# EDGAR Filing Document

**Accession Number:** 0001618629
**File Stem:** 0001193125-26-180940
**Filing Date:** 2026-4
**Character Count:** 145479
**Document Hash:** da2c42ed415f462decd2f863f99497d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-180940.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-180940

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nationwide Jefferson National VA Separate Account 1
- **CENTRAL INDEX KEY:** 0001618629

**ORGANIZATION NAME:**
- **EIN:** 471180302

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-288440
- **FILM NUMBER:** 26898697

**BUSINESS ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223
- **BUSINESS PHONE:** 5025873809

**MAIL ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Jefferson National Life of New York Annuity Account 1
- **DATE OF NAME CHANGE:** 20140904

## Series and Classes Contracts Data

### Nationwide Jefferson National VA Separate Account 1 (Series ID: S000047360)

| Class ID   | Class Name                       | Ticker Symbol   |
|:---|:---|:---|
| C000263998 | Monument Advisor Select New York |  |

**Supplement dated May 1, 2026** <br>**to the following initial summary prospectus(es):**

Monument Advisor, Monument Advisor Select and Monument Advisor Select NY dated May 1, 2026

**This supplement updates certain information contained in your initial summary prospectus. Please read and** <br> **retain this supplement for future reference.**<br>

The Board of Trustees (the "Board") of Lazard Retirement Series, Inc., approved the liquidation (the "Liquidation") of the Lazard Retirement Series, Inc. – Lazard Retirement US Small Cap Equity Select Portfolio: Service Shares (the "Fund"). The Liquidation is expected to occur on or about May 20, 2026 (the "Liquidation Date").

In anticipation of the Liquidation, the following changes apply to the contract:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective May 13, 2026, this Investment Portfolio is no longer available to receive transfers or new purchase payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• From the date of this supplement until the Liquidation Date, investors with allocations in the Fund may transfer allocations to any other available investment option. During this period, any transfers from the Fund will not be treated as a transfer for purposes of transfer limitations that would otherwise be applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On the Liquidation Date, any remaining assets of the Fund will be transferred to Nationwide Variable Insurance Trust – NVIT Government Money Market Fund: Class Y.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• After the Liquidation Date, any and all references to the Fund are deleted.

ISP-1054

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**Supplement dated May 1, 2026** <br>**to the following initial summary prospectus(es):**

Nationwide Advisory Retirement Income Annuity, Nationwide Advisory Retirement Income Annuity - New York, Nationwide Innovator Corporate VUL, Nationwide Advisory VUL, Monument Advisor, Monument Advisor Select and Monument Advisor Select New York dated May 1, 2026

**This supplement updates certain information contained in your initial summary prospectus. Please read and** <br> **retain this supplement for future reference.**<br>

The following underlying mutual fund is offered as an investment option under the contract or policy.

Effective May 12, 2026, the name of the investment option is updated as indicated below:

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| | |
|:---|:---|
| **CURRENT NAME** | **UPDATED NAME** |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio | Vanguard Variable Insurance Fund - PRIMECAP Portfolio |

---

ISP-1055

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**Monument Advisor Select**<sup>®</sup> **NY**

**Individual Modified Single Premium Deferred Variable Annuity**

Issued by

**Nationwide Life Insurance Company**

through its

**Nationwide Jefferson National VA Separate Account 1**

**Summary Prospectus for New Investors**

May 1, 2026

The Contracts described in this summary prospectus are only available for applications signed on or after May 4, 2026.

The Contracts described in this prospectus are only available in the state of New York.

This summary prospectus summarizes key features of the contract.

Before you invest, you should also review the statutory prospectus for the contract, which contains more information about the contract's features, benefits, and risks. You can find this document and other information about the contract online at https://nationwide.onlineprospectus.net/NW/C000263998NW/index.html?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-866-667-0561 or by sending an email request to NAS_Service@nationwide.com.

Variable annuities are complex investment products and involve risks, including the potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals under the contract could result in taxes and tax penalties.

**If you change your mind about owning the Contract, you may cancel the Contract within 10 days after receiving it (or 60 days if it is a Replacement Contract) and We will cancel the Contract. Nationwide deems this period as beginning on the date the Contract is posted to your Secure Online Account. If you elect to receive the Contract in paper, Nationwide deems this period as ending 15 days after We mail the Contract, or 60 days if it is a Replacement Contract. On the day We receive your request We will return your Contract Value. This refund amount will be the Contract Value plus the amount of fees and other charges deducted from the Contract via redemption of Accumulation Units, if applicable, such as Subscription Fees. The amount refunded will not include any underlying fund charges or Contract fees that were assessed daily as part of the Accumulation Unit value calculation during the free look period. See *Free Look* in the statutory prospectus for additional details.**

All guarantees under the contract are subject to the Company's creditworthiness and claims-paying ability.

You should review the statutory prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

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

This Contract may be available through third-party financial intermediaries who charge an investment advisory fee for their services, and these fees are in addition to contract fees and expenses described in this prospectus. If the Owner elects to pay the investment advisory fees from the Contract Value, this may reduce the death benefit and other benefits under the Contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax penalty.

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**Table of Contents**

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

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| | |
|:---|:---|
|  | **Page** |
| **[Definitions of Special Terms](#xx_e108109a-4ca5-4b5d-82ef-6e97a4933607_1)** | &nbsp;&nbsp; 3<br>|
| **[Overview of the Contract](#xx_424baf2a-6659-4805-b632-ae1cd4c78c5e_1)** | &nbsp;&nbsp; 5<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Purpose of the Contract](#xx_424baf2a-6659-4805-b632-ae1cd4c78c5e_1) | &nbsp;&nbsp; 5<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Phases of the Contract](#xx_424baf2a-6659-4805-b632-ae1cd4c78c5e_1) | &nbsp;&nbsp; 5<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Contract Features](#xx_424baf2a-6659-4805-b632-ae1cd4c78c5e_1) | &nbsp;&nbsp; 5<br>|
| **[Important Information You Should Consider About the Contract](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_1)** | &nbsp;&nbsp; 7<br>|
| **[Benefits Under the Contract](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_2)** | &nbsp;&nbsp; 8<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Standard Benefits Table](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_3) | &nbsp;&nbsp; 9<br>|
| **[Buying the Contract](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_3)** | &nbsp;&nbsp; 9<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Purchase Payments](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_3) | &nbsp;&nbsp; 9<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Allocation of Purchase Payments](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_3) | &nbsp;&nbsp; 9<br>|
| **[Making Withdrawals: Accessing the Money in Your Contract](#xx_15a2f267-3b09-4545-bce7-bdcd9069f0f4_4)** | &nbsp;&nbsp; 10<br>|
| **[Additional Information About Fees](#xx_94079f9b-cf54-4177-b72f-e77ab386d242_1)** | &nbsp;&nbsp; 11<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Example](#xx_94079f9b-cf54-4177-b72f-e77ab386d242_1) | &nbsp;&nbsp; 11<br>|
| **[Appendix: Investment Options Available Under the Contract](#xx_98a383e9-2672-447e-899c-b5ea89d0aec5_1)** | &nbsp;&nbsp; 13 |

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**Definitions of Special Terms**

Because of the complex nature of the Contract, We have used certain words or terms in this prospectus, which may need additional explanation. We have identified the following as some of these words or terms.

---

| |
|:---|
| **Accumulation Period:** The period during which you invest money in your Contract. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Accumulation Unit:** A measurement We use to calculate the value of the variable portion of your Contract during the <br> Accumulation Period.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Advisor Fee:** Any fee charged by any Investment Advisor or financial professional you hire and processed as such by <br> the Company as a withdrawal from the Contract Value.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annuitant(s) :** The natural person(s) on whose life (lives) We base Annuity Payments. On or after the Annuity Date, the <br> Annuitant shall also include any joint Annuitant. In the event of joint Annuitants, the life of the primary Annuitant is <br> used to determine Annuity Payments. If the Contract is owned by a non-natural Owner and joint Annuitants are <br> named, the Death Benefit Amount will be calculated upon the death of the first Annuitant to die.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annuity Date :** The date on which Annuity Payments are to begin, as selected by you, or as required by the Contract or <br> by state or federal law. If a prior date is not selected by you, the Annuity Date is the Maximum Maturity Date. For <br> joint Annuitants all provisions are based on the age of the primary Annuitant.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annuity Options:** Income plans which can be elected to provide periodic Annuity Payments beginning on the Annuity <br> Date.<br>|
| **Annuity Payments:** Periodic income payments provided under the terms of one of the Annuity Options. |
| **Annuity Period:** The period during which We make income payments to you. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Beneficiary :** The person(s) or entities, designated to receive any benefits under the Contract if you or, in the case of a <br> non-natural Owner, the Annuitant dies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Business Day:** Generally, any day on which the New York Stock Exchange is open for trading. Our Business Day ends <br> at the closing of regular trading on the New York Stock Exchange. Some of the Investment Options may impose <br> earlier deadlines for trading. These deadlines are described in further detail under the heading "Transfers."<br>|
| **Code:** The Internal Revenue Code of 1986, as amended. |
| **Company :** Nationwide Life Insurance Company, also referred to as Nationwide, We, Us, and Our. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Contract :** The Monument Advisor Select<sup>®</sup> NY Individual Modified Single Premium Deferred Variable Annuity Contract, <br> which provides variable investment options offered by the Company.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Contract Value:** Your Contract Value is the sum of amounts held under your Contract in the various Sub-accounts of <br> the Separate Account.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Death Benefit Amount:** The Death Benefit Amount is the amount payable to the Beneficiary upon the death of the <br> Owner, or for a Contract owned by a non-natural person, the death of the Annuitant.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Free Look Period:** If you change your mind about owning the Contract, the Free Look Period is the period of time <br> within which you may cancel your Contract. This period of time is 10 days from receipt, or 60 days if it is a <br> Replacement Contract.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Investment Advisor:** A registered investment adviser, an investment adviser who is exempt from registration with the <br> Securities and Exchange Commission or other adviser selected by you to provide you asset allocation and <br> investment advisory services.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Investment Options:** The investment choices available to Owners. These choices include the Sub-accounts of the <br> Separate Account.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Investment Portfolio(s):** The variable Investment Options available under the Contract. Each Sub-account has its <br> own investment objective and is invested in the underlying Investment Portfolio.<br>|

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Low Cost Fund Platform Fee:** Fee imposed by the Company on Contract Value invested in certain Sub-accounts that <br> invest in low cost Investment Portfolios. This fee is assessed daily as part of the daily Accumulation Unit value <br> calculation. See *Low Cost Fund Platform Fee* for further details, including a list of the Sub-accounts for which the <br> Company currently imposes the fee.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Maximum Maturity Date:** The date on which the Annuitant attains age 100. For joint Annuitants, all provisions which <br> are based on age are based on the age of the primary Annuitant.<br>|
| **Non-Natural Owner:** The trust or entity (*e.g.* CRT, Family Trust, Corporation, Other) that will own the Contract. |
| **Owner:** You, the purchaser of the Contract, are the Owner. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Purchase Payment:** The money you give Us to buy the Contract, subject to certain restrictions. See *Purchase* <br> *Payments*.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Replacement Contract:** A Contract purchased with the proceeds from another contract (a contract issued by the <br> Company and/or another insurance company).<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Secure Online Account:** Your Secure Online Account is a password protected electronic account through which you <br> can access personal documents relating to your Contract, such as transaction confirmations, periodic account <br> statements and other personal correspondence. You create your Secure Online Account by going to our Website <br> after you purchase the Contract and we maintain it for you on our Website thereafter.<br>|
| **Separate Account:** Nationwide Jefferson National VA Separate Account 1, which invests in the Investment Portfolios. |
| **Sub-account :** A segment within the Separate Account which invests in a single Investment Portfolio. |
| **Subscription Fee:** $20 per month fee charged by Us to issue and administer the Contract. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Website:** https://www.nationwideadvisory.com. You may obtain information about your Contract and request certain <br> transactions through the Website.<br>|

---

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**Overview of the Contract**

**Purpose of the Contract**

The Contract is intended to be a long-term investment vehicle to assist investors in saving for and living in retirement. We have designed the contract to offer features, pricing, and Investment Options that encourage long-term ownership. The Contract can help supplement retirement income through the annuitization feature, which provides a stream of periodic income payments. During the years leading up to those income payments, you manage your assets in the Contract according your specific goals and risk preferences by directing the allocation and reallocation among a variety of Investment Options. Contract growth is tax-deferred, meaning that gains in the contract are not taxable until withdrawn from the Contract. Finally, in the event that you die before beginning income payments, the Contract offers a death benefit.

Before purchasing the Contract you should consult with a financial professional to determine whether this contract is appropriate for you, taking into consideration your particular needs, including investment objectives, risk tolerance, investment time horizon, marital status, tax situation, and other personal characteristics. Generally speaking, this Contract is intended to provide benefits to a single individual and his/her beneficiaries. The Contract is not intended to be used by institutional investors, or in connection with other Nationwide contracts that have the same Annuitant and/or Owner. It is not intended to be sold to a terminally ill Contract Owner.

If the Owner elects to pay the investment advisory fees from the Contract Value, this may reduce the death benefit and other benefits under the contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax penalty (see *Charges and Adjustments, Advisor Fee Withdrawals,* and *Taxes* in the statutory prospectus).

**Phases of the Contract**

The contract exists in two separate phases: the Accumulation Period (savings) and the Annuity Period (income). During the Accumulation Period, the Contract offers a variety of Investment Options to which the Owner can allocate and reallocate his/her Contract Value. The Investment Options available under the Contract consist of Sub-accounts that invest in underlying mutual funds, which offer a variable rate of return. **Additional information about the underlying mutual funds is available in *Appendix: Investment Options Available Under the Contract*.**

During the Annuity Period, We make periodic income payments to you. Prior to the Annuity Date, you elect the duration of the Annuity Payments – either for a fixed period of time or for the duration of the Annuitant's (and possibly the joint Annuitant's) life. Annuity Payments will be fixed, meaning that the amount of each Annuity Payment will be the same. After the Annuity Date, the only value associated with the Contract is the stream of Annuity Payments; unless otherwise specified in the Annuity Option, you cannot withdraw value from the Contract over and above the Annuity Payments. Additionally, after the Annuity Date, there is no death benefit, which means that upon your death, all Annuity Payments stop and the Contract terminates, unless the particular Annuity Option provides otherwise.

**Contract Features**

**Investment Options.** Owners can allocate Contract Value to Sub-accounts that invest in underlying mutual funds. Owners can reallocate those assets at their discretion, subject to certain restrictions.

**Deposits to the Contract.** Additional Purchase Payments are not permitted, except otherwise allowed in *Purchase Payments*.

**Withdrawals from the Contract.** Owners can withdraw some or all of their Contract Value at any time prior to the Annuity Date, subject to certain restrictions. During the Annuity Period, withdrawals other than Annuity Payments are not permitted.

**Death Benefit.** During the Accumulation Period, the Contract contains a standard death benefit (return of Contract Value) at no additional charge.

**Annuity Payments.** On the Annuity Date, We will make Annuity Payments based on the Annuity Option chosen.

**Tax Deferral.** Generally, Owners will not be taxed on any earnings on the assets in the Contract until such earnings are distributed from the Contract. How each contract's distributions are taxed depends on the type of contract issued. Note that if this Contract is issued in connection with a plan that qualifies for special income tax treatment under the Code, the Contract does not provide additional tax deferral benefits (see *Taxes* in the statutory prospectus).

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**Cancellation of the Contract.** Under state insurance laws, Owners have the right, during a limited period of time, to examine their Contract and decide if they want to keep it or cancel it (see *Free Look* and *Contacting Us* in the statutory prospectus).

**Contract Owner Services.** The Contract offers several services at no additional charge to assist Owners in managing their Contract, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rebalancing Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Dollar Cost Averaging Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Systematic Withdrawal Program

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**Important Information You Should Consider About the Contract** 

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| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS**<br> (see *Additional Information About Fees* later in this summary prospectus and *Charges and Adjustments* in the statutory <br> prospectus) | **FEES, EXPENSES, AND ADJUSTMENTS**<br> (see *Additional Information About Fees* later in this summary prospectus and *Charges and Adjustments* in the statutory <br> prospectus) |
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| **No.** |
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.**We currently do not but reserve the right to assess a Transfer Fee in the event of <br> excessive transfers (see *Transfer Fee* in the statutory prospectus). |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that you may pay *each year*, <br> depending on the investment options chosen. Please refer to your contract specifications <br> page for information about the specific fees you will pay each year based on the options <br> you have elected. The fees and expenses do not reflect any investment advisory fees paid <br> to financial professionals from Contract Value or other assets you own; if those charges <br> were reflected, the fees and expenses would be higher. |
| **Are There Ongoing Fees** <br> **and Expenses?** | **Annual Fee** |
| **Are There Ongoing Fees** <br> **and Expenses?** | Base Contract<br>0.24%<sup>1</sup> <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | Underlying mutual fund fees and expenses<br>0.09%<sup>2</sup> <br>3.38%<sup>2</sup> <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of Variable Account value.<br> <sup>2</sup> As a percentage of underlying mutual fund net assets. Minimum and maximum <br> expenses include the maximum Low Cost Fund Platform Fee (see *Low Cost Fund* <br> *Platform Fee* in the statutory prospectus). |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Because each contract is customizable, the options elected affect how much each <br> Contract Owner will pay. To help you understand the cost of owning the contract, the <br> following table shows the lowest and highest cost a Contract Owner could pay *each year*, <br> based on current charges.  |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Lowest Annual Cost Estimate:**<br> **$283.37**<br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp; Assumes: <br> ● Investment of $100,000 <br> ● 5% annual appreciation<br> ● Least expensive underlying mutual fund fees <br> and expenses <br> ● No additional purchase payments, transfers or <br> withdrawals<br> ● No investment advisory fees<br>|

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

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss** <br> **from Poor Performance?**<br>| &nbsp;&nbsp; **Yes.** Contract Owners of variable annuities can lose money by investing in the contract, <br> including loss of principal (see *Principal Risks* in the statutory prospectus). <br>|
| **Is this a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp; **No.** The contract is not a short-term investment and is not appropriate for an investor who <br> needs ready access to cash. We have designed the contract to offer features, pricing, and <br> investment options that encourage long-term ownership (see *Principal Risks* in the <br> statutory prospectus). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Withdrawals may be subject to taxes and tax penalties. The benefits of tax deferral also <br> means that the contract is more beneficial to investors with a long time horizon (see <br> *Principal Risks* in the statutory prospectus). <br>|
| **What Are the Risks** <br> **Associated with** <br> **Investment Options?**<br>| &nbsp;&nbsp;&nbsp; ● Investment in this contract is subject to the risk of poor investment performance. <br> Investment experience can vary depending on the Investment Options selected by the <br> Contract Owner.<br> ● Each Investment Option has its own unique risks.<br> ● Review the prospectuses and disclosures for the Investment Options before making an <br> investment decision. <br> See *Principal Risks* in the statutory prospectus*.*<br>|

