Common use of CONTRACT FACTS Clause in Contracts

CONTRACT FACTS. Contract Processing Date The Contract Processing Date for your Contract is [April 1] of each year. Specially Designated Division When a distribution is made from an investment portfolio underlying a Variable Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [ING Liquid Assets Division], or its successor, unless you specify otherwise. We also reserve the right to allocate premium to this Division during any Right to Examine period shown on the first page of this Contract. Benefit Option Package Benefit Option Package [II] was selected. Optional Benefit Riders [None] Restricted Funds The designation of a Division as a Restricted Fund may be changed by us upon 30 days notice to you with regard to future transfers and premium payments into such Division in accordance with the provisions described on Pages 9 and 10 of the Contract. Restricted Funds are subject to limits as to amounts which may be invested or transferred into such Division. Restricted Funds, if any, are shown below as well as any applicable total Contract limits: [None] Restricted Fund Limits Maximum Allocation % of Maximum Accumulation Value Premium % Dollar Cap 30% 99.999% $9,999,999 We also limit amounts which may be invested or transferred into each individual Restricted Fund. The limits for investment in each Restricted Fund are expressed as a percentage of Accumulation Value, premium or maximum dollar amount in accordance with the provisions described in the section entitled “Premium Payments and Allocation Changes” on Pages 9 and 10 of the Contract. The limits for investment in an individual Restricted Fund are the same as the aggregate Restricted Fund Limits set forth above. Refer to “Premium Payments and Allocation Changes” on Pages 9 and 10 for additional provisions regarding Restricted Funds. RLNY-IA-1102 3B [This Page intentionally left blank] The Schedule Charges and Fees Annuitant [Xxxxxx X. Xxx] Owner [Xxxx X. Xxx] Initial Premium [$20,000] Annuity Option [Life 10-Year Certain] Annuity Commencement Date [January 1, 2026] Separate Account(s) Separate Account NY-B Contract Number [123456] Deductions from Premiums None Deductions from Accumulation Value Initial Administrative Charge None Administrative Charge We charge a maximum of $30 to cover a portion of our ongoing administrative expenses for each Contract Processing Period. The charge is incurred at the beginning of the Contract Processing Period and deducted on the Contract Processing Date at the end of the period. At the time of deduction, this charge will be waived if: (1) The Accumulation Value is at least $50,000; or (2) The sum of premiums paid to date is at least $50,000. Excess Allocation Charge $25. Any charge will be deducted in proportion to the amount being transferred from each Division. Premium Taxes We deduct the amount of any tax or fee imposed or levied by any state or governmental entity on the premium paid for this Contract when such taxes are incurred. We reserve the right to defer collection of premium taxes until the Contract is surrendered or until application of the Contract's Accumulation Value to an Income Plan. An Excess Partial Withdrawal will result in the deduction of any premium tax then due us on such amount. We reserve the right to change the amount we charge for premium taxes on future premium payments to conform with changes in the law or if you change your state of residence. Redemption Fees We may deduct the amount of any redemption fees imposed by a mutual fund or other investment company in which the Variable Separate Account Divisions invest as a result of any surrenders, partial withdrawals, reallocations or other transactions directed by you. RLNY-IA-1102 3C1 The Schedule Charges and Fees (continued) Annuitant [Xxxxxx X. Xxx] Owner [Xxxx X. Xxx] Initial Premium [$20,000] Annuity Option [Life 10-Year Certain] Annuity Commencement Date [January 1, 2026] Separate Account(s) Separate Account NY-B Contract Number [123456] Surrender Charge Schedule Complete Years Elapsed Surrender Charges 6% 6% 5% 4% 3% 2% 1% 0

CONTRACT FACTS. Contract Processing Date The Contract Processing Date for your Contract is [April 1] of each year. Specially Designated Division Divisions When a distribution is made from an investment portfolio underlying a Variable Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [ING Liquid Assets Asset Division], or its successor, ] unless you specify otherwise. We also reserve PARTIAL WITHDRAWALS The maximum amount that can be withdrawn each Contract Year is described below. In no event may a Partial Withdrawal exceed 90% of the right Cash Surrender Value. After a Partial Withdrawal, the remaining Accumulation Value must be at least $100 to allocate premium to this Division during any Right to Examine period shown on keep the first page of this ContractContract in force. Benefit Option Package Benefit Option Package [II] was selectedConventional Partial Withdrawals Minimum Withdrawal Amount: $100. Optional Benefit Riders [None] Restricted Funds The designation of a Division as a Restricted Fund Systematic Partial Withdrawals Systematic Partial Withdrawals may be changed by us upon 30 days notice to you with regard to future transfers and premium payments into such Division in accordance with taken on a monthly, quarterly or annual basis. You select the provisions described on Pages 9 and 10 day withdrawals will be made, but no later than the 28th day of the Contractmonth. Restricted Funds are subject to limits as to amounts which may be invested Minimum Withdrawal Amount: $100. Maximum Withdrawal Amount: Variable Separate Account Divisions: 1.25% monthly, 3.75% quarterly or transferred into such Division. Restricted Funds, if any, are shown below as well as any applicable total Contract limits: [None] Restricted Fund Limits Maximum Allocation 15% of Maximum Accumulation Value Premium % Dollar Cap 30% 99.999% $9,999,999 We also limit amounts which may be invested or transferred into each individual Restricted Fund. The limits for investment in each Restricted Fund are expressed as a percentage annually of Accumulation Value. Guaranteed Interest Divisions: Interest earned on a Guaranteed Interest Division for the prior month, premium quarter or maximum dollar amount in accordance with year (depending on the provisions described in frequency selected). [XXX Partial Withdrawals for Qualified Plans Only XXX Partial Withdrawals may be taken on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the section entitled “Premium Payments and Allocation Changes” on Pages 9 and 10 day the withdrawals will be made, but no later than the 28th day of the Contractmonth. The limits for investment in an individual Restricted Fund If you do not elect a day, the Contract Date will be used. Systematic Partial Withdrawals and Conventional Partial Withdrawals are the same as the aggregate Restricted Fund Limits set forth above. Refer to “Premium Payments and Allocation Changes” on Pages 9 and 10 for additional provisions regarding Restricted Funds. RLNYnot allowed when XXX Partial Withdrawals are being taken.] GA-IA-1102 3B IA-1059 3D1 THE SCHEDULE CONTRACT FACTS (continued) --------------------------------------------------------------------------|--------------------------------------------------------------------------| | Annuitant Owner | | [This Page intentionally left blankXXXXXX X. XXX] The Schedule Charges and Fees Annuitant [Xxxxxx XXXX X. XxxXXX] Owner [Xxxx X. Xxx] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$20,00010,000] Annuity Option [Life LIFE 10-Year CertainYEAR CERTAIN] Annuity Commencement Date [January JANUARY 1, 20262053] | |--------------------------------------------------------------------------| | Separate Account(s) Separate Account NY-B Contract Number | | [SEPARATE ACCOUNT B] [123456] Deductions from Premiums None Deductions from Accumulation Value Initial Administrative Charge None Administrative Charge We charge a maximum | |--------------------------------------------------------------------------| [Alternate schedule page 7% Enhanced Death Benefit] [DEATH BENEFIT The Death Benefit is the greatest of $30 to cover a portion of our ongoing administrative expenses for each Contract Processing Period. The charge is incurred at the beginning of the Contract Processing Period (i), (ii), (iii), and deducted on the Contract Processing Date at the end of the period. At the time of deduction(iv) below, this charge will be waived if: (1) The Accumulation Value is at least $50,000; or (2) The sum of premiums paid to date is at least $50,000. Excess Allocation Charge $25. Any charge will be deducted in proportion to the amount being