assets of each Subaccount.</span></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;">  </td> <td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 0%;"> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1px solid black; width: 0%;"></td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 1px solid black; width: 17%;"></td> </tr> </table> 0.0025 0.0025 0.0009 0.0338 1As a percentage of the average Contract Value.2You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges. As a percentage of the net assets of each Subaccount. <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table179119" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="5" style="border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 1.21101e+07%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Lowest Annual Cost</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">$327</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="5" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; text-align: center; width: 91919%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Highest Annual Cost</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">$2,986</div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table354493" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="vertical-align: bottom; width: 1%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td colspan="5" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+07%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">Assumes</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt; text-align: left;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Investment of $100,000</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">5% annual appreciation</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">0.25% Base Contract Expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Least expensive combination of Fund fees and expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No advisory fees paid to third-party investment advisory firms</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No additional Purchase Payments, transfers or withdrawals</div> </div> </div> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td> <td colspan="5" style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 91919%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">Assumes</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt; text-align: left;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Investment of $100,000</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">5% annual appreciation</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">0.25% Base Contract Expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Most expensive combination of Fund fees and expenses</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No advisory fees paid to third-party investment advisory firms</div> </div> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">No additional Purchase Payments, transfers or withdrawals</div> </div> </div> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 1pt;"> </div> </td> <td style="vertical-align: bottom; width: 3%;">  </td> <td style="vertical-align: top; width: 0%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> </table> 327 2986 <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table546638" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 4pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="vertical-align: top; width: 1.21101e+15%;"></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> </td> </tr> <tr style="font-size: 1pt;"> <td colspan="17" style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; height: 3.75pt; width: 1.51001e+20%;"> </td> <td colspan="2" style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); height: 3.75pt; width: 17%;"> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td colspan="17" style="padding-bottom: 4pt; border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 1.51001e+20%;"> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">RISKS</div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; text-align: left;"> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="padding-bottom: 4pt; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: middle; text-align: center; width: 17%;"><span style="font-weight: bold;">Location in<br/>Prospectus</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table660912" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Is There a Risk of Loss from Poor Performance?</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+15%;">Yes, an investor can lose money by investing in the Contract.</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">1. Principal Risks of Investing in the Contract</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">2(a). EFILI and the Variable Account</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">2(b). The Funds</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table122474" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">Is This a Short‑Term Investment?</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+15%;">No, the Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, the taxable portion of a distribution will generally be taxed as ordinary income and may be subject to a penalty tax if received before age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>.</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;">1. Principal Risks of Investing in the Contract</td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table490612" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">What Are the Risks Associated with the Investment Options?</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+15%;"> <div style="margin-left: 1.00em; text-indent: -1.00em; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.000000em; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">An investment in the Contract is subject to the risk of poor performance of the Subaccount(s).</div> </div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-left: 1.00em; text-indent: -1.00em; margin-bottom: 0pt; margin-top: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.000000em; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Performance will vary based on the performance of the Subaccount(s) you select.</div> </div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-left: 1.00em; text-indent: -1.00em; margin-bottom: 0pt; margin-top: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.000000em; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">Each Subaccount will have its own unique risks.</div> </div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-left: 1.00em; text-indent: -1.00em; margin-bottom: 0pt; margin-top: 0pt; display: table-row;"> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.000000em; font-family: times new roman;">•</div> </div> <div style="display: table-cell;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.150000em; font-family: times new roman;">You should review each Fund’s prospectus carefully before making an investment decision.</div> </div> </div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">1. Principal Risks of Investing in the Contract</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">2(a). EFILI and the Variable Account</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">2(b). The Funds</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table979030" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="font-size: 1pt;"> <td colspan="17" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 8pt; height: 3.75pt;"> </td> <td colspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; height: 3.75pt;"> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td colspan="17" style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">RISKS</div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; text-align: left;"> </div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Location in<br/>Prospectus</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table956111" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 15%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 10%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 9%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 17%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; width: 15%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.60em; font-size: 10pt; font-family: times new roman;">What Are the Risks Related<br/>to the Insurance Company?</div> </td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;">  </td> <td colspan="15" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 1.21101e+15%;">The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. EFILI has an A+ Financial Strength Rating from AM Best as of March 5, 2026.</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 0%;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; width: 17%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">1. Principal Risks of Investing in the Contract</div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">2(a). EFILI and the Variable Account</div> </td> </tr> </table> Yes, an investor can lose money by investing in the Contract. No, the Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, the taxable portion of a distribution will generally be taxed as ordinary income and may be subject to a penalty tax if received before age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>. •An investment in the Contract is subject to the risk of poor performance of the Subaccount(s).•Performance will vary based on the performance of the Subaccount(s) you select.•Each Subaccount will have its own unique risks.•You should review each Fund’s prospectus carefully before making an investment decision. The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. EFILI has an A+ Financial Strength Rating from AM Best as of March 5, 2026. Yes, the following restrictions may apply:•During all or part of the Free Look Period, we reserve the right to invest your Purchase Payments in the Government Money Market Subaccount.•You cannot exchange less than $250 from any Subaccount except that if you have less than $250 in a Subaccount you may exchange the entire amount.•Contract Owners who engage in frequent Exchanges may be subjected to temporary or permanent restrictions on future purchase transactions or Exchanges.•We have the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests.Yes, there are:•We will not pay any Beneficiary their portion of the Death Benefit until we have determined the number of Beneficiaries entitled to receive payment and received all required forms in good order.•We reserve the right to modify or terminate certain benefits available under the Contract. •The Contracts are not offered in connection with Individual Retirement Accounts (“IRAs”) or qualified plans of any kind.•Consult with a tax professional to determine the tax implications of an investment in and payments received under this Contract.•Under current law, you will not be taxed on increases in the value of your Contract until a distribution occurs. The taxable portion of a distribution will generally be taxed as ordinary income. A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>. Your investment professional may receive compensation for selling this Contract to you in the form of commissions. This financial incentive may influence your investment professional to recommend this Contract over another investment. Your investment professional may have a financial incentive to offer you a new contract in place of the one you own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. <div id="pro937285_4" style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">FEE TABLES </span></div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">The following tables describe the fees and expenses that you will pay while you own the Contract. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. These tables do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">The first table describes the fees and expenses that you will pay at the time that you transfer Contract Value between Subaccounts.</div> <table cellpadding="0" cellspacing="0" id="table599331" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 48%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"><span style="font-weight: bold;">Transaction Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span style="font-weight: bold;">Current Charge</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span style="font-weight: bold;">Maximum Charge</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Transfer Fee</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">None</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">$15.00<sup style="font-size: 75%; vertical-align: top;">A</sup></td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table645520" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">A</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit.</span></div> </td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;">The next table describes the fees and expenses that you will pay </span><span style="font-weight: bold;"><span style="font-style: italic;">each year </span></span><span style="font-weight: bold;">during the time that you own the Contract (not including Fund fees and expenses). </span></div> <table cellpadding="0" cellspacing="0" id="table735335" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 68%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom;"><span style="font-weight: bold;">Annual Contract Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Maximum Charge </span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Base Contract Expenses<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">(as a percentage of the average Contract Value)</span></div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;">0.25%</td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table429198" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”.