Fidelity & Guaranty Life Insurance Company Free Withdrawal Specifications for Annuity Contract

This document outlines the free withdrawal terms for an annuity contract issued by Fidelity & Guaranty Life Insurance Company. It specifies the percentage of funds that can be withdrawn each contract year without penalty, starting with 5% of the premium in the first year, increasing to 10% in subsequent years, and allowing full withdrawal (100% of account value) from the tenth year onward. The basis for the withdrawal amount changes from premium to account value as the contract progresses. These terms define how and when the contract holder can access their funds without incurring charges.