Common use of Amount Received Clause in Contracts

Amount Received. For partial withdrawals, you will receive, reduced by any required withholding tax, the amount you specify, subject to the value in your account. However, the amount actually withdrawn from your account will be adjusted by any applicable early withdrawal charge and redemption fees. Early Withdrawal Charge Withdrawals may be subject to an early withdrawal charge and may also be subject to redemption fees. See “CHARGES AND FEES” in the full Contract Prospectus for additional information. Reduction of Remaining Payments Any withdrawal will result in a proportionate reduction of any remaining guaranteed payments and any applicable guaranteed minimum payment amount. Additionally, the withdrawal amount will be taken from the Subaccounts proportionately, unless you designate otherwise. For lifetime Income Payment options, any payments to be made beyond the guaranteed payment period will be unaffected by any withdrawals. The Tax Code and/or your plan may impose other limitations on withdrawals. See “FEDERAL TAX CONSIDERATIONS – Distributions – Eligibility” in the full Contract Prospectus. ADDITIONAL INFORMATION ABOUT FEES Transaction Expenses Maximum Early Withdrawal Charge4 (as a percentage of amount withdrawn, if applicable) 7.00% Premium Tax5 0.00% to 3.50% 4 This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the “CHARGES AND FEES” section in the full Contract Prospectus. In the case of a partial withdrawal, the amount withdrawn from your account will be the amount you specified plus adjustment for any applicable early withdrawal charge. See “CHARGES AND FEES” in the full Contract Prospectus for additional information. 5 We reserve the right to deduct a charge for premium taxes from your Purchase Payment on the Contract effective date. See “CHARGES AND FEES ‒ Premium and Other Taxes” in the full Contract Prospectus for additional information. Annual Contract Expenses Base Contract Expenses 6 (as a percentage of average Account Value) 2.75%7 For Contract Without the Five-Year Guaranteed Minimum Income Feature 0.95%8 Annual Fund Expenses Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2024). 0.47% 1.39% Examples 6 The mortality and expense risk charge, included in the base contract expenses, compensates us for the mortality and expense risks we assume under the Contract. We currently do not impose an administrative expense charge; however, we reserve the right to impose this charge for new contracts and to deduct a daily charge from the Subaccounts equivalent to not more than 0.25% annually. See “CHARGES AND FEES - Periodic Fees and Charges - Mortality and Expense Risk Charge” in the full Contract Prospectus for additional information.

Amount Received. For partial withdrawals, you will receive, reduced by any required withholding tax, the amount you specify, subject to the value in your account. However, the amount actually withdrawn from your account will be adjusted by any applicable early withdrawal charge and redemption fees. Early Withdrawal Charge Withdrawals may be subject to an early withdrawal charge and may also be subject to redemption fees. See “CHARGES AND FEES” in the full Contract Prospectus for additional information. Reduction of Remaining Payments Any withdrawal will result in a proportionate reduction of any remaining guaranteed payments and any applicable guaranteed minimum payment amount. Additionally, the withdrawal amount will be taken from the Subaccounts proportionately, unless you designate otherwise. For lifetime Income Payment options, any payments to be made beyond the guaranteed payment period will be unaffected by any withdrawals. The Tax Code and/or your plan may impose other limitations on withdrawals. See “FEDERAL TAX CONSIDERATIONS – Distributions – Eligibility” in the full Contract Prospectus. ADDITIONAL INFORMATION ABOUT FEES Transaction Expenses Maximum Early Withdrawal Charge4 (as a percentage of amount withdrawn, if applicable) 7.00% Premium Tax5 0.00% to 3.50% 4 This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the “CHARGES AND FEES” section in the full Contract Prospectus. In the case of a partial withdrawal, the amount withdrawn from your account will be the amount you specified plus adjustment for any applicable early withdrawal charge. See “CHARGES AND FEES” in the full Contract Prospectus for additional information. 5 We reserve the right to deduct a charge for premium taxes from your Purchase Payment on the Contract effective date. See “CHARGES AND FEES ‒ Premium and Other Taxes” in the full Contract Prospectus for additional information. Annual Contract Expenses Base Contract Expenses 6 (as a percentage of average Account Value) 2.75%7 For Contract Without the Five-Year Guaranteed Minimum Income Feature 0.95%8 Annual Fund Expenses Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 20242022). 0.470.36% 1.391.24% Examples 6 The mortality and expense risk charge, included in the base contract expenses, compensates us for the mortality and expense risks we assume under the Contract. We currently do not impose an administrative expense charge; however, we reserve the right to impose this charge for new contracts and to deduct a daily charge from the Subaccounts equivalent to not more than 0.25% annually. See “CHARGES AND FEES - Periodic Fees and Charges - Mortality and Expense Risk Charge” in the full Contract Prospectus for additional information.