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **What Are the Risks** <br> **Related to the Insurance** <br> **Company?**<br>| &nbsp;&nbsp; Investment in the contract is subject to the risks associated with Nationwide, including that <br> any obligations, guarantees, or benefits are subject to Our claims-paying ability. More <br> information about Us is available by contacting Us at the address and/or toll-free phone <br> number indicated in *Contacting Us* (see *Principal Risks* in the statutory prospectus). <br>|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> ● We reserve the right to add, remove, and substitute Investment Portfolios available <br> under the Contract (see *The Investment Portfolios* in the statutory prospectus).<br> ● Certain Investment Portfolios have early cut-off times (see *Appendix: Investment* <br> *Options Available Under the Contract*).<br> ● Transfers between Investment Portfolios are subject to policies designed to deter short-<br> term and excessively frequent transfers. Nationwide may restrict the form in which <br> transfer requests will be accepted (see *Excessive Trading Limits* in the statutory <br> prospectus).<br> ● The availability of investment options may vary depending on the broker-dealer through <br> which the Contract is sold (see *Appendix B: Financial Intermediary Variations* in the <br> statutory prospectus).<br>|
| **TAXES** | **TAXES** |
| **What Are the Contract's** <br> **Tax Implications?**<br>| &nbsp;&nbsp;&nbsp; ● Consult with a tax professional to determine the tax implications of an investment in and <br> payments received under this Contract.<br> ● If the Contract is purchased through a tax-qualified plan or IRA, there is no additional tax <br> deferral.<br> ● Earnings in the Contract are taxed at ordinary income tax rates at the time of <br> withdrawals and there may be a tax penalty if withdrawals are taken before the Owner <br> reaches age 59½. <br> See *Taxes* in the statutory prospectus*.*<br>|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Some financial professionals receive compensation for selling the contract. Compensation <br> can take the form of either investment advisory fees paid pursuant to an investment <br> advisory agreement. Alternately, compensation can take the form of commission indirect <br> compensation from revenue that We earn and may share with the financial professional's <br> firm. This conflict of interest may influence a financial professional, as these financial <br> professionals may have a financial incentive to offer or recommend this contract over <br> another investment (see *The Monument Advisor Select*<sup>®</sup> *NY Variable Annuity Contract* in <br> the statutory prospectus).<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some financial professionals may have a financial incentive to offer an investor a new <br> contract in place of the one he/she already owns. An investor should only exchange his/her <br> contract if he/she determines, after comparing the features, fees, and risks of both <br> contracts, and any fees or penalties to terminate the existing contract, that it is preferable <br> for him/her to purchase the new contract, rather than to continue to own the existing one <br> (see *The Monument Advisor Select*<sup>®</sup> *NY Variable Annuity Contract* in the statutory <br> prospectus).<br>|

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**Benefits Under the Contract**

**The following tables summarize information about the benefits under the Contract.** The Standard Benefits table indicates the benefits that are available under the Contract and for which there is no additional charge. The availability of Contract benefits may vary depending on the broker-dealer through which the Contract is sold (see *Appendix B: Financial Intermediary Variations* in the statutory prospectus).

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**Standard Benefits Table** 

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Maximum** <br> **Fee**<br>| **Brief Description of Restrictions/Limitations** |
| Standard Death Benefit <br> (see *Death Benefit* in <br> the statutory <br> prospectus)<br>| Death benefit upon <br> death of Owner prior to <br> Annuity Period<br>| None |  |
| Rebalancing Program <br> (see *Rebalancing* <br> *Program* in the statutory <br> prospectus)<br>| Automatic reallocation <br> of assets on a <br> predetermined <br> percentage basis<br>| None |  |
| Dollar Cost Averaging <br> Program (see *Dollar* <br> *Cost Averaging* <br> *Program* in the statutory <br> prospectus)<br>| Long-term transfer <br> program involving <br> automatic transfer of <br> assets<br>| None |  |
| Systematic Withdrawal <br> Program (see <br> *Systematic Withdrawal* <br> *Program* in the statutory <br> prospectus)<br>| Automatic withdrawals <br> of Contract Value on a <br> periodic basis<br>| None |  |

---

**Buying the Contract**

**Purchase Payments**

A Purchase Payment is the money you give Us to buy the Contract. The minimum initial Purchase Payment We will accept is $15,000. We reserve the right to issue a Contract for less than $15,000 with Our approval, subject to the terms and conditions We may require. The maximum We accept is $10,000,000 without Our prior approval and will be subject to such terms and conditions as We may require.

Company reserves the right to refuse any Purchase Payment. Company does not accept Purchase Payments in the form of cash, cash equivalents or checks payable in foreign currency or issued by non-U.S. financial institutions. Purchase Payments made in the form of check, wire or EFT must be drawn upon the account of a U.S. financial institution.

Additional Purchase Payments are not permitted, and any additional Purchase Payments received by the Company will be rejected and returned to the Owner. However, Company will accept additional Purchase Payments made in connection with a Section 1035 exchange or transfer that is specified at the time of application for the Contract. Company reserves the right to reject any additional Purchase Payments that are not received within six months of the date the Contract is issued.

If mandated under applicable law, the Company may be required to reject a Purchase Payment. The Company also may be required to provide additional information about an Owner's account to government regulators. In addition, the Company may be required to block an Owner's account and thereby refuse to pay any request for transfers, full or partial withdrawals (including systematic withdrawals and withdrawals made to pay Advisor Fees), or death benefits until instructions are received from the appropriate regulator.

**Allocation of Purchase Payments**

You control where your Purchase Payments are invested. On the application for a Contract, you may choose to have 100% of your Purchase Payment invested in the money market Sub-Accounts. Alternatively, you may use a separate administrative form to select the Sub-Accounts in which to invest your Purchase Payment. Any additional Purchase Payments will be allocated based on your Investment Allocation of Record. Please make sure your Investment Allocation of Record is kept current. The Company imposes a Low Cost Fund Platform Fee on Contract Value invested in certain Sub-accounts that invest in low cost Investment Portfolios. See *Low Cost Fund Platform Fee in the statutory prospectus* for further details.

------

**Once We receive your Purchase Payment and the necessary information, We will issue your Contract and allocate your first Purchase Payment within 2 Business Days. If you do not provide Us all of the information needed, We will contact you. If for some reason We are unable to complete this process within 5 Business Days, We will either send back your money or get your permission to keep it until We get all of the necessary information. The method of payment (*e.g.*, check, wire transfer, electronic funds transfer) may affect when your Purchase Payment is received by Us. If you add more money to your Contract by making additional Purchase Payments, We will credit these amounts to your Contract as of the Business Day We receive your Purchase Payment. Our Business Day closes at the close of regular trading on the New York Stock Exchange.**

**Making Withdrawals: Accessing the Money in Your Contract**

**Access To Your Money**

You can have access to the money in your Contract:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) by making a withdrawal (either a partial or a complete withdrawal);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) by electing to receive Annuity Payments; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) when a death benefit is paid to your Beneficiary.

Withdrawals can only be made during the Accumulation Period.

When you make a complete withdrawal, you will receive the Contract Value on the Business Day We receive the withdrawal request, less any pro rata Subscription Fees.

All partial withdrawals will be withdrawn from the Investment Portfolios on a pro-rata basis unless you instruct Us otherwise.

Nationwide will pay the amount of any withdrawal from the Investment Portfolios within 7 days of your request in good order unless the *Suspension of Payments or Transfers* provision described in in the statutory prospectus is in effect.

A withdrawal may result in tax consequences (including an additional 10% tax penalty under certain circumstances).

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**Additional Information About Fees**

**The following tables describe the fees, expenses, and adjustments that an Owner will pay when buying, owning, and surrendering or making withdrawals from an investment option or from the Contract. Please refer to the contract specifications page for information about the specific fees the Owner will pay each year based on the options elected. The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets owned by the Owner; of those charges were reflected, the fees and expenses would be higher.**

**The first table describes the fees and expenses an Owner will pay at the time the Owner buys the Contract, surrenders or makes withdrawals from an investment option or from the Contract, or transfers Contract Value between Investment Portfolios. State premium taxes may also be deducted.** 

---

| |
|:---|
| **Transaction Expenses** |
| **Maximum Transfer Fee**<sup>1</sup><br>$25<sup>2</sup> <br>|

---

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

**The next table describes the fees and expenses that an Owner will pay *each year* during the time that the Owner owns the Contract (not including underlying mutual fund fees and expenses).** 

---

| |
|:---|
| **Annual Contract Expenses** |
| **Subscription Fee** (assessed via monthly deductions)<br>$240<sup>3</sup> <br>|

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

<sup>1</sup>

All transfers made on the same day involving the same Sub-account count as one transfer. Certain restrictions apply (see *Excessive Trading Limits*).

<sup>2</sup>

Currently, We do not assess a Transfer Fee.

<sup>3</sup>

The annual Subscription Fee is assessed via a monthly deduction of $20 per month.

