# EDGAR Filing Document

**Accession Number:** 0001164384
**File Stem:** 0001398344-26-007645
**Filing Date:** 2026-4
**Character Count:** 41668
**Document Hash:** e0a2ddcb0d0cd32d58f5c723c1f0cae9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-26-007645.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001398344-26-007645

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NATIONAL SECURITY VARIABLE ACCOUNT N
- **CENTRAL INDEX KEY:** 0001164384

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-164068
- **FILM NUMBER:** 26914881

**BUSINESS ADDRESS:**
- **STREET 1:** 1166 AVENUE OF THE AMERICAS
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 513-794-6278

**MAIL ADDRESS:**
- **STREET 1:** ONE FINANCIAL WAY
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45242

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NATIONAL SECURITY LIFE & ANNUITY CO VARIABLE ACCOUNT N
- **DATE OF NAME CHANGE:** 20020503

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NATIONAL SECURITY LIFE & ANNUITY CO VARIABLE ACCOUNT A
- **DATE OF NAME CHANGE:** 20020103

## Series and Classes Contracts Data

### NATIONAL SECURITY VARIABLE ACCOUNT N (Series ID: S000007993)

| Class ID   | Class Name      | Ticker Symbol   |
|:---|:---|:---|
| C000085690 | NScore Lite III |  |

**NOTICE DOCUMENT** 

**NSCORE LITE III VARIABLE ANNUITY**

**Issued by**

**NATIONAL SECURITY LIFE AND ANNUITY COMPANY** <br>**through** <br>**NATIONAL SECURITY VARIABLE ACCOUNT N**

**May 1, 2026**

This Notice Document summarizes certain key features of NScore Lite III, an individual, flexible premium variable annuity contract. The contract is issued by National Security Life and Annuity Company. The Notice Document also provides a summary of contract features that have changed since April 30, 2025.

You can find other information about the NScore Lite III contract online at nslac.com/variableproducts. You can also obtain this information at no cost by calling 877.446.6020 or by sending an email request to NSCustService@nslac.com.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**<u>**TABLE OF CONTENTS**</u>** 

---

| | |
|:---|:---|
| [Glossary](#xx_2bf14070-ce1c-445a-a0eb-98504a835ec0_1) | 2  |
| [Summary of Contract Features That Have Changed](#xx_2a836fe2-3ac8-4e32-8911-d26886cdcbbc_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_59a0295d-250d-4830-89b7-27e59f259e27_1) | 4  |
| [Appendix A - Funds Available Under the Contract](#xx_98622790-be6c-45f0-a498-62f97c44923a_1) | 7 |

---

**Form 8565-UN-NSLAC**

<sup>1</sup>

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**<u>Glossary</u>**

**Contract Value** – Contract Value is determined by multiplying the total number of units (for each subaccount) credited to the contract by the unit value (for such subaccount) for the current valuation period and adding to that any amount in the Fixed Accumulation Account or a DCA account. <br>**DCA** – Dollar cost averaging. <br>**Enhanced DCA Account** – An account available for purchase payments, subject to certain limitations, that provides a fixed interest rate that is higher than the rate being credited to the Fidelity<sup>®</sup> VIP Government Money Market Portfolio. <br>**Fixed Accumulation Account** - A subset of our general account that guarantees a fixed return for a specified period of time and guarantees the principal against loss. <br>**Fund** - A mutual fund in which subaccount assets may be invested. See Appendix A.

**National Security** – National Security Life and Annuity Company, the depositor of the contract. <br>**Subaccount** – A subdivision of VAN. The assets of each subaccount are invested in a corresponding available Fund. <br>**Surrender** – To redeem the contract before annuity payments begin and receive its value minus any applicable surrender charge or other charges. <br>**Valuation Period** – The period of time from one determination of variable subaccount unit and annuity unit values to their next determination. A valuation period usually ends at 4:00 p.m. Eastern time on each day the New York Stock Exchange is open for unrestricted trading. The valuation period may end sooner to correspond to earlier closing of the New York Stock Exchange. Accumulation unit and annuity unit values for each annuity period are determined at the end of that valuation period.

**VAN** – National Security Variable Account N, a separate account of National Security consisting of assets segregated from National Security's general assets for the purpose of funding annuity contracts whose values vary with the investment results of the separate account's underlying Funds. <br>**We, Us, Our** – We, us and our refer to National Security. <br>**You** – You means the owner(s) of the contract or the last surviving owner's estate if all owners are deceased.

**Form 8565-UN-NSLAC**

<sup>2</sup>

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**<u>Summary of Contract Features That Have Changed</u>**

The information in this Notice Document is a summary of certain contract features that have changed since April 30, 2025. This may not reflect all of the changes that have occurred since you entered into your contract.

