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 Accounts
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 Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary to the monthly index average, up to a specified cap. The minimum cap 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%.

2-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous two-year contract anniversary to the monthly index average over a two-year period, up to a specified cap. The minimum cap is 3.0%.

Barclays Focus50 Index^TM Accounts
1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 Index^TM 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 Barclays Focus50 Index^TM from the previous two-year 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.