**The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Owner may pay periodically during the life of the Contract. These amounts also include the maximum applicable Low Cost Fund Platform Fees if you choose to invest in certain Investment Portfolios (see *Low Cost Fund Platform Fee*). Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the Contract, including their annual expenses, may be found in *Appendix A: More Information About the Investment Portfolios*.** 

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| | | |
|:---|:---|:---|
| **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** |
|  | **Minimum** | **Maximum** |
| (Expenses that are deducted from underlying mutual fund assets, including Low Cost <br> Fund Platform Fees and management fees, distribution and/or service (12b-1) fees, and <br> other expenses, as a percentage of average underlying mutual fund net assets.)<br>| 0.09% | 3.38% |

---

**Example**

**This Example is intended to help Owners compare the cost of investing in the Sub-accounts with the cost of investing in other annuity Contracts that offer variable investment options. These costs include transaction expenses, annual Contract expenses, and annual underlying mutual fund expenses. The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets owned by the Owner; if those charges were reflected, the fees and expenses would be higher.**

The Example assumes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a $100,000 investment in the contract for the time periods indicated;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a 5% return each year;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the maximum and the minimum annual underlying mutual fund expenses.

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

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **If the Contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the Contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the Contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the Contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the Contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the Contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the Contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the Contract is not**<br> **surrendered** | **If the Contract is not**<br> **surrendered** | **If the Contract is not**<br> **surrendered** | **If the Contract is not**<br> **surrendered** |
|  | **1 Yr.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** | **1 Yr.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** |
| &nbsp;&nbsp;&nbsp; Maximum <br> Annual<br> Underlying <br> Mutual Fund<br> Expenses<br> (3.38%)<br>| &nbsp;&nbsp; $3801<br>| &nbsp;&nbsp; $11540<br>| &nbsp;&nbsp; $19466<br>| &nbsp;&nbsp; $40128<br>&nbsp;&nbsp; \*<br>| &nbsp;&nbsp; $11540<br>| &nbsp;&nbsp; $19466<br>| &nbsp;&nbsp; $40128<br>| &nbsp;&nbsp; $3801<br>| &nbsp;&nbsp; $11540<br>| &nbsp;&nbsp; $19466<br>| &nbsp;&nbsp; $40128<br>|
| &nbsp;&nbsp;&nbsp; Minimum Annual<br> Underlying <br> Mutual Fund<br> Expenses <br> (0.09%)<br>| &nbsp;&nbsp; $347<br>| &nbsp;&nbsp; $1089<br>| &nbsp;&nbsp; $1901<br>| &nbsp;&nbsp; $4288<br>&nbsp;&nbsp; \*<br>| &nbsp;&nbsp; $1089<br>| &nbsp;&nbsp; $1901<br>| &nbsp;&nbsp; $4288<br>| &nbsp;&nbsp; $347<br>| &nbsp;&nbsp; $1089<br>| &nbsp;&nbsp; $1901<br>| &nbsp;&nbsp; $4288 |

---

------

**Appendix: Investment Options Available Under the Contract**

The following is a list of the Investment Portfolios that are available under the Contract. More information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000263998NW/index.html. This information can also be obtained at no cost by calling 1-866-667-0561 or by sending an email request to NAS_Service@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the Contract is sold (see *Appendix B: Financial Intermediary Variations* in the statutory prospectus).

