Here are some things to consider:

• Limited Access: You may have to pay a surrender charge if you need to withdraw your money early.
• Capped Returns: The amount credited to your account may be limited, even if the market does really well.

Your principal is 100% protected even if the market declines. If the index performs negatively during your term, you’ll still receive your guaranteed interest rate of 1% annually (5% over the 5 year index stategy term) . You can never lose money due to market performance.

OneUp™ works through a combination of guaranteed growth and market-linked performance:

• Principal Protection: 100% of your initial investment is protected from market downturns so long as you do not take a withdrawal
• Dual growth structure: Your money grows through both an annual guaranteed interest credit and potential index-linked interest credits based on a the S&P 500® which is applied at the end of the index strategy term
• Tax-Deferred Growth: Any interest earned is not taxed until you withdraw it, allowing your money to compound more efficiently
• Accessibility: You can withdraw up to 5% of your contract value annually without withdrawal charges, however, you may be subject to a federal tax penalty if under the age of 59 1/2

The value of your annuity will never decrease due to market performance, giving you both growth opportunity and peace of mind.

Interest is credited to your OneUp™ annuity through two distinct mechanisms:

Guaranteed interest credits:

• A fixed 1% interest rate credit is applied to your contract value annually.
• This interest rate credit occurs regardless of market performance
• Credits are applied at the end of each contract year
• This ensures a minimum 5% credit over the 5-year contract term

Index interest credits:

• Additional interest may be credited based on the performance of the S&P 500® index
• Index credits are calculated at the end of your 5 year index strategy term and are measured from the beginning of the term to the end.
• If the S&P 500® index has positive performance from the beginning to the end of the index strategy term, you receive an interest credit proportional to that growth
• If the index performance is negative, no index interest is credited, but your principal is protected from market performance

This dual crediting approach provides you with guaranteed growth while also allowing you to benefit from positive market performance.

Interest in the Index Account is based on a combination of a Guaranteed Interest Credit and a performance-based Index Interest Credit. The Guaranteed Interest Credit ensures your Index Account will grow by at least a minimum amount. It is applied at the end of each Guaranteed Interest Term and is based on the Guaranteed Interest Rate, a fixed annual percentage that is declared at the beginning of each Index Strategy Term.

The Index Interest Credit is a potential additional interest credit, calculated at the end of each Index Strategy Term as described below for the applicable index strategy. It will never be less than zero, even if the index performance is negative.

OneUp™ uses a 5-year Term Point-to-Point with Cap (at issue) and a 1-year Term Point-to-Point with Cap at the conclusion of the initial index strategy term. The cap is the upper limit to the percentage of gain in the value of the index. Cap Rates are subject to change and guaranteed not to be less than 0.25%.

• Point-to-Point Measurement: The strategy measures the change of the S&P 500® index value at the beginning of the index strategy term to its value at the end of the index strategy term the index, 5 years later.

• Participation Rate: OneUp™ offers a 100% participation rate, meaning you receive the full percentage of index growth up to the cap

• Maximum Growth Potential: This structure creates an opportunity to earn interest credits of up to 60% over the 5-year term

• Guaranteed Interest Rate Credit: Regardless of the S&P 500® performance, you'll receive a guaranteed interest credit of 1% per annum (total of 5% over the 5 year strategy term).

For example, at the end of the index strategy term

• The S&P 500® changed positively by 12% from the beginning to the end of the 5 year index strategy term, your index interest credit would be 7% plus the annual 1% guaranteed interest credit (5% over the index strategy term) for a total of 12%.

• If the S&P 500® changed positively by 65% from the beginning to the end of the 5 year index strategy term, your index interest credit would be 60%.

• If the S&P 500® changed negatively by 10% from the beginning to the end of the 5 year index strategy term, your index interest credit would be 0%, but you still receive your 1% annual guaranteed interest credit (or 5% over the 5 year index strategy term).

This crediting strategy balances upside potential with downside protection, making OneUp™ an attractive option for retirement savers seeking growth with security.