Athene Annuity & Life Assurance Company of New York RIA II (05/25) NF RIA II (05/25) NF NY Individual Single Purchase Payment Index-Linked Deferred Separate Account Annuity Contract • Periodic income commencing on Annuity Date. • The values of this...

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF RIA II (05/25) NF NY Individual Single Purchase Payment Index-Linked Deferred Separate Account Annuity Contract • Periodic income commencing on Annuity Date. • The values of this contract may be affected by an external index; however, this contract does not directly participate in any stock or equity investments. • Option to change Annuity Date. • Non-Participating. • After the Withdrawal Charge Period, the Minimum Guaranteed Interest Rate for Fixed Segment Options is subject to redetermination on each Fixed Segment Start Date. • At least one Fixed Segment Option and one Buffer Segment Option will always be available. ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York will make the payments and provide the benefits described in this contract in consideration for the payment by the Owner of the Purchase Payment when due. The Company will pay the Death Benefit to the Beneficiary as provided in this contract if: (1) any Owner dies prior to the Annuity Date, or (2) any Owner is a non-natural person and any Annuitant dies prior to the Annuity Date. This is a legal contract between the Owner and ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York (the “Company”). Contractual benefits and values for Index-Linked Segment Options are variable, may increase or decrease, and are not guaranteed as to a fixed dollar amount. THE INDEX RETURN FOR INDEX-LINKED SEGMENT OPTIONS MAY BE POSITIVE, NEGATIVE OR ZERO AND INVESTMENT IN THIS CONTRACT MAY RESULT IN A LOSS OF PRINCIPAL. IN SOME INSTANCES, THE POTENTIAL INVESTMENT LOSS FOR THIS PRODUCT MAY BE SIGNIFICANTLY GREATER THAN THE POTENTIAL INVESTMENT GAIN. Please read your contract carefully. It includes the provisions both on the pages within and on any riders or endorsements which are attached. If you (the Owner) are not satisfied with your contract, you may return it to the Company or to the financial professional from whom your contract was purchased within 20 days following its receipt, or 60 days in replacement situations, and the Contract Value plus the sum of all fees, taxes, and charges will be refunded, and your contract will be cancelled. This is referred to as the “Right to Cancel Period”. The Contract Value will be calculated as of the date the contract is actually mailed or actually delivered. ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ President Secretary Administrative Office: Home Office: Mail Processing Center ▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇ P.O. Box 1555 P.O. Box 1690 Des Moines, IA 50306-▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ 888-266-8489 ▇▇▇-▇▇▇-▇▇▇▇ /s/ ▇▇▇▇ ▇▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page i RIA II (05/25) NF NY Table of Contents Contract Schedule ............................................................................................................................ 1 Annuity Tables .................................................................................................................................. 2 1. Definitions ..................................................................................................................................... 4 Administrative Office ................................................................................................................ 4 ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇ Annuitant ......................................................................................................... 4 Annuity Date ............................................................................................................................. 4 Beneficiary ............................................................................................................................... 4 Business Day ........................................................................................................................... 4 Company .................................................................................................................................. 4 Contract Anniversary ................................................................................................................ 4 Contract Date ........................................................................................................................... 4 Contract Year ........................................................................................................................... 4 Holding Account ....................................................................................................................... 4 Index or Indices ........................................................................................................................ 5 Index-Linked Segment Option .................................................................................................. 5 Owner, Joint Owners ................................................................................................................ 5 Segment Allocation Percentage ............................................................................................... 5 Segment Anniversary ............................................................................................................... 5 Segment Options ..................................................................................................................... 5 Segment End Date ................................................................................................................... 5 Segment Start Date .................................................................................................................. 5 Segment Term Period ............................................................................................................... 5 Segment Year ........................................................................................................................... 5 Separate Account ..................................................................................................................... 6 Strategy Endorsements ............................................................................................................ 6 Withdrawal ............................................................................................................................... 6 2. General Provisions ....................................................................................................................... 6 Annuity Payments .................................................................................................................... 6 Assignment .............................................................................................................................. 6 Change of Annuitant ................................................................................................................. 7 Change of Beneficiary .............................................................................................................. 7 Contract .................................................................................................................................... 7 Conformity with Applicable Laws .............................................................................................. 7 Incontestability ......................................................................................................................... 7

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page ii RIA II (05/25) NF NY Misstatement of Age or Gender ................................................................................................ 7 Ownership ................................................................................................................................ 7 Notices ..................................................................................................................................... 8 Statements ............................................................................................................................... 8 3. Purchase Payment and Contract Value ........................................................................................ 8 Purchase Payment ................................................................................................................... 8 Contract Value .......................................................................................................................... 8 Segment Value ......................................................................................................................... 8 Segment Credits ...................................................................................................................... 8 Segment Allocation................................................................................................................... 8 Segment Value Transfers ......................................................................................................... 8 4. Interim Value ................................................................................................................................. 9 Interim Value ............................................................................................................................ 9 Segment Interim Value ............................................................................................................. 9 Interest Adjustment................................................................................................................... 9 Interest Adjustment Factor ....................................................................................................... 9 Equity Adjustment .................................................................................................................. 10 Equity Adjustment Factor ....................................................................................................... 10 5. Cash Surrender Value and Withdrawals ..................................................................................... 10 Cash Surrender Value ............................................................................................................ 10 Withdrawal Charge ................................................................................................................. 11 Withdrawals, Free Withdrawals .............................................................................................. 11 Required Minimum Distribution Withdrawals .......................................................................... 12 6. Death Provisions ........................................................................................................................ 12 Death Benefit ......................................................................................................................... 12 Beneficiary ............................................................................................................................. 12 Death of an Annuitant prior to the Annuity Date ..................................................................... 13 Death of an Owner prior to the Annuity Date .......................................................................... 13 Death on or after the Annuity Date ......................................................................................... 13 7. Settlement Options ..................................................................................................................... 13 Election of Option ................................................................................................................... 13 Betterment of Rates ............................................................................................................... 14 Settlement Options ................................................................................................................. 14 Option 1: Life Annuity ......................................................................................................... 14 Option 2: Life Annuity with Guaranteed Period .................................................................. 14

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page iii RIA II (05/25) NF NY Option 3: Installment Refund Life Annuity .......................................................................... 14 Option 4: Joint and Last Survivor Annuity .......................................................................... 14 Option 5: Fixed Period Annuity ........................................................................................... 14 8. Termination ................................................................................................................................. 15 For information, or to make a complaint regarding your contract, call: [▇▇▇-▇▇▇-▇▇▇▇]

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 4 RIA II (05/25) NF NY 1. Definitions In addition to the terms defined throughout this contract, the following terms have the respective meanings described in this section: Administrative Office Our Administrative Office is shown on the front of this contract. We may change our Administrative Office by notifying you in writing. Annuitant, Joint Annuitant The Annuitant is the natural person named on the Contract Schedule. The Annuitant is the person whose life determines the annuity payments made under your contract. You may name two natural persons on the application to be Joint Annuitants. Annuity Date The Annuity Date is the date on which annuity payments will begin. The Maximum Annuity Date is the date shown on the Contract Schedule and is the Contract Anniversary on or first following the later of the Annuitant's age 95 and the 10th Contract Anniversary, unless modified by any rider or endorsement. In the case of Joint Annuitants, the Maximum Annuity Date will be based on the age of the older Joint Annuitant. You may select an earlier Annuity Date, which may be any time after the Contract Date, by notice provided to us. The revised Annuity Date must be at least 10 days after we receive your notice. Beneficiary The Beneficiary is one or more persons or entities named by the Owner to receive the Death Benefit. Business Day Business Day means any day of the week except for Saturday, Sunday and U.S. federal holidays where U.S. stock exchanges are closed. Company Company and “we,” “us,” and “our” refer to ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York. Contract Anniversary A Contract Anniversary is any 12-month anniversary of the Contract Date. For example, if the Contract Date is January 17, 2025, then the first Contract Anniversary is January 17, 2026. Contract Date The Contract Date is the date your contract is issued as shown on the Contract Schedule. Contract Year A Contract Year is the 12-month period that begins on the Contract Date and each Contract Anniversary. For example, if the Contract Date is January 17, 2025, then the first Contract Year is the 12-month period that includes January 17, 2025, through January 16, 2026. Holding Account The Holding Account is an account that holds the Purchase Payment until it is allocated to the applicable Segment Options according to the Segment Allocation Percentages selected by the Owner. Interest is credited daily to the Holding Account in accordance with the Holding Account Fixed Interest Rate. The Holding Account Fixed Interest Rate is an annual rate that is shown on the Segment Contract Schedule and is guaranteed not to change.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 5 RIA II (05/25) NF NY Index or Indices Index or Indices means the index or indices shown on the Segment Contract Schedule, which are used in the calculation of the Segment Credits for an Index-Linked Segment Option. Index-Linked Segment Option Index-Linked Segment Option means any Segment Option that calculates Segment Credits based on one or more underlying Indices (as opposed to a predetermined interest rate as with Fixed Segment Options). Owner, Joint Owners Owner means one or more persons or entities named as owner in the application or their successor. If no owner is named on the application, the Annuitant will be the Owner. If Joint Owners are named, all references to Owner shall mean the Joint Owners. Joint Owners must be spouses. References to “you” and “your” refer to the Owner. Segment Allocation Percentage A Segment Allocation Percentage is the percentage of the Purchase Payment applied to each Segment Option as elected by you. Segment Anniversary A Segment Anniversary is any 12-month anniversary of the Initial Segment Start Date (shown in the Segment Contract Schedule). For example, if the Initial Segment Start Date is January 22, 2025, then the first Segment Anniversary is January 22, 2026. Segment Options A Segment Option is a method for crediting funds to your contract. It includes a Segment Term Period and an Index, if applicable. There may be several Segments Options available within any Strategy Endorsement. The Segment Options available on the Initial Segment Start Date are shown on the Segment Contract Schedule. You may transfer funds across available Segment Options in accordance with the Segment Value Transfers provision of this contract. Segment End Date A Segment End Date is the last day of a Segment Term Period. The Segment Credit for Index-Linked Segment Options is calculated on the Segment End Date. The Segment End Date coincides with the next Segment Start Date. Segment Start Date The Segment Start Date is the first date of the Segment Term Period. The day and month on which any Segment Start Date falls will always be the same day and month as the Initial Segment Start Date shown in the Segment Contract Schedule. Segment Term Period The Segment Term Period for each Segment Option is shown on the Segment Contract Schedule. The Segment Term Period ends on the Segment End Date. Unless otherwise stated in a Strategy Endorsement, upon expiration of each Segment Term Period a new Segment Term Period will begin. Segment Year A Segment Year is the 12-month period that begins on the Initial Segment Start Date (shown on the Segment Contract Schedule) and each Segment Anniversary. For example, if the Initial Segment Start Date is January 22, 2025, then the first Segment Year is the 12-month period that includes January 22, 2025, through January 21, 2026.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 6 RIA II (05/25) NF NY Separate Account The Separate Account is the non-unitized separate account, established by the Company under New York law, in which we hold reserves for the Index-Linked Segment Options under the contract. We will maintain assets in the Separate Account with an aggregate value at least equal to the reserves and other contract liabilities of the Separate Account. You do not participate in the performance of assets held in the Separate Account and do not have any direct claim on them. The obligations under this contract are independent of the investment performance of the Separate Account and are obligations of the Company. The Separate Account is not registered under the Investment Company Act of 1940. Strategy Endorsements Strategy Endorsements are separate documents that include additional terms of your contract and are attached to and made part of this contract. Withdrawal Unless otherwise specified, a Withdrawal is the removal of funds from your contract, including a partial withdrawal, a surrender of your contract, payment of a Death Benefit, or the application of the Interim Value to a Settlement Option. A Withdrawal amount is the amount of Contract Value withdrawn for such benefits, before the application of Withdrawal Charges, Interest Adjustments, and Equity Adjustments, if applicable. 2. General Provisions Annuity Payments Unless the Death Benefit is owed or you have surrendered your contract for the Cash Surrender Value, annuity payments will commence on the Annuity Date. Annuity payments will be paid to you or a payee you designate in accordance with the terms and conditions of the Settlement Option elected by the Owner, or if no Settlement Option is elected, in accordance with the terms and conditions of this Annuity Payments provision. To receive annuity payments, an Annuitant must be living on the Annuity Date and on the date that each following payment is due, if applicable. The “Settlement Options” are the methods of distribution described in the Settlement Options section of your contract. We may require proof of the correct age and gender of an Annuitant before making annuity payments. An election of a Settlement Option must be made in writing by the Owner before the Annuity Date and is irrevocable as of the Annuity Date. If a Settlement Option has not been elected prior to the Annuity Date, one of the following two payment provisions will apply: • If there is one living Annuitant on the Annuity Date, the Interim Value will be applied to provide annuity payments for the longer of the lifetime of the Annuitant and five years; or • If there are two living Joint Annuitants on the Annuity Date, the Interim Value will be applied to provide annuity payments in the same monthly amount for the longer of the lifetimes of both Joint Annuitants and five years. Assignment Unless otherwise restricted for tax-qualification purposes, you may request to assign or transfer your rights under this contract by notifying us. If your contract is assigned, the assignment will take effect on the date the notice was signed, subject to any action taken by us before receipt of the notice. In addition, we assume no responsibility for the validity of an assignment and shall not be liable for any tax consequences you may incur due to the assignment of your contract.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 7 RIA II (05/25) NF NY Change of Annuitant Before the Annuity Date, you may change the Annuitant by notifying us. A change will take effect as of the date you signed the notice. The Annuitant may not be changed if this contract is owned by a non-natural person, unless the contract is being continued by a surviving spouse as sole Beneficiary in which case the surviving spouse Beneficiary will become the Annuitant. The Annuitant cannot be changed on or after the Annuity Date. Change of Beneficiary Before the date the Death Benefit becomes payable, you may change a Beneficiary by notifying us. You may name one or more contingent Beneficiaries. The interest of any named irrevocable Beneficiary cannot be changed without the written consent of that Beneficiary. A change will take effect as of the date you signed the notice. Any change is subject to payment or other action taken by us before we received the notice. Contract This contract, including the Contract Schedule, the Segment Contract Schedule, the attached application, if any, and any attached endorsements, riders or amendments constitute the entire contract. No one except the President or Secretary of the Company may change or waive any of the terms of this contract. Any change must be in writing and signed by the President or the Secretary of the Company. The Company may not change the terms and conditions of the contract except where the change or amendment is required to conform to applicable New York or federal law. Any such change cannot be effective without prior approval of the New York Department of Financial Services. Prior written consent of the Owner is required if any such change diminishes the rights and/or benefits under this contract in any manner. Conformity with Applicable Laws The benefits and Cash Surrender Value available under your contract are not less than the minimum benefits required by New York law. If any provision of your contract is determined not to provide the minimum benefits, that provision will be deemed to be amended to conform or comply with New York law. Notwithstanding any provision in your contract to the contrary, all distributions under your contract must be made in accordance with the applicable requirements of section 72(s) of the Internal Revenue Code, as amended, or section 401(a)(9), as amended, as applicable, and all terms of your contract will be interpreted consistently with the requirements of section 72(s) or section 401(a)(9), as applicable. Incontestability All statements made in the application by, or under the authority of, the applicant are considered representations and not warranties. The validity of your contract will not be contestable. Misstatement of Age or Gender If the age or gender of an Annuitant has been misstated, the amount we will pay will be that which the Purchase Payment paid would have purchased if the correct age and gender had been stated. Age will be calculated as the age at the last birthday of that Annuitant. Any underpayments made by us due to a misstatement will be immediately paid in one sum with compounded interest. Any overpayments made by us will be charged against the next succeeding annuity payment or payments with compounded interest. Interest under this provision will be calculated based on the Misstatement Interest Rate shown on the Contract Schedule. Ownership All rights described in your contract may be exercised by you subject to the rights of any assignee on record with us and any irrevocably named Beneficiary. You may change the Owner by notifying us. A change will take effect as of the date you signed the notice. Any change is subject to payment or other action taken by us before we received the notice. We will not be liable for any tax consequences you may incur due to a change of the Owner designation.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 8 RIA II (05/25) NF NY Notices Unless stated otherwise, a valid notice or request from you to us must be in writing (or other form acceptable to us), reasonably clear and complete, signed by you, and received at our Administrative Office. Statements Each Contract Year, the Company will furnish a statement to the Owner reflecting the following information: (1) the beginning and ending dates of the statement period, (2) the Contract Value at the beginning and end of the statement period, (3) amounts credited and debited to the Contract Value, such as Withdrawals and Segment Credits, (4) the Cash Surrender Value at the end of the statement period, and (5) the Death Benefit at the end of the statement period. The Owner may request a statement reflecting current contract values at any time. 3. Purchase Payment and Contract Value Purchase Payment The “Purchase Payment” is the amount we receive for your contract. The Purchase Payment is due on the Contract Date. No Purchase Payment will be accepted after the Contract Date. Contract Value The “Contract Value” at any time is equal to the sum of the Segment Values. Segment Value The “Segment Value” of a Segment Option at any time is determined based on the provisions of the applicable Strategy Endorsement. Segment Credits The dollar amounts we credit to each Segment Option under this contract are called “Segment Credits.” Segment Credits may be positive, negative, or zero. Segment Credits will be calculated for a Segment Option based on the provisions of the applicable Strategy Endorsement. Segment Allocation On the Contract Date, the Purchase Payment will be credited to the Holding Account. The Holding Account will be transferred to the Segment Options on the Initial Segment Start Date (shown in the Segment Contract Schedule) based on the Segment Allocation Percentages selected by the Owner. The Segment Allocation Percentages selected for each Segment Option must be a whole percentage ranging from 0% to 100%. The sum of the Segment Allocation Percentages must equal 100%. Segment Value Transfers At each Segment End Date that occurs before the Annuity Date, you may elect to transfer some or all of the Segment Value from a Segment Option into one or more of your contract’s other Segment Options, subject to any transfer limitations specified in the Strategy Endorsements. Each Segment Option involved in a transfer must be at the end of a Segment Term Period. We will notify you at least 15 days before the Segment End Date of the Cap Rates, Participation Rates, Downside Participation Rates, Trigger Rates, and Annual Interest Rates applicable to available Segment Options for the next Segment Term Period. Cap Rates, Participation Rates, Downside Participation Rates, Trigger Rates, and Annual Interest Rates are defined in the applicable Strategy Endorsements. To elect a transfer, you must notify us at least two Business Days before the Segment End Date on which the transfer is to be made. Your notice must specify the Segment Options to which each transfer is to be made. You must also specify the amount that is to be transferred, either as a total dollar amount or as a whole percentage of the Segment Value of the Segment Option from which the funds are being transferred.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 9 RIA II (05/25) NF NY For any transfer request we receive where the amount to be transferred represents a percentage of a known or unknown value, we will use our best efforts to determine the amount that must be transferred from each Segment Option in order to satisfy the intent of your request. 4. Interim Value Interim Value The “Interim Value” at any time is equal to the sum of the Segment Interim Values. Segment Interim Value The “Segment Interim Value” for any Segment Option is calculated daily and is equal to A + B + C, where: A is the Segment Value on this date; B is any applicable Interest Adjustment on this date; and C is any applicable Equity Adjustment on this date. Interest Adjustment The “Interest Adjustment” is a positive or negative adjustment that approximates the change in the value of the fixed income assets purchased in support of the contract. The Interest Adjustment applies only during the Withdrawal Charge Period. On any day during the Withdrawal Charge Period, the Interest Adjustment for any Segment Option equals A x B, where: A is the portion of the Segment Value that is subject to a Withdrawal Charge on this date, immediately prior to any Withdrawal; and B is the Interest Adjustment Factor. Interest Adjustment Factor The “Interest Adjustment Factor” for any Index-Linked Segment Option equals (RN/12 – 1) x (1 – C), where: N is the number of complete months remaining before the Segment Term Period expires; R is equal to (1 + A) / (1 + B), where: A is the Beginning Interest Adjustment Index Value; B is the Closing Interest Adjustment Index Value; and C is equal to D x (1 – E), where: D is the value of certain derivative instruments on the Segment Start Date for the applicable Index-Linked Segment Option; and E is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. On each Business Day, we calculate the value of the derivative instruments for each Index-Linked Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 10 RIA II (05/25) NF NY The “Interest Adjustment Factor” for any Fixed Segment Option equals the greater of (RN/12 - 1) and [- (10% - C)], where: N is the number of complete months remaining before the Segment Term Period expires; R is equal to (1 + A) / (1 + B), where: A is the Beginning Interest Adjustment Index Value; B is the Closing Interest Adjustment Index Value; and C is equal to the applicable Withdrawal Charge rate for that Contract Year. The “Beginning Interest Adjustment Index Value” is equal to the closing yield of the Interest Adjustment Index on the Segment Start Date. The “Closing Interest Adjustment Index Value” is equal to the closing yield of the Interest Adjustment Index on the day we calculate the Segment Interim Value. If a closing yield of the Interest Adjustment Index is not available on any day for which a closing yield is needed, then the closing yield as of the first preceding Business Day for which a closing yield is available will be used. The “Interest Adjustment Index” is shown on the Contract Schedule. You may obtain the daily yield of the Interest Adjustment Index by contacting us at the Administrative Office phone number noted on the cover page of your contract. If the Interest Adjustment Index is discontinued, we are unable for any reason to utilize it, or the calculation of the Interest Adjustment Index is changed substantially, we may substitute another method of determining the values that will be used in the above calculation and will inform you of that change at your last known address on file with us. Any substitute index will be submitted for prior approval to the New York Department of Financial Services. Equity Adjustment The “Equity Adjustment” is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. The Equity Adjustment does not apply to Fixed Segment Options. On any day, except the Segment End Date, the Equity Adjustment for any Index-Linked Segment Option equals A x B, where: A is the Segment Value on this date, immediately prior to any Withdrawal; and B is the Equity Adjustment Factor applicable to that Segment Option. The Equity Adjustment is equal to zero on the Segment End Date. Equity Adjustment Factor The “Equity Adjustment Factor” for an Index-Linked Segment Option is determined based on the provisions of the applicable Strategy Endorsement. 5. Cash Surrender Value and Withdrawals Cash Surrender Value The “Cash Surrender Value” is the Interim Value adjusted for any applicable Withdrawal Charges. On or before the Annuity Date and before the date the Death Benefit becomes payable under this contract, you may surrender your contract for the Cash Surrender Value by making a written request to our Administrative Office. The Company may defer payment upon surrender of this contract for up to six months.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 11 RIA II (05/25) NF NY Withdrawal Charge Withdrawals may incur a charge if made during the Contract Years with a corresponding positive rate as shown in the Withdrawal Charge Rate Schedule (that charge, a “Withdrawal Charge”; those Contract Years, the “Withdrawal Charge Period”). The amount of the Withdrawal Charge is the applicable rate from the Withdrawal Charge Rate Schedule multiplied by the Withdrawal amount. The Withdrawal Charge Rate Schedule is set forth in your Contract Schedule. The Withdrawal Charge does not apply to Free Withdrawals (defined in the following provision). Withdrawals, Free Withdrawals On or before the Annuity Date and before the date the Death Benefit becomes payable under this contract, you may request a Withdrawal from your contract. The Withdrawal amount, adjusted for any applicable Withdrawal Charges, Interest Adjustment, and Equity Adjustment, cannot be greater than the Cash Surrender Value. On or after the Initial Segment Start Date, an Interest Adjustment will be applied to any portion of a surrender or Withdrawal that is subject to a Withdrawal Charge and will be calculated as a separate adjustment that is in addition to any applicable Withdrawal Charge. An Interest Adjustment will not be applied to any portion of a surrender or Withdrawal that is not subject to a Withdrawal Charge. All Withdrawals, including Free Withdrawal amounts, will be subject to an Equity Adjustment. Unless you direct otherwise, all partial Withdrawals will be taken first from the Fixed Segment Options (shown on the Segment Contract Schedule), beginning with the Fixed Segment Option with the shortest Segment Term Period. To the extent there are not enough funds in the Fixed Segment Options to cover the entire Withdrawal, we will deduct the remaining balance from the other Segment Options in which you have funds, beginning with Segment Options that have the shortest Segment Term Period. If you have multiple Segment Options with the same Segment Term Period, we will deduct the remaining balance pro rata across those Segment Options. A “Free Withdrawal” is a Withdrawal amount on which no Withdrawal Charges or Interest Adjustment apply. Free Withdrawals are available beginning on the Initial Segment Start Date. The Free Withdrawal amount available to you in the first Segment Year will be equal to the Free Withdrawal Percentage for that Segment Year multiplied by the Contract Value on the Initial Segment Start Date. In subsequent Segment Years, the Free Withdrawal amount available to you will be equal to the Free Withdrawal Percentage for that Segment Year multiplied by the Contract Value as of the Segment Anniversary on the first day of that Segment Year. The Free Withdrawal Percentages are shown on the Contract Schedule. Any unused portion of the Free Withdrawal amount for a Segment Year cannot be carried over to the following Segment Year. If the amount of a Withdrawal in any Segment Year exceeds the Free Withdrawal amount for that Segment Year, the excess Withdrawal will be subject to any applicable Withdrawal Charge and Interest Adjustment. To take a Withdrawal from your contract, you must notify us. The minimum amount that you may request to be withdrawn from your contract at any time is $500. If you request a Withdrawal that causes the Contract Value to be less than $2,000, we will treat your request as a surrender of your contract. We reserve the right to pay Withdrawal amounts directly to you. We may defer payment of any Withdrawals of any type from your contract (except for the payment of Death Benefits, annuity payments, and required minimum distributions under Internal Revenue Code section 401(a)(9)) for up to six months. Interest will be paid on any amount deferred for ten days or more, from the date the documentation necessary to complete the transaction is received by us at a rate at least equal to the rate required by the state of New York.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 12 RIA II (05/25) NF NY Required Minimum Distribution Withdrawals This provision applies only if your contract is subject to the minimum distribution requirements under Internal Revenue Code section 401(a)(9), such as if this contract is a contract issued in connection with a qualified plan under section 401(a), a section 403(b) contract, an individual retirement annuity contract under section 408, or a ▇▇▇▇ ▇▇▇ under section 408A. Any Withdrawal of a required minimum distribution under section 401(a)(9) with respect to this contract, as calculated by us, will not be subject to a Withdrawal Charge or Interest Adjustment except as otherwise provided in this section. Any required minimum distribution Withdrawal amount includes and is not in addition to the contract's Free Withdrawal amount. Required minimum distributions will incur a Withdrawal Charge and Interest Adjustment if you previously took a Withdrawal in the same Segment Year to satisfy the required minimum distribution requirement. In this circumstance, you must wait until the next Segment Anniversary to take your required minimum distribution free of a Withdrawal Charge or Interest Adjustment. 6. Death Provisions Death Benefit The “Death Benefit” will be equal to the Interim Value. The Death Benefit will be calculated as of the date of death. Withdrawal Charges will not be applied in determining the Death Benefit payable to the Beneficiary. The Death Benefit must be paid in a manner that complies with the applicable requirements of section 72(s) of the Internal Revenue Code. Before we will pay the Death Benefit, we must receive the following claim information at our Administrative Office in a reasonably clear and complete manner: • proof of death while the contract was in effect; • our claim form properly completed from each Beneficiary, as applicable; and • any other documents required by law. Beneficiary The following rules apply unless otherwise permitted by us in accordance with applicable law: • No Beneficiary has any rights in your contract until they are entitled to the Death Benefit. If the Beneficiary, including an irrevocable Beneficiary, dies before that time, all rights of that Beneficiary will end at their death. • If no Beneficiary has been named or if no Beneficiary is alive at the time the Death Benefit is payable, then the Beneficiary is the estate of the deceased Owner or Annuitant whose death caused the Death Benefit to be payable. If the death of both Joint Annuitants or Joint Owners, if applicable, occurs simultaneously, the estates of both will be the Beneficiary in equal shares. This paragraph does not apply if there is a named Beneficiary and such Beneficiary is an entity. • If you have not designated how the Death Benefit is to be distributed and two or more Beneficiaries are entitled to the Death Benefit, the Death Benefit will be paid to the Beneficiaries in equal shares. • Unless you notify us otherwise, if you have designated how the Death Benefit is to be distributed and a Beneficiary dies prior to the time such Beneficiary is entitled to the Death Benefit, the portion of the Death Benefit designated to the deceased Beneficiary will be divided among the surviving Beneficiaries and Beneficiaries that are entities on a pro rata basis. In other words, each surviving Beneficiary's or each entity Beneficiary’s interest in the Death Benefit will be divided by the sum of the interests of all such surviving or entity Beneficiaries to determine the percentage each Beneficiary will receive of the deceased Beneficiary's original interest in the Death Benefit.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 13 RIA II (05/25) NF NY Death of an Annuitant prior to the Annuity Date If the Annuitant is not an Owner and dies prior to the Annuity Date, you may designate a new Annuitant, subject to our underwriting rules then in effect. If no designation is made within 30 days of death of the Annuitant, the younger of you or any Joint Owner will become the Annuitant. If the Owner is a non-natural person, the death of the Annuitant will be treated as the death of the Owner and a new Annuitant may not be designated. Death of an Owner prior to the Annuity Date If any Owner (or, if the Owner is a non-natural person, any Annuitant) dies prior to the Annuity Date, we will pay the Death Benefit to the Beneficiary. Upon the death of any Joint Owner, where the surviving spouse is the surviving Joint Owner, the surviving Joint Owner will become the sole designated Beneficiary to whom the Death Benefit will be paid, and any other Beneficiary designation on record at the time of the death will be treated as a contingent Beneficiary. If the Beneficiary is a natural person, that Beneficiary may elect for the Death Benefit to be distributed over the life of the Beneficiary, or over a period not extending beyond the life expectancy of the Beneficiary, provided the election is made in accordance with Internal Revenue Code section 72. If the sole Beneficiary is the deceased Owner’s surviving spouse (or, if the Owner is a non-natural person, the deceased Annuitant’s surviving spouse), the surviving spouse may elect to continue the contract as the sole Owner in lieu of receiving the Death Benefit. This provision relating to the surviving spouse can only apply once and cannot apply a second time if the surviving spouse elects to continue the contract, remarries, and then dies. All elections must be made by submitting the appropriate notice to us. Death on or after the Annuity Date If an Owner dies (or an Annuitant dies where the Owner is a non-natural person) on or after the Annuity Date and before the entire interest in this contract has been distributed, any remaining interest in this contract will be distributed under the method of distribution being used on the date of death. 7. Settlement Options Election of Option On the Annuity Date, the Interim Value will be applied to provide annuity payments to you or a payee you designate in accordance with the applicable Settlement Option elected by the Owner or, if no Settlement Option was elected, in accordance with the Annuity Payments provision. Withdrawal Charges will not be applied when you elect a Settlement Option and will not be applied to the resulting annuity payments. As stated in the Annuity Payments provision, an election of a Settlement Option must be made in writing by the Owner prior to the Annuity Date and is irrevocable as of the Annuity Date. Additionally, the Beneficiary may elect to receive the Death Benefit under one of the Settlement Options described below, subject to the satisfaction of section 72(s) of the Internal Revenue Code, as amended. Any election of a Settlement Option by a Beneficiary must be made in writing and is irrevocable as of the date payments begin. For purposes of the Settlement Options below, the Beneficiary will be the Annuitant. A lump sum along with a Settlement Option may be elected. The amount applied under the Settlement Option must be at least $5,000. If on the Annuity Date the Contract Value is less than $5,000, the full Contract Value will be paid to you in a lump sum.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 14 RIA II (05/25) NF NY If a Settlement Option with a Guaranteed Period is elected and provides for installment payments of the same amount at some ages for different guaranteed periods, we will deem an election to have been made for the longest guaranteed period which could have been elected for such age and amount. Payments made quarterly, semiannually, or annually may be elected in lieu of monthly payments. Payments less than $100 will only be made annually. Betterment of Rates On the Annuity Date, annuity payments will not be less than those that would be provided by the application of the Interim Value to purchase any single premium immediate annuity contract offered by us, of the same type as the settlement option elected, to the same class of annuitants. Settlement Options No future payments under any option except as provided by law may be assigned or transferred. In addition to the Settlement Options below, we may provide other options at our discretion: Option 1: Life Annuity Monthly payments will be made during the lifetime of the Annuitant. The monthly payments will cease on the death of the Annuitant. No payments will be due after the death of the Annuitant. Option 2: Life Annuity with Guaranteed Period Monthly payments will be made for the longer of the guaranteed period elected and the lifetime of the Annuitant. The guaranteed periods are 5, 10, 15 or 20 years, or any other period agreed upon in writing by us. After the guaranteed period, monthly payments will cease on the death of the Annuitant, and no payments will be due after the death of the Annuitant. If the Annuitant dies during the guaranteed period, no payments will be due after the guaranteed period. Option 3: Installment Refund Life Annuity Monthly payments will be made for the Installment Refund Period and thereafter for the lifetime of the Annuitant. The “Installment Refund Period” is the period required for the sum of the monthly payments to equal the total amount applied under this option. After the Installment Refund Period, monthly payments will cease on the death of the Annuitant, and no payments will be due after the death of the Annuitant. If the Annuitant dies during the Installment Refund Period, no payments will be due after the Installment Refund Period. Option 4: Joint and Last Survivor Annuity Monthly payments will be made for the joint lifetime of two Annuitants and in an equal amount during the remaining lifetime of the survivor. Payments will cease, and no further payments will be due, on the death of the last survivor. Payments may also be elected to be made to the survivor in an amount equal to two- thirds or one-half of the payment made during the joint lifetime of the two persons. We will furnish Annuity Settlement Option factors for Option 4 upon request. Option 5: Fixed Period Annuity Monthly payments will be made for the fixed period elected. Payments will cease at the end of the fixed period and no further payments will be due. The fixed period that may be elected is any period from 5 to 30 years. Fixed periods shorter than 10 years are only available as a Death Benefit Settlement Option. Annuity Settlement Option factors for Options 1, 2, 3, and 5 are shown on the Contract Schedule.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF Page 15 RIA II (05/25) NF NY 8. Termination Your contract will terminate on the date on which all amounts are paid as required by your contract.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York RIA II (05/25) NF RIA II (05/25) NF NY Individual Single Purchase Payment Index-Linked Deferred Separate Account Annuity Contract Subject to the terms and conditions of your contract, periodic income commencing on the Annuity Date with the option to change the type of Settlement Option payable prior to the Annuity Date. Non-Participating. Administrative Office: Home Office: Mail Processing Center ▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇ ▇.▇. Box 1555 P.O. Box 1690 Des Moines, IA 50306-▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ 888-266-8489 ▇▇▇-▇▇▇-▇▇▇▇

Contract Schedule ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York ▇▇ ▇▇ (05/25) Page 1 ▇▇ ▇▇ (05/25) NY Contract Schedule Contract Number: [Specimen] Annuitant: [▇▇▇▇ ▇▇▇] Age: [35] Gender: [Male] [Joint Annuitant: [▇▇▇▇ ▇▇▇] Age: [35] Gender: [Female]] Owner: [▇▇▇▇ ▇▇▇▇▇] Age: [60] Gender: [Male] [Joint Owner: [▇▇▇▇ ▇▇▇▇▇] Age: [60] Gender: [Female]] Contract Date: [01/10/2023] Maximum Issue Age: [80] Maximum Annuity Date: [01/10/2083] Purchase Payment: $[10,000.00] Misstatement Interest Rate: [1.00%] Withdrawal Charge Rate Schedule Free Withdrawal Percentage Schedule Contract Year Rate Segment Year Percentage 1 8.00% [1 10.00% 2 8.00% 2 10.00% 3 7.00% 3 10.00% 4 6.00% 4 10.00% 5 5.00% 5 10.00% 6 4.00% 6 10.00%] 7+ 0.00% 7+ 100.00% Interest Adjustment Index1 [7 Year Point on the A Rated US Bloomberg Fair Value Curve] 1We will publish the Interest Adjustment Index values on our customer portal ([▇▇▇.▇▇▇▇▇▇.▇▇▇/MyAthene]).