**Fee Changes**

The following shows the minimum and maximum total operating expenses deducted from the assets of the Funds

(before any fee waiver or expense reimbursement):

---

| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |
| Investment options<br> (Fund fees and expenses)<br>| 0.35% | 3.38% |

---

**Fund Changes**

On October 10, 2025, the following fund substitutions took place.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Lazard Retirement US Small Cap Equity Select Portfolio, AB VPS Small Cap Growth Portfolio, Royce Small-Cap Portfolio, and Royce Micro-Cap Portfolio were replaced by AVIP AB Small Cap Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;•Janus Henderson Flexible Bond Portfolio was replaced by AVIP Bond Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;•Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio was replaced with AVIP AB Mid Cap Core Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;•Goldman Sachs U.S. Equity Insights Fund was replaced with AVIP S&P 500® Index Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;•Fidelity® VIP Growth Portfolio was replaced with AVIP Fidelity Institutional AM® Equity Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Franklin VolSmart Allocation VIP Fund, Goldman Sachs Trend Driven Allocation Fund, and Lazard Retirement Global Dynamic Multi-Asset Portfolio were replaced with AVIP Constellation Dynamic Risk Balanced Portfolio.

On October 10, 2025, AVIP AB Relative Value Portfolio was added as an investment option.

On October 17, 2025, the following fund substitutions took place.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Fidelity® VIP Target Volatility Portfolio and AB VPS Global Risk Allocation-Moderate Portfolio were replaced with AVIP Constellation Managed Risk Moderate Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;•AB VPS Relative Value Portfolio was replaced with AVIP AB Relative Value Portfolio.

Effective December 5, 2025, the following fund changes took place.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•AVIP Federated Core Plus Bond Portfolio was renamed to AVIP Core Plus Bond Portfolio. Federated Investment Management Company was removed as subadviser.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•AVIP Federated High Income Bond Portfolio was renamed to AVIP High Income Bond Portfolio. Federated Investment Management Company was removed as subadviser.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Macquarie VIP Asset Strategy Series was renamed to Nomura VIP Asset Strategy Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Austria Kapitalanlage AG.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Macquarie VIP Natural Resources Series was renamed to Nomura VIP Natural Resources Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Van Eck Associates Corporation and Macquarie Investment Management Global Limited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Macquarie VIP Science and Technology Series was renamed to Nomura VIP Science and Technology Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Global Limited.

**Form 8565-UN-NSLAC**

<sup>3</sup>

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**<u>Important Information You Should Consider About the Contract</u>** 

**LOWEST ANNUAL COST ESTIMATE:** **$1,789** **HIGHEST ANNUAL COST ESTIMATE:** **$6,228**

Assumes:●Investment of $100,000●5% annual appreciation●Least expensive combination of contractclasses and Fund fees and expenses●No optional benefits●No sales charges●No additional purchase payments,transfers or withdrawals Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Most expensive combination of contract classes, optional benefits, and Fund fees and expenses ● No sales charges ● No additional purchase payments, transfers or withdrawals

**Form 8565-UN-NSLAC**

<sup>4</sup>

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| **Yes.** You can lose money by investing in this contract. |
| **Is this a Short-Term** <br> **Investment?**<br>| **No.** This contract is not designed for short-term investing and is not appropriate for an investor <br> who needs ready access to cash.<br>Surrender charges apply for 4 years following your last purchase payment. They will reduce the <br> value of your contract if you withdraw money during that time. The benefits of tax deferral and <br> living benefit protections also mean the contract is more beneficial to investors with a long time <br> horizon.<br>|
| **What Are the Risks** <br> **Associated with the** <br> **Investment** <br> **Options?**<br>| An investment in this contract is subject to the risk of poor investment performance and can <br> vary depending on the performance of the investment options you choose.<br>Each investment option has its own unique risks.<br> You should review the prospectuses for the available Funds before making an investment <br> decision.<br>|
| **What Are the Risks** <br> **Related to the** <br> **Insurance** <br> **Company?**<br>| Any obligations (including under the Fixed Accumulation Account), guarantees, and benefits of <br> the contract are subject to the claims-paying ability of National Security. More information <br> about National Security, including our financial strength ratings, is available upon request by <br> calling us at 877.446.6020.<br>|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There** <br> **Restrictions on the** <br> **Investment** <br> **Options?**<br>| **Yes.** We reserve the right to charge $10 for each transfer when you transfer money between <br> subaccounts in excess of 12 times in a contract year.<br>We reserve the right to limit transfers in circumstances of frequent or large transfers.<br> We reserve the right to remove, close or substitute Funds as investment options that are <br> available under the contract.<br>|
| **Are There any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| **Yes.** Certain optional benefits limit or restrict the investment options that you may select under <br> the contract. We may change the investment restrictions in the future, including limiting the <br> investment options available with the optional benefit.<br> Certain optional benefits could limit subsequent purchase payments.<br> Certain benefits may limit withdrawals or other rights under the contract. Under certain <br> benefits, withdrawals may reduce the value of an optional benefit by an amount greater than <br> the value withdrawn, which could significantly reduce the value of or even terminate the <br> benefit.<br>|
| **TAXES** | **TAXES** |
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| Consult with a tax professional to determine the tax implications of an investment in and <br> purchase payments received under this contract.<br>If you purchase the contract through a tax-qualified plan or individual retirement account (IRA), <br> you do not get any additional tax deferral.<br>Earnings on your contract are taxed at ordinary income tax rates when you withdraw them, and <br> you may have to pay a penalty if you take a withdrawal before age 59 ½.<br>|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |

---

**Form 8565-UN-NSLAC**

<sup>5</sup>

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| | |
|:---|:---|
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| Although the contracts are no longer offered for new sales, firms and their registered <br> representatives that sold the contracts may still be paid for those sales. Your investment <br> professional may receive compensation for having sold this contract to you in the form of <br> commissions, service fees, additional cash benefits (e.g. bonuses), and non-cash compensation. <br> Accordingly, investment professionals may have had a financial incentive to offer or <br> recommend this contract over another investment.<br>|
| **Should I Exchange** <br> **My Contract?**<br>| Some investment professionals may have a financial incentive to offer you a new contract in <br> place of the one you own. You should only consider exchanging your contract if you determine, <br> after comparing the features, fees, and risks of both contracts, that it is in your best interest to <br> purchase the new contract rather than continue to own your existing contract.<br>|

---

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As a percentage of average Contract Value in the separate account.

As a percentage of average Fund net assets.

3 The minimum fee reflects the current charge for the least expensive optional benefit, the GEB, calculated as an annualized percentage of the Contract Value on a contract anniversary. The maximum fee reflects the current charge for the most expensive optional benefit, the Joint GLWB Plus, calculated as an annualized percentage of the amount that is guaranteed under the optional benefit.

**Form 8565-UN-NSLAC**

<sup>6</sup>

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**<u>Appendix A - Funds Available Under the Contract</u>** 

**Variable Options.** The following is a list of Funds available under the contract, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Funds. You can find the prospectuses and other information about the Funds online at nslac.com/variableproducts. You can also request this information at no cost by calling 877.446.6020 or by sending an email request to NSCustService@nslac.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | Allspring VT Opportunity Fund (Class 2)<sup>¶</sup> <br>*Adviser:* Allspring Funds Management, LLC<br> *Subadviser:* Allspring Global Investments, LLC<br>| 1.00%\* | 6.71% | 8.94% | 11.85% |
| Equity | AVIP AB Mid Cap Core Portfolio (Class I)<sup>(3)</sup> <br>*Adviser:* Constellation Investments, Inc.<br> *Subadviser:* AllianceBernstein L.P.<br>| 0.92% | 6.42% | 4.97% | 9.99% |
| Equity | AVIP AB Relative Value Portfolio (Class I)<sup>(8)</sup> <br>*Adviser:* Constellation Investments, Inc.<br> *Subadviser:* AllianceBernstein L.P.<br>| 0.74% | 10.11% | N/A | N/A |
| Equity | AVIP AB Small Cap Portfolio (Class I)<sup>(1)</sup> <br>*Adviser:* Constellation Investments, Inc.<br> *Subadviser:* AllianceBernstein L.P.<br>| 0.86% | 4.89% | 1.53% | 8.67% |
| Allocation | AVIP Balanced Model Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 0.98% | 13.80% | 5.87% | N/A |
| Equity | AVIP BlackRock Advantage International Equity <br> Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.88% | 33.04% | 10.56% | 8.33% |
| Equity | AVIP BlackRock Advantage Large Cap Core Portfolio <br> (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.70% | 20.20% | 14.57% | 13.59% |
| Equity | AVIP BlackRock Advantage Large Cap Growth <br> Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.71% | 21.51% | 13.88% | 15.52% |
| Equity | AVIP BlackRock Advantage Large Cap Value Portfolio <br> (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.75% | 18.44% | 12.15% | 9.82% |
| Equity | AVIP BlackRock Advantage Small Cap Growth <br> Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.92% | 14.14% | 3.08% | 9.71% |

