Common use of ACCOUNT VALUE PROVISIONS Clause in Contracts

ACCOUNT VALUE PROVISIONS. The Account Value is the total value of the Shield Option(s) and any other Allocation Option(s) during the Accumulation Period. We will deduct Withdrawal Charges and any other charges and fees from your Account Value as described on the Contract Schedule or any applicable riders or endorsements. SHIELD OPTION PROVISIONS On the Issue Date, you may allocate your Purchase Payment to one or more of the available Allocation Options. After the Issue Date, you may transfer your Account Value to one or more of the available Allocation Options, subject to the renewal and transfer requirements of the option(s). 5-213-1 (07/24) 7 Shield Option(s) Shield Options are index-linked Allocation Options offered under this Contract. All Shield Options available on the Issue Date are included by rider. The value of each Shield Option is as follows: ● On the Term Start Date, equals the Investment Amount. ● On the Term End Date, equals the Investment Amount adjusted by the Performance Rate. ● On any other day in the Term, the Interim Value is calculated in accordance with the applicable Shield Option rider. Investment Amount The Investment Amount for each Shield Option is the amount that is allocated to the Shield Option on the Term Start Date. The Performance Rate is applied to the Investment Amount on the Term End Date. The Investment Amount will be reduced for any withdrawal by the same percentage that the withdrawal reduces the Interim Value attributable to that Shield Option.

ACCOUNT VALUE PROVISIONS. The Account Value is the total value of the Shield Option(s) and any other Allocation Option(s) during the Accumulation Period. We will deduct Withdrawal Charges and any other charges and fees from your Account Value as described on the Contract Schedule or any applicable riders or endorsements. SHIELD OPTION PROVISIONS On the Issue Date, you may allocate your Purchase Payment to one or more of the available Allocation Options. After the Issue Date, you may transfer your Account Value to one or more of the available Allocation Options, subject to the renewal and transfer requirements of the option(s). 5-213-1 (07/24) 7 Shield Option(s) Shield Options are index-linked Allocation Options offered under this Contract. All Shield Options available on the Issue Date are included by rider. The value of each Shield Option is as follows: ● • On the Term Start Date, equals the Investment Amount. ● • On the Term End Date, equals the Investment Amount adjusted by the Performance Rate. ● • On any other day in the Term, the Interim Value is calculated in accordance with the applicable Shield Option rider. Investment Amount The Investment Amount for each Shield Option is the amount that is allocated to the Shield Option on the Term Start Date. The Performance Rate is applied to the Investment Amount on the Term End Date. The Investment Amount will be reduced for any withdrawal by the same percentage that the withdrawal reduces the Interim Value attributable to that Shield Option.

ACCOUNT VALUE PROVISIONS. The Account Value is the total value of the Shield Option(s) and any other Allocation Option(s) during the Accumulation Period. We will deduct Withdrawal Charges and any other charges and fees from your Account Value as described on the Contract Schedule or any applicable riders or endorsements. SHIELD OPTION PROVISIONS On the Issue Date, you may allocate your Purchase Payment to one or more of the available Allocation Options. After the Issue Date, you may transfer your Account Value to one or more of the available Allocation Options, subject to the renewal and transfer requirements of the option(s). 5-213-1 (07/24) 7 8 Shield Option(s) Shield Options are index-linked Allocation Options offered under this Contract. All Shield Options available on the Issue Date are included by rider. The value of each Shield Option is as follows: ● • On the Term Start Date, equals the Investment Amount. ● • On the Term End Date, equals the Investment Amount adjusted by the Performance Rate. ● • On any other day in the Term, the Interim Value is calculated in accordance with the applicable Shield Option rider. Investment Amount The Investment Amount for each Shield Option is the amount that is allocated to the Shield Option on the Term Start Date. The Performance Rate is applied to the Investment Amount on the Term End Date. The Investment Amount will be reduced for any withdrawal by the same percentage that the withdrawal reduces the Interim Value attributable to that Shield Option.