Contract Schedule Athene Annuity & Life Assurance Company of New York ▇▇ ▇▇ (05/25) Page 2 ▇▇ ▇▇ (05/25) NY Annuity Tables The guaranteed monthly income rates for the Settlement Options are set forth in the tables below and are based on (1) an interest rate of 0.50%, and (2) where lifespan affects the payout, the 2012 ANB IAM Period Table developed by the Society of Actuaries, with gender-specific rates, projected for 13 years using Projection Scale G2 for the first year of annuity income and one additional year of projection for each subsequent year. Specific guaranteed monthly income rates for Options 1, 2, 3, and 5 are set forth in the tables below. We will provide rates for Option 4 upon request; these rates will be based upon items (1) and (2) described immediately above. We may offer guaranteed monthly income rates that are more favorable than those contained in your contract. We will provide rates, upon request, for ages not set forth in the tables below, subject to the age limit implied by the Maximum Annuity Date. Males - Option One, Two and Three Monthly Income Rates per $1,000 Period Certain & Life Age Life 5 Years 10 Years 15 Years 20 Years Installment Refund 60 3.07 3.06 3.04 3.00 2.94 2.65 65 3.62 3.60 3.56 3.48 3.34 3.00 70 4.38 4.36 4.26 4.07 3.78 3.46 75 5.52 5.45 5.20 4.74 4.13 4.07 80 7.28 7.06 6.35 5.32 4.32 4.88 85 10.10 9.33 7.47 5.64 4.37 5.99 90 14.61 12.05 8.18 5.75 4.38 7.53 95 21.17 14.39 8.46 5.76 4.38 9.53 Females - Option One, Two and Three Monthly Income Rates per $1,000 Period Certain & Life Age Life 5 Years 10 Years 15 Years 20 Years Installment Refund 60 2.92 2.92 2.90 2.87 2.82 2.55 65 3.42 3.41 3.38 3.31 3.22 2.88 70 4.10 4.08 4.01 3.87 3.65 3.30 75 5.09 5.04 4.87 4.53 4.03 3.85 80 6.62 6.47 5.96 5.15 4.27 4.57 85 9.03 8.50 7.10 5.56 4.36 5.56 90 12.66 10.99 7.97 5.73 4.38 6.90 95 18.31 13.59 8.39 5.76 4.38 8.78

Contract Schedule Athene Annuity & Life Assurance Company of New York ▇▇ ▇▇ (05/25) Page 3 ▇▇ ▇▇ (05/25) NY Option Five1 Monthly Income Rates per $1,000 of Proceeds Fixed Period (in years) Monthly Payment 5 16.87 10 8.54 15 5.76 20 4.38 25 3.54 30 2.99 1 Fixed periods shorter than 10 years are only available as a Death Benefit Settlement Option. Endorsements and Riders attached to this Contract: Fixed Strategy Endorsement Buffer Strategy Endorsement [Buffer Multi-Index Strategy Endorsement] [Trigger Strategy Endorsement] [Dual Trigger Strategy Endorsement] [Dual Direction Strategy Endorsement] [Performance Lock Endorsement] [Confinement Waiver of Withdrawal Charges Endorsement] [Terminal Illness Waiver of Withdrawal Charges Endorsement] [Guaranteed Minimum Death Benefit Endorsement] [IRA Endorsement] [▇▇▇▇ ▇▇▇ Endorsement] ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Confinement Waiver of Withdrawal Charges Athene Annuity & Life Assurance Company of New York ▇▇ ▇▇ (05/25) Page 1 ▇▇ ▇▇ (05/25) NY CONFINEMENT WAIVER OF WITHDRAWAL CHARGES Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Confinement Waiver After the first Contract Anniversary and on or before the Annuity Date and before the date the Death Benefit becomes payable under the contract, you may request a payment equal to an amount of up to your contract’s Interim Value if, at the time of the request, all of the following conditions are met: • any Owner (or if the Owner is a non-natural person, any Annuitant) is confined to a Qualified Care Facility; • confinement continues for at least 60 consecutive days; • confinement begins at least one year after the Contract Date; • confinement is recommended in writing by a Physician who does not have an ownership interest in, and is not a W-2 employee of, the Qualified Care Facility, unless such an independent Physician cannot reasonably be accessed by the Owner or Annuitant (as applicable); and • we receive the Withdrawal request and the Physician's written recommendation of confinement either while the confinement continues or, if confinement has ceased, no later than 90 days following the date the confinement has ceased. Any payment made under this endorsement will not be subject to Withdrawal Charges or Interest Adjustments. Any applicable Equity Adjustment will still apply. A “Qualified Care Facility” means a Convalescent Care Facility, Hospice Facility or Hospital, defined as follows: • “Convalescent Care Facility” means an institution which: (i) is licensed by the State as a convalescent nursing facility, a qualified nursing facility, a convalescent hospital, a convalescent unit of a Hospital, an intermediate care facility, or a custodial care facility; and (ii) is primarily engaged in providing, in addition to room and board accommodations, continuous nursing service by or under the supervision of a Physician or a licensed registered nurse (R.N.); and (iii) maintains a daily record of each patient which is available for our review; and (iv) administers a planned program of observation and treatment by a Physician which is in accordance with existing standards of medical practice for the confinement. Convalescent Care Facility does not mean a facility or any part of a facility used primarily for rest care, training or education, or the treatment of alcoholism or chemical dependency. • “Hospice Facility” means an institution which provides a formal program of care for terminally ill patients whose life expectancy is less than six months, provided on an inpatient basis and directed by a Physician. It must be licensed, certified, or registered in accordance with State law. • “Hospital” means an institution which: (i) is licensed as a hospital and operated pursuant to law; and (ii) is primarily engaged in providing or operating (either on its premises or in facilities available to the hospital on a prearranged contractual basis and under the supervision of a staff of one or more duly licensed Physicians) diagnostic and surgery facilities for the medical care and treatment of injured and sick persons on an inpatient basis for which a charge is made; and (iii) provides 24-hour nursing service by or under the supervision of a licensed registered nurse (R.N.). Hospital does not mean a facility or any part of a facility used primarily for rest care, training or education, or the treatment of alcoholism or chemical dependency.

Confinement Waiver of Withdrawal Charges Athene Annuity & Life Assurance Company of New York ▇▇ ▇▇ (05/25) Page 2 ▇▇ ▇▇ (05/25) NY “Physician” means a doctor of medicine or osteopathy practicing in a State in which he or she is legally authorized to practice medicine. The Physician cannot be you, an Annuitant, a Beneficiary, or a member of your, an Annuitant’s, or a Beneficiary’s immediate family, including a husband, wife, domestic partner, civil union partner, child, sibling, parent, grandparent, grandchild, cousin, aunt, uncle, niece, nephew, or any of their spouses, domestic partners, or civil union partners. “State” means each state of the United States of America, as well as the District of Columbia, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, Guam, and American Samoa. Denial of Waiver If we deny a confinement waiver claim, the Withdrawal will not be disbursed until the Owner is notified of the denial and provided the opportunity to accept or reject the Withdrawal proceeds after any Withdrawal Charge and any applicable Interest Adjustment. Termination This endorsement will terminate upon the change or addition of an Owner (or if the Owner is a non-natural person, upon the change or addition of an Annuitant), except through continuation of the contract by the surviving spouse. Termination of this contract shall not prejudice the waiver of any Withdrawal Charges and Interest Adjustments while this Confinement Waiver was in force. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Terminal Illness Waiver of Withdrawal Charges Athene Annuity & Life Assurance Company of New York TIW II (05/25) Page 1 TIW II (05/25) NY TERMINAL ILLNESS WAIVER OF WITHDRAWAL CHARGES Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Terminal Illness Waiver After the first Contract Anniversary and on or before the Annuity Date and before the date the Death Benefit becomes payable under this contract, you may request a payment equal to an amount of up to your contract’s Interim Value if, at the time of the request, all of the following conditions are met: • any Owner (or if the Owner is a non-natural person, any Annuitant), is diagnosed with a Terminal Illness; • the initial diagnosis occurs at least one year after the Contract Date; and • the Withdrawal request is accompanied by a certification of Terminal Illness prepared by a Physician who has examined the ill Owner or Annuitant (as applicable) and is qualified to provide the certification. Any payment made under this endorsement will not be subject to Withdrawal Charges or Interest Adjustments. Any applicable Equity Adjustment will still apply. “Terminal Illness” means an illness or injury that is expected to cause death within 12 months. “Physician” means a doctor of medicine or osteopathy practicing in a State in which he or she is legally authorized to practice medicine. The Physician cannot be you, an Annuitant, a Beneficiary, or a member of your, an Annuitant’s, or a Beneficiary’s immediate family, including a husband, wife, domestic partner, civil union partner, child, sibling, parent, grandparent, grandchild, cousin, aunt, uncle, niece, nephew, or any of their spouses, domestic partners, or civil union partners. “State” means each state of the United States of America, as well as the District of Columbia, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, Guam, and American Samoa. Denial of Waiver If we deny a Terminal Illness waiver claim, the Withdrawal will not be disbursed until the Owner is notified of the denial and provided the opportunity to accept or reject the Withdrawal proceeds after any Withdrawal Charge and any applicable Interest Adjustment. Termination This endorsement will terminate upon the change or addition of an Owner (or if the Owner is a non-natural person, upon the change or addition of an Annuitant), except through continuation of the contract by the surviving spouse. Termination of this contract shall not prejudice the waiver of any Withdrawal Charges and Interest Adjustments while this Terminal Illness Waiver was in force. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 1 SCS II (05/25) NF NY Segment Contract Schedule Initial Segment Term Period Allocation The Segment Allocation Percentages for the initial Segment Term Period are shown in the table below. Segment Option Buffer Rate Initial Segment Allocation Percentages Performance Lock Available? [[1-Yr Point-To-Point Buffer (SPX)] [20.00]% [0]% [Yes]] [[1-Yr Point-To-Point Buffer (SPX)] [10.00]% [100]% [Yes]] [[1-Yr Point-To-Point Buffer (NDX)] [10.00]% [0]% [Yes]] [[1-Yr Point-To-Point Buffer (RTY)] [10.00]% [0]% [Yes]] [[1-Yr Point-To-Point Buffer (MXEA)] [10.00]% [0]% [Yes]] [[1-Yr Dual Direction Buffer (SPX)] [10.00]% [0]% [Yes]] [[1-Yr Trigger Buffer (SPX)] [10.00]% [0]% [Yes]] [[1-Yr Dual Trigger Buffer (SPX)] [20.00]% [0]% [Yes]] [[1-Yr Dual Trigger Buffer (SPX)] [10.00]% [0]% [Yes]] [[2-Yr Point-To-Point Buffer (SPX)] [20.00]% [0]% [Yes]] [[2-Yr Point-To-Point Buffer (SPX)] [10.00]% [0]% [Yes]] [[2-Yr Point-To-Point Buffer (NDX)] [10.00]% [0]% [Yes]] [[2-Yr Point-To-Point Buffer (RTY)] [10.00]% [0]% [Yes]] [[2-Yr Point-To-Point Buffer (MXEA)] [10.00]% [0]% [Yes]] [[6-Yr Point-To-Point Buffer (SPX)] [30.00]% [0]% [Yes]] [[6-Yr Point-To-Point Buffer (SPX)] [20.00]% [0]% [Yes]] [[6-Yr Point-To-Point Buffer (SPX)] [10.00]% [0]% [Yes]] [[6-Yr Point-To-Point Buffer (NDX)] [10.00]% [0]% [Yes]] [[6-Yr Buffer Multi-Index (SPX, RTY, MXEA)] [10.00]% [0]% [Yes]] [[6-Yr Dual Direction Buffer (SPX)] [20.00]% [0]% [Yes]] [[6-Yr Dual Trigger Buffer (SPX)] [30.00]% [0]% [Yes]] [[6-Yr Dual Trigger Buffer (SPX)] [20.00]% [0]% [Yes]] [[6-Yr Dual Trigger Buffer (SPX)] [10.00]% [0]% [Yes]] [[Fixed] N/A [0]% No] Substitution or Discontinuation of an Index If an Index is discontinued or if the calculation of the Index is changed substantially, we will discontinue the Index and substitute a comparable Index for that Index and provide you 30 days’ prior notice of the change at your last known address on file with us. Any substitute Index will be submitted for prior approval to the New York Department of Financial Services. If we discontinue any Index during a Segment Term Period and substitute a similar Index, Segment Credits will be determined as follows:

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 2 SCS II (05/25) NF NY (1) We will determine the Index Change for the Segment Term Period by (i) multiplying together one plus the percentage change in the Index Price of the original Index from the Segment Start Date until the date of the substitution and one plus the percentage change in the Index Price of the substituted Index from the date of the substitution until the Segment End Date, (ii) subtracting one from the result, and then (iii) applying any applicable Cap Rate, Participation Rate, Downside Participation Rate, Trigger Rate, and Buffer Rate. The substituted Index will be incorporated in the Buffer Multi-Index Segment Option, if applicable. (2) The resulting Segment Credit will be added to your Segment Value on the scheduled Segment End Date. Addition, Discontinuation, or Suspension of a Segment Option We may add, discontinue, or temporarily suspend the availability of any Index-Linked Segment Option at our discretion. When a change is made to an Index-Linked Segment Option, we will send you a notice describing the change. This change will take effect upon your contract as of the next available Segment Start Date for any allowable transfers into the affected Index-Linked Segment Options. If you have Segment Value in an Index-Linked Segment Option that is discontinued or suspended, the Segment Value will remain in that Index- Linked Segment Option until the end of that option’s Segment Term Period. After that, that Index-Linked Segment Option will no longer be available. If a Segment Option is no longer available, the Segment Value in that option will be automatically transferred to the Fixed Segment Option on the scheduled Segment End Date, unless you elect to have the Segment Value transferred to one or more of the available Segment Options by providing us notice as provided for in the Segment Value Transfers provision of the contract. At least one Index-Linked Segment Option will always be available. Holding Account Fixed Interest Rate: [3.00%] Initial Segment Start Date: [January] [22], [2025] Fixed Segment Option[s] Segment Term Period Initial Minimum Guaranteed Interest Rate Initial Annual Interest Rate [[1] Year[s] [2.30%] [3.00]%]

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 3 SCS II (05/25) NF NY Buffer Segment Option[s] Segment Option Guarantees Index Segment Term Period Buffer Rate Minimum Cap Rate Minimum Participation Rate [[S&P 500® (SPX)] [1] Year[s] [20.00]% [4.00%] [100]%] [[S&P 500® (SPX)] [1] Year[s] [10.00]% [5.00%] [100]%] [[Nasdaq-100® (NDX)] [1] Year[s] [10.00]% [5.00%] [100]%] [[▇▇▇▇▇▇▇ 2000® (RTY)] [1] Year[s] [10.00]% [5.00%] [100]%] [[MSCI EAFE (MXEA)] [1] Year[s] [10.00]% [5.00%] [100]%] [[S&P 500® (SPX)] [2] Year[s] [20.00]% [8.00%] [100]%] [[S&P 500® (SPX)] [2] Year[s] [10.00]% [10.00%] [100]%] [[Nasdaq-100® (NDX)] [2] Year[s] [10.00]% [10.00%] [100]%] [[▇▇▇▇▇▇▇ 2000® (RTY)] [2] Year[s] [10.00]% [10.00%] [100]%] [[MSCI EAFE (MXEA)] [2] Year[s] [10.00]% [10.00%] [100]%] [[S&P 500® (SPX)] [6] Year[s] [30.00]% [18.00%] [100]%] [[S&P 500® (SPX)] [6] Year[s] [20.00]% [24.00%] [100]%] [[S&P 500® (SPX)] [6] Year[s] [10.00]% [30.00%] [100]%] [[Nasdaq-100® (NDX)] [6] Year[s] [10.00]% [30.00%] [100]%] Initial Segment Term Period Data Index Segment Term Period Buffer Rate Cap Rate Participation Rate [[S&P 500® (SPX)] [1] Year[s] [20.00]% [12.75%] [100]%] [[S&P 500® (SPX)] [1] Year[s] [10.00]% [19.50%] [100]%] [[Nasdaq-100® (NDX)] [1] Year[s] [10.00]% [21.25%] [100]%] [[▇▇▇▇▇▇▇ 2000® (RTY)] [1] Year[s] [10.00]% [22.25%] [100]%] [[MSCI EAFE (MXEA)] [1] Year[s] [10.00]% [25.00%] [100]%] [[S&P 500® (SPX)] [2] Year[s] [20.00]% [29.00%] [100]%] [[S&P 500® (SPX)] [2] Year[s] [10.00]% [55.00%] [100]%] [[Nasdaq-100® (NDX)] [2] Year[s] [10.00]% [36.00%] [100]%] [[▇▇▇▇▇▇▇ 2000® (RTY)] [2] Year[s] [10.00]% [43.00%] [100]%] [[MSCI EAFE (MXEA)] [2] Year[s] [10.00]% [N/A] [115]%] [[S&P 500® (SPX)] [6] Year[s] [30.00]% [N/A] [100]%] [[S&P 500® (SPX)] [6] Year[s] [20.00]% [N/A] [110]%] [[S&P 500® (SPX)] [6] Year[s] [10.00]% [N/A] [120]%] [[Nasdaq-100® (NDX)] [6] Year[s] [10.00]% [N/A] [100]%]

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 4 SCS II (05/25) NF NY Trigger Segment Option[s] Segment Option Guarantees Index Segment Term Period Buffer Rate Minimum Trigger Rate [S&P 500® (SPX)] [1] Year[s] [10.00]% [5.00]% Initial Segment Term Period Data Index Segment Term Period Buffer Rate Trigger Rate [S&P 500® (SPX)] [1] Year[s] [10.00]% [11.00]% Dual Trigger Segment Option[s] Segment Option Guarantees Index Segment Term Period Buffer Rate Minimum Trigger Rate [S&P 500® (SPX)] [1] Year[s] [20.00]% [4.00]% [S&P 500® (SPX)] [1] Year[s] [10.00]% [5.00]% [S&P 500® (SPX)] [6] Year[s] [30.00]% [18.00]% [S&P 500® (SPX)] [6] Year[s] [20.00]% [24.00]% [S&P 500® (SPX)] [6] Year[s] [10.00]% [30.00]% Initial Segment Term Period Data Index Segment Term Period Buffer Rate Trigger Rate [S&P 500® (SPX)] [1] Year[s] [20.00]% [7.50]% [S&P 500® (SPX)] [1] Year[s] [10.00]% [9.25]% [S&P 500® (SPX)] [6] Year[s] [30.00]% [34.00]% [S&P 500® (SPX)] [6] Year[s] [20.00]% [38.00]% [S&P 500® (SPX)] [6] Year[s] [10.00]% [45.00]% Dual Direction Segment Option[s] Segment Option Guarantees Index Segment Term Period Buffer Rate Minimum Cap Rate Minimum Participation Rate Minimum Downside Participation Rate [S&P 500® (SPX)] [1] Year[s] [10.00]% [5.00%] [100]% [100]% [S&P 500® (SPX)] [6] Year[s] [20.00]% [24.00%] [100]% [100]% Initial Segment Term Period Data Index Segment Term Period Buffer Rate Cap Rate Participation Rate Downside Participation Rate [S&P 500® (SPX)] [1] Year[s] [10.00]% [N/A] [105]% [100]% [S&P 500® (SPX)] [6] Year[s] [20.00]% [N/A] [105]% [100]%

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 5 SCS II (05/25) NF NY Buffer Multi-Index Segment Option[s] Segment Option Guarantees Index Index Allocation Percentage Segment Term Period Buffer Rate Minimum Cap Rate Minimum Participation Rate Index X: [S&P 500® (SPX)] Index Y: [▇▇▇▇▇▇▇ 2000® (RTY)] Index Z: [MSCI EAFE (MXEA)] Allocation 1 [50%] Allocation 2 [30%] Allocation 3 [20%] [6] Year[s] [10.00]% [30.00%] [100]% Initial Segment Term Period Data Index Index Allocation Percentage Segment Term Period Buffer Rate Cap Rate Participation Rate Index X: [S&P 500® (SPX)] Index Y: [▇▇▇▇▇▇▇ 2000® (RTY)] Index Z: [MSCI EAFE (MXEA)] Allocation 1 [50%] Allocation 2 [30%] Allocation 3 [20%] [6] Year[s] [10.00]% [N/A] [100]%

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 6 SCS II (05/25) NF NY [S&P 500® Price Return Index The S&P 500® Index (the “Index") is a product of S&P Dow ▇▇▇▇▇ Indices LLC or its affiliates (“S&P DJI”) and has been licensed for use by ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York (“Athene”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow ▇▇▇▇▇® is a registered trademark of Dow ▇▇▇▇▇ Trademark Holdings LLC (“Dow ▇▇▇▇▇”). It is not possible to invest directly in an index. Athene’s products are not regulated, sponsored, operated, issued, endorsed, sold, guaranteed or promoted by S&P DJI, ▇▇▇ ▇▇▇▇▇, S&P, or any of their respective affiliates (collectively, “S&P Dow ▇▇▇▇▇ Indices”). S&P Dow ▇▇▇▇▇ Indices does not make any representation or warranty, express or implied, to the owners of Athene’s products or any member of the public regarding the advisability of investing in securities generally or in Athene’s products particularly or the ability of the Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow ▇▇▇▇▇ Indices’ only relationship to Athene with respect to the Index is the licensing of the Index and/or sub-licensing certain trademarks, service marks and/or trade names of S&P Dow ▇▇▇▇▇ Indices and/or its licensors. The Index is determined, composed and calculated by S&P Dow ▇▇▇▇▇ Indices without regard to Athene or Athene’s products. S&P Dow ▇▇▇▇▇ Indices has no obligation to take the needs of Athene or the owners of Athene’s products into consideration in determining, composing or calculating the Index. S&P Dow ▇▇▇▇▇ Indices has no obligation or liability in connection with the administration, marketing or trading of Athene’s products. There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow ▇▇▇▇▇ Indices LLC is not an investment adviser, commodity trading advisor, commodity pool operator, broker dealer, fiduciary, “promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow ▇▇▇▇▇ Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. S&P DOW ▇▇▇▇▇ INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW ▇▇▇▇▇ INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW ▇▇▇▇▇ INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ATHENE, OWNERS OF ATHENE’S PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW ▇▇▇▇▇ INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW ▇▇▇▇▇ INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW ▇▇▇▇▇ INDICES HAVE ANY CONTROL OVER, THE ATHENE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW ▇▇▇▇▇ INDICES AND ATHENE, OTHER THAN THE LICENSORS OF S&P DOW ▇▇▇▇▇ INDICES.]

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 7 SCS II (05/25) NF NY [▇▇▇▇▇▇▇ 2000® Price Return Index Athene annuity products (the “Products”) have been developed solely by ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York. The Products are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE ▇▇▇▇▇▇▇ is a trading name of certain of the LSE Group companies. All rights in the ▇▇▇▇▇▇▇ 2000 Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “▇▇▇▇▇▇▇®” and “▇▇▇▇▇▇▇ 2000®” are trademarks of the relevant LSE Group company and are used by any other LSE Group company under license. The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Products. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Products or the suitability of the Index for the purpose to which it is being put by ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York.] [MSCI EAFE Price Return Index THIS PRODUCT IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE “MSCI PARTIES”). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY ATHENE ANNUITY & LIFE ASSURANCE COMPANY OF NEW YORK. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN PRODUCTS GENERALLY OR IN THIS PRODUCT PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THIS PRODUCT OR THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THIS PRODUCT TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THIS PRODUCT IS REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THIS PRODUCT. ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York SCS II (05/25) NF Page 8 SCS II (05/25) NF NY No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.] [Nasdaq-100® Price Return Index The Product(s) is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly, or the ability of the Nasdaq-100® Index to track general stock market performance. The Corporations' only relationship to Athene Annuity & Life Assurance Company of New York (“Licensee”) is in the licensing of the Nasdaq®, Nasdaq-100®, and Nasdaq-100® Index, and certain trade names of the Corporations and the use of the Nasdaq-100® Index which is determined, composed and calculated by Nasdaq without regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100® Index. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s). THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF NASDAQ-100® INDEX OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S) OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100® INDEX OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100® INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.]

Fixed Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Fixed II (05/25) Page 1 Fixed II (05/25) NY Fixed Strategy Endorsement General Endorsement Provisions Fixed Segment Options This endorsement establishes one or more “Fixed Segment Options” for your contract. The available Fixed Segment Options are shown on the Segment Contract Schedule. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Segment Value Segment Value The Segment Value for any Fixed Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Fixed Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Fixed Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Fixed Segment Option on this date; D is any amount transferred from this Fixed Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted on this date from this Fixed Segment Option. Segment Credits Segment Credits are credited to this Fixed Segment Option daily in a compounding fashion at an annual interest rate based on a 365-day year (the “Annual Interest Rate”). The initial Annual Interest Rate is shown on the Segment Contract Schedule and is guaranteed for the initial Segment Term Period only. At the end of the initial Segment Term Period and any subsequent Segment Term Periods, we will declare a renewal Annual Interest Rate. The initial Annual Interest Rate and any renewal Annual Interest Rate within the Withdrawal Charge Period are guaranteed not to be less than the Initial Minimum Guaranteed Interest Rate shown on the Segment Contract Schedule. Any renewal Annual Interest Rate declared after the Withdrawal Charge Period is guaranteed not to be less than the Minimum Guaranteed Interest Rate determined on each Fixed Segment Start Date in accordance with the following provision.

Fixed Strategy Endorsement Athene Annuity & Life Assurance Company of New York Fixed II (05/25) Page 2 Fixed II (05/25) NY Minimum Guaranteed Interest Rate The Minimum Guaranteed Interest Rate is calculated to be in compliance with NYSIL §4223 and will be subject to redetermination after the Contract Date. The Initial Minimum Guaranteed Interest Rate established on the Contract Date is shown on the Segment Contract Schedule and is guaranteed until the first Fixed Segment Start Date after the Withdrawal Charge Period. After the Withdrawal Charge Period, the Minimum Guaranteed Interest Rate will be redetermined on each Fixed Segment Start Date. The Minimum Guaranteed Interest Rate on each Fixed Segment Start Date after the end of the Withdrawal Charge Period will be equal to: (1) the average of all the daily reported five-year Constant Maturity Treasury Rates during the first month of the calendar quarter prior to the applicable Segment Start Date rounded to the nearest 1/20th of one percent (5 basis points); (2) reduced by 125 basis points; (3) but will never be less than 1.00% or greater than 3.00%. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Buffer II (05/25) NF Page 1 Buffer II (05/25) NF NY Buffer Strategy Endorsement General Endorsement Provisions Buffer Segment Options This endorsement establishes one or more “Buffer Segment Options” for your contract. Each Buffer Segment Option will have an Index, Segment Term Period, Cap Rate, Participation Rate, and Buffer Rate. The available Buffer Segment Options are shown on the Segment Contract Schedule. A Buffer Segment Option provides a Segment Credit Percentage equal to the Index Change, up to the Cap Rate and subject to the applicable Participation Rate, if the Index Change is positive. If the Index Change is zero, the Segment Credit Percentage is equal to zero. If the Index Change is negative, the Buffer Rate is the amount of negative Index Change that we absorb. For losses greater than the Buffer Rate, the Segment Credit Percentage is equal to the Index Change plus the Buffer Rate. Buffer Segment Options with a Segment Start Date after the last day of the Withdrawal Charge Period will be limited to one-year Segment Term Periods. Unless you instruct otherwise, the Segment Value of any two-year or three-year Buffer Segment Option expiring on or after the last day of the Withdrawal Charge Period will automatically transfer on its Segment End Date to its one-year counterpart, if available. Buffer Segment Options with a six-year Segment Term Period are available only during the first Contract Year. If you do not request a transfer of the Segment Value of an expiring Segment Option with a six-year Segment Term Period or withdraw the Segment Value, we will transfer the Segment Value to its one-year counterpart, if available. If a one-year counterpart is not available for an expiring Buffer Segment Option, that Segment Value will transfer to the Fixed Segment Option with the shortest Segment Term Period. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Index Price The Index Price for any date is the closing price of the Index on that date. The closing price of the Index is the price determined and published by the provider of the Index at the end of each Business Day. Any subsequent change in the reported price will not be reflected in the Index Price used to calculate Segment Credits for the applicable Buffer Segment Option. If the Index Price for a Buffer Segment Option is not available on any given day, then the Index Price as of the first preceding day in which the Index Price is available will be utilized. The value of an Index does not include dividends paid by the companies issuing the stocks comprising the Index. Cap Rate The Cap Rate is the maximum positive Index Change that may be used in the calculation of Segment Credits. The initial Cap Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Cap Rate determined by us will become effective on each Segment Start Date. The Cap Rate for each Buffer Segment Option is guaranteed to never be less than the Minimum Cap Rate shown on the Segment Contract Schedule.

Buffer Strategy Endorsement Athene Annuity & Life Assurance Company of New York Buffer II (05/25) NF Page 2 Buffer II (05/25) NF NY Participation Rate The Participation Rate is used in the calculation of Segment Credits. It is a percentage that is multiplied by any positive Index Change after the Cap Rate is applied. The initial Participation Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Participation Rate determined by us will be effective on each Segment Start Date. The Participation Rate for each Buffer Segment Option is guaranteed to never be less than the Minimum Participation Rate shown on the Segment Contract Schedule. Buffer Rate The Buffer Rate is the amount of negative Index Change that we will absorb when calculating Segment Credits. A negative Segment Credit will apply for any negative Index Change not fully offset by the Buffer Rate. The Buffer Rate for each Buffer Segment Option is shown on the Segment Contract Schedule and is guaranteed not to change. Segment Value Segment Value The Segment Value for any Buffer Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Buffer Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Buffer Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Buffer Segment Option on this date; D is any amount transferred from this Buffer Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted from this Buffer Segment Option on this date. Segment Credits Segment Credits, if any, will be calculated and added to a Buffer Segment Option only on a Segment End Date. On each Segment End Date, we will calculate the Index Change. The “Index Change” is equal to (A / B) - 1, where: A is the Index Price for the Segment End Date; and B is the Index Price for the Segment Start Date. The “Segment Credit Percentage” is the percentage multiplied by the Segment Value to determine the Segment Credit. If the Index Change is greater than or equal to zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of (1) and (2), where: (1) = Greater of zero and A x B; and (2) = Greater of zero and B x C; where A is the Index Change; B is the Participation Rate; and C is the Cap Rate.

Buffer Strategy Endorsement Athene Annuity & Life Assurance Company of New York Buffer II (05/25) NF Page 3 Buffer II (05/25) NF NY If the Index Change is less than zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of zero and (A + B), where: A is the Index Change; and B is the Buffer Rate. The amount of Segment Credits added to this Buffer Segment Option is equal to A x B, where: A is the Segment Value as of the previous day; and B is the Segment Credit Percentage. Equity Adjustment Equity Adjustment The Equity Adjustment is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. It is used in the calculation of the Segment Interim Value. Equity Adjustment Factor The Equity Adjustment Factor for Buffer Segment Options is equal to A - B x (1 - Y), where: A is the value of certain derivative instruments on the day we calculate the Segment Interim Value for the applicable Segment Option; B is the value of certain derivative instruments on the Segment Start Date for the applicable Segment Option; and Y is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. On each Business Day, we calculate the value of the derivative instruments for each Buffer Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services. You may obtain the Equity Adjustment Factor by contacting us at the Administrative Office phone number noted on the cover page of your contract. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Buffer Multi-Index Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Buffer MI II (05/25) NF Page 1 Buffer MI II (05/25) NF NY Buffer Multi-Index Strategy Endorsement General Endorsement Provisions Buffer Multi-Index Segment Options This endorsement establishes one or more “Buffer Multi-Index Segment Options” for your contract. Buffer Multi-Index Segment Options calculate an Aggregate Index Change based on three underlying Indices rather than an Index Change based on a single underlying Index. Each Buffer Multi-Index Segment Option will have Indices, Index Allocation Percentages, a Segment Term Period, a Cap Rate, a Participation Rate, and a Buffer Rate. The available Buffer Multi-Index Segment Options are shown on the Segment Contract Schedule. A Buffer Multi-Index Segment Option provides a Segment Credit Percentage equal to the Aggregate Index Change, up to the Cap Rate and subject to the applicable Participation Rate, if the Aggregate Index Change is positive. If the Aggregate Index Change is zero, the Segment Credit Percentage is equal to zero. If the Aggregate Index Change is negative, the Buffer Rate is the amount of negative Aggregate Index Change that we absorb. For losses greater than the Buffer Rate, the Segment Credit Percentage is equal to the Aggregate Index Change plus the Buffer Rate. Buffer Multi-Index Segment Options with a Segment Start Date after the last day of the Withdrawal Charge Period will be limited to one-year Segment Term Periods. Unless you instruct otherwise, the Segment Value of any two-year or three-year Buffer Multi-Index Segment Option expiring on or after the last day of the Withdrawal Charge Period will automatically transfer on its Segment End Date to its one-year counterpart, if available. Buffer Multi-Index Segment Options with a six-year Segment Term Period are available only during the first Contract Year. If you do not request a transfer of the Segment Value of an expiring Segment Option with a six-year Segment Term Period or withdraw the Segment Value, we will transfer the Segment Value to its one-year counterpart, if available. If a one-year counterpart is not available for an expiring Buffer Multi-Index Segment Option, that Segment Value will transfer to the Fixed Segment Option with the shortest Segment Term Period. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Index Price The Index Price for any date is the closing price of the Index on that date. The closing price of the Index is the price determined and published by the provider of the Index at the end of each Business Day. Any subsequent change in the reported price will not be reflected in the Index Price used to calculate Segment Credits for the applicable Buffer Multi-Index Segment Option. If the Index Price for a Buffer Multi-Index Segment Option is not available on any given day, then the Index Price as of the first preceding day in which the Index Price is available will be utilized. The value of an Index does not include dividends paid by the companies issuing the stocks comprising the Index.

Buffer Multi-Index Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Buffer MI II (05/25) NF Page 2 Buffer MI II (05/25) NF NY Cap Rate The Cap Rate is the maximum positive Aggregate Index Change that may be used in the calculation of Segment Credits. The initial Cap Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Cap Rate determined by us will become effective on each Segment Start Date. The Cap Rate for each Buffer Multi-Index Segment Option is guaranteed to never be less than the Minimum Cap Rate shown on the Segment Contract Schedule. Participation Rate The Participation Rate is used in the calculation of Segment Credits. It is a percentage that is multiplied by any positive Aggregate Index Change after the Cap Rate is applied. The initial Participation Rate is shown on the Segment Contract schedule and is guaranteed for the first Segment Term Period only. A new Participation Rate determined by us will be effective on each Segment Start Date. The Participation Rate for each Buffer Multi-Index Segment Option is guaranteed to never be less than the Minimum Participation Rate shown on the Segment Contract Schedule. Index Allocation Percentages The Index Allocation Percentage 1, Index Allocation Percentage 2, and Index Allocation Percentage 3 are used in the calculation of Segment Credits and the Equity Adjustment Factor. These Index Allocation Percentages are shown on the Segment Contract Schedule. They are guaranteed for the first Segment Term Period only. New Index Allocation Percentages determined by us will become effective on each Segment Start Date. The Index Allocation Percentages will never be less than 1% and their sum must equal 100%. Buffer Rate The Buffer Rate is the amount of negative Aggregate Index Change that we will absorb when calculating Segment Credits. A negative Segment Credit will apply for any negative Aggregate Index Change not fully offset by the Buffer Rate. The Buffer Rate for each Buffer Multi-Index Segment Option is shown on the Segment Contract Schedule and is guaranteed not to change. Segment Value Segment Value The Segment Value for any Buffer Multi-Index Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Buffer Multi-Index Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Buffer Multi-Index Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Buffer Multi-Index Segment Option on this date; D is any amount transferred from this Buffer Multi-Index Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted from this Buffer Multi-Index Segment Option on this date.

Buffer Multi-Index Strategy Endorsement Athene Annuity & Life Assurance Company of New York Buffer MI II (05/25) NF Page 3 Buffer MI II (05/25) NF NY Segment Credits Segment Credits, if any, will be calculated and added to a Buffer Multi-Index Segment Option only on a Segment End Date. On each Segment End Date, we will calculate the Index Change for each Index. The “Index Change” is equal to (A / B) - 1, where: A is the Index Price for the Segment End Date; and B is the Index Price for the Segment Start Date. The Index Change will be calculated for Index X, Index Y, and Index Z shown on the Segment Contract Schedule. Each Index Allocation Percentage will then be applied. The Index with the best performing Index Change will be multiplied by the Index Allocation Percentage 1. The Index with the second-best performing Index Change will be multiplied by the Index Allocation Percentage 2. The Index with the third best performing Index Change will be multiplied by the Index Allocation Percentage 3. The resulting “Aggregate Index Change” will equal: (Index Allocation Percentage 1 x Index Change for best performing Index) + (Index Allocation Percentage 2 x Index Change for second best performing Index) + (Index Allocation Percentage 3 x Index Change for third best performing Index). The “Segment Credit Percentage” is the percentage multiplied by the Segment Value to determine the Segment Credit. If the Aggregate Index Change is greater than or equal to zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of (1) and (2), where: (1) = Greater of zero and A x B; and (2) = Greater of zero and B x C; where A is the Aggregate Index Change; B is the Participation Rate; and C is the Cap Rate. If the Aggregate Index Change is less than zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of zero and (A + B), where: A is the Aggregate Index Change; and B is the Buffer Rate. The amount of Segment Credits added to this Buffer Multi-Index Segment Option is equal to A x B, where: A is the Segment Value as of the previous day; and B is the Segment Credit Percentage. Equity Adjustment Equity Adjustment The Equity Adjustment is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. It is used in the calculation of the Segment Interim Value.