</span></div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <table cellpadding="0" cellspacing="0" id="table255133" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">2</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges <b>(See 8(c). Automatic Contract Charge Reduction).</b> Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010.</span></div> </td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;"><span style="font-style: italic;">We reserve the right to terminate the lower Contract Charges for new applicants at any time. We also reserve the right to terminate the availability of the lower Contract Charges to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants. You should not purchase a Contract based on the expectation that we will still be offering new Contracts at the lower Contract Charges if your Contract Value reaches $1,000,000 or more at some time in the future. </span></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found at the back of this document.</div> <table cellpadding="0" cellspacing="0" id="table972741" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 80%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom;"><span style="font-weight: bold;">Annual Portfolio Company Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Minimum </span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Maximum </span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">(expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses)</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">3.38% </div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">(expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements)</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;">3.19%<sup style="font-size: 75%; vertical-align: top;">1</sup></td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table756781" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">This reflects temporary reductions to Fund expenses.</span></div> </td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">Example</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:</div> <table cellpadding="0" cellspacing="0" id="table464866" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 25%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">3 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 years</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;">$3,655</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$11,115</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$18,782</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: bottom; text-align: center;">$38,886</td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">The first table describes the fees and expenses that you will pay at the time that you transfer Contract Value between Subaccounts.</div> <table cellpadding="0" cellspacing="0" id="table599331" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 48%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 3%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"><span style="font-weight: bold;">Transaction Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span style="font-weight: bold;">Current Charge</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span style="font-weight: bold;">Maximum Charge</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Transfer Fee</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">None</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">$15.00<sup style="font-size: 75%; vertical-align: top;">A</sup></td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table645520" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">A</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit.</span></div> </td> </tr> </table> 0 15.00 Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit. <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;">The next table describes the fees and expenses that you will pay </span><span style="font-weight: bold;"><span style="font-style: italic;">each year </span></span><span style="font-weight: bold;">during the time that you own the Contract (not including Fund fees and expenses). </span></div> <table cellpadding="0" cellspacing="0" id="table735335" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 68%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 12%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom;"><span style="font-weight: bold;">Annual Contract Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Maximum Charge </span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Base Contract Expenses<sup style="font-size: 75%; vertical-align: top;">1,2</sup></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">(as a percentage of the average Contract Value)</span></div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;">0.25%</td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table429198" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”.</span></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table255133" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">2</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges <b>(See 8(c). Automatic Contract Charge Reduction).</b> Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010.</span></div> </td> </tr> </table> 0.0025 <table cellpadding="0" cellspacing="0" id="table429198" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”.</span></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table255133" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">2</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges <b>(See 8(c). Automatic Contract Charge Reduction).</b> Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010.</span></div> </td> </tr> </table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found at the back of this document.</div> <table cellpadding="0" cellspacing="0" id="table972741" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 84%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 80%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom;"><span style="font-weight: bold;">Annual Portfolio Company Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Minimum </span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;"> Maximum </span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">(expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses)</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">3.38% </div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">(expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements)</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: middle;"> <div style="font-size: 4pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: times new roman; text-align: center;">0.09%</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;">  </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;">3.19%<sup style="font-size: 75%; vertical-align: top;">1</sup></td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table756781" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 9pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"><span style="font-style: italic;"></span><sup style="font-size: 75%; vertical-align: top;">1</sup> <span style="font-style: italic;"></span></td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">This reflects temporary reductions to Fund expenses.</span></div> </td> </tr> </table> (expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses) 0.0009 0.0338 (expenses that are deducted from Fund assets,<br/>including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements) 0.0009 0.0319 This reflects temporary reductions to Fund expenses. <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">Example</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:</div> <table cellpadding="0" cellspacing="0" id="table464866" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 25%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">3 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 years</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;">$3,655</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$11,115</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$18,782</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: bottom; text-align: center;">$38,886</td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">Example</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:</div> <table cellpadding="0" cellspacing="0" id="table464866" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 25%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">3 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 years</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;">$3,655</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$11,115</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$18,782</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: bottom; text-align: center;">$38,886</td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">Example</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold;">This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:</div> <table cellpadding="0" cellspacing="0" id="table464866" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; width: 100%; border-spacing: 0px; margin-right: auto; margin-left: auto; table-layout: fixed; outline: none; outline-offset: 0px;"> <tr> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 25%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="vertical-align: bottom; width: 1%; padding-top: 0px; padding-bottom: 0px;"></td> <td style="width: 24%; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">3 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 years</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 years</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: bottom; text-align: center;">$3,655</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$11,115</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">$18,782</td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: bottom; text-align: center;">$38,886</td> </tr> </table> 3655 3655 3655 11115 11115 11115 18782 18782 18782 38886 38886 38886 <div id="pro937285_5" style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">1.</span> <span style="text-decoration: underline;"> PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</span></div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Risk of Loss: </span></span>The value of the money you invest in any Subaccount will vary with the investment performance of the single Fund in which the Subaccount invests. There is a risk of loss of the entire amount invested. Values may increase, decrease, or stay the same. You bear the investment risk. You should review each Fund’s prospectus carefully before making an investment decision.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Not A Short-Term Investment: </span></span>The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, adverse tax consequences may result from withdrawals prior to age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Possibility of Adverse Tax Consequences: </span></span>A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Not appropriate for Certain Individuals: </span></span>Investors who may benefit from this Contract are individuals who have maximized contributions to traditional tax‑deferred savings vehicles and are seeking additional opportunities to invest long-term on a tax‑deferred basis. The contract is generally not appropriate for investors who have not maximized contributions to other traditional tax‑deferred savings vehicles available to them, such as individual</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">retirement accounts (IRAs) and employer sponsored plans. This is because these savings vehicles already provide tax‑deferral, but, unlike annuity contracts, they are not subject to a Base Contract Expense and certain other charges unique to annuity contracts. While there are higher cost annuity contracts that provide insurance benefits not available in traditional tax‑deferred savings vehicles, this annuity Contract provides limited insurance benefits (primarily the ability to annuitize and receive income payments for life).</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Potential Harmful Fund Transfer Activity: </span></span>Frequent Exchanges among Subaccounts by Contract Owners can reduce the long-term returns of the Funds. The reduced returns could adversely affect the owners, annuitants, insureds or beneficiaries of any variable annuity or variable life insurance contract issued by any insurance company with respect to values allocated to the Fund. Frequent Exchanges may reduce a Fund’s performance by increasing costs paid by the Fund (such as brokerage commissions); they can disrupt portfolio management strategies; and they can have the effect of diluting the value of the shares of long-term shareholders in cases in which fluctuations in markets are not fully priced into the Fund’s net asset value. EFILI has adopted policies designed to discourage frequent trading. <span style="font-weight: bold;">See </span><span style="font-weight: bold;"><span style="font-style: italic;">5. Making Exchanges Among Subaccounts </span></span>for more information.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Insurance Company Risks: </span></span>The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. If EFILI experiences financial distress, it may not be able to meet its obligations – annuity income payments guaranteed under the Contract could be especially at risk.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Potential Impact of Any Fees You Pay to Third-Party Investment Advisory Firms: </span></span>You may authorize a third‑party investment advisory firm (the “Advisor”) to make asset allocation decisions and request other transactions within the Contract on your behalf. The Advisor may charge an advisory fee for their services, and this fee would be in addition to the Contract’s fees and expenses. If you elect to pay this advisory fee from the Contract, then this deduction will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Contract Changes Risk: </span></span>There is the risk that in the future we will exercise our right to change certain fees or features of the Contract, including the following:</div> <table cellpadding="0" cellspacing="0" id="table593239" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We may limit the amount of any Initial or Additional Purchase Payment.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table763551" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to terminate the availability of the lower Contract Charges (0.10%) to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table713224" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to limit exchanges, and to charge as much as $15.00 for each exchange in excess of six per calendar year.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table320834" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table262617" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We may modify or terminate certain Contract features such as dollar cost averaging, automatic rebalancing, and the systematic withdrawal program.</div> </td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Risk of Loss: </span></span>The value of the money you invest in any Subaccount will vary with the investment performance of the single Fund in which the Subaccount invests. There is a risk of loss of the entire amount invested. Values may increase, decrease, or stay the same. You bear the investment risk. You should review each Fund’s prospectus carefully before making an investment decision.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Not A Short-Term Investment: </span></span>The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, adverse tax consequences may result from withdrawals prior to age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Possibility of Adverse Tax Consequences: </span></span>A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 59<sup style="vertical-align: top;">1</sup>⁄<sub style="vertical-align: bottom;">2</sub>.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Not appropriate for Certain Individuals: </span></span>Investors who may benefit from this Contract are individuals who have maximized contributions to traditional tax‑deferred savings vehicles and are seeking additional opportunities to invest long-term on a tax‑deferred basis. The contract is generally not appropriate for investors who have not maximized contributions to other traditional tax‑deferred savings vehicles available to them, such as individual</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">retirement accounts (IRAs) and employer sponsored plans. This is because these savings vehicles already provide tax‑deferral, but, unlike annuity contracts, they are not subject to a Base Contract Expense and certain other charges unique to annuity contracts. While there are higher cost annuity contracts that provide insurance benefits not available in traditional tax‑deferred savings vehicles, this annuity Contract provides limited insurance benefits (primarily the ability to annuitize and receive income payments for life).</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Potential Harmful Fund Transfer Activity: </span></span>Frequent Exchanges among Subaccounts by Contract Owners can reduce the long-term returns of the Funds. The reduced returns could adversely affect the owners, annuitants, insureds or beneficiaries of any variable annuity or variable life insurance contract issued by any insurance company with respect to values allocated to the Fund. Frequent Exchanges may reduce a Fund’s performance by increasing costs paid by the Fund (such as brokerage commissions); they can disrupt portfolio management strategies; and they can have the effect of diluting the value of the shares of long-term shareholders in cases in which fluctuations in markets are not fully priced into the Fund’s net asset value. EFILI has adopted policies designed to discourage frequent trading. <span style="font-weight: bold;">See </span><span style="font-weight: bold;"><span style="font-style: italic;">5. Making Exchanges Among Subaccounts </span></span>for more information.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Insurance Company Risks: </span></span>The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. If EFILI experiences financial distress, it may not be able to meet its obligations – annuity income payments guaranteed under the Contract could be especially at risk.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Potential Impact of Any Fees You Pay to Third-Party Investment Advisory Firms: </span></span>You may authorize a third‑party investment advisory firm (the “Advisor”) to make asset allocation decisions and request other transactions within the Contract on your behalf. The Advisor may charge an advisory fee for their services, and this fee would be in addition to the Contract’s fees and expenses. If you elect to pay this advisory fee from the Contract, then this deduction will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-weight: bold;"><span style="font-style: italic;">Contract Changes Risk: </span></span>There is the risk that in the future we will exercise our right to change certain fees or features of the Contract, including the following:</div> <table cellpadding="0" cellspacing="0" id="table593239" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We may limit the amount of any Initial or Additional Purchase Payment.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table763551" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to terminate the availability of the lower Contract Charges (0.10%) to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table713224" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to limit exchanges, and to charge as much as $15.00 for each exchange in excess of six per calendar year.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table320834" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We reserve the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests.</div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table262617" style="border-collapse: collapse; font-family: &quot;times new roman&quot;; font-size: 10pt; border-spacing: 0px; width: 100%; outline: none; outline-offset: 0px;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="width: 3%; vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;">•</td> <td style="width: 2%; vertical-align: top; padding-top: 0px; padding-bottom: 0px;"> </td> <td style="vertical-align: top; text-align: left; padding-top: 0px; padding-bottom: 0px;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: times new roman; font-size: 10pt; text-align: left;">We may modify or terminate certain Contract features such as dollar cost averaging, automatic rebalancing, and the systematic withdrawal program.</div> </td> </tr> </table> <div id="pro937285_15" style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;"><span style="text-decoration:underline">4.</span> <span style="text-decoration:underline"> BENEFITS AVAILABLE UNDER THE CONTRACT</span> </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">The following table summarizes information about the benefits available under the Contract. A detailed description of each benefit follows the table. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Standard Benefits </div> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:21%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:36%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:10%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:27%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Name of</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Purpose</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Maximum</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Fee</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Brief Description of</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Restrictions/Limitations</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">There is no guaranteed minimum death benefit.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Automatic Annuity Builder</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Minimum transfer amount is $100.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">We reserve the right to restrict participation if there is insufficient funds to complete a transfer.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Dollar Cost Averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option).</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Minimum transfer amount is $250.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">May not be used at the same time as Automatic Rebalancing.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">We reserve the right to modify or terminate this benefit.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Automatic Rebalancing</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Helps to maintain a specified allocation mix among Subaccounts.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit.</td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Systematic Withdrawal Program</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit.</td> </tr> </table> <div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Standard Benefits </div> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:21%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:36%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:10%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:27%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Name of</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Purpose</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Maximum</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Fee</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Brief Description of</div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Restrictions/Limitations</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">There is no guaranteed minimum death benefit.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Automatic Annuity Builder</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Minimum transfer amount is $100.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">We reserve the right to restrict participation if there is insufficient funds to complete a transfer.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Dollar Cost Averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option).</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Minimum transfer amount is $250.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">May not be used at the same time as Automatic Rebalancing.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">We reserve the right to modify or terminate this benefit.</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Automatic Rebalancing</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Helps to maintain a specified allocation mix among Subaccounts.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit.</td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;">Systematic Withdrawal Program</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center;">None</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit.</td> </tr> </table> Death Benefit Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed. 0 There is no guaranteed minimum death benefit.We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment.Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit. Automatic Annuity Builder Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account. 0 Minimum transfer amount is $100.We reserve the right to restrict participation if there is insufficient funds to complete a transfer. Dollar Cost Averaging Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option). 0 Minimum transfer amount is $250.May not be used at the same time as Automatic Rebalancing.We reserve the right to modify or terminate this benefit. Automatic Rebalancing Helps to maintain a specified allocation mix among Subaccounts. 0 May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit. Systematic Withdrawal Program Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis. 0 Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit. <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;"><span style="text-decoration:underline">Death Benefit: </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">What is the Death Benefit? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">The Death Benefit is a benefit that is triggered if any Owner dies before the Annuity Date. The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed. If the Contract is owned by a trust, then the death of an Annuitant is treated as the death of an Owner. In the event of the death of an Owner who is also an Annuitant, the provisions of the Contract regarding the death of the Owner control and override any inconsistent provisions regarding the death of the Annuitant. The Death Benefit is included in your Contract for no additional charge. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">The Contract does not guarantee a minimum Death Benefit. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">Who has the right to the Death Benefit? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">The Beneficiary(ies) designated in the Contract has the right to the Death Benefit. The Beneficiary(ies) is the person(s) to whom proceeds of the Contract pass by reason of the death of the Owner(s) (or Annuitant in the case of a trust owned contract). If a Contract has two Owners and one Owner dies before the Annuity Date, the surviving Owner is treated as the Beneficiary over any other Beneficiaries. If the Owner(s) fails to designate a Beneficiary prior to death, in most cases the estate will be deemed the Beneficiary, in which case the Death Benefit must be administered through the probate process. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">What are the different options for receiving the Death Benefit? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Listed below are the settlement options that EFILI makes available to receive the Death Benefit. The settlement options available are driven primarily by federal tax law that the Contract must comply with to qualify as an annuity for tax purposes. </div> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:22%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:56%;"></td> <td style="vertical-align:bottom;"></td> <td style="width:20%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-family:times new roman;font-size:10pt;font-weight:bold;text-align:center;">Settlement Option</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Description</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"><span style="font-weight:bold">Beneficiary</span><br/><span style="font-weight:bold">Restrictions</span></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">5 Year Distribution</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Entire interest in the Contract must be withdrawn no later than five years from the date of death.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;margin-right:0.20em;font-size:10pt;font-family:times new roman;">In the event state escheatment laws require escheatment to the state before five years from the date of death, a Beneficiary may not have the full five-year distribution period to withdraw the Contract Value as described in the Contract. <span style="font-weight:bold">See </span><span style="font-weight:bold"><span style="font-style:italic">10(f). Abandoned Property.</span></span></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">No restrictions</td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Annuitization</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Entire interest in the Contract is payable over the Beneficiary’s or surviving Owner’s lifetime by electing annuitization within 60 days of the date of death, with distributions beginning within one year of the date of death. A Beneficiary who elects this option gives up future access to the Contract Value in exchange for a guaranteed stream of income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">Beneficiary must be a natural person</td> </tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:22%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:56%;"></td> <td style="vertical-align:bottom;"></td> <td style="width:20%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-family:times new roman;font-size:10pt;font-weight:bold;text-align:center;">Settlement Option</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Description</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"><span style="font-weight:bold">Beneficiary</span><br/><span style="font-weight:bold">Restrictions</span></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Stretch Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-right:0.30em;font-size:10pt;font-family:times new roman;">Entire interest in the Contract is paid over a period not extending beyond the Beneficiary’s life expectancy in systematic withdrawals with distributions beginning within one year of the date of death. Under this option the Beneficiary cannot make ad hoc partial withdrawals but can make a complete withdrawal of the remaining Contract Value at any time.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Beneficiary must be:</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">(i). a natural person</div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">and</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">(ii). not a spouse of the deceased Owner</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Continuation of</div> <div style="margin-top:0pt;margin-bottom:1pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Contract</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Continue the Contract, or their portion of the Contract, as the Owner.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Will be treated as having been the sole Owner from the Contract Date, except that he or she will not be able to add a second Owner.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Will be able to change the Annuity Date to a date as late as the first day of the calendar month following his or her 90th birthday.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Beneficiary must be spouse of deceased Owner</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Federal tax law does not allow a civil union partner to continue the Contract as his or her own.</div></td> </tr> </table><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">How are Beneficiaries designated in the Contract? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">The Owner(s) designate(s) a Beneficiary or Beneficiaries in the application and can change Beneficiaries prior to death. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Owner(s) must indicate in percentages what portion of the Contract each Beneficiary is to receive. If the total does not equal 100%, each Beneficiary’s share will be determined by using a fraction, the numerator of which is the stated percentage for that Beneficiary, and the denominator of which is the total of the percentages indicated by the Owner(s). </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Beneficiary designations must be in a form acceptable to us. We reserve the right to reject any Beneficiary designation that we deem unable to administer, which may include designations that contain contingencies that could delay payment or designations that would require us to refer to external documents or the outcome of legal proceedings. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">What is the process for claiming the Death Benefit? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Before we make a payment to any Beneficiary, we must receive at our Annuity Service Center due proof of death (generally a death certificate) for each Owner and any required tax withholding and other forms. We may seek to obtain a death certificate directly from the appropriate governmental body if we believe that any Owner may have died. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">At the close of the Valuation Period in which we receive the death certificate(s), we will transfer to the Government Money Market Subaccount any portion of the Contract Value that is in the other Subaccounts. Once we have determined the number of Beneficiaries who will share in the Contract Value, a Beneficiary who has returned all required documentation to us (including tax withholding and other forms) will be able to transfer his or her share of the Contract Value among the Subaccounts. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment. This is to prevent us from overpaying one Beneficiary before making payment to other Beneficiaries. </div><div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Once we have received due proof of death and have determined the number of Beneficiaries to be paid, we will, upon request, pay any Beneficiary who has provided us with required tax withholding and/or any other forms we may require. Upon paying a Beneficiary their entire interest in the Contract, we will have no further obligations to that Beneficiary. If the Contract Value for any one Beneficiary is less than $5,000, then we will send that Beneficiary their entire portion of the Contract Value as soon as we have received all required documentation. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">If a Beneficiary has been designated to receive a specified fraction of the Contract Value, we will pay that fraction as determined on the date of payment. For example, if there are two Beneficiaries and each is designated to receive 50%, the first Beneficiary to receive payment would receive 50% of the Contract Value on the date the payment is made, and the other Beneficiary would later receive the remainder, which might be worth more or less than what was paid to the first Beneficiary. </div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">If a Beneficiary survives all the Owners but does not live long enough to receive payment from us, we will pay the Beneficiary’s estate. </div> <div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;font-weight:bold;"><span style="font-style:italic">What are the different options for receiving the Death Benefit? </span></div><div style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Listed below are the settlement options that EFILI makes available to receive the Death Benefit. The settlement options available are driven primarily by federal tax law that the Contract must comply with to qualify as an annuity for tax purposes. </div> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:22%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:56%;"></td> <td style="vertical-align:bottom;"></td> <td style="width:20%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-family:times new roman;font-size:10pt;font-weight:bold;text-align:center;">Settlement Option</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Description</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"><span style="font-weight:bold">Beneficiary</span><br/><span style="font-weight:bold">Restrictions</span></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">5 Year Distribution</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Entire interest in the Contract must be withdrawn no later than five years from the date of death.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;margin-right:0.20em;font-size:10pt;font-family:times new roman;">In the event state escheatment laws require escheatment to the state before five years from the date of death, a Beneficiary may not have the full five-year distribution period to withdraw the Contract Value as described in the Contract. <span style="font-weight:bold">See </span><span style="font-weight:bold"><span style="font-style:italic">10(f). Abandoned Property.</span></span></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">No restrictions</td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Annuitization</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;">Entire interest in the Contract is payable over the Beneficiary’s or surviving Owner’s lifetime by electing annuitization within 60 days of the date of death, with distributions beginning within one year of the date of death. A Beneficiary who elects this option gives up future access to the Contract Value in exchange for a guaranteed stream of income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;">Beneficiary must be a natural person</td> </tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:times new roman;font-size:10pt;width:100%;border-spacing:0px;margin:0 auto"> <tr> <td style="width:22%;"></td> <td style="vertical-align:bottom;width:1%;"></td> <td style="width:56%;"></td> <td style="vertical-align:bottom;"></td> <td style="width:20%;"></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-family:times new roman;font-size:10pt;font-weight:bold;text-align:center;">Settlement Option</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:middle;"> <div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;font-weight:bold;text-align:center;">Description</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center;"><span style="font-weight:bold">Beneficiary</span><br/><span style="font-weight:bold">Restrictions</span></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Stretch Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-right:0.30em;font-size:10pt;font-family:times new roman;">Entire interest in the Contract is paid over a period not extending beyond the Beneficiary’s life expectancy in systematic withdrawals with distributions beginning within one year of the date of death. Under this option the Beneficiary cannot make ad hoc partial withdrawals but can make a complete withdrawal of the remaining Contract Value at any time.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Beneficiary must be:</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">(i). a natural person</div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">and</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">(ii). not a spouse of the deceased Owner</div></td> </tr> <tr style="page-break-inside:avoid;font-family:times new roman;font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Continuation of</div> <div style="margin-top:0pt;margin-bottom:1pt;margin-left:0.60em;font-size:10pt;font-family:times new roman;">Contract</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Continue the Contract, or their portion of the Contract, as the Owner.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Will be treated as having been the sole Owner from the Contract Date, except that he or she will not be able to add a second Owner.</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Will be able to change the Annuity Date to a date as late as the first day of the calendar month following his or her 90th birthday.