transferred from each Division. Premium Taxes We deduct the amount of any tax or fee imposed or levied by any state or governmental entity on the premium paid for this Contract when such taxes are incurred. We reserve the right to defer collection of premium taxes until the Contract is surrendered or until application of the Contract's Accumulation Value to an Income Plan. An Excess Partial Withdrawal will result in the deduction of any premium tax then due us on such amount. We reserve the right to change the amount we charge for premium taxes on future premium payments to conform with changes in the law or if you change your state of residence. Redemption Fees We may deduct the amount of any redemption fees imposed by a mutual fund or other investment company in which the Variable Separate Account Divisions invest as a result of any surrenders, partial withdrawals, reallocations or other transactions directed by you. RLNY-IA-1102 3C1 The Schedule Charges and Fees (continued) Annuitant [Xxxxxx X. Xxx] Owner [Xxxx X. Xxx] Initial Premium [$20,000] Annuity Option [Life 10-Year Certain] Annuity Commencement Date [January 1, 2026] Separate Account(s) Separate Account NY-B Contract Number [123456] Surrender Charge Schedule Complete Years Elapsed Surrender Charges 6% 6% 5% 4% 3% 2% 1% 0where:

CONTRACT FACTS. Contract Processing Date The Contract Processing Date for your Contract is [April 1] of each year. Specially Designated Division Divisions When a distribution is made from an investment portfolio underlying a Variable Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [ING Liquid Assets Asset Division], or its successor, ] unless you specify otherwise. We also reserve PARTIAL WITHDRAWALS The maximum amount that can be withdrawn each Contract Year is described below. In no event may a Partial Withdrawal exceed 90% of the right Cash Surrender Value. After a Partial Withdrawal, the remaining Accumulation Value must be at least $100 to allocate premium to this Division during any Right to Examine period shown on keep the first page of this ContractContract in force. Benefit Option Package Benefit Option Package [II] was selectedConventional Partial Withdrawals Minimum Withdrawal Amount: $100. Optional Benefit Riders [None] Restricted Funds The designation of a Division as a Restricted Fund Systematic Partial Withdrawals Systematic Partial Withdrawals may be changed by us upon 30 days notice to you with regard to future transfers and premium payments into such Division in accordance with taken on a monthly, quarterly or annual basis. You select the provisions described on Pages 9 and 10 day withdrawals will be made, but no later than the 28th day of the Contractmonth. Restricted Funds are subject to limits as to amounts which may be invested Minimum Withdrawal Amount: $100. Maximum Withdrawal Amount: Variable Separate Account Divisions: 1.25% monthly, 3.75% quarterly or transferred into such Division. Restricted Funds, if any, are shown below as well as any applicable total Contract limits: [None] Restricted Fund Limits Maximum Allocation 15% of Maximum Accumulation Value Premium % Dollar Cap 30% 99.999% $9,999,999 We also limit amounts which may be invested or transferred into each individual Restricted Fund. The limits for investment in each Restricted Fund are expressed as a percentage annually of Accumulation Value. Guaranteed Interest Divisions: Interest earned on a Guaranteed Interest Division for the prior month, premium quarter or maximum dollar amount in accordance with year (depending on the provisions described in frequency selected). [XXX Partial Withdrawals for Qualified Plans Only XXX Partial Withdrawals may be taken on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the section entitled “Premium Payments and Allocation Changes” on Pages 9 and 10 day the withdrawals will be made, but no later than the 28th day of the Contractmonth. The limits for investment in an individual Restricted Fund If you do not elect a day, the Contract Date will be used. Systematic Partial Withdrawals and Conventional Partial Withdrawals are the same as the aggregate Restricted Fund Limits set forth above. Refer to “Premium Payments and Allocation Changes” on Pages 9 and 10 for additional provisions regarding Restricted Funds. RLNYnot allowed when XXX Partial Withdrawals are being taken.] GA-IA-1102 3B