Form of Specifications Page Index-Linked Interest Strategy Rider(s)

Initial
Cap
Rate*

Initial
Participation
Rate*

Initial
Spread
Rate*

Initial
Performance
Trigger
Rate*

Minimum
Cap Rate

Minimum
Participation
Rate

Maximum
Spread
Rate

Minimum
Performance
Trigger Rate

[PTP with Buffer Cap]

[PTP with Buffer Performance Trigger]

[PTP with Floor Cap]

[PTP with Buffer Cap]

[PTP with Buffer Cap]

[PTP with Multi-Index Buffer Cap]

[Annual Lock Buffer]

[...]

Cap Rate, Spread Rate, Participation Rate and Performance Trigger Rate are declared in advance of a Crediting Period (as applicable) and guaranteed for that Crediting Period. The declared Cap Rate for any Crediting Period, if applicable, will not be less than the Minimum Cap Rate for the Crediting Strategy. The declared Participation Rate for any Crediting Period, if applicable, will not be less than the Minimum Participation Rate for the Crediting Strategy. The declared Spread Rate for any Crediting Period, if applicable, will not be greater than the Maximum Spread Rate for the Crediting Strategy. The declared Performance Trigger Rate for any Crediting Period will not be less than the Minimum Performance Trigger Rate for the Crediting Strategy.

[X] Contract Years

The Initial Asset Adjustment Period begins on the rider effective date.

[After the Initial Asset Adjustment Period, the Asset Adjustment is equal to zero.]

[After the Initial Asset Adjustment Period, a new Asset Adjustment Period begins for each subsequent Crediting Period.]

[S&P 500 is the Standard & Poor’s 500 Composite Stock Price Index (which excludes dividends); its Index Value is the closing value of the S&P 500 index.]

[Gold is the gold commodity as defined by the London Bullion Market Association; its Index Value is Gold Price, defined as the USD p.m. closing price of Gold printed by the London Bullion Market Association.]

[BXIITBZ5 is the Barclays Trailblazer Sectors 5 Index; its Index Value is the closing value of the BXIITBZ5 index.]

[IVV is the iShares Core S&P 500 ETF; its Index Value is the closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.]

[EFA is the iShares MSCI EAFE ETF; its Index Value is the closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.]

[LQD is the iShares iBoxx $ Investment Grade Corporate Bond ETF; its Index Value is the closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.]

[IEF is the iShares 7-10 Year Treasury Bond ETF; its Index Value is the closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.]

[IYR is the iShares US Real Estate ETF; its Index Value is the closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.]

[IAU is the iShares Gold Trust; its Index Value is the closing price, generally the last price at which the iShares Gold Trust trades during a regular trading session on its primary exchange listing.]

[Balanced Asset 10 is the Balanced Asset 10 Index; its Index Value is the closing price of the CIBQB10E index.]

[Balanced Asset 5 is the Balanced Asset 5 Index; its Index Value is the closing price of the CIBQB05E index.]

[MSUSMSDR is the Morgan Stanley Dynamic Rotator Index; its Index Value is the closing value of the MSUSMSDR index.]

[GSGFI5E is the Goldman Sachs Global Factor Index; its Index Value is the closing value of the GSGFI5E index.]

[BOFAMPGR, BOFAMPBA, BOFAMPDE Indices; the Index Values are the closing value of each index. Indices are used in conjunction with a multi-index strategy.]

[MXEA is the MSCI EAFE Index; its Index Value is the closing value of the MXEA index.

[RTY is the Russell 2000 Index; its Index Value is the closing value of the RTY index.]

[NDX is the Nasdaq-100 Index; its Index Value is the closing value of the NDX index.]