Fixed-Rate Account
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0%.

Index crediting strategies with no fee
S&P 500^® 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%.

S&P 500 1-Year Point-to-Point Performance Trigger
Index credits will be based on the Performance Trigger Rate if the S&P 500 Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.

S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P 500 Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

S&P MARC 5% Excess Return 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

Rate Buy-Up Index crediting strategies with annual fee
S&P 500 1-Year Point-to-Point Cap with Fee
Index credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. This crediting strategy will have a higher cap rate than the PTP Cap crediting strategy, due to the 1.50% fee charged to the Accumulation Value for this crediting strategy.

S&P 500 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.50% fee will be charged to the Accumulation Value for this crediting strategy.

Barclays Focus50 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the Barclays Focus50 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.50% fee will be charged to the Accumulation Value for this crediting strategy.

S&P MARC 5% Excess Return 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This crediting strategy will have a higher participation rate than the MARC5 point-to-point participation crediting strategy due to the 1.50% fee charged to the Accumulation Value for this crediting strategy.

Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.