---

**Form 8565-UN-NSLAC**

<sup>7</sup>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Allocation | AVIP BlackRock Balanced Allocation Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* BlackRock Investment Management, LLC<br>| 0.57% | 16.61% | 10.40% | 10.82% |
| Fixed Income | AVIP Bond Portfolio (Class I)<sup>(2)</sup> <br>*Adviser:* Constellation Investments, Inc.<br>| 0.61% | 7.67% | -0.06% | 3.36% |
| Allocation | AVIP Constellation Dynamic Risk Balanced Portfolio <br> (Class I)<sup>(6)</sup> <br>*Adviser:* Constellation Investments, Inc.<br>| 0.87% | 12.44% | 4.92% | 8.94% |
| Allocation | AVIP Constellation Managed Risk Balanced Portfolio <br> (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 0.64% | 13.29% | N/A | N/A |
| Allocation | AVIP Constellation Managed Risk Growth Portfolio <br> (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 0.65% | 15.92% | N/A | N/A |
| Allocation | AVIP Constellation Managed Risk Moderate Growth <br> Portfolio (Class I)<sup>(7)</sup> <br>*Adviser:* Constellation Investments, Inc.<br>| 0.63% | 14.75% | N/A | N/A |
| Fixed Income | AVIP Core Plus Bond Portfolio (Class I)<sup>(9)</sup> <br>*Adviser:* Constellation Investments, Inc.<br>| 0.59% | 6.60% | -0.36% | N/A |
| Fixed Income | AVIP High Income Bond Portfolio (Class I)<sup>(10)</sup> <br>*Adviser:* Constellation Investments, Inc.<br>| 0.88% | 8.31% | 3.85% | 5.77% |
| Equity | AVIP Fidelity Institutional AM® Equity Growth <br> Portfolio (Class I)<sup>(5)</sup> <br>*Adviser:* Constellation Investments, Inc.<br> *Subadviser:* FIAM LLC<br>| 0.77% | 15.35% | 10.70% | 15.69% |
| Allocation | AVIP Growth Model Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 1.01% | 17.78% | 8.85% | N/A |
| Equity | AVIP Intech U.S. Low Volatility Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* Intech Investment Management LLC<br>| 0.62% | 12.23% | N/A | N/A |
| Allocation | AVIP Moderate Growth Model Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 0.97% | 15.81% | 7.58% | N/A |
| Allocation | AVIP Moderately Conservative Model Portfolio <br> (Class I)<br> *Adviser:* Constellation Investments, Inc.<br>| 1.03% | 11.43% | 4.22% | N/A |
| Equity | AVIP Nasdaq-100® Index Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* Geode Capital Management LLC<br>| 0.44% | 20.54% | 14.85% | 19.20% |
| Equity | AVIP S&P 500® Index Portfolio (Class I)<sup>(4)</sup> <br>*Adviser:* Constellation Investments, Inc.<br> *Subadviser:* Geode Capital Management LLC<br>| 0.38% | 17.43% | 13.99% | 14.37% |
| Equity | AVIP S&P MidCap 400® Index Portfolio (Class I)<br> *Adviser:* Constellation Investments, Inc.<br> *Subadviser:* Geode Capital Management LLC<br>| 0.41% | 7.08% | 8.57% | 9.16% |
| Equity | BNY Mellon Appreciation Portfolio (Service Class)<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br>| 1.10% | 9.78% | 9.08% | 12.63% |

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**Form 8565-UN-NSLAC**

<sup>8</sup>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | Federated Hermes Kaufmann Fund II (Service Class)<br> *Adviser:* Federated Global Investment Management <br> Corp.<br>| 1.79%\* | 11.26% | 1.26% | 9.61% |
| Equity | Fidelity® VIP Equity-Income Portfolio<sup>SM</sup> (Service <br> Class 2)<br> *Adviser:* Fidelity Management & Research Company<br>| 0.71% | 18.75% | 12.23% | 11.32% |
| Capital <br> Preservation<br>| Fidelity® VIP Government Money Market Portfolio <br> (Service Class)<br> *Adviser:* Fidelity Management & Research Company<br> *Subadviser:* Fidelity Investments Money <br> Management, Inc.<br>| 0.35% | 4.03% | 3.02% | 1.95% |
| Equity | Fidelity® VIP Mid Cap Portfolio (Service Class 2)<br> *Adviser:* Fidelity Management & Research Company<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Equity | Fidelity® VIP Real Estate Portfolio (Service Class 2)<br> *Adviser:* Fidelity Management & Research Company<br>| 0.85% | 2.90% | 3.98% | 3.61% |
| Allocation | Franklin Allocation VIP Fund (Class 4)<br> *Adviser:* Franklin Advisers, Inc.<br> *Subadviser:* Templeton Global Advisors Limited, <br> Franklin Templeton Institutional, LLC, ClearBridge <br> Investments, LLC, Brandywine Global Investment <br> Management, LLC, Western Asset Management <br> Company, LLC, Western Asset Management <br> Company Limited<br>| 0.92%\* | 12.53% | 5.60% | 7.19% |
| Equity | Franklin DynaTech VIP Fund (Class 2)<sup>†</sup> <br>*Adviser:* Franklin Advisers, Inc.<br>| 0.88% | 18.13% | 9.09% | 14.08% |
| Equity | Franklin DynaTech VIP Fund (Class 4)<sup>†</sup> <br>*Adviser:* Franklin Advisers, Inc.<br>| 0.98% | 17.90% | 8.96% | 13.95% |
| Allocation | Franklin Income VIP Fund (Class 2)<sup>†</sup> <br>*Adviser:* Franklin Advisers, Inc.<br>| 0.72% | 12.56% | 7.66% | 7.30% |
| Allocation | Franklin Income VIP Fund (Class 4)<sup>†</sup> <br>*Adviser:* Franklin Advisers, Inc.<br>| 0.82% | 12.43% | 7.54% | 7.19% |
| Equity | Franklin Templeton Foreign VIP Fund (Class 2)<sup>†</sup> <br>*Adviser:* Templeton Investment Counsel, LLC<br>| 1.08%\* | 29.19% | 8.25% | 5.75% |
| Equity | Franklin Templeton Foreign VIP Fund (Class 4)<sup>†</sup> <br>*Adviser:* Templeton Investment Counsel, LLC<br>| 1.18%\* | 28.97% | 8.14% | 5.64% |
| Equity | Goldman Sachs Strategic Growth Fund (Service <br> Class)<sup>‡</sup> <br>*Adviser:* Goldman Sachs Asset Management, L.P.<br>| 0.96%\* | 17.58% | 12.48% | 16.14% |
| Equity | Goldman Sachs Strategic Growth Fund (Institutional <br> Class)<sup>‡</sup> <br>*Adviser:* Goldman Sachs Asset Management, L.P.<br>| 0.71%\* | 17.92% | 12.76% | 16.43% |
| Equity | Goldman Sachs U.S. Equity Insights Fund (Service <br> Class)<br> *Adviser:* Goldman Sachs Asset Management, L.P.<br>| 0.77%\* | 15.49% | 13.57% | 13.49% |
| Equity | Invesco V.I. EQV International Equity Fund (Series II)<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.15% | 16.23% | 3.42% | 5.95% |