The current expenses and performance information below reflects fees and expenses of the Investment Portfolios, but do not reflect the other fees and expenses that the Contract may charge, such as any Low Cost Fund Platform Fee. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Portfolio's past performance is not necessarily an indication of future performance.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Real Assets | **Advisors Preferred Trust -** <br> **Quantified Gold Futures Tracking** <br> **Portfolio (formerly, Advisors** <br> **Preferred Trust - Gold Bullion** <br> **Strategy Portfolio)**<br> Investment Advisor: Advisors <br> Preferred, LLC<br> Sub-Advisor: Flexible Plan <br> Investments, Ltd.<br>| 1.63% | 0.00% | **1.63%** | 59.59% | 14.40% | 12.14% |
| Equity | **Alger Capital Appreciation** <br> **Portfolio: Class I-2 Shares**<br> Investment Advisor: Fred Alger <br> Management, LLC<br>| 0.94% | 0.00% | **0.94%** | 32.87% | 16.33% | 18.17% |
| Equity | **Alger Large Cap Growth** <br> **Portfolio: Class I-2 Shares**<br> Investment Advisor: Fred Alger <br> Management, LLC<br>| 0.81%\* | 0.00% | **0.81%** | 30.27% | 11.12% | 16.73% |
| Equity | **Alger Mid Cap Growth Portfolio:** <br> **Class I-2 Shares**<br> Investment Advisor: Fred Alger <br> Management, LLC<br>| 0.90%\* | 0.00% | **0.90%** | 16.76% | 3.01% | 11.68% |
| Equity | **AllianceBernstein Variable** <br> **Products Series Fund, Inc. - AB** <br> **VPS Discovery Value Portfolio:** <br> **Class B**<br> Investment Advisor: <br> AllianceBernstein L.P.<br>| 1.07% | 0.00% | **1.07%** | 2.64% | 8.48% | 8.27% |
| Equity | **AllianceBernstein Variable** <br> **Products Series Fund, Inc. - AB** <br> **VPS Relative Value Portfolio:** <br> **Class A**<br> Investment Advisor: <br> AllianceBernstein L.P.<br>| 0.59%\* | 0.00% | **0.59%** | 10.47% | 11.42% | 10.57% |
| Allocation | **ALPS Variable Investment Trust -** <br> **Morningstar Aggressive Growth** <br> **ETF Asset Allocation Portfolio:** <br> **Class II**<br> Investment Advisor: ALPS Advisors, <br> Inc.<br> Sub-Advisor: Morningstar <br> Investment Management LLC<br>| 0.85% | 0.00% | **0.85%** | 20.00% | 10.55% | 10.36% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **ALPS Variable Investment Trust -** <br> **Morningstar Balanced ETF Asset** <br> **Allocation Portfolio: Class II**<br> Investment Advisor: ALPS Advisors, <br> Inc.<br> Sub-Advisor: Morningstar <br> Investment Management LLC<br>| 0.84% | 0.00% | **0.84%** | 14.82% | 6.61% | 7.25% |
| Allocation | **ALPS Variable Investment Trust -** <br> **Morningstar Conservative ETF** <br> **Asset Allocation Portfolio: Class** <br> **II**<br> Investment Advisor: ALPS Advisors, <br> Inc.<br> Sub-Advisor: Morningstar <br> Investment Management LLC<br>| 0.83%\* | 0.00% | **0.83%** | 8.82% | 2.19% | 3.50% |
| Allocation | **ALPS Variable Investment Trust -** <br> **Morningstar Growth ETF Asset** <br> **Allocation Portfolio: Class II**<br> Investment Advisor: ALPS Advisors, <br> Inc.<br> Sub-Advisor: Morningstar <br> Investment Management LLC<br>| 0.82% | 0.00% | **0.82%** | 17.91% | 8.82% | 9.05% |
| Allocation | **ALPS Variable Investment Trust -** <br> **Morningstar Income & Growth** <br> **ETF Asset Allocation Portfolio:** <br> **Class II**<br> Investment Advisor: ALPS Advisors, <br> Inc.<br> Sub-Advisor: Morningstar <br> Investment Management LLC<br>| 0.84%\* | 0.00% | **0.84%** | 11.70% | 4.43% | 5.46% |
| Fixed Income | **American Funds Insurance** <br> **Series® - American Funds** <br> **Mortgage Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.81%\* | 0.00% | **0.81%** | 8.32% | 0.06% | 1.43% |
| Fixed Income | **American Funds Insurance** <br> **Series® - American High-Income** <br> **Trust: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.83%\* | 0.00% | **0.83%** | 7.94% | 5.33% | 6.68% |
| Allocation | **American Funds Insurance** <br> **Series® - Asset Allocation Fund:** <br> **Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.79% | 0.00% | **0.79%** | 15.59% | 8.70% | 9.50% |
| Allocation | **American Funds Insurance** <br> **Series® - Capital Income** <br> **Builder®: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.78%\* | 0.00% | **0.78%** | 20.16% | 8.82% | 7.32% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **American Funds Insurance** <br> **Series® - Capital World Bond** <br> **Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.98% | 0.00% | **0.98%** | 9.03% | -2.76% | 0.97% |
| Equity | **American Funds Insurance** <br> **Series® - Capital World Growth &** <br> **Income Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.92%\* | 0.00% | **0.92%** | 24.46% | 10.01% | 10.74% |
| Equity | **American Funds Insurance** <br> **Series® - Global Growth Fund:** <br> **Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.91%\* | 0.00% | **0.91%** | 21.34% | 7.97% | 11.89% |
| Equity | **American Funds Insurance** <br> **Series® - Global Small** <br> **Capitalization Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 1.15%\* | 0.00% | **1.15%** | 14.33% | 0.23% | 6.96% |
| Equity | **American Funds Insurance** <br> **Series® - Growth Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.84% | 0.00% | **0.84%** | 19.93% | 13.09% | 17.67% |
| Equity | **American Funds Insurance** <br> **Series® - Growth-Income Fund:** <br> **Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.78% | 0.00% | **0.78%** | 17.77% | 13.62% | 13.63% |
| Equity | **American Funds Insurance** <br> **Series® - International Growth &** <br> **Income Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 1.06% | 0.00% | **1.06%** | 35.09% | 7.42% | 7.54% |
| Allocation | **American Funds Insurance** <br> **Series® - Managed Risk Asset** <br> **Allocation Fund: Class P2**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.90% | 0.00% | **0.90%** | 11.65% | 6.43% | 7.17% |
| Allocation | **American Funds Insurance** <br> **Series® - Managed Risk** <br> **Washington Mutual Investors** <br> **Fund: Class P2**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.88% | 0.00% | **0.88%** | 10.65% | 8.04% | 7.18% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **American Funds Insurance** <br> **Series® - New World Fund®:** <br> **Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 1.07%\* | 0.00% | **1.07%** | 27.93% | 5.06% | 8.98% |
| Fixed Income | **American Funds Insurance** <br> **Series® - The Bond Fund of** <br> **America: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.73%\* | 0.00% | **0.73%** | 6.98% | -0.38% | 2.11% |
| Fixed Income | **American Funds Insurance** <br> **Series® - U.S. Government** <br> **Securities Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.75%\* | 0.00% | **0.75%** | 7.54% | -0.49% | 1.45% |
| Equity | **American Funds Insurance** <br> **Series® - Washington Mutual** <br> **Investors Fund: Class 4**<br> Investment Advisor: Capital <br> Research and Management <br> Company<br>| 0.75%\* | 0.00% | **0.75%** | 16.90% | 13.60% | 12.08% |
| Fixed Income | **BlackRock Variable Series Funds** <br> **II, Inc. - BlackRock High Yield V.I.** <br> **Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br> Sub-Advisor: BlackRock <br> International Limited<br>| 0.78%\* | 0.00% | **0.78%** | 8.52% | 4.47% | 6.02% |
| Fixed Income | **BlackRock Variable Series Funds** <br> **II, Inc. - BlackRock Total Return** <br> **V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br> Sub-Advisor: BlackRock <br> International Limited and BlackRock <br> (Singapore) Limited<br>| 0.74%\* | 0.00% | **0.74%** | 7.14% | -0.75% | 1.82% |
| Equity | **BlackRock Variable Series Funds,** <br> **Inc. - BlackRock Advantage Large** <br> **Cap Core V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br>| 0.92%\* | 0.00% | **0.92%** | 19.73% | 13.85% | 14.08% |
| Equity | **BlackRock Variable Series Funds,** <br> **Inc. - BlackRock Advantage Large** <br> **Cap Value V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br>| 0.85%\* | 0.00% | **0.85%** | 17.99% | 12.42% | 10.85% |
| Equity | **BlackRock Variable Series Funds,** <br> **Inc. - BlackRock Equity Dividend** <br> **V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br>| 0.93%\* | 0.00% | **0.93%** | 21.32% | 11.45% | 11.01% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **BlackRock Variable Series Funds,** <br> **Inc. - BlackRock Global** <br> **Allocation V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br> Sub-Advisor: BlackRock <br> International Limited and BlackRock <br> (Singapore) Limited<br>| 1.01%\* | 0.00% | **1.01%** | 19.51% | 5.51% | 7.33% |
| Equity | **BlackRock Variable Series Funds,** <br> **Inc. - BlackRock Large Cap Focus** <br> **Growth V.I. Fund: Class III**<br> Investment Advisor: BlackRock <br> Advisors, LLC<br>| 1.02%\* | 0.00% | **1.02%** | 11.48% | 10.19% | 15.98% |
| Equity | **BNY Mellon Investment Portfolios** <br> **- Small Cap Stock Index Portfolio:** <br> **Service Shares**<br> Investment Advisor: BNY Mellon <br> Investment Adviser, Inc.<br>| 0.61% | 0.00% | **0.61%** | 5.36% | 6.65% | 9.15% |
| Equity | **BNY Mellon Stock Index Fund,** <br> **Inc.: Initial Shares**<br> Investment Advisor: BNY Mellon <br> Investment Adviser, Inc.<br> Sub-Advisor: Mellon Investments <br> Corporation<br>| 0.27% | 0.25% | **0.52%** | 17.53% | 14.12% | 14.52% |
| Allocation | **Calvert Variable Series, Inc. -** <br> **Calvert VP SRI Balanced** <br> **Portfolio: Class F**<br> Investment Advisor: Calvert <br> Research and Management<br>| 0.90% | 0.00% | **0.90%** | 11.68% | 8.44% | 9.51% |
| Equity | **Columbia Funds Variable** <br> **Insurance Trust - Columbia** <br> **Variable Portfolio - Small** <br> **Company Growth Fund: Class 1** <br> **(formerly, Columbia Funds** <br> **Variable Series Trust II -** <br> **Columbia Variable Portfolio -** <br> **Select Small Cap Value Fund:** <br> **Class 1)**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.85%\* | 0.00% | **0.85%** | 6.59% | 8.94% | 8.23% |
| Fixed Income | **Columbia Funds Variable** <br> **Insurance Trust - Columbia** <br> **Variable Portfolio - Strategic** <br> **Income Fund: Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.94%\* | 0.00% | **0.94%** | 6.88% | 1.87% | 3.99% |
| Real Assets | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Commodity Strategy** <br> **Fund: Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 1.00%\* | 0.00% | **1.00%** | 15.30% | 12.44% | 6.46% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - High Yield Bond Fund:** <br> **Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.89%\* | 0.00% | **0.89%** | 8.49% | 3.93% | 5.51% |
| Fixed Income | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Select Corporate** <br> **Income Fund: Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.72%\* | 0.00% | **0.72%** | 7.55% | 1.20% | 1.94% |
| Equity | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Select Large Cap Value** <br> **Fund: Class 1**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.69% | 0.00% | **0.69%** | 28.27% | 13.59% | 12.58% |
| Equity | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Select Mid Cap Growth** <br> **Fund: Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 1.07%\* | 0.00% | **1.07%** | 14.86% | 7.26% | 11.89% |
| Fixed Income | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Select Short Corporate** <br> **Income Fund: Class 2**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 0.66%\* | 0.00% | **0.66%** | 6.00% | 1.90% | 2.94% |
| Equity | **Columbia Funds Variable Series** <br> **Trust II - Columbia Variable** <br> **Portfolio - Seligman Global** <br> **Technology: Class 2 (formerly,** <br> **Columbia Funds Variable** <br> **Insurance Trust II - Columbia** <br> **Variable Portfolio - Seligman** <br> **Global Technology: Class 2)**<br> Investment Advisor: Columbia <br> Management Investment Advisors, <br> LLC<br>| 1.18%\* | 0.00% | **1.18%** | 34.37% | 18.42% | 22.70% |
| Equity | **Delaware VIP Trust - Nomura VIP** <br> **Small Cap Value Series: Service** <br> **Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br>| 1.04% | 0.00% | **1.04%** | 7.83% | 8.93% | 8.84% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Alternative Strategies | **Deutsche DWS Variable Series II -** <br> **DWS Alternative Asset Allocation** <br> **VIP: Class B**<br> Investment Advisor: DWS <br> Investment Management Americas, <br> Inc.<br> Sub-Advisor: RREEF America <br> L.L.C.<br>| 1.26% | 0.00% | **1.26%** | 10.03% | 4.88% | 4.52% |
| Equity | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **Equity Allocation Portfolio:** <br> **Institutional Class**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br> Sub-Advisor: Dimensional Fund <br> Advisors Ltd. And DFA Australia <br> Limited<br>| 0.31%\* | 0.25% | **0.56%** | 19.94% | 12.23% |  |
| Fixed Income | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **Global Bond Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br> Sub-Advisor: Dimensional Fund <br> Advisors Ltd. And DFA Australia <br> Limited<br>| 0.21% | 0.25% | **0.46%** | 4.35% | 1.38% | 1.81% |
| Allocation | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **Global Moderate Allocation** <br> **Portfolio: Institutional Class**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br>| 0.28%\* | 0.25% | **0.53%** | 14.68% | 8.42% | 8.65% |
| Equity | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **International Small Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br> Sub-Advisor: Dimensional Fund <br> Advisors Ltd. And DFA Australia <br> Limited<br>| 0.39% | 0.25% | **0.64%** | 36.99% | 8.89% | 8.68% |
| Equity | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **International Value Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br> Sub-Advisor: Dimensional Fund <br> Advisors Ltd. And DFA Australia <br> Limited<br>| 0.27% | 0.25% | **0.52%** | 45.64% | 15.85% | 10.46% |
| Fixed Income | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA** <br> **Short-Term Fixed Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br> Sub-Advisor: Dimensional Fund <br> Advisors Ltd. And DFA Australia <br> Limited<br>| 0.12% | 0.25% | **0.37%** | 4.33% | 2.65% | 1.97% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA U.S.** <br> **Large Value Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br>| 0.21% | 0.25% | **0.46%** | 15.83% | 11.97% | 10.51% |
| Equity | **DFA Investment Dimensions** <br> **Group Inc. - Dimensional VA U.S.** <br> **Targeted Value Portfolio**<br> Investment Advisor: Dimensional <br> Fund Advisors LP<br>| 0.29% | 0.25% | **0.54%** | 8.95% | 13.60% | 11.00% |
| Fixed Income | **Federated Hermes Insurance** <br> **Series - Federated Hermes High** <br> **Income Bond Fund II: Primary** <br> **Shares**<br> Investment Advisor: Federated <br> Investment Management Company<br>| 0.81%\* | 0.00% | **0.81%** | 8.23% | 3.70% | 5.59% |
| Allocation | **Fidelity Variable Insurance** <br> **Products Fund - VIP Balanced** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.66% | 0.00% | **0.66%** | 14.96% | 9.24% | 10.84% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Contrafund®** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.79% | 0.00% | **0.79%** | 21.19% | 15.08% | 15.49% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Disciplined** <br> **Small Cap Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br>| 0.57% | 0.00% | **0.57%** | 17.09% | 10.09% | 10.31% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Energy** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.85% | 0.00% | **0.85%** | 10.34% | 23.86% | 7.69% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Equity-**<br> **Income Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.71% | 0.00% | **0.71%** | 18.75% | 12.23% | 11.32% |
| Fixed Income | **Fidelity Variable Insurance** <br> **Products Fund - VIP Floating Rate** <br> **High Income Portfolio: Initial** <br> **Class**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.73% | 0.00% | **0.73%** | 5.33% | 6.06% | 5.44% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Growth &** <br> **Income Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.72% | 0.00% | **0.72%** | 21.21% | 15.83% | 13.56% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Growth** <br> **Opportunities Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.81% | 0.00% | **0.81%** | 21.65% | 11.03% | 19.64% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Growth** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.80% | 0.00% | **0.80%** | 14.61% | 13.41% | 17.15% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Fidelity Variable Insurance** <br> **Products Fund - VIP High Income** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 1.06%\* | 0.00% | **1.06%** | 10.31% | 4.00% | 5.34% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP International** <br> **Capital Appreciation Portfolio:** <br> **Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FIL Investment <br> Advisors, FIL Investment Advisors <br> (UK) Limited, FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 1.02% | 0.00% | **1.02%** | 18.36% | 5.99% | 9.53% |
| Fixed Income | **Fidelity Variable Insurance** <br> **Products Fund - VIP Investment** <br> **Grade Bond Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.62% | 0.00% | **0.62%** | 6.93% | -0.21% | 2.45% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Mid Cap** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.80% | 0.00% | **0.80%** | 11.49% | 9.83% | 10.31% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Overseas** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FIL Investment <br> Advisors, FIL Investment Advisors <br> (UK) Limited, FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.97% | 0.00% | **0.97%** | 20.05% | 6.35% | 7.66% |
| Fixed Income | **Fidelity Variable Insurance** <br> **Products Fund - VIP Strategic** <br> **Income Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FIL Investment <br> Advisors, FIL Investment Advisors <br> (UK) Limited, FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.88% | 0.00% | **0.88%** | 8.58% | 2.79% | 4.40% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Value** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.70% | 0.00% | **0.70%** | 10.95% | 12.82% | 10.96% |
| Equity | **Fidelity Variable Insurance** <br> **Products Fund - VIP Value** <br> **Strategies Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity <br> Management & Research Company <br> LLC<br> Sub-Advisor: FMR Investment <br> Management (UK) Limited, Fidelity <br> Management & Research (Hong <br> Kong) Limited, Fidelity Management <br> & Research (Japan) Limited<br>| 0.84% | 0.00% | **0.84%** | 7.70% | 11.87% | 10.54% |
| Equity | **First Eagle Variable Funds -** <br> **Overseas Variable Fund**<br> Investment Advisor: First Eagle <br> Investment Management, LLC<br>| 1.21%\* | 0.00% | **1.21%** | 37.47% | 9.02% | 7.61% |
| Equity | **Franklin Templeton Variable** <br> **Insurance Products Trust -** <br> **Franklin Global Real Estate VIP** <br> **Fund: Class 2**<br> Investment Advisor: Franklin <br> Advisers, Inc.<br>| 1.25%\* | 0.00% | **1.25%** | 7.93% | 2.36% | 3.03% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Franklin Templeton Variable** <br> **Insurance Products Trust -** <br> **Franklin Rising Dividends VIP** <br> **Fund: Class 2**<br> Investment Advisor: Franklin <br> Advisers, Inc.<br>| 0.89% | 0.00% | **0.89%** | 11.80% | 9.50% | 12.10% |
| Fixed Income | **Franklin Templeton Variable** <br> **Insurance Products Trust -** <br> **Franklin U.S. Government** <br> **Securities VIP Fund: Class 2**<br> Investment Advisor: Franklin <br> Advisers, Inc.<br>| 0.79% | 0.00% | **0.79%** | 6.69% | 0.02% | 1.14% |
| Equity | **Goldman Sachs Variable** <br> **Insurance Trust - Goldman Sachs** <br> **Mid Cap Growth Fund: Service** <br> **Shares**<br> Investment Advisor: Goldman Sachs <br> Asset Management, L.P.<br>| 0.98%\* | 0.00% | **0.98%** | 7.36% | 4.68% | 11.59% |
| Fixed Income | **Guggenheim Variable Funds** <br> **Trust - Series E (Total Return** <br> **Bond Series)**<br> Investment Advisor: Guggenheim <br> Investments<br>| 0.91%\* | 0.00% | **0.91%** | 7.48% | -0.21% | 3.13% |
| Fixed Income | **Guggenheim Variable Funds** <br> **Trust - Series F (Floating Rate** <br> **Strategies Series)**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.15%\* | 0.00% | **1.15%** | 3.57% | 4.56% | 4.13% |
| Equity | **Invesco - Invesco V.I. American** <br> **Value Fund: Series II Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 1.14% | 0.00% | **1.14%** | 20.76% | 17.56% | 12.01% |
| Equity | **Invesco - Invesco V.I. Comstock** <br> **Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.75% | 0.00% | **0.75%** | 17.44% | 15.43% | 11.95% |
| Fixed Income | **Invesco - Invesco V.I. Core Plus** <br> **Bond Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.62%\* | 0.00% | **0.62%** | 7.09% | -0.11% | 2.99% |
| Equity | **Invesco - Invesco V.I. Discovery** <br> **Mid Cap Growth Fund: Series II**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 1.11% | 0.00% | **1.11%** | 4.53% | 3.64% | 11.10% |
| Allocation | **Invesco - Invesco V.I. Equity and** <br> **Income Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.57% | 0.00% | **0.57%** | 12.81% | 8.94% | 8.92% |
| Fixed Income | **Invesco - Invesco V.I. Global** <br> **Strategic Income Fund: Series II**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 1.20%\* | 0.00% | **1.20%** | 12.75% | 1.39% | 2.76% |
| Fixed Income | **Invesco - Invesco V.I.** <br> **Government Securities Fund:** <br> **Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.70% | 0.00% | **0.70%** | 7.37% | 0.04% | 1.60% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Invesco - Invesco V.I. Growth and** <br> **Income Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.75% | 0.00% | **0.75%** | 15.62% | 12.85% | 10.73% |
| Equity | **Invesco - Invesco V.I. Health Care** <br> **Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.99% | 0.00% | **0.99%** | 15.33% | 3.80% | 6.58% |
| Fixed Income | **Invesco - Invesco V.I. High Yield** <br> **Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.92% | 0.00% | **0.92%** | 6.73% | 3.64% | 4.83% |
| Equity | **Invesco - Invesco V.I. Technology** <br> **Fund: Series I Shares**<br> Investment Advisor: Invesco <br> Advisers, Inc.<br>| 0.96% | 0.00% | **0.96%** | 20.47% | 10.30% | 15.78% |
| Allocation | **Ivy Variable Insurance Portfolios -** <br> **Nomura VIP Asset Strategy** <br> **Series: Service Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br> Sub-Advisor: Macquarie Investment <br> Management Global Limited<br>| 0.77%\* | 0.00% | **0.77%** | 16.66% | 7.07% | 7.84% |
| Allocation | **Ivy Variable Insurance Portfolios -** <br> **Nomura VIP Balanced Series:** <br> **Service Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br> Sub-Advisor: Macquarie Investment <br> Management Global Limited<br>| 1.03%\* | 0.00% | **1.03%** | 11.79% | 7.85% | 8.38% |
| Equity | **Ivy Variable Insurance Portfolios -** <br> **Nomura VIP Energy Series:** <br> **Service Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br> Sub-Advisor: Van Eck Associates <br> Corporation<br>| 1.10%\* | 0.00% | **1.10%** | 11.89% | 18.61% | 1.74% |
| Equity | **Ivy Variable Insurance Portfolios -** <br> **Nomura VIP Natural Resources** <br> **Series: Service Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br> Sub-Advisor: Van Eck Associates <br> Corporation<br>| 1.12%\* | 0.00% | **1.12%** | 37.75% | 15.73% | 6.94% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Ivy Variable Insurance Portfolios -** <br> **Nomura VIP Science and** <br> **Technology Series: Service Class**<br> Investment Advisor: Delaware <br> Management Company, a series of <br> Nomura Investment Management <br> Business Trust (a Delaware <br> statutory trust)<br>| 1.15% | 0.00% | **1.15%** | 33.36% | 13.71% | 17.20% |
| Allocation | **Janus Aspen Series - Janus** <br> **Henderson Balanced Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.62% | 0.00% | **0.62%** | 15.11% | 8.48% | 10.14% |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Enterprise Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.72% | 0.00% | **0.72%** | 7.67% | 7.62% | 12.79% |
| Fixed Income | **Janus Aspen Series - Janus** <br> **Henderson Flexible Bond** <br> **Portfolio: Service Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.82%\* | 0.00% | **0.82%** | 7.22% | -0.47% | 2.07% |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Forty Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.62% | 0.00% | **0.62%** | 18.14% | 11.65% | 16.24% |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Global Research** <br> **Portfolio: Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.82% | 0.00% | **0.82%** | 20.92% | 12.51% | 12.93% |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Global Sustainable** <br> **Equity Portfolio: Institutional** <br> **Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.74%\* | 0.00% | **0.74%** | 17.46% |  |  |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Overseas Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.72% | 0.00% | **0.72%** | 28.87% | 9.44% | 9.24% |
| Equity | **Janus Aspen Series - Janus** <br> **Henderson Research Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus <br> Henderson Investors US LLC<br>| 0.82% | 0.00% | **0.82%** | 18.39% | 14.11% | 15.88% |
| Equity | **John Hancock Variable Insurance** <br> **Trust - Disciplined Value** <br> **Emerging Markets Equity Trust:** <br> **Series NAV**<br> Investment Advisor: John Hancock <br> Variable Trust Advisers LLC<br> Sub-Advisor: Boston Partners <br> Global Investors, Inc.<br>| 0.99%\* | 0.10% | **1.09%** | 32.00% | 7.83% | 8.56% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Legg Mason Partners Variable** <br> **Equity Trust - ClearBridge** <br> **Variable Small Cap Growth** <br> **Portfolio: Class II**<br> Investment Advisor: Franklin <br> Templeton Fund Adviser, LLC<br> Sub-Advisor: ClearBridge <br> Investments, LLC<br>| 1.06% | 0.00% | **1.06%** | 8.97% | -0.42% | 9.11% |
| Fixed Income | **Lord Abbett Series Fund, Inc. -** <br> **Bond Debenture Portfolio: Class** <br> **VC**<br> Investment Advisor: Lord, Abbett & <br> Co. LLC<br>| 0.98% | 0.00% | **0.98%** | 8.32% | 2.09% | 4.72% |
| Equity | **Lord Abbett Series Fund, Inc. -** <br> **Dividend Growth Portfolio: Class** <br> **VC**<br> Investment Advisor: Lord, Abbett & <br> Co. LLC<br>| 0.99%\* | 0.00% | **0.99%** | 15.98% | 12.34% | 13.06% |
| Equity | **Lord Abbett Series Fund, Inc. -** <br> **Growth and Income Portfolio:** <br> **Class VC**<br> Investment Advisor: Lord, Abbett & <br> Co. LLC<br>| 0.93% | 0.00% | **0.93%** | 17.29% | 13.35% | 11.12% |
| Equity | **MFS® Variable Insurance Trust -** <br> **MFS Growth Series: Service** <br> **Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 0.98%\* | 0.00% | **0.98%** | 11.90% | 10.82% | 15.31% |
| Equity | **MFS® Variable Insurance Trust -** <br> **MFS New Discovery Series:** <br> **Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.12%\* | 0.00% | **1.12%** | 12.56% | -0.54% | 10.46% |
| Equity | **MFS® Variable Insurance Trust -** <br> **MFS Value Series: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 0.94%\* | 0.00% | **0.94%** | 12.77% | 9.69% | 9.77% |
| Equity | **MFS® Variable Insurance Trust II** <br> **- MFS International Growth** <br> **Portfolio: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.13%\* | 0.00% | **1.13%** | 20.81% | 6.80% | 9.60% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Allspring Discovery** <br> **Fund: Class II**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Allspring Global <br> Investments, LLC<br>| 1.08%\* | 0.00% | **1.08%** | 5.62% | -2.35% | 9.38% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT BNY Mellon Dynamic** <br> **U.S. Core Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Newton Investment <br> Management Limited<br>| 0.62%\* | 0.00% | **0.62%** | 17.18% | 12.58% | 14.44% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT BNY Mellon Dynamic** <br> **U.S. Equity Income: Class X**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Newton Investment <br> Management Limited<br>| 0.63%\* | 0.00% | **0.63%** | 18.81% | 14.80% | 11.79% |
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT Bond Index Fund:** <br> **Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.24% | 0.00% | **0.24%** | 7.06% | -0.59% | 1.79% |
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT DoubleLine Total** <br> **Return Tactical Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: DoubleLine Capital LP<br>| 0.58%\* | 0.00% | **0.58%** | 7.69% | 0.62% |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Fidelity Institutional** <br> **AM® Emerging Markets Fund:** <br> **Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: FIAM LLC<br>| 1.12%\* | 0.00% | **1.12%** | 36.15% | 1.01% | 6.31% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Fidelity Institutional** <br> **AM® Worldwide Fund: Class II**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: FIAM LLC<br>| 1.05%\* | 0.00% | **1.05%** |  |  |  |
| Capital Preservation | **Nationwide Variable Insurance** <br> **Trust - NVIT Government Money** <br> **Market Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Federated Investment <br> Management Company<br>| 0.32% | 0.00% | **0.32%** | 4.07% | 3.06% | 1.93% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT International Equity** <br> **Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Lazard Asset <br> Management LLC<br>| 0.88%\* | 0.00% | **0.88%** | 39.29% | 12.79% | 9.94% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT International Index** <br> **Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.32% | 0.00% | **0.32%** | 30.94% | 8.68% | 8.07% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Nationwide Variable Insurance** <br> **Trust - NVIT Investor Destinations** <br> **Capital Appreciation Fund: Class** <br> **P**<br> Investment Advisor: Nationwide <br> Fund Advisors<br>| 0.82% | 0.00% | **0.82%** | 15.88% | 6.75% | 8.02% |
| Allocation | **Nationwide Variable Insurance** <br> **Trust - NVIT Investor Destinations** <br> **Moderate Fund: Class P**<br> Investment Advisor: Nationwide <br> Fund Advisors<br>| 0.82% | 0.00% | **0.82%** | 14.68% | 5.83% | 7.09% |
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT iShares® Fixed** <br> **Income ETF Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.22%\* | 0.00% | **0.22%** | 6.88% | -0.46% |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT iShares® Global** <br> **Equity ETF Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.25%\* | 0.00% | **0.25%** | 18.57% | 11.40% |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT J.P. Morgan Digital** <br> **Evolution Strategy Fund: Class II**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 0.96%\* | 0.00% | **0.96%** | 32.66% |  |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT J.P. Morgan Equity** <br> **and Options Total Return Fund:** <br> **Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 0.79% | 0.00% | **0.79%** | 16.49% | 9.85% | 11.85% |
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT J.P. Morgan Inflation** <br> **Managed Fund: Class II**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 0.75%\* | 0.00% | **0.75%** |  |  |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Jacobs Levy Large** <br> **Cap Growth Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Jacobs Levy Equity <br> Management, Inc.<br>| 0.70%\* | 0.00% | **0.70%** | 14.20% | 19.09% | 18.02% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT Loomis Core Bond** <br> **Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Loomis, Sayles & <br> Company, L.P.<br>| 0.43% | 0.00% | **0.43%** | 7.03% | -0.62% | 2.23% |
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT Loomis Short Term** <br> **Bond Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Loomis, Sayles & <br> Company, L.P.<br>| 0.55% | 0.00% | **0.55%** | 5.70% | 2.13% | 2.38% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Mid Cap Index Fund:** <br> **Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.26% | 0.00% | **0.26%** | 7.27% | 8.87% | 10.46% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT NASDAQ-100 Index** <br> **Fund: Class II**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.72%\* | 0.00% | **0.72%** |  |  |  |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Putnam International** <br> **Value Fund: Class X**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Putnam Investment <br> Management, LLC<br>| 0.83%\* | 0.00% | **0.83%** | 35.21% | 11.20% | 7.72% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT S&P 500 Index Fund:** <br> **Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.16% | 0.00% | **0.16%** | 17.70% | 14.25% | 14.64% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Small Cap Index** <br> **Fund: Class Y**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.25% | 0.00% | **0.25%** | 12.54% | 5.91% | 9.46% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Small Cap Value** <br> **Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Jacobs Levy Equity <br> Management, Inc.<br>| 1.06%\* | 0.00% | **1.06%** | 2.17% | 8.01% | 7.69% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Nationwide Variable Insurance** <br> **Trust - NVIT Strategic Income** <br> **Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Amundi Asset <br> Management, US<br>| 0.80% | 0.00% | **0.80%** | 7.56% | 5.81% | 5.45% |