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;"> <div style="margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:times new roman;">Beneficiary must be spouse of deceased Owner</div> <div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;"> </div> <div style="margin-top:0pt;margin-bottom:1pt;font-size:10pt;font-family:times new roman;">Federal tax law does not allow a civil union partner to continue the Contract as his or her own.</div></td> </tr> </table> <div id="pro937285_59" style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">APPENDIX A: FUNDS AVAILABLE UNDER THE CONTRACT </span></div><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">The following is a list of Funds available under the Contract. 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 www.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1‑800‑634‑9361 or by sending an email request to filifunddocuments@fidelity.com.</div><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge or any advisory fees that you may pay to a third-party investment advisory firm from the Contract. 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.</div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total investment return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">BlackRock Global Allocation V.I. Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>BlackRock Advisors, LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Subadviser</span>: BlackRock (Singapore) Limited and BlackRock International Limited</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.91%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.53%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks to obtain high total return with reduced risk over the long-term by allocating its assets among stocks, bonds, and</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">short-term instruments</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.59%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.90%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.59%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.05%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Asset Manager 70% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.17%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.78%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks income and capital growth consistent with reasonable risk</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Balanced Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.04%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Bond Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.98%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_269_3fb56b1c_a1b8_f99b_2244_f895d04da2ab;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Communication Services Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">34.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.71%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Discretionary Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Staples Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-3.04%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Contrafund<sup style="font-size: 75%; vertical-align: top;">®</sup> Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.61%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.69%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Disciplined Small Cap Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Dynamic Capital Appreciation Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.81%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.72%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.58%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.78%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Emerging Markets Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.94%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">41.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.84%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Energy Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">24.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.87%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Equity-Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.53%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.94%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.44%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks to provide investment results that correspond to the total return of stocks of mid‑ to small‑capitalization</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">U.S. companies</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Extended Market Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser</span>: Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_60_6a177eb8_82d9_4b35_8909_bf07871d21d1;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Financials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.38%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.31%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Floating Rate High Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.76%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.23%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.00%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.40%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income and, as a secondary objective, capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 20% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.47%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.23%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income and, as a secondary objective, capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 30% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.54%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.86%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_75_d146bd48_ed08_4d97_a22e_180dc35086f3;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_76_3a881c41_f7a5_466a_8ef9_657c4cdc050f;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks current income as well as total return. The fund also considers the potential for capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 40% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.57%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_79_4a81f66b_6868_470a_bcbb_b3b329f5af5a;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_80_5128cd9b_1c89_495f_95f0_d99d73397115;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 50% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.59%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.13%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.78%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.24%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 60% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.71%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.19%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 70% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.65%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.74%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.12%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 85% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.46%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks as high a level of current income as is consistent with preservation of capital and liquidity</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Government Money Market Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.01%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to achieve capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.84%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.36%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return through a combination of current income and capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth &amp; Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.75%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide capital growth</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Opportunities Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.64%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.93%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.23%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.85%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Health Care Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.27%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.66%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Hedged Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Diversifying Solutions LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.56%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_118_d44b7286_7f92_432b_820f_2156eb205002;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_119_71bbfca7_0bb7_4f88_a731_de7a7cb9868e;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_120_74ab6ae4_de73_4034_8b9f_e753e03fb36e;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income, while also considering growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP High Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.85%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.45%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.24%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.57%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Index 500 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.09%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.78%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.70%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Industrials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">24.42%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.70%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.89%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Capital Appreciation Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.85%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.56%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.72%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Adviser: Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">33.15%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_140_6bd94ca4_4b9d_4c7a_8cb5_cec1f12fd4b6;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 40%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks as high a level of current income as is consistent with the preservation of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investment Grade Bond Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">Adviser:<span style="font-style: italic;"> </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.41%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.22%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.68%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2010 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.42%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.68%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2015 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.45%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.87%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.95%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.55%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2020 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.33%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2025 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.51%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.44%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.46%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.95%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2030 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.54%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.37%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.18%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.81%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM </sup>2035 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.58%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.61%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_167_6b203314_4755_40f0_9b77_6398ff83b918;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_168_cbbbd786_7f3c_48e5_9663_75ea08dfa041;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2040 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_171_afdb2308_3247_4aa8_82b8_e07d6b021fbf;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_172_b0c97d4c_6eb4_4e34_942e_881ffd0fd0c1;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2045 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden:h_175_6bb9dae5_b3b4_48c5_8336_283cb2c4b23f">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden:h_176_a992c705_e1ac_4a3b_af30_170a3dcb99d6">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2050 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_179_c3aa128c_4d74_41f9_8042_876f12050735;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_180_ab6434d1_7b85_4c07_a536_a90494dfcfd9;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks high total return with a secondary objective</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">of principal preservation</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom <br/>Retirement<sup style="font-size: 75%; vertical-align: top;">SM</sup> Portfolio†</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.40%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Materials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.76%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.24%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.98%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.59%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Mid Cap Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.50%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Overseas Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.80%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">20.