IA-1059 3D1 THE SCHEDULE CONTRACT FACTS (continued) --------------------------------------------------------------------------|--------------------------------------------------------------------------| | Annuitant Owner | | [This Page intentionally left blankXXXXXX X. XXX] The Schedule Charges and Fees Annuitant [Xxxxxx XXXX X. XxxXXX] Owner [Xxxx X. Xxx] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$20,00010,000] Annuity Option [Life LIFE 10-Year CertainYEAR CERTAIN] Annuity Commencement Date [January JANUARY 1, 20262053] | |--------------------------------------------------------------------------| | Separate Account(s) Separate Account NY-B Contract Number | | [SEPARATE ACCOUNT B] [123456] Deductions from Premiums None Deductions from Accumulation Value Initial Administrative Charge None Administrative Charge We charge a maximum | |--------------------------------------------------------------------------| [Alternate schedule page Ratchet Death Benefit] DEATH BENEFIT [The Death Benefit is the greatest of $30 to cover a portion of our ongoing administrative expenses for each Contract Processing Period. The charge is incurred at the beginning of the Contract Processing Period (i) , (ii) , (iii), and deducted on the Contract Processing Date at the end of the period. At the time of deduction(iv) below, this charge will be waived if: (1) The Accumulation Value is at least $50,000; or (2) The sum of premiums paid to date is at least $50,000. Excess Allocation Charge $25. Any charge will be deducted in proportion to the amount being transferred from each Division. Premium Taxes We deduct the amount of any tax or fee imposed or levied by any state or governmental entity on the premium paid for this Contract when such taxes are incurred. We reserve the right to defer collection of premium taxes until the Contract is surrendered or until application of the Contract's Accumulation Value to an Income Plan. An Excess Partial Withdrawal will result in the deduction of any premium tax then due us on such amount. We reserve the right to change the amount we charge for premium taxes on future premium payments to conform with changes in the law or if you change your state of residence. Redemption Fees We may deduct the amount of any redemption fees imposed by a mutual fund or other investment company in which the Variable Separate Account Divisions invest as a result of any surrenders, partial withdrawals, reallocations or other transactions directed by you. RLNY-IA-1102 3C1 The Schedule Charges and Fees (continued) Annuitant [Xxxxxx X. Xxx] Owner [Xxxx X. Xxx] Initial Premium [$20,000] Annuity Option [Life 10-Year Certain] Annuity Commencement Date [January 1, 2026] Separate Account(s) Separate Account NY-B Contract Number [123456] Surrender Charge Schedule Complete Years Elapsed Surrender Charges 6% 6% 5% 4% 3% 2% 1% 0where:

CONTRACT FACTS. Contract Processing Date The Contract Processing Date for your Contract is [April 1] of each year. Specially Designated Division Divisions When a distribution is made from an investment portfolio underlying a Variable Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [ING Liquid Assets Asset Division], or its successor, ] unless you specify otherwise. We also reserve PARTIAL WITHDRAWALS The maximum amount that can be withdrawn each Contract Year is described below. In no event may a Partial Withdrawal exceed 90% of the right Cash Surrender Value. After a Partial Withdrawal, the remaining Accumulation Value must be at least $100 to allocate premium to this Division during any Right to Examine period shown on keep the first page of this ContractContract in force. Benefit Option Package Benefit Option Package [II] was selectedConventional Partial Withdrawals Minimum Withdrawal Amount: $100. Optional Benefit Riders [None] Restricted Funds The designation of a Division as a Restricted Fund Systematic Partial Withdrawals Systematic Partial Withdrawals may be changed by us upon 30 days notice to you with regard to future transfers and premium payments into such Division in accordance with taken on a monthly, quarterly or annual basis. You select the provisions described on Pages 9 and 10 day withdrawals will be made, but no later than the 28th day of the Contractmonth. Restricted Funds are subject to limits as to amounts which may be invested Minimum Withdrawal Amount: $100. Maximum Withdrawal Amount: Variable Separate Account Divisions: 1.25% monthly, 3.75% quarterly or transferred into such Division. Restricted Funds, if any, are shown below as well as any applicable total Contract limits: [None] Restricted Fund Limits Maximum Allocation 15% of Maximum Accumulation Value Premium % Dollar Cap 30% 99.999% $9,999,999 We also limit amounts which may be invested or transferred into each individual Restricted Fund. The limits for investment in each Restricted Fund are expressed as a percentage annually of Accumulation Value. Guaranteed Interest Divisions: Interest earned on a Guaranteed Interest Division for the prior month, premium quarter or maximum dollar amount in accordance with year (depending on the provisions described in frequency selected). [XXX Partial Withdrawals for Qualified Plans Only XXX Partial Withdrawals may be taken on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the section entitled “Premium Payments and Allocation Changes” on Pages 9 and 10 day the withdrawals will be made, but no later than the 28th day of the Contractmonth. The limits for investment in an individual Restricted Fund If you do not elect a day, the Contract Date will be used. Systematic Partial Withdrawals and Conventional Partial Withdrawals are the same as the aggregate Restricted Fund Limits set forth above. Refer to “Premium Payments and Allocation Changes” on Pages 9 and 10 for additional provisions regarding Restricted Funds. RLNYnot allowed when XXX Partial Withdrawals are being taken.] GA-IA-1102 3B IA-1059 3D1 THE SCHEDULE CONTRACT FACTS (continued) --------------------------------------------------------------------------|--------------------------------------------------------------------------| | Annuitant Owner | | [This Page intentionally left blankXXXXXX X. XXX] The Schedule Charges and Fees Annuitant [Xxxxxx XXXX X. XxxXXX] Owner [Xxxx X. Xxx] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$20,00010,000] Annuity Option [Life LIFE 10-Year CertainYEAR CERTAIN] Annuity Commencement Date [January JANUARY 1, 2026] | |--------------------------------------------------------------------------| | Separate Account(s) Separate Account NY-B Contract Number | | [SEPARATE ACCOUNT B] [123456] Deductions from Premiums None Deductions from Accumulation Value Initial Administrative Charge None Administrative Charge We charge a maximum | |--------------------------------------------------------------------------| DEATH BENEFITS The Death Benefit is the greatest of $30 to cover a portion of our ongoing administrative expenses for each Contract Processing Period. The charge is incurred at the beginning of the Contract Processing Period (i) , (ii) ,and deducted on the Contract Processing Date at the end of the period. At the time of deduction(iii), this charge will be waived if: (1) The Accumulation Value is at least $50,000; or (2) The sum of premiums paid to date is at least $50,000. Excess Allocation Charge $25. Any charge will be deducted in proportion to the amount being transferred from each Division. Premium Taxes We deduct the amount of any tax or fee imposed or levied by any state or governmental entity on the premium paid for this Contract when such taxes are incurred. We reserve the right to defer collection of premium taxes until the Contract is surrendered or until application of the Contract's Accumulation Value to an Income Plan. An Excess Partial Withdrawal will result in the deduction of any premium tax then due us on such amount. We reserve the right to change the amount we charge for premium taxes on future premium payments to conform with changes in the law or if you change your state of residence. Redemption Fees We may deduct the amount of any redemption fees imposed by a mutual fund or other investment company in which the Variable Separate Account Divisions invest as a result of any surrendersbelow, partial withdrawals, reallocations or other transactions directed by you. RLNY-IA-1102 3C1 The Schedule Charges and Fees (continued) Annuitant [Xxxxxx X. Xxx] Owner [Xxxx X. Xxx] Initial Premium [$20,000] Annuity Option [Life 10-Year Certain] Annuity Commencement Date [January 1, 2026] Separate Account(s) Separate Account NY-B Contract Number [123456] Surrender Charge Schedule Complete Years Elapsed Surrender Charges 6% 6% 5% 4% 3% 2% 1% 0where: