Common use of Regular Clause in Contracts

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in XXX Program Total Accumulation of XXX Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 5 Years $ $ End of the Year You Reach Age Total Accumulation of XXX Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your XXX. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your XXX. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your XXX will be dependent solely upon the performance of any investment instrument used to fund your XXX. Therefore, no projection of the growth of your XXX can reasonably be shown or guaranteed. Terms and conditions of the XXX that affect your investment are listed below.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time one‐time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in XXX IRA Program Total Accumulation of XXX IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 4 Years $ $ 5 Years $ $ End of the Year You Reach Age Total Accumulation of XXX IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your XXXIRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your XXX. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your XXX IRA will be dependent solely upon the performance of any investment instrument used to fund your XXXIRA. Therefore, no projection of the growth of your XXX IRA can reasonably be shown or guaranteed. Terms and conditions of the XXX IRA that affect your investment are listed below.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time one‐time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in XXX IRA Program Total Accumulation of XXX IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 4 Years $ $ 5 Years $ $ End of the Total Amount Year You Accumulation After Fees Reach Age Total Accumulation of XXX IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your XXXIRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your XXX. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your XXX IRA will be dependent solely upon the performance of any investment instrument used to fund your XXXIRA. Therefore, no projection of the growth of your XXX IRA can reasonably be shown or guaranteed. Terms and conditions of the XXX IRA that affect your investment are listed below.