Buffer Multi-Index Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Buffer MI II (05/25) NF Page 4 Buffer MI II (05/25) NF NY Equity Adjustment Factor The Equity Adjustment Factor for Buffer Multi-Index Segment Options is equal to A - B x (1 - Y), where: A is the value of certain derivative instruments on the day we calculate the Segment Interim Value for the applicable Segment Option; B is the value of certain derivative instruments on the Segment Start Date for the applicable Segment Option; and Y is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. The value of certain derivative instruments for each of the underlying Indices is calculated independently and then weighted to determine A and B in the Equity Adjustment Factor above. Weights are assigned based on the relative value of the derivative instruments across the underlying Indices to produce an aggregate derivative instrument value for the Buffer Multi-Index Segment Option. The weights are assigned as follows: • Index Allocation Percentage 1 is assigned to the Index with the highest value of derivative instruments on the date in question. • Index Allocation Percentage 2 is assigned to the Index with the second highest value of derivative instruments on the date in question. • Index Allocation Percentage 3 is assigned to the Index with the lowest value of derivative instruments on the date in question. On each Business Day, we calculate the value of the derivative instruments for each Buffer Multi-Index Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services. You may obtain the Equity Adjustment Factor by contacting us at the Administrative Office phone number noted on the cover page of your contract. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Dual Direction Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Dual Direction II (05/25) NF Page 1 Dual Direction II (05/25) NF NY Dual Direction Buffer Strategy Endorsement General Endorsement Provisions Dual Direction Segment Options This endorsement establishes one or more “Dual Direction Segment Options” for your contract. Each Dual Direction Segment Option will have an Index, Segment Term Period, Cap Rate, Participation Rate, Downside Participation Rate, and Buffer Rate. The available Dual Direction Segment Options are shown on the Segment Contract Schedule. A Dual Direction Segment Option provides a Segment Credit Percentage equal to the Index Change, up to the Cap Rate and subject to the applicable Participation Rate, if the Index Change is positive. If the Index Change is zero, the Segment Credit Percentage is equal to zero. If the Index Change is negative but fully offset by the Buffer Rate, it provides a Segment Credit Percentage equal to the absolute value of the Index Change subject to a Downside Participation Rate. For losses greater than the Buffer Rate, the Segment Credit Percentage is equal to the Index Change plus the Buffer Rate. Dual Direction Segment Options with a Segment Start Date after the last day of the Withdrawal Charge Period will be limited to one-year Segment Term Periods. Unless you instruct otherwise, the Segment Value of any two-year or three-year Dual Direction Segment Option expiring on or after the last day of the Withdrawal Charge Period will automatically transfer on its Segment End Date to its one-year counterpart, if available. Dual Direction Segment Options with a six-year Segment Term Period are available only during the first Contract Year. If you do not request a transfer of the Segment Value of an expiring Segment Option with a six-year Segment Term Period or withdraw the Segment Value, we will transfer the Segment Value to its one- year counterpart, if available. If a one-year counterpart is not available for an expiring Dual Direction Segment Option, that Segment Value will transfer to the Fixed Segment Option with the shortest Segment Term Period. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Index Price The Index Price for any date is the closing price of the Index on that date. The closing price of the Index is the price determined and published by the provider of the Index at the end of each Business Day. Any subsequent change in the reported price will not be reflected in the Index Price used to calculate Segment Credits for the applicable Dual Direction Segment Option. If the Index Price for a Dual Direction Segment Option is not available on any given day, then the Index Price as of the first preceding day in which the Index Price is available will be utilized. The value of an Index does not include dividends paid by the companies issuing the stocks comprising the Index.

Dual Direction Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Dual Direction II (05/25) NF Page 2 Dual Direction II (05/25) NF NY Cap Rate The Cap Rate is the maximum positive Index Change that may be used in the calculation of Segment Credits. The initial Cap Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Cap Rate determined by us will become effective on each Segment Start Date. The Cap Rate for each Dual Direction Segment Option is guaranteed to never be less than the Minimum Cap Rate shown on the Segment Contract Schedule. Participation Rate The Participation Rate is used in the calculation of Segment Credits. It is a percentage that is multiplied by any positive Index Change after the Cap Rate is applied. The initial Participation Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Participation Rate determined by us will be effective on each Segment Start Date. The Participation Rate for each Dual Direction Segment Option is guaranteed to never be less than the Minimum Participation Rate shown on the Segment Contract Schedule. Downside Participation Rate The Downside Participation Rate is used in the calculation of Segment Credits. It is a percentage that is multiplied by the absolute value of the Index Change if the Index Change is negative but fully offset by the Buffer Rate. The initial Downside Participation Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Downside Participation Rate determined by us will be effective on each Segment Start Date. The Downside Participation Rate for each Dual Direction Segment Option is guaranteed to never be less than the Minimum Downside Participation Rate shown on the Segment Contract Schedule. Buffer Rate The Buffer Rate is the amount of negative Index Change that we will absorb when calculating Segment Credits. A negative Segment Credit will apply for any negative Index Change not fully offset by the Buffer Rate. The Buffer Rate for each Dual Direction Segment Option is shown on the Segment Contract Schedule and is guaranteed not to change. Segment Value Segment Value The Segment Value for any Dual Direction Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Dual Direction Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Dual Direction Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Dual Direction Segment Option on this date; D is any amount transferred from this Dual Direction Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted from this Dual Direction Segment Option on this date.

Dual Direction Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Dual Direction II (05/25) NF Page 3 Dual Direction II (05/25) NF NY Segment Credits Segment Credits, if any, will be calculated and added to a Dual Direction Segment Option only on a Segment End Date. On each Segment End Date, we will calculate the Index Change. The “Index Change” is equal to (A / B) - 1, where: A is the Index Price for the Segment End Date; and B is the Index Price for the Segment Start Date. The “Segment Credit Percentage” is the percentage multiplied by the Segment Value to determine the Segment Credit. If the Index Change is greater than or equal to zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of (1) and (2), where: (1) = Greater of zero and A x B; and (2) = Greater of zero and B x C; where A is the Index Change; B is the Participation Rate; and C is the Cap Rate. If the Index Change is negative but fully offset by the Buffer Rate, then the Segment Credit Percentage on the Segment End Date will be equal to A x B, where: A is the absolute value of the Index Change; and B is the Downside Participation Rate. If the Index Change is negative and not fully offset by the Buffer Rate, then the Segment Credit Percentage on the Segment End Date will be equal to (A + B), where: A is the Index Change; and B is the Buffer Rate. The amount of Segment Credits added to this Dual Direction Segment Option is equal to A x B, where: A is the Segment Value as of the previous day; and B is the Segment Credit Percentage. Equity Adjustment Equity Adjustment The Equity Adjustment is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. It is used in the calculation of the Segment Interim Value. Equity Adjustment Factor The Equity Adjustment Factor for Dual Direction Segment Options is equal to A - B x (1 - Y), where: A is the value of certain derivative instruments on the day we calculate the Segment Interim Value for the applicable Segment Option;

Dual Direction Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Dual Direction II (05/25) NF Page 4 Dual Direction II (05/25) NF NY B is the value of certain derivative instruments on the Segment Start Date for the applicable Segment Option; and Y is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. On each Business Day, we calculate the value of the derivative instruments for each Dual Direction Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services. You may obtain the Equity Adjustment Factor by contacting us at the Administrative Office phone number noted on the cover page of your contract. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Trigger Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Trigger II (05/25) NF Page 1 Trigger II (05/25) NF NY Trigger Buffer Strategy Endorsement General Endorsement Provisions Trigger Segment Options This endorsement establishes one or more “Trigger Segment Options” for your contract. Each Trigger Segment Option will have an Index, Segment Term Period, Trigger Rate, and Buffer Rate. The available Trigger Segment Options are shown on the Segment Contract Schedule. A Trigger Segment Option provides a Segment Credit Percentage equal to the Trigger Rate if the Index Change is positive or equal to zero. If the Index Change is negative, the Buffer Rate is the amount of negative Index Change that we absorb. For losses greater than the Buffer Rate, the Segment Credit Percentage is equal to the Index Change plus the Buffer Rate. Trigger Segment Options with a Segment Start Date after the last day of the Withdrawal Charge Period will be limited to one-year Segment Term Periods. Unless you instruct otherwise, the Segment Value of any two- year or three-year Trigger Segment Option expiring on or after the last day of the Withdrawal Charge Period will automatically transfer on its Segment End Date to its one-year counterpart, if available. Trigger Segment Options with a six-year Segment Term Period are available only during the first Contract Year. If you do not request a transfer of the Segment Value of an expiring Segment Option with a six-year Segment Term Period or withdraw the Segment Value, we will transfer the Segment Value to its one-year counterpart, if available. If a one-year counterpart is not available for an expiring Trigger Segment Option, that Segment Value will transfer to the Fixed Segment Option with the shortest Segment Term Period. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Index Price The Index Price for any date is the closing price of the Index on that date. The closing price of the Index is the price determined and published by the provider of the Index at the end of each Business Day. Any subsequent change in the reported price will not be reflected in the Index Price used to calculate Segment Credits for the applicable Trigger Segment Option. If the Index Price for a Trigger Segment Option is not available on any given day, then the Index Price as of the first preceding day in which the Index Price is available will be utilized. The value of an Index does not include dividends paid by the companies issuing the stocks comprising the Index. Trigger Rate The Trigger Rate is the rate used in the calculation of the Segment Credit if the Index Change is greater than or equal to zero. The initial Trigger Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Trigger Rate determined by us will become effective on each Segment Start Date. The Trigger Rate for each Trigger Segment Option is guaranteed to never be less than the Minimum Trigger Rate shown on the Segment Contract Schedule.

Trigger Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Trigger II (05/25) NF Page 2 Trigger II (05/25) NF NY Buffer Rate The Buffer Rate is the amount of negative Index Change that we will absorb when calculating Segment Credits. A negative Segment Credit will apply for any negative Index Change not fully offset by the Buffer Rate. The Buffer Rate for each Trigger Segment Option is shown on the Segment Contract Schedule and is guaranteed not to change. Segment Value Segment Value The Segment Value for any Trigger Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Trigger Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Trigger Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Trigger Segment Option on this date; D is any amount transferred from this Trigger Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted from this Trigger Segment Option on this date. Segment Credits Segment Credits, if any, will be calculated and added to a Trigger Segment Option only on a Segment End Date. On each Segment End Date, we will calculate the Index Change. The “Index Change” is equal to (A / B) - 1, where: A is the Index Price for the Segment End Date; and B is the Index Price for the Segment Start Date. The “Segment Credit Percentage” is the percentage multiplied by the Segment Value to determine the Segment Credit. If the Index Change is greater than or equal to zero, then the Segment Credit Percentage on the Segment End Date will be equal to the Trigger Rate. If the Index Change is less than zero, then the Segment Credit Percentage on the Segment End Date will be equal to the lesser of zero and (A + B), where: A is the Index Change; and B is the Buffer Rate. The amount of Segment Credits added to this Trigger Segment Option is equal to A x B, where: A is the Segment Value as of the previous day; and B is the Segment Credit Percentage.