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**Form 8565-UN-NSLAC**

<sup>9</sup>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Allocation | Janus Henderson Balanced Portfolio (Service Class)<br> *Adviser:* Janus Henderson Investors US LLC<br>| 0.87% | 14.82% | 8.21% | 9.86% |
| Equity | Janus Henderson Global Research Portfolio (Service <br> Class)<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Equity | Janus Henderson Overseas Portfolio (Service Class)<br> *Adviser:* Janus Henderson Investors US LLC<br>| 0.96% | 28.58% | 9.17% | 8.97% |
| Equity | Janus Henderson Research Portfolio (Service Class)<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.07% | 18.10% | 13.83% | 15.59% |
| Equity | Lazard Retirement Emerging Markets Equity <br> Portfolio (Service Class)<br> *Adviser:* Lazard Asset Management LLC<br>| 1.38%\* | 41.77% | 10.76% | 9.35% |
| Equity | Lazard Retirement International Equity Portfolio <br> (Service Class)<br> *Adviser:* Lazard Asset Management LLC<br>| 1.10%\* | 33.12% | 7.95% | 6.82% |
| Equity | LVIP ClearBridge Variable Dividend Strategy Portfolio <br> (Standard Class)<sup>(14)</sup> <br>*Adviser:* Lincoln Financial Investments <br> Corporation<sup>(14)</sup> <br>*Subadviser:* ClearBridge Investments, LLC<br>| 0.75%\* | 12.62% | 11.86% | 12.45% |
| Equity | LVIP ClearBridge Variable Large Cap Value Portfolio <br> (Standard Class)<sup>(14)</sup> <br>*Adviser:* Lincoln Financial Investments <br> Corporation<sup>(14)</sup> <br>*Subadviser:* ClearBridge Investments, LLC<br>| 0.72%\* | 10.20% | 10.11% | 10.01% |
| Equity | LVIP JPMorgan Small Cap Core Fund (Standard <br> Class)<sup>^</sup> <br>*Adviser:* Lincoln Financial Investments Corporation<br> *Subadviser:* J.P. Morgan Investment <br> Management Inc.<br>| 0.77% | 10.27% | 6.40% | 8.95% |
| Allocation | Nomura VIP Asset Strategy Series (Service Class)<sup>(11)</sup> <br>*Adviser:* Delaware Management Company<br> *Subadviser:* Macquarie Investment Management <br> Austria Kapitalanlage AG<sup>(11)</sup> <br>| 0.77%\* | 16.66% | 7.07% | 7.84% |
| Equity | Nomura VIP Natural Resources Series (Service <br> Class)<sup>(12)</sup> <br>*Adviser:* Delaware Management Company<br> *Subadviser:* Van Eck Associates Corporation and <br> Macquarie Investment Management Global <br> Limited<sup>(12)</sup> <br>| 1.12%\* | 37.75% | 15.73% | 6.94% |
| Equity | Nomura VIP Science and Technology Series (Service <br> Class)<sup>(13)</sup> <br>*Adviser:* Delaware Management Company<br> *Subadviser:* Macquarie Investment Management <br> Global Limited<sup>(13)</sup> <br>| 1.15% | 33.36% | 13.71% | 17.20% |

