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 well known market index 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.

OneUp™ uses a point-to-point crediting strategy with a 60% cap:

• Point-to-Point Measurement: The strategy compares the S&P 500 index value at the beginning of your policy to its value at the end of the policy, 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 up to [40%] over the 5-year term
• Minimum Guarantee: Even if the S&P 500 performs poorly throughout the entire term, you'll still receive your guaranteed 5% return (1% per annum)

For example:

• If the S&P 500 increases by 12% in 5 years, your index interest credit would be 12% (full participation up to the cap)

• If the S&P 500 increases by 68% in 5 years, your index interest credit would be 60% (capped)
• If the S&P 500 decreases by 10% in 5 years, your index interest credit would be 0%, but you still receive your 5% guaranteed interest credit (guaranteed minimum)

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