Trigger Buffer Strategy Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Trigger II (05/25) NF Page 3 Trigger II (05/25) NF NY Equity Adjustment Equity Adjustment The Equity Adjustment is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. It is used in the calculation of the Segment Interim Value. Equity Adjustment Factor The Equity Adjustment Factor for Trigger Segment Options is equal to A - B x (1 - Y), where: A is the value of certain derivative instruments on the day we calculate the Segment Interim Value for the applicable Segment Option; B is the value of certain derivative instruments on the Segment Start Date for the applicable Segment Option; and Y is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. On each Business Day, we calculate the value of the derivative instruments for each Trigger Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services. You may obtain the Equity Adjustment Factor by contacting us at the Administrative Office phone number noted on the cover page of your contract. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Dual Trigger Buffer Strategy Endorsement Athene Annuity & Life Assurance Company of New York Dual Trigger II (05/25) NF Page 1 Dual Trigger II (05/25) NF NY Dual Trigger Buffer Strategy Endorsement General Endorsement Provisions Dual Trigger Segment Options This endorsement establishes one or more “Dual Trigger Segment Options” for your contract. Each Dual Trigger Segment Option will have an Index, Segment Term Period, Trigger Rate, and Buffer Rate. The available Dual Trigger Segment Options are shown on the Segment Contract Schedule. A Dual Trigger Segment Option provides a Segment Credit Percentage equal to the Trigger Rate if the Index Change is positive, zero, or negative but fully offset by the Buffer Rate. If the Index Change is negative and not fully offset by the Buffer Rate, the Segment Credit Percentage is equal to the Index Change plus the Buffer Rate. Dual Trigger Segment Options with a Segment Start Date after the last day of the Withdrawal Charge Period will be limited to one-year Segment Term Periods. Unless you instruct otherwise, the Segment Value of any two-year or three-year Dual Trigger Segment Option expiring on or after the last day of the Withdrawal Charge Period will automatically transfer on its Segment End Date to its one-year counterpart, if available. Dual Trigger Segment Options with a six-year Segment Term Period are available only during the first Contract Year. If you do not request a transfer of the Segment Value of an expiring Segment Option with a six-year Segment Term Period or withdraw the Segment Value, we will transfer the Segment Value to its one-year counterpart, if available. If a one-year counterpart is not available for an expiring Dual Trigger Segment Option, that Segment Value will transfer to the Fixed Segment Option with the shortest Segment Term Period. Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Index Price The Index Price for any date is the closing price of the Index on that date. The closing price of the Index is the price determined and published by the provider of the Index at the end of each Business Day. Any subsequent change in the reported price will not be reflected in the Index Price used to calculate Segment Credits for the applicable Dual Trigger Segment Option. If the Index Price for a Dual Trigger Segment Option is not available on any given day, then the Index Price as of the first preceding day in which the Index Price is available will be utilized. The value of an Index does not include dividends paid by the companies issuing the stocks comprising the Index. Trigger Rate The Trigger Rate is the rate used in the calculation of the Segment Credit if the Index Change is positive, zero, or negative but fully offset by the Buffer Rate. The initial Trigger Rate is shown on the Segment Contract Schedule and is guaranteed for the first Segment Term Period only. A new Trigger Rate determined by us will become effective on each Segment Start Date. The Trigger Rate for each Dual Trigger Segment Option is guaranteed to never be less than the Minimum Trigger Rate shown on the Segment Contract Schedule.

Dual Trigger Buffer Strategy Endorsement Athene Annuity & Life Assurance Company of New York Dual Trigger II (05/25) NF Page 2 Dual Trigger II (05/25) NF NY Buffer Rate The Buffer Rate is the amount of negative Index Change that we will absorb when calculating Segment Credits. A negative Segment Credit will apply for any negative Index Change not fully offset by the Buffer Rate. The Buffer Rate for each Dual Trigger Segment Option is shown on the Segment Contract Schedule and is guaranteed not to change. Segment Value Segment Value The Segment Value for any Dual Trigger Segment Option on the Initial Segment Start Date is the amount of the Holding Account allocated to that Segment Option. On any other date, the Segment Value for any Dual Trigger Segment Option is equal to A + B + C – D – E, where: A is the Segment Value as of the previous day; B is the amount of Segment Credits that are credited to this Dual Trigger Segment Option on this date; C is any amount transferred from your contract’s other Segment Options to this Dual Trigger Segment Option on this date; D is any amount transferred from this Dual Trigger Segment Option to your contract’s other Segment Options on this date; and E is any Withdrawals deducted from this Dual Trigger Segment Option on this date. Segment Credits Segment Credits, if any, will be calculated and added to a Dual Trigger Segment Option only on a Segment End Date. On each Segment End Date, we will calculate the Index Change. The “Index Change” is equal to (A / B) - 1, where: A is the Index Price for the Segment End Date; and B is the Index Price for the Segment Start Date. The “Segment Credit Percentage” is the percentage multiplied by the Segment Value to determine the Segment Credit. If the Index Change is positive, zero, or negative but fully offset by the Buffer Rate, then the Segment Credit Percentage on the Segment End Date will be equal to the Trigger Rate. If the Index Change is negative and not fully offset by the Buffer Rate, then the Segment Credit Percentage on the Segment End Date will be equal to (A + B), where: A is the Index Change; and B is the Buffer Rate. The amount of Segment Credits added to this Dual Trigger Segment Option is equal to A x B, where: A is the Segment Value as of the previous day; and B is the Segment Credit Percentage.

Dual Trigger Buffer Strategy Endorsement Athene Annuity & Life Assurance Company of New York Dual Trigger II (05/25) NF Page 3 Dual Trigger II (05/25) NF NY Equity Adjustment Equity Adjustment The Equity Adjustment is a positive or negative adjustment that approximates the change in the market value of the derivative instruments purchased in support of the contract. It is used in the calculation of the Segment Interim Value. Equity Adjustment Factor The Equity Adjustment Factor for Dual Trigger Segment Options is equal to A - B x (1 - Y), where: A is the value of certain derivative instruments on the day we calculate the Segment Interim Value for the applicable Segment Option; B is the value of certain derivative instruments on the Segment Start Date for the applicable Segment Option; and Y is the number of days elapsed from the Segment Start Date to the day we calculate the Segment Interim Value, divided by the number of days in the Segment Term Period. On each Business Day, we calculate the value of the derivative instruments for each Dual Trigger Segment Option based on the estimated market value of a set of put and call options as determined by an option pricing formula. Our method of estimating the current value of the derivative instruments is on file with the New York Department of Financial Services. You may obtain the Equity Adjustment Factor by contacting us at the Administrative Office phone number noted on the cover page of your contract. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Guaranteed Minimum Death Benefit Endorsement Athene Annuity & Life Assurance Company of New York GMDB II (05/25) NF Page 1 GMDB II (05/25) NF NY Guaranteed Minimum Death Benefit Endorsement Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract. To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Death Benefit If the amount of the Death Benefit provided under your contract is less than the Return of Premium Benefit, then the amount of the Death Benefit will be increased to equal the Return of Premium Benefit. Return of Premium Benefit The “Return of Premium Benefit” is equal to A – B, where: A is the Purchase Payment; and B is the sum of net proceeds from all prior Withdrawals. Net proceeds from prior Withdrawals are equal to the Contract Value withdrawn after the application of Withdrawal Charges, Interest Adjustments, and Equity Adjustments. Death of Owner This endorsement and all its provisions will terminate upon the date of death of the Owner (or the Annuitant if the Owner is not a natural person) except as provided in the Spousal Continuation section of this endorsement. Spousal Continuation If the surviving spouse of the deceased Owner (or the deceased Annuitant if the Owner is not a natural person) is the Beneficiary and elects to continue your contract as provided for in the “Death of an Owner prior to the Annuity Date” provision of your contract, this endorsement and all its provisions will also continue if the surviving spouse becomes the sole Annuitant and sole Owner of your contract. Termination The Owner may not elect to terminate this endorsement once it is effective. This endorsement will terminate upon the earliest of the following dates: (1) the date on which we pay the Death Benefit; (2) the date on which your contract is surrendered for its Cash Surrender Value; (3) the date the Withdrawal Charge Period ends; (4) the date the Owner changes or an additional Owner is added after the Contract Date, unless the contract is continued by the surviving spouse in accordance with this endorsement; and

Guaranteed Minimum Death Benefit Endorsement Athene Annuity & Life Assurance Company of New York GMDB II (05/25) NF Page 2 GMDB II (05/25) NF NY (5) the date when the Owner is a non-natural person and the Annuitant changes or an additional Annuitant is added after the Contract Date, unless the contract is continued by the surviving spouse in accordance with this endorsement. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇

Performance Lock Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Performance Lock II (05/25) Page 1 Performance Lock II (05/25) NY Performance Lock Endorsement Data Section Minimum Performance Lock Notification Period [2] Business Days prior to a Segment End Date General Endorsement Provisions Part of the Contract This endorsement is attached to and made part of your contract and is subject to all terms and conditions of your contract. Any capitalized terms not defined in this endorsement are defined in the contract (including the Strategy Endorsements). To the extent there are any conflicts between this endorsement and your contract, this endorsement will control. The effective date of this endorsement is the Contract Date. Definitions Performance Lock: The Performance Lock allows you to capture the Performance Lock Value during the Segment Term Period of an Index-Linked Segment Option per the terms of this endorsement. Performance Lock Value: The Performance Lock Value for an Index-Linked Segment Option on any Business Day during a Segment Term Period other than the Segment Start Date and Segment End Date is equal to the Segment Value plus the Equity Adjustment. Both the Segment Value and the Equity Adjustment used will be based on values as of the end of that Business Day after all other transactions have been recorded. There is no Performance Lock Value for Fixed Segment Options. Performance Lock Date: The Performance Lock Date is the Business Day on which a valid Performance Lock request is received by us. Benefit A Performance Lock may be exercised for any of the Index-Linked Segment Options which has a positive Segment Value. A Performance Lock may be exercised at different times for each Indexed-Linked Segment Option during their respective Segment Term Periods (other than on a Segment Start Date or Segment End Date). A Performance Lock may not be applied retroactively and can only be exercised for the entire Segment Value. Partial Performance Locks of the Segment Value are not permitted. You may only exercise a Performance Lock once per Segment Term Period for each Index-Linked Segment Option. We reserve the right to limit the availability of the Performance Lock feature for certain Index-Linked Segment Options. The availability of the Performance Lock feature on each Index-Linked Segment Option is specified on the Segment Contract Schedule. Once you exercise a Performance Lock for a given Index-Linked Segment Option, it is irrevocable for that Segment Term Period. After the end of that Segment Term Period, you may choose to exercise a Performance Lock again during the next Segment Term Period if that Index-Linked Segment Option is still available and has a positive Segment Value.

Performance Lock Endorsement ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ & Life Assurance Company of New York Performance Lock II (05/25) Page 2 Performance Lock II (05/25) NY We will use the Performance Lock Value at the end of the Business Day on which we receive your request to exercise a Performance Lock in accordance with our requirements. If we receive a valid request on a non- Business Day or after close of a Business Day, the request will be deemed to be received on the next Business Day. Performance Lock requests will be permitted up to the Minimum Performance Lock Notification Period (shown in the Data Section). When a Performance Lock is exercised, the locked Index-Linked Segment Option will not receive a Segment Credit on the Segment End Date. Instead, the Performance Lock Value for that Segment Option will be transferred on the Performance Lock Date to the one-year Fixed Segment Option. The transferred amount will remain in that Fixed Segment Option until the end of the current one-year Segment Term Period and cannot be re-allocated to Index-Linked Segment Options until that time. Unless you instruct otherwise, the Segment Value in that Fixed Segment Option will be re-allocated at the next Segment End Date proportionately to each Index-Linked Segment Option for which a Performance Lock was exercised based on the following formula: A x (B / (C + D)), where: A is the one-year Fixed Segment Option Segment Value on the Segment End Date; B is the Performance Lock Value for a given Index-Linked Segment Option on its Performance Lock Date; C is the existing one-year Fixed Segment Option Segment Value on the first Performance Lock Date during the current Segment Term Period (before the transfer of the Performance Lock Value); and D is the sum of the Performance Lock Values for each Index-Linked Segment Option that exercised a Performance Lock during the current Segment Term Period. At the next one-year Fixed Segment Option Segment End Date following a Performance Lock, the resulting amount from this formula will be transferred to the same Index-Linked Segment Option for which the Performance Lock was exercised if the same Index-Linked Segment Option is available. If a Performance Lock was exercised for a two-year, three-year, or six-year Segment Option that is no longer available, the resulting amount from this formula will be transferred to that Segment Option’s one-year counterpart. If a one- year counterpart is not available, the resulting amount from this formula will remain in the one-year Fixed Segment Option unless you instruct otherwise. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ Secretary /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