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**Form 8565-UN-NSLAC**

<sup>10</sup>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type/Investment** <br> **Objective** | **Fund and Adviser/Subadviser** | **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | MFS® Massachusetts Investors Growth Stock <br> Portfolio (Service Class)<br> *Adviser:* Massachusetts Financial Services Company<br>| 0.97%\* | 9.61% | 9.74% | 13.98% |
| Equity | MFS® Mid Cap Growth Series (Service Class)<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.06%\* | 3.40% | 3.03% | 11.32% |
| Equity | MFS® New Discovery Series (Service Class)<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.12%\* | 12.56% | -0.54% | 10.46% |
| Allocation | MFS® Total Return Series (Service Class)<br> *Adviser:* Massachusetts Financial Services Company<br>| 0.86%\* | 10.91% | 6.16% | 7.36% |
| Equity | Morgan Stanley VIF Growth Portfolio (Class II)<br> *Adviser:* Morgan Stanley Investment Management, <br> Inc.<br>| 0.82%\* | 35.38% | 3.15% | 17.46% |
| Real Assets | PIMCO CommodityRealReturn® Strategy Portfolio <br> (Administrative Class)<br> *Adviser:* Pacific Investment Management <br> Company LLC<br>| 3.19%\* | 18.79% | 10.55% | 6.54% |
| Fixed Income | PIMCO Global Bond Opportunities Portfolio <br> (Unhedged) (Administrative Class)<br> *Adviser:* Pacific Investment Management <br> Company LLC<br>| 1.15% | 12.75% | 0.15% | 2.46% |
| Fixed Income | PIMCO Low Duration Portfolio (Administrative Class)<br> *Adviser:* Pacific Investment Management <br> Company LLC<br>| 0.66% | 5.52% | 1.57% | 1.79% |
| Fixed Income | PIMCO Real Return Portfolio (Administrative Class)<br> *Adviser:* Pacific Investment Management <br> Company LLC<br>| 1.39% | 7.85% | 1.21% | 3.21% |
| Fixed Income | PIMCO Short-Term Portfolio (Administrative Class)<br> *Adviser:* Pacific Investment Management <br> Company LLC<br>| 0.65% | 4.67% | 3.25% | 2.76% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| \* | Annual expenses reflect temporary fee reductions. |
| <sup>^</sup> <br>| Available only in contracts with value allocated to this Fund as of May 1, 2023. |
| <sup>¶</sup> <br>| Available before May 1, 2007. |
| <sup>†</sup> <br>| Class 4 Shares for contracts applied for on or after May 1, 2008. Class 2 Shares for contracts applied for before <br> May 1, 2008<br>|
| <sup>‡</sup> <br>| Service Shares for contracts applied for on or after May 1, 2008. Institutional Shares for contracts applied for <br> before May 1, 2008.<br>|
| <sup>(1)</sup> <br>| On October 10, 2025, Lazard Retirement US Small Cap Equity Select Portfolio, AB VPS Small Cap Growth Portfolio, <br> Royce Small-Cap Portfolio, and Royce Micro-Cap Portfolio were replaced by AVIP AB Small Cap Portfolio.<br>|
| <sup>(2)</sup> <br>| On October 10, 2025, Janus Henderson Flexible Bond Portfolio was replaced by AVIP Bond Portfolio. |
| <sup>(3)</sup> <br>| On October 10, 2025, Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio was replaced with AVIP AB Mid <br> Cap Core Portfolio.<br>|
| <sup>(4)</sup> <br>| On October 10, 2025, Goldman Sachs U.S. Equity Insights Fund was replaced with AVIP S&P 500® Index Portfolio. |
| <sup>(5)</sup> <br>| On October 10, 2025, Fidelity® VIP Growth Portfolio was replaced with AVIP Fidelity Institutional AM® Equity <br> Growth Portfolio.<br>|

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**Form 8565-UN-NSLAC**

<sup>11</sup>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<sup>(6)</sup> On October 10, 2025, Franklin VolSmart Allocation VIP Fund, Goldman Sachs Trend Driven Allocation Fund, and Lazard Retirement Global Dynamic Multi-Asset Portfolio were replaced with AVIP Constellation Dynamic Risk Balanced Portfolio. 

<sup>(7)</sup> On October 17, 2025, Fidelity® VIP Target Volatility Portfolio and AB VPS Global Risk Allocation-Moderate Portfolio were replaced with AVIP Constellation Managed Risk Moderate Growth Portfolio. 

<sup>(8)</sup> On October 17, 2025, AB VPS Relative Value Portfolio was replaced with AVIP AB Relative Value Portfolio.

<sup>(9)</sup> On December 5, 2025, AVIP Federated Core Plus Bond Portfolio was renamed to AVIP Core Plus Bond Portfolio. Federated Investment Management Company was removed as subadviser. 

