Common use of LIMITS ON CONTRIBUTIONS Clause in Contracts

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. 2021INHNQ-IR 4 No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 3.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. Parts VII.A and VII.B. 2021INHNQ-IR 4 IE-Z No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract:

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 3.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. Parts VII.A and VII.B. 2021INHNQ-IR IE 4 No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract:

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, Holder you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 3.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. 2021INHNQ-IR 4 Parts VII.A and VII.B. No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract:

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 3.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. Parts VII.A and VII.B. 2021INHNQ-IR 4 IE No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract:

LIMITS ON CONTRIBUTIONS. The following is added at the end of the existing Section: No Contributions will be accepted unless they are in United States currency. We reserve the right not to accept funds by electronic means unless they meet our specifications. We indicate in the Data Pages and in this Section any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Section or the Data Pages, we accept only one Contribution to this Inherited NQ Contract. We will accept a single Contribution of a Section 1035 exchange of your interest as a beneficiary under the Deceased Holder’s Source Contract or any Interim Source Contract. See the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” If you are a beneficiary under more than one Source Contract of the same Deceased Holder, you may make more than one exchange of your entire interest as a beneficiary from such Source Contract to this Inherited NQ Contract, and we will treat such multiple exchanges as one Contribution, provided that all of the Source Contracts and all of the exchange transactions meet the requirements of the Section, “Conditions Applicable to the Source Contract and the Exchange Transaction.” In the case of an Inbound Exchange Where Payments Have Started, the single Contribution is of the remaining interest under the Source Contract whether exchanged directly from the Source Contract or indirectly from an Interim Source Contract. We must receive the Contribution and information we require from the insurance company which issued the Deceased Holder’s Source Contract in sufficient time for us to begin making payments of the Annuity Benefit Under this Endorsement by the Required Payment Starting Date (see Section 4.03 3.03 below). See “Annuity Benefit Under This Endorsement” in Part [VIII.A]. Parts VII.A and VII.B. 2021INHNQ-IR IE-Z 4 No Contributions will be accepted after payments of the Annuity Benefit Under this Endorsement have begun. The following new Section is added at the end of this Part: SECTION [4.03] CONDITIONS APPLICABLE TO THE SOURCE CONTRACT AND THE EXCHANGE TRANSACTION Part I – Conditions applicable to the Source Contract and Exchange Transaction where Payments have not Started under the Deceased Holder’s Source Contract: