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%.

S&P 500^® Index crediting strategies
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%.

1-Year Point-to-Point Cap with Buy-Up
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 account offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.

1-Year Point-to-Point Participation with Buy-Up
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%. This account offers a higher participation rate in exchange for a 1.00% annual fee.

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%.

1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500 Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

1-Year Monthly Cap
Index credits are based on the cumulative sum of capped monthly changes in the S&P 500 Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.

S&P 500 Dynamic Intraday TCA Index crediting strategy
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%.

2-Year Point-to-Point Participation
Index credits are based on the percentage change in the Dynamic Intraday Index from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

S&P MARC 5% Excess Return Index Crediting Strategy
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%.

Barclays Focus50 Index^TM Crediting Strategy
1-Year Point-to-Point Participation
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%.

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.