<sup>(10)</sup> On December 5, 2025, AVIP Federated High Income Bond Portfolio was renamed to AVIP High Income Bond Portfolio. Federated Investment Management Company was removed as subadviser. 

<sup>(11)</sup> On December 5, 2025, Macquarie VIP Asset Strategy Series was renamed to Nomura VIP Asset Strategy Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Austria Kapitalanlage AG. 

<sup>(12)</sup> On December 5, 2025, Macquarie VIP Natural Resources Series was renamed to Nomura VIP Natural Resources Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Van Eck Associates Corporation and Macquarie Investment Management Global Limited. 

<sup>(13)</sup> On December 5, 2025, Macquarie VIP Science and Technology Series was renamed to Nomura VIP Science and Technology Series. Securian Asset Management, Inc. was removed as subadviser and replaced with Macquarie Investment Management Global Limited. 

<sup>(14)</sup> On April 24, 2026, ClearBridge Variable Large Cap Value Portfolio and ClearBridge Variable Dividend Strategy Portfolio were reorganized into LVIP ClearBridge Variable Large Cap Value Fund and LVIP ClearBridge Variable Dividend Strategy Portfolio, respectively. ClearBridge Investments, LLC was the subadviser and replaced with Lincoln Financial Investments Corporation as the adviser. Available only in contracts with value allocated to this Fund as of April 24, 2026. 

**Investment Options Available with Certain Optional Riders**

***<u>GLWB Preferred I.S.</u>***

<u>Allocations:</u> 

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| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| Category 1 Investment Options | 25% | 100% |
| Any individual investment option <br> included in Category 1<br>| 0% | 50% |
| Category 2 Investment Options | 0% | 75% |
| Any individual investment option <br> included in Category 2<br>| 0% | 25% |

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<u>Investment Options:</u> 

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| | | |
|:---|:---|:---|
| **CATEGORY 1** | &nbsp;&nbsp;&nbsp; AVIP Constellation Dynamic Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Moderate Growth <br> Portfolio<br>|  |
| **CATEGORY 2** | &nbsp;&nbsp;&nbsp; AVIP Balanced Model Portfolio<br> AVIP BlackRock Balanced Allocation Portfolio<br> AVIP Intech U.S. Low Volatility Portfolio<br> AVIP Constellation Managed Risk Growth Portfolio<br>| &nbsp;&nbsp;&nbsp; Janus Henderson Balanced Portfolio<br> MFS<sup>®</sup> Total Return Series<br>|

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**Form 8565-UN-NSLAC**

<sup>12</sup>

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***<u>GLWB Plus and GPP (2012) Applied for on or after October 1, 2012</u>***

<u>Allocations:</u> 

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| Category 1 Investment Options | 25% | 100% |
| Any individual investment option <br> included in Category 1<br>| 0% | 50% |
| Category 2 Investment Options | 0% | 75% |
| Any individual investment option <br> included in Category 2<br>| 0% | 25% |

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<u>Investment Options:</u> 

---

| | | |
|:---|:---|:---|
| **CATEGORY 1** | &nbsp;&nbsp;&nbsp; AVIP Constellation Dynamic Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Moderate Growth <br> Portfolio<br>|  |
| **CATEGORY 2** | &nbsp;&nbsp;&nbsp; AVIP Balanced Model Portfolio<br> AVIP BlackRock Balanced Allocation Portfolio<br> AVIP Intech U.S. Low Volatility Portfolio<br> AVIP Constellation Managed Risk Growth Portfolio<br>| &nbsp;&nbsp;&nbsp; Janus Henderson Balanced Portfolio<br> MFS<sup>®</sup> Total Return Series<br>|

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***<u>GLWB Plus and GPP (2012) Applied for prior to October 1, 2012</u>***

<u>Allocations:</u> 

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| Category 1 Investment Options | 50% | 100% |
| Category 2 Investment Options | 0% | 50% |
| Category 3 Investment Options | 0% | 50% |
| Category 4 Investment Options | 0% | 25% |

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<u>Investment Options:</u> 

---

| | | |
|:---|:---|:---|
| **CATEGORY 1** | &nbsp;&nbsp;&nbsp; AVIP Constellation Dynamic Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Moderate Growth <br> Portfolio<br>| AVIP Constellation Managed Risk Growth Portfolio |
| **CATEGORY 2** | &nbsp;&nbsp;&nbsp; AVIP BlackRock Balanced Allocation Portfolio<br> AVIP Intech U.S. Low Volatility Portfolio<br>|  |

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***<u>GMIB Plus with Annual Reset (2009)</u>***

Some or all of your purchase payments or Contract Value may be allocated to the Fixed Accumulation Account. Any portion that is not allocated to the Fixed Accumulation Account must be allocated in accordance with Option 1 or 2.