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.54%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.85%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Real Estate Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.15%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income. The fund may also seek capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Strategic Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.82%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.62%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Technology Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.64%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">23.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.75%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">23.67%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Total Market Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_212_00d1d0b0_a00a_4010_bcf5_d3f94231068e;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Utilities Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.03%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.15%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Strategies Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.66%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.89%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.74%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks income</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Franklin U.S. Government Securities VIP Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Franklin Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.14%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Invesco V.I. Global Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Invesco Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.81%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.00%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Lazard Retirement Emerging Markets Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Lazard Asset Management LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.13%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">42.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.04%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.63%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.10%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.33%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.70%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Emerging Markets Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.25%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">32.96%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.37%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.27%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Global Strategist Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.90%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.85%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum real return, consistent with prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn<sup style="font-size: 75%; vertical-align: top;">®</sup> Strategy Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.19%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.54%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum total return, consistent with preservation of capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Low Duration Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.66%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.52%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum real return, consistent with preservation of real capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Real Return Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.85%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.21%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.21%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum total return, consistent with preservation of capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Total Return Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.89%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.36%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Templeton Global Bond VIP Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Franklin Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.75%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.96%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.15%</td> </tr> </table><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Each Fidelity Subaccount invests in Investor Class shares of each Fund except for the VIP Index 500 Portfolio, VIP Bond Index Portfolio, VIP Extended Market Index Portfolio, VIP International Index Portfolio and VIP Total Market Index Portfolio which invest in Initial Class shares of each Fund.</div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 9pt; border-spacing: 0px; width: 100%;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left;"><span style="font-style: italic;">*</span></td> <td style="vertical-align: top; text-align: left;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">This Fund’s current expenses reflect temporary fee reductions. See the Fund’s prospectus for additional information.</span></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 9pt; border-spacing: 0px; width: 100%;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left;">†</td> <td style="vertical-align: top; text-align: left;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Prior to April 30, 2026, the fund was named Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom Income Portfolio.</span></div> </td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">The following is a list of Funds available under the Contract. 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 www.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1‑800‑634‑9361 or by sending an email request to filifunddocuments@fidelity.com.</div> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge or any advisory fees that you may pay to a third-party investment advisory firm from the Contract. 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.</div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total investment return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">BlackRock Global Allocation V.I. Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>BlackRock Advisors, LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Subadviser</span>: BlackRock (Singapore) Limited and BlackRock International Limited</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.91%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.53%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks to obtain high total return with reduced risk over the long-term by allocating its assets among stocks, bonds, and</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">short-term instruments</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.59%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.90%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.59%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.05%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Asset Manager 70% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.17%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.78%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks income and capital growth consistent with reasonable risk</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Balanced Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.04%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Bond Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.98%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_269_3fb56b1c_a1b8_f99b_2244_f895d04da2ab;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Communication Services Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">34.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.71%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Discretionary Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Staples Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-3.04%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Contrafund<sup style="font-size: 75%; vertical-align: top;">®</sup> Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.61%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.69%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Disciplined Small Cap Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Dynamic Capital Appreciation Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.81%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.72%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.58%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.78%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Emerging Markets Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.94%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">41.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.84%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Energy Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">24.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.87%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Equity-Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.53%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.94%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.44%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks to provide investment results that correspond to the total return of stocks of mid‑ to small‑capitalization</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">U.S. companies</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Extended Market Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser</span>: Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_60_6a177eb8_82d9_4b35_8909_bf07871d21d1;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Financials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.38%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.31%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Floating Rate High Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.76%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.23%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.00%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.40%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income and, as a secondary objective, capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 20% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.47%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.23%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income and, as a secondary objective, capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 30% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.54%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.86%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_75_d146bd48_ed08_4d97_a22e_180dc35086f3;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_76_3a881c41_f7a5_466a_8ef9_657c4cdc050f;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks current income as well as total return. The fund also considers the potential for capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 40% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.57%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_79_4a81f66b_6868_470a_bcbb_b3b329f5af5a;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_80_5128cd9b_1c89_495f_95f0_d99d73397115;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 50% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.59%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.13%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.78%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.24%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 60% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.71%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.19%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 70% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.65%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.74%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.12%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 85% Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.46%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks as high a level of current income as is consistent with preservation of capital and liquidity</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Government Money Market Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.08%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.01%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to achieve capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.84%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.62%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.36%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return through a combination of current income and capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth &amp; Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.75%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide capital growth</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Opportunities Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.64%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">21.93%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.23%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.85%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Health Care Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.27%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.10%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.66%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Hedged Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Diversifying Solutions LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.56%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_118_d44b7286_7f92_432b_820f_2156eb205002;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_119_71bbfca7_0bb7_4f88_a731_de7a7cb9868e;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_120_74ab6ae4_de73_4034_8b9f_e753e03fb36e;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income, while also considering growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP High Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.85%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.45%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.24%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.57%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Index 500 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.09%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.78%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.70%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Industrials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">24.42%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.70%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.89%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Capital Appreciation Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.85%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.56%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.72%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Adviser: Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">33.15%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_140_6bd94ca4_4b9d_4c7a_8cb5_cec1f12fd4b6;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 40%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks as high a level of current income as is consistent with the preservation of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investment Grade Bond Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">Adviser:<span style="font-style: italic;"> </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.41%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.22%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.68%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2010 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.42%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.68%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2015 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.45%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.87%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.95%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.55%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2020 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.49%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.29%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.33%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2025 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.51%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.44%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.46%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.95%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2030 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.54%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.37%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.18%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.81%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM </sup>2035 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.58%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.61%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_167_6b203314_4755_40f0_9b77_6398ff83b918;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_168_cbbbd786_7f3c_48e5_9663_75ea08dfa041;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2040 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_171_afdb2308_3247_4aa8_82b8_e07d6b021fbf;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_172_b0c97d4c_6eb4_4e34_942e_881ffd0fd0c1;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2045 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden:h_175_6bb9dae5_b3b4_48c5_8336_283cb2c4b23f">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden:h_176_a992c705_e1ac_4a3b_af30_170a3dcb99d6">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2050 Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">19.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_179_c3aa128c_4d74_41f9_8042_876f12050735;">—</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_180_ab6434d1_7b85_4c07_a536_a90494dfcfd9;">—</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Seeks high total return with a secondary objective</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;">of principal preservation</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom <br/>Retirement<sup style="font-size: 75%; vertical-align: top;">SM</sup> Portfolio†</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.40%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Materials Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.76%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.24%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.98%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.59%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Mid Cap Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.63%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.50%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term growth of capital</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Overseas Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.80%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">20.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.54%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.85%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Real Estate Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.15%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks a high level of current income. The fund may also seek capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Strategic Income Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.67%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.82%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.62%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Technology Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.64%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">23.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">16.75%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">23.67%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Total Market Index Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Principal Subadviser: </span>Geode Capital Management, LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.11%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.14%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; white-space: nowrap; text-align: center;"><span class="sec-hidden" style="-sec-ix-hidden: h_212_00d1d0b0_a00a_4010_bcf5_d3f94231068e;">—</span></td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 38%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Utilities Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">14.03%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.43%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.42%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.68%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.16%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">13.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.15%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Strategies Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Fidelity Management &amp; Research Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.66%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.89%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">12.06%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.74%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks income</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Franklin U.S. Government Securities VIP Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Franklin Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.69%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.14%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Invesco V.I. Global Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Invesco Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.81%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.32%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.28%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.00%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Lazard Retirement Emerging Markets Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Lazard Asset Management LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.13%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">42.12%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">11.04%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">9.63%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.10%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.33%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.70%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.51%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Emerging Markets Equity Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.25%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">32.96%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">4.37%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.27%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks total return</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Morgan Stanley Global Strategist Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Morgan Stanley Investment Management Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.90%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">17.40%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.31%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.85%</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 10pt; width: 100%; border-spacing: 0px; margin: 0 auto;"> <tr> <td style="width: 24%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 39%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td style="width: 7%;"></td> <td style="vertical-align: bottom; width: 1%;"></td> <td></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Investment Objective</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Fund &amp; Adviser/Subadviser</span></td> <td rowspan="2" style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td rowspan="2" style="border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: middle; text-align: center;"><span style="font-weight: bold;">Current<br/>Expenses</span></td> <td style="border-left: 0.75pt solid #000000; border-top: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td colspan="5" style="border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Average Annual Total</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center;">Returns (as of 12/31/25)</div> </td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">1 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">5 year</span></td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 2pt; vertical-align: bottom; text-align: center;"><span style="font-weight: bold;">10 year</span></td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum real return, consistent with prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn<sup style="font-size: 75%; vertical-align: top;">®</sup> Strategy Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.19%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">18.79%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">10.55%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">6.54%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum total return, consistent with preservation of capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Low Duration Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.66%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">5.52%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.57%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.79%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum real return, consistent with preservation of real capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Real Return Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.39%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">7.85%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">1.21%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">3.21%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks maximum total return, consistent with preservation of capital and prudent investment management</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">PIMCO VIT Total Return Portfolio</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Pacific Investment Management Company LLC</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">8.89%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.02%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">2.36%</td> </tr> <tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 8pt; vertical-align: top;">Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Templeton Global Bond VIP Fund</div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: times new roman;"><span style="font-style: italic;">Adviser: </span>Franklin Advisers, Inc.</div> </td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">0.75%*</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">15.73%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.96%</td> <td style="border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: bottom;"> </td> <td style="border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; vertical-align: top; text-align: center;">-0.15%</td> </tr> </table> <div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: times new roman;">Each Fidelity Subaccount invests in Investor Class shares of each Fund except for the VIP Index 500 Portfolio, VIP Bond Index Portfolio, VIP Extended Market Index Portfolio, VIP International Index Portfolio and VIP Total Market Index Portfolio which invest in Initial Class shares of each Fund.