Common use of Fixed Account Value Clause in Contracts

Fixed Account Value. The Fixed Account Value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s); (2) plus interest credited daily at a rate not less than the FAMIR per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s). The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value is equal to the sum of the Index Account Option values. On the first day of the Index Account Option Term, the Index Account Option value is equal to the Index Option Crediting Base ("IOCB"). During the Index Account Option Term, the Index Account Option value is equal to the Interim Value. The Interim Value is equal to the sum of the Fixed Income Asset Proxy and the Derivative Asset Proxy. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB at the beginning of the Index Account Option Term, reduced for any Performance Locks or withdrawals deducted from the Index Account Option during the current Index Account Option Term in the same proportion that the Index Account Option value was reduced on the date of the Performance Lock or withdrawal, or zero.

Fixed Account Value. The Fixed Account Value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s); (2) plus interest credited daily at a rate not less than the FAMIR per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s), (5) less any applicable charges for add-on benefits. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change at the sole discretion of the Company on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value is equal to the sum of the Index Account Option values. On the first day of the Index Account Option Term, the Index Account Option value is equal to the Index Option Crediting Base ("IOCB"). During the Index Account Option Term, the Index Account Option value is equal to the Interim Value. The Interim Value is equal to the sum of the Fixed Income Asset Proxy and the Derivative Asset Proxy. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB at the beginning of the Index Account Option Term, reduced for any Performance Locks Locks, withdrawals or withdrawals applicable add-on benefit charges deducted from the Index Account Option during the current Index Account Option Term in the same proportion that the Index Account Option value was reduced on the date of the Performance Lock Lock, withdrawal or withdrawalapplicable add-on benefit charges, or zero.

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred from the Index Account into the Fixed Account Option(s)Account, adjusted for any applicable MVA; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal less the amount transferred out of the Index Account Option. Transfers out of the Index Account Option to the Index Option Crediting Base ("IOCB")Fixed Account will be adjusted for any applicable MVA. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any MVA, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any MVA, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages.

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s)Account; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal to less the amount transferred out of the Index Option Crediting Base ("IOCB")Account Option. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any Withdrawal Charges, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any Withdrawal Charges, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages.

Fixed Account Value. The Fixed Account Value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s); (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s). The Fixed Account Value will never be less than the FAMV. RILA290 14 CONTRACT OPTION PROVISIONS (CONT'D) INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Termterm, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change at the sole discretion of the Company on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal to less the amount transferred out of the Index Option Crediting Base ("IOCB")Account Option. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The Interim Value is equal to the sum greater of the Fixed Income Asset Proxy Index Account Option value at the beginning of the term reduced for any Intra-Term Performance Locks and withdrawals from the Derivative Asset ProxyIndex Account Option during the Index Account Option term, including any Withdrawal Charges, in the same proportion as the Interim Value was reduced on the date of the Intra-Term Performance Lock or withdrawal, plus the Index Adjustment subject to prorated Index Adjustment Factor(s), where applicable, or zero. Additional detail on Index Adjustment Factor(s) can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Intra-Term Performance Locks or Lock and withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any Withdrawal Charges, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Intra-Term Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factor(s), or zero. Additional detail on Index Adjustment Factor(s) can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. TRANSFERS. Transfers may only occur on the Contract Anniversary, when transferring out of the Fixed Account Option(s), and on the Index Account Option Term Anniversary when transferring out of an Index Account Option. You will be sent a notice thirty (30) days prior to the Contract Anniversary and/or Index Account Option Term Anniversary. The notice will advise You of how You may obtain information on the Contract Options and current rates available to You. You may request a transfer to or from the 1-Year Fixed Account Option and to or from the Index Account Option(s). You may also request transfers among the available Index Account Options within the Index Account. A request for a transfer must be received in Good Order at the Company's Customer Care Center prior to the Contract Anniversary or Index Account Option Term Anniversary, as applicable. If no transfer request is received on or prior to the Contract Anniversary, the 1-Year Fixed Account Option value will remain in the 1-Year Fixed Account Option.

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred from the Index Account into the Fixed Account Option(s)Account, adjusted for any applicable MVA; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal less the amount transferred out of the Index Account Option. Transfers out of the Index Account Option to the Index Option Crediting Base ("IOCB")Fixed Account will be adjusted for any applicable MVA. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any MVA, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any MVA, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero.. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. RILA287 13

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred from the Index Account into the Fixed Account Option(s)Account, adjusted for any applicable MVA; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal less the amount transferred out of the Index Account Option. Transfers out of the Index Account Option to the Index Option Crediting Base ("IOCB")Fixed Account will be adjusted for any applicable MVA. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any MVA, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any MVA, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero.. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. RILA285 13

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s)Account; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal to less the amount transferred out of the Index Option Crediting Base ("IOCB")Account Option. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any Withdrawal Charges, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any Withdrawal Charges, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero.. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. RILA280 13

Fixed Account Value. The Fixed Account Value value is equal to (1) the value of Premium and any amounts transferred into the Fixed Account Option(s)Account; (2) plus interest credited daily at a rate not less than the FAMIR FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts transferred out of the Fixed Account Option(s)Account. The Fixed Account Value will never be less than the FAMV. INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract Value, defined by its Index Adjustment Factors, Index Account Option Term Anniversary, Premium Allocation Date, Index Account Option Term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability of terms, Indexes, and Crediting Methods are subject to change on a non-discriminatory basis, as described in this Contract, the Contract Data Pages, the Crediting Method endorsements and the Supplemental Contract Data Pages. Index Account Value. The Index Account Value value is equal to the sum of the Index Account Option values. On The Index Account Option value at the first day beginning of the Index Account Option Term, term is equal to the amount allocated or transferred to the Index Account Option value is equal to less the amount transferred out of the Index Option Crediting Base ("IOCB")Account Option. During the Index Account Option Termterm, the Index Account Option value is equal to the Interim Value. The , which is the greater of the Index Account Option value at the beginning of the term reduced for any partial withdrawals from the Index Account Option during the Index Account Option term, including any Withdrawal Charges, in the same proportion as the Interim Value is equal to was reduced on the sum date of the Fixed Income Asset Proxy withdrawal, plus the prorated Index Adjustment subject to prorated Index Adjustment Factors and the Derivative Asset ProxyIVPF, or zero. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. On the Index Account Option Term Anniversary, the Index Account Option value is equal to the greater of the IOCB plus the Index Adjustment, or zero. Index Option Crediting Base. The IOCB is a component used in calculating the Index Account Option value. On the first day of the Index Account Option Term, the IOCB is equal to the Premium or Contract Value allocated or transferred to the Index Account Option less the amount transferred out of the Index Account Option. During or at the end of the Index Account Option Term, the IOCB is equal to the greater of the IOCB value at the beginning of the Index Account Option Termterm, reduced for any Performance Locks or partial withdrawals deducted from the Index Account Option during the current Index Account Option Term term, including any Withdrawal Charges, in the same proportion that as the Index Account Option value Interim Value was reduced on the date of the Performance Lock or withdrawal, plus the Index Adjustment subject to Index Adjustment Factors, or zero.. Additional detail on Index Adjustment Factors can be found in the Crediting Method endorsements and Supplemental Contract Data Pages. RILA282 13