***Option 1 – Select A Single Option***

<u>Allocation</u>: 100%

<u>Investment Options:</u>

AVIP Moderately Conservative Model Portfolio <br>AVIP Balanced Model Portfolio <br>AVIP Moderate Growth Model Portfolio

**Form 8565-UN-NSLAC**

<sup>13</sup>

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***Option 2 – Select Multiple Options***

<u>Allocations:</u> 

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| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| Category 1 Investment Options | 30% | 60% |
| Category 2 Investment Options | 0% | 70% |
| Category 3 Investment Options | 0% | 25% |
| Category 4 Investment Options | 0% | 15% |

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<u>Investment Options:</u> 

---

| | | |
|:---|:---|:---|
| **CATEGORY 1** | &nbsp;&nbsp;&nbsp; AVIP Bond Portfolio<br> Fidelity<sup>®</sup> VIP Government Money Market Portfolio<br>| &nbsp;&nbsp;&nbsp; AVIP Core Plus Bond Portfolio<br> PIMCO Real Return Portfolio<br> PIMCO Short-Term Portfolio<br> PIMCO Low Duration Portfolio<br>|
| **CATEGORY 2** | &nbsp;&nbsp;&nbsp; AVIP AB Relative Value Portfolio<br> AVIP BlackRock Balanced Allocation Portfolio<br> AVIP S&P 500<sup>®</sup> Index Portfolio<br> AVIP BlackRock Advantage Large Cap Value Portfolio<br> AVIP Nasdaq-100<sup>®</sup> Index Portfolio<br> AVIP BlackRock Advantage Large Cap Core Portfolio<br> AVIP BlackRock Advantage Large Cap Growth Portfolio<br> AVIP S&P MidCap 400<sup>®</sup> Index Portfolio<br> AVIP Constellation Dynamic Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Balanced Portfolio<br> AVIP Constellation Managed Risk Moderate Growth <br> Portfolio<br> AVIP Constellation Managed Risk Growth Portfolio<br> AVIP Intech U.S. Low Volatility Portfolio<br> BNY Mellon Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| &nbsp;&nbsp;&nbsp; Franklin Income VIP Fund<br> Franklin DynaTech VIP Fund<br> Franklin Allocation VIP Fund<br> Franklin Templeton Foreign VIP Fund<br> Goldman Sachs Strategic Growth Fund<br> Nomura VIP Asset Strategy Series<br> Janus Henderson Research Portfolio<br> Janus Henderson Balanced Portfolio<br> MFS<sup>®</sup> Total Return Series<br> MFS<sup>®</sup> Massachusetts Investors Growth Stock Portfolio<br> Morgan Stanley VIF Growth Portfolio<br> PIMCO Global Bond Opportunities Portfolio (Unhedged)<br>|
| **CATEGORY 3** | &nbsp;&nbsp;&nbsp; AVIP BlackRock Advantage International Equity <br> Portfolio<br> AVIP Fidelity Institutional AM<sup>®</sup> Equity Growth <br> Portfolio<br> AVIP High Income Bond Portfolio<br> AVIP AB Mid Cap Core Portfolio<br> Federated Hermes Kaufmann Fund II<br> Invesco V.I. EQV International Equity Fund<br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br>| &nbsp;&nbsp;&nbsp; Janus Henderson Overseas Portfolio<br> Janus Henderson Global Research Portfolio<br> Lazard Retirement International Equity Portfolio<br> MFS<sup>®</sup> Mid Cap Growth Series<br>|
| **CATEGORY 4** | &nbsp;&nbsp;&nbsp; AVIP AB Small Cap Portfolio<br> AVIP BlackRock Advantage Small Cap Growth Portfolio<br> Fidelity<sup>®</sup> VIP Real Estate Portfolio<br> Nomura VIP Natural Resources Series<br> Nomura VIP Science and Technology Series<br>| &nbsp;&nbsp;&nbsp; Lazard Retirement Emerging Markets Equity Portfolio<br> MFS<sup>®</sup> New Discovery Series<br> PIMCO CommodityRealReturn<sup>®</sup> Strategy Portfolio<br>|

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**Form 8565-UN-NSLAC**

<sup>14</sup>

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**Fixed Options.** The following is a list of fixed interest options currently available under the contract. To the extent permitted by the contract, we may change the features of the fixed interest options listed below, offer new fixed interest options, and terminate existing fixed interest options. We will provide you with written notice before doing so. If applicable, depending on the optional benefits you choose, you may not be able to invest in the fixed options listed below.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Guaranteed** <br> **Minimum** <br> **Interest Rate**<br>|
| Fixed Account | 12 months | 1.00% |
| Enhanced DCA Account | 6 or 12 <br> months<br>| 1.00% |

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**Form 8565-UN-NSLAC**

<sup>15</sup>

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You may request other information about this contract and make investor inquiries by calling us at 877.446.6020. Reports and other information about National Security Variable Account N are available on the SEC's website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

**Form 8565-UN-NSLAC**

<sup>16</sup>

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