Common use of Regular Clause in Contracts

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 5 Years $ $ End of the Year You Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA will be dependent solely upon the performance of any investment instrument used to fund your IRA. Therefore, no projection of the growth of your IRA can reasonably be shown or guaranteed. Terms and conditions of the IRA that affect your investment are listed below. INVESTMENT OPTIONS Your IRA will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA investments. These fees and charges may include the following. • Sales Commissions • Investment Management Fees • Distribution Fees • Set Up Fees • Annual Maintenance Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or contract. There may be certain fees and charges connected with the IRA itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) We reserve the right to change any of the above fees after notice to you, as provided in your IRA agreement.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA XXX Program Total Accumulation of IRA XXX Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 4 Years $ $ 5 Years $ $ End of the Total Amount Year You Accumulation After Fees Reach Age Total Accumulation of IRA XXX Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA XXX will be dependent solely upon the performance of any investment instrument used to fund your IRAXXX. Therefore, no projection of the growth of your IRA XXX can reasonably be shown or guaranteed. Terms and conditions of the IRA XXX that affect your investment are listed below. INVESTMENT OPTIONS Your IRA XXX will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA XXX investments. These fees and charges may include the following. • Sales Commissions • Investment Management Fees • Distribution Fees • Set Up Fees • Annual Maintenance Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or contract. There may be certain fees and charges connected with the IRA XXX itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) We reserve the right to change any of the above fees after notice to you, as provided in your IRA XXX agreement.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 4 Years $ $ 5 Years $ $ End of the Total Amount Year You Accumulation After Fees Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA will be dependent solely upon the performance of any investment instrument used to fund your IRA. Therefore, no projection of the growth of your IRA can reasonably be shown or guaranteed. Terms and conditions of the IRA that affect your investment are listed below. INVESTMENT OPTIONS Your IRA will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA investments. These fees and charges may include the following. • Sales Commissions • Investment Management Fees • Distribution Fees • Set Up Fees • Annual Maintenance Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or contract. There may be certain fees and charges connected with the IRA itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) We reserve the right to change any of the above fees after notice to you, as provided in your IRA agreement.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 5 Years $ $ End of the Year You Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA will be dependent solely upon the performance of any investment instrument used to fund your IRA. Therefore, no projection of the growth of your IRA can reasonably be shown or guaranteed. Terms and conditions of the IRA that affect your investment are listed below. INVESTMENT OPTIONS Your IRA will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA investments. These fees and charges may include the following. • Sales Commissions • Set Up Fees • Investment Management Fees • Distribution Annual Maintenance Fees • Set Up Fees • Annual Maintenance Distribution Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year 2 Years 3 Years 4 Years 5 Years $ $ $ $ $ $ $ $ $ $ End of the Year You Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 65 70 $ $ $ $ $ $ contract. There may be certain fees and charges connected with the IRA itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) We reserve the right to change any of the above fees after notice to you, as provided in your IRA agreement. ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year $ $ 2 Years 3 Years 4 Years 5 Years $ $ 5 Years $ $ $ $ $ $ $ $ End of the Year You Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 65 70 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA will be dependent solely upon the performance of any investment instrument used to fund your IRA. Therefore, no projection of the growth of your IRA can reasonably be shown or guaranteed. Terms and conditions of the IRA that affect your investment are listed below. INVESTMENT OPTIONS Your IRA will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA investments. These fees and charges may include the following. • Sales Commissions • Investment Management Fees • Distribution Fees • Set Up Fees • Annual Maintenance Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or contract. There may be certain fees and charges connected with the IRA itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) Contact Shareholder Services for fee charges. We reserve the right to change any of the above fees after notice to you, as provided in your IRA agreement.

Regular. An annual $1,000 deposit is made on the first day of each year. Rollover, Transfer, or Conversion.* A one-time $1,000 deposit is made on the first day of the first year. Your Age on Your Birth Date in Contribution Year Investment Instrument Length of Time Deposit Rate of Interest % Compounding Method FINANCIAL PROJECTIONS Number of Years in IRA Program Total Accumulation of IRA Dollars Amount After Fees and Penalties 1 Year $ $ 3 Years $ $ 4 Years $ $ 5 Years $ $ End of the Total Amount Year You Accumulation After Fees Reach Age Total Accumulation of IRA Dollars Amount After Fees and Penalties 60 $ $ 65 $ $ 70 $ $ ADDITIONAL FINANCIAL DISCLOSURE INFORMATION The account values shown are projections based on many assumptions. These projections have been reduced by any applicable fees. They are not guaranteed, but depend upon many factors, including the interest rates and terms of future funding instruments. We may charge you an annual service fee or other fees in connection with your IRA. If we do not charge these fees now, we may do so in the future after giving you notice. If you do not pay these fees separately, they may be paid from the assets of your IRA. CURRENT FEES $ $ $ $ $ $ *Conversion applies to Xxxx IRAs only METHOD III Growth cannot be projected The value of your IRA will be dependent solely upon the performance of any investment instrument used to fund your IRA. Therefore, no projection of the growth of your IRA can reasonably be shown or guaranteed. Terms and conditions of the IRA that affect your investment are listed below. INVESTMENT OPTIONS Your IRA will be invested in products that we offer directly or those we offer through a relationship with a registered securities broker-dealer. FEES There are certain fees and charges connected with your IRA investments. These fees and charges may include the following. • Sales Commissions • Investment Management Fees • Distribution Fees • Set Up Fees • Annual Maintenance Fees • Surrender or Termination Fees To find out what fees apply, refer to the investment prospectus or contract. There may be certain fees and charges connected with the IRA itself. (Select and complete as applicable.) Annual Service Fee $ Transfer Fee $ Rollover Fee $ Termination Fee $ Other (Explain) We reserve the right to change any of the above fees after notice to you, as provided in your IRA agreement.