</div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 9pt; border-spacing: 0px; width: 100%;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left;"><span style="font-style: italic;">*</span></td> <td style="vertical-align: top; text-align: left;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">This Fund’s current expenses reflect temporary fee reductions. See the Fund’s prospectus for additional information.</span></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-family: times new roman; font-size: 9pt; border-spacing: 0px; width: 100%;"> <tr style="page-break-inside: avoid;"> <td style="width: 3%; vertical-align: top; text-align: left;">†</td> <td style="vertical-align: top; text-align: left;"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: times new roman; text-align: left;"><span style="font-style: italic;">Prior to April 30, 2026, the fund was named Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom Income Portfolio.</span></div> </td> </tr> </table> Seeks high total investment return BlackRock Global Allocation V.I. Fund BlackRock Advisors, LLC BlackRock (Singapore) Limited and BlackRock International Limited 0.0091 0.1953 0.0562 0.0742 Seeks to obtain high total returnwith reduced risk over the long-term by allocating its assetsamong stocks, bonds, andshort-term instruments Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio Fidelity Management &amp; Research Company LLC 0.0059 0.1490 0.0559 0.0705 Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Asset Manager 70% Portfolio Fidelity Management &amp; Research Company LLC 0.0069 0.1817 0.0755 0.0878 Seeks income and capital growth consistent with reasonable risk Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Balanced Portfolio Fidelity Management &amp; Research Company LLC 0.0049 0.1516 0.0943 0.1104 Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Bond Index Portfolio Fidelity Management &amp; Research Company LLC 0.0014 0.0698 -0.0057 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Communication Services Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.3429 0.1511 0.1571 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Discretionary Portfolio Fidelity Management &amp; Research Company LLC 0.0069 0.0673 0.0802 0.1242 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Consumer Staples Portfolio Fidelity Management &amp; Research Company LLC 0.0069 -0.0304 0.0362 0.0579 Seeks long-term capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Contrafund<sup style="font-size: 75%; vertical-align: top;">®</sup> Portfolio Fidelity Management &amp; Research Company LLC 0.0061 0.2143 0.1528 0.1569 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Disciplined Small Cap Portfolio Fidelity Management &amp; Research Company LLC 0.0040 0.1728 0.1029 0.1051 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Dynamic Capital Appreciation Portfolio Fidelity Management &amp; Research Company LLC 0.0081 0.1872 0.1358 0.1478 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Emerging Markets Portfolio Fidelity Management &amp; Research Company LLC 0.0094 0.4106 0.0579 0.1084 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Energy Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.1049 0.2408 0.0787 Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Equity-Income Portfolio Fidelity Management &amp; Research Company LLC 0.0053 0.1894 0.1244 0.1151 Seeks to provide investmentresults that correspond to the totalreturn of stocks of mid‑ tosmall‑capitalizationU.S. companies Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Extended Market Index Portfolio Fidelity Management &amp; Research Company LLC Geode Capital Management, LLC 0.0012 0.1232 0.0802 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Financials Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.1508 0.1638 0.1331 Seeks a high level of current income Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Floating Rate High Income Portfolio Fidelity Management &amp; Research Company LLC 0.0076 0.0523 0.0600 0.0540 Seeks high current income and, as a secondary objective, capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 20% Portfolio Fidelity Management &amp; Research Company LLC 0.0047 0.0914 0.0314 0.0423 Seeks high current income and, as a secondary objective, capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 30% Portfolio Fidelity Management &amp; Research Company LLC 0.0054 0.1086 Seeks current income as well as total return. The fund also considers the potential for capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 40% Portfolio Fidelity Management &amp; Research Company LLC 0.0057 0.1240 Seeks high total return Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 50% Portfolio Fidelity Management &amp; Research Company LLC 0.0059 0.1413 0.0578 0.0724 Seeks high total return Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 60% Portfolio Fidelity Management &amp; Research Company LLC 0.0063 0.1571 0.0667 0.0819 Seeks high total return Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 70% Portfolio Fidelity Management &amp; Research Company LLC 0.0065 0.1712 0.0774 0.0912 Seeks high total return Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP FundsManager<sup style="font-size: 75%; vertical-align: top;">®</sup> 85% Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.1946 0.0910 0.1051 Seeks as high a level of current income as is consistent with preservation of capital and liquidity Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Government Money Market Portfolio Fidelity Management &amp; Research Company LLC 0.0028 0.0410 0.0308 0.0201 Seeks to achieve capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Portfolio Fidelity Management &amp; Research Company LLC 0.0062 0.1484 0.1362 0.1736 Seeks high total return through a combination of current income and capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth &amp; Income Portfolio Fidelity Management &amp; Research Company LLC 0.0055 0.2139 0.1602 0.1375 Seeks to provide capital growth Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Growth Opportunities Portfolio Fidelity Management &amp; Research Company LLC 0.0064 0.2193 0.1123 0.1985 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Health Care Portfolio Fidelity Management &amp; Research Company LLC 0.0067 0.1427 0.0410 0.0866 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Hedged Equity Portfolio Fidelity Diversifying Solutions LLC 0.0056 Seeks a high level of current income, while also considering growth of capital Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP High Income Portfolio Fidelity Management &amp; Research Company LLC 0.0085 0.1045 0.0424 0.0557 Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Index 500 Portfolio Fidelity Management &amp; Research Company LLC Geode Capital Management, LLC 0.0009 0.1778 0.1431 0.1470 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Industrials Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.2442 0.1470 0.1289 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Capital Appreciation Portfolio Fidelity Management &amp; Research Company LLC 0.0085 0.1856 0.0616 0.0972 Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP International Index Portfolio Fidelity Management &amp; Research Company LLC Geode Capital Management, LLC 0.0016 0.3315 0.0802 Seeks as high a level of current income as is consistent with the preservation of capital Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investment Grade Bond Portfolio Fidelity Management &amp; Research Company LLC 0.0041 0.0722 0.0002 0.0268 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2010 Portfolio Fidelity Management &amp; Research Company LLC 0.0042 0.1057 0.0311 0.0568 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2015 Portfolio Fidelity Management &amp; Research Company LLC 0.0045 0.1187 0.0395 0.0655 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2020 Portfolio Fidelity Management &amp; Research Company LLC 0.0049 0.1329 0.0479 0.0733 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2025 Portfolio Fidelity Management &amp; Research Company LLC 0.0051 0.1444 0.0546 0.0795 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2030 Portfolio Fidelity Management &amp; Research Company LLC 0.0054 0.1537 0.0618 0.0881 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM </sup>2035 Portfolio Fidelity Management &amp; Research Company LLC 0.0058 0.1661 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2040 Portfolio Fidelity Management &amp; Research Company LLC 0.0063 0.1869 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2045 Portfolio Fidelity Management &amp; Research Company LLC 0.0067 0.1969 Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom<sup style="font-size: 75%; vertical-align: top;">SM</sup> 2050 Portfolio Fidelity Management &amp; Research Company LLC 0.0067 0.1973 Seeks high total return with asecondary objectiveof principal preservation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Investor Freedom <br/>Retirement<sup style="font-size: 75%; vertical-align: top;">SM</sup> Portfolio Fidelity Management &amp; Research Company LLC 0.0039 0.0963 0.0231 0.0440 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Materials Portfolio Fidelity Management &amp; Research Company LLC 0.0076 0.1124 0.0698 0.0759 Seeks long-term growth of capital Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Mid Cap Portfolio Fidelity Management &amp; Research Company LLC 0.0063 0.1168 0.1002 0.1050 Seeks long-term growth of capital Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Overseas Portfolio Fidelity Management &amp; Research Company LLC 0.0080 0.2032 0.0654 0.0785 Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&amp;P 500<sup style="font-size: 75%; vertical-align: top;">®</sup> Index Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Real Estate Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.0306 0.0415 0.0379 Seeks a high level of current income. The fund may also seek capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Strategic Income Portfolio Fidelity Management &amp; Research Company LLC 0.0067 0.0882 0.0302 0.0462 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Technology Portfolio Fidelity Management &amp; Research Company LLC 0.0064 0.2328 0.1675 0.2367 Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Total Market Index Portfolio Fidelity Management &amp; Research Company LLC Geode Capital Management, LLC 0.0011 0.1711 0.1314 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Utilities Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.1403 0.1243 0.1242 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Portfolio Fidelity Management &amp; Research Company LLC 0.0068 0.1116 0.1302 0.1115 Seeks capital appreciation Fidelity<sup style="font-size: 75%; vertical-align: top;">®</sup> VIP Value Strategies Portfolio Fidelity Management &amp; Research Company LLC 0.0066 0.0789 0.1206 0.1074 Seeks income Franklin U.S. Government Securities VIP Fund Franklin Advisers, Inc. 0.0079 0.0669 0.0002 0.0114 Seeks capital appreciation Invesco V.I. Global Fund Invesco Advisers, Inc. 0.0081 0.1532 0.0728 0.1100 Seeks long-term capital appreciation Lazard Retirement Emerging Markets Equity Portfolio Lazard Asset Management LLC 0.0113 0.4212 0.1104 0.0963 Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio Morgan Stanley Investment Management Inc. 0.0110 0.1533 0.0270 0.0451 Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries Morgan Stanley Emerging Markets Equity Portfolio Morgan Stanley Investment Management Inc. 0.0125 0.3296 0.0437 0.0727 Seeks total return Morgan Stanley Global Strategist Portfolio Morgan Stanley Investment Management Inc. 0.0090 0.1740 0.0531 0.0685 Seeks maximum real return, consistent with prudent investment management PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn<sup style="font-size: 75%; vertical-align: top;">®</sup> Strategy Portfolio Pacific Investment Management Company LLC 0.0319 0.1879 0.1055 0.0654 Seeks maximum total return, consistent with preservation of capital and prudent investment management PIMCO VIT Low Duration Portfolio Pacific Investment Management Company LLC 0.0066 0.0552 0.0157 0.0179 Seeks maximum real return, consistent with preservation of real capital and prudent investment management PIMCO VIT Real Return Portfolio Pacific Investment Management Company LLC 0.0139 0.0785 0.0121 0.0321 Seeks maximum total return, consistent with preservation of capital and prudent investment management PIMCO VIT Total Return Portfolio Pacific Investment Management Company LLC 0.0073 0.0889 0.0002 0.0236 Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration Templeton Global Bond VIP Fund Franklin Advisers, Inc. 0.0075 0.1573 -0.0096 -0.0015 As a percentage of the average Contract Value. You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges. This Fund’s current expenses reflect temporary fee reductions. See the Fund’s prospectus for additional information. This reflects temporary reductions to Fund expenses. As a percentage of the net assets of each Subaccount. Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit. Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”. You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges (See 8(c). Automatic Contract Charge Reduction). Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010. Prior to April 30, 2026, the fund was named Fidelity® VIP Investor Freedom Income Portfolio.