| Equity | **Nationwide Variable Insurance** <br> **Trust - NVIT Victory Mid Cap** <br> **Value Fund: Class I**<br> Investment Advisor: Nationwide <br> Fund Advisors<br> Sub-Advisor: Victory Capital <br> Management Inc.<br>| 0.85%\* | 0.00% | **0.85%** | 2.39% | 7.91% | 7.66% |
| Equity | **Neuberger Berman Advisers** <br> **Management Trust - Mid-Cap** <br> **Growth Portfolio: Class I Shares**<br> Investment Advisor: Neuberger <br> Berman Investment Advisers LLC<br>| 0.86%\* | 0.00% | **0.86%** | 5.45% | 4.47% | 10.96% |
| Fixed Income | **Neuberger Berman Advisers** <br> **Management Trust - Short** <br> **Duration Bond Portfolio: Class I** <br> **Shares**<br> Investment Advisor: Neuberger <br> Berman Investment Advisers LLC<br>| 0.93% | 0.00% | **0.93%** | 5.71% | 2.56% | 2.30% |
| Equity | **New Age Alpha Variable Funds** <br> **Trust - NAA Large Core Series**<br> Investment Advisor: New Age Alpha <br> Advisors, LLC<br>| 0.94%\* | 0.00% | **0.94%** | 16.43% | 13.65% | 14.25% |
| Equity | **New Age Alpha Variable Funds** <br> **Trust - NAA Large Growth Series**<br> Investment Advisor: New Age Alpha <br> Advisors, LLC<br>| 1.01%\* | 0.00% | **1.01%** | 17.02% | 13.89% | 17.04% |
| Equity | **New Age Alpha Variable Funds** <br> **Trust - NAA Mid Growth Series**<br> Investment Advisor: New Age Alpha <br> Advisors, LLC<br>| 1.07%\* | 0.00% | **1.07%** | 2.17% | 4.48% | 10.63% |
| Equity | **New Age Alpha Variable Funds** <br> **Trust - NAA Small Cap Value** <br> **Series**<br> Investment Advisor: New Age Alpha <br> Advisors, LLC<br>| 1.17%\* | 0.00% | **1.17%** | 3.30% | 8.47% | 7.65% |
| Hybrid Securities | **New York Life Investments VP** <br> **Funds Trust - NYLIM VP MacKay** <br> **Convertible Portfolio: Service** <br> **Class (formerly, New York Life** <br> **Investments VP Funds Trust -** <br> **NYLI VP MacKay Convertible** <br> **Portfolio: Service Class)**<br> Investment Advisor: New York Life <br> Investment Management LLC<br> Sub-Advisor: MacKay Shields LLC<br>| 0.82% | 0.00% | **0.82%** | 16.11% | 5.34% | 10.10% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Northern Lights Variable Trust -** <br> **DF Tactical Momentum VIT Fund:** <br> **Class 1 (formerly, Northern Lights** <br> **Variable Trust - Donoghue** <br> **Forlines Momentum VIT Fund:** <br> **Class 1)**<br> Investment Advisor: Donoghue <br> Forlines LLC<br>| 1.56% | 0.00% | **1.56%** | 23.52% | 12.83% | 9.23% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS Aggressive ETF Portfolio:** <br> **Class 2 (formerly, Northern Lights** <br> **Variable Trust - TOPS®** <br> **Aggressive Growth ETF Portfolio:** <br> **Class 2)**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.54% | 0.00% | **0.54%** | 18.83% | 9.41% | 10.43% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS Managed Risk Moderate** <br> **ETF Portfolio: Class 2 (formerly,** <br> **Northern Lights Variable Trust -** <br> **TOPS® Managed Risk Moderate** <br> **Growth ETF Portfolio: Class 2)**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.75% | 0.00% | **0.75%** | 10.36% | 4.74% | 5.72% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS Managed Risk Moderately** <br> **Aggressive ETF Portfolio: Class 2** <br> **(formerly, Northern Lights** <br> **Variable Trust - TOPS® Managed** <br> **Risk Growth ETF Portfolio: Class** <br> **2)**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.75% | 0.00% | **0.75%** | 11.65% | 5.36% | 6.13% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS Moderate ETF Portfolio:** <br> **Class 2 (formerly, Northern Lights** <br> **Variable Trust - TOPS® Moderate** <br> **Growth ETF Portfolio: Class 2)**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.53% | 0.00% | **0.53%** | 15.13% | 6.92% | 7.99% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS Moderately Aggressive ETF** <br> **Portfolio: Class 2 (formerly,** <br> **Northern Lights Variable Trust -** <br> **TOPS® Growth ETF Portfolio:** <br> **Class 2)**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.54% | 0.00% | **0.54%** | 17.99% | 8.56% | 9.53% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS® Balanced ETF Portfolio:** <br> **Class 2**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.54% | 0.00% | **0.54%** | 12.85% | 5.52% | 6.39% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS® Conservative ETF** <br> **Portfolio: Class 2**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.56% | 0.00% | **0.56%** | 10.15% | 4.34% | 4.99% |
| Allocation | **Northern Lights Variable Trust -** <br> **TOPS® Managed Risk Balanced** <br> **ETF Portfolio: Class 2**<br> Investment Advisor: ValMark <br> Advisers, Inc.<br> Sub-Advisor: Milliman Financial Risk <br> Management, LLC<br>| 0.76% | 0.00% | **0.76%** | 9.03% | 3.84% | 4.92% |
| Allocation | **PIMCO Variable Insurance Trust -** <br> **All Asset Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br> Sub-Advisor: Research Affiliates, <br> LLC<br>| 2.13%\* | 0.00% | **2.13%** | 14.20% | 5.60% | 6.77% |
| Real Assets | **PIMCO Variable Insurance Trust -** <br> **CommodityRealReturn® Strategy** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 3.19%\* | 0.00% | **3.19%** | 18.79% | 10.55% | 6.54% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Dynamic Bond Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.06% | 0.00% | **1.06%** | 8.11% | 3.01% | 3.55% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Emerging Markets Bond** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.17% | 0.00% | **1.17%** | 14.98% | 2.44% | 5.06% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Global Bond Opportunities** <br> **Portfolio (Unhedged):** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.15% | 0.00% | **1.15%** | 12.75% | 0.15% | 2.46% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Global Core Bond (Hedged)** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.13% | 0.00% | **1.13%** | 6.72% | 0.78% | 3.16% |
| Allocation | **PIMCO Variable Insurance Trust -** <br> **Global Managed Asset Allocation** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.21%\* | 0.00% | **1.21%** | 22.00% | 7.04% | 7.99% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **High Yield Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.81% | 0.00% | **0.81%** | 8.95% | 3.97% | 5.57% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Income Portfolio: Administrative** <br> **Class**<br> Investment Advisor: PIMCO<br>| 0.92% | 0.00% | **0.92%** | 10.19% | 3.41% |  |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **International Bond Portfolio (U.S.** <br> **Dollar-Hedged): Administrative** <br> **Class**<br> Investment Advisor: PIMCO<br>| 1.09% | 0.00% | **1.09%** | 3.95% | 1.03% | 2.88% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Long-Term U.S. Government** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 2.48% | 0.00% | **2.48%** | 6.29% | -6.79% | 0.02% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Real Return Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.39% | 0.00% | **1.39%** | 7.85% | 1.21% | 3.21% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Short-Term Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.65% | 0.00% | **0.65%** | 4.67% | 3.25% | 2.76% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Total Return Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.73% | 0.00% | **0.73%** | 8.89% | 0.02% | 2.36% |
| Fixed Income | **ProFunds - ProFund Access VP** <br> **High Yield Fund**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.64% | 0.00% | **1.64%** | 6.24% | 2.85% | 3.92% |
| Equity | **ProFunds - ProFund VP Asia 30**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 24.12% | -2.32% | 5.18% |
| Equity | **ProFunds - ProFund VP Banks**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 10.53% | 9.89% | 8.26% |
| Equity | **ProFunds - ProFund VP** <br> **Biotechnology**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.60% | 0.00% | **1.60%** | 34.03% | 9.50% | 7.41% |
| Equity | **ProFunds - ProFund VP Bull**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68% | 0.00% | **1.68%** | 15.56% | 12.18% | 12.55% |
| Equity | **ProFunds - ProFund VP** <br> **Communication Services**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 20.91% | 14.55% | 8.97% |
| Equity | **ProFunds - ProFund VP** <br> **Consumer Discretionary**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 5.51% | 5.53% | 10.01% |
| Equity | **ProFunds - ProFund VP** <br> **Consumer Staples**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | -0.17% | 0.62% | 5.67% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **ProFunds - ProFund VP Emerging** <br> **Markets**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 36.13% | 3.07% | 8.66% |
| Equity | **ProFunds - ProFund VP Energy**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 5.86% | 21.01% | 5.88% |
| Equity | **ProFunds - ProFund VP Europe** <br> **30**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 29.59% | 12.78% | 8.01% |
| Equity | **ProFunds - ProFund VP** <br> **Financials**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 12.90% | 12.77% | 11.04% |
| Equity | **ProFunds - ProFund VP Health** <br> **Care**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 12.56% | 5.50% | 8.02% |
| Equity | **ProFunds - ProFund VP** <br> **Industrials**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 17.25% | 9.11% | 11.45% |
| Equity | **ProFunds - ProFund VP** <br> **International**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.67% | 0.00% | **1.67%** | 27.97% | 6.29% | 5.60% |
| Equity | **ProFunds - ProFund VP Internet**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 9.13% | 3.71% | 12.40% |
| Equity | **ProFunds - ProFund VP Japan**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68% | 0.00% | **1.68%** | 30.69% | 14.99% | 11.39% |
| Equity | **ProFunds - ProFund VP Large-**<br> **Cap Growth**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 19.96% | 13.07% | 14.95% |
| Equity | **ProFunds - ProFund VP Large-**<br> **Cap Value**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 11.37% | 11.09% | 9.89% |
| Equity | **ProFunds - ProFund VP Materials**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 8.05% | 6.41% | 8.42% |
| Equity | **ProFunds - ProFund VP Mid-Cap** <br> **Growth**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 5.67% | 5.32% | 8.63% |
| Equity | **ProFunds - ProFund VP Mid-Cap** <br> **Value**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 5.84% | 9.19% | 8.92% |
| Equity | **ProFunds - ProFund VP Mid-Cap**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68% | 0.00% | **1.68%** | 4.78% | 6.63% | 8.22% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **ProFunds - ProFund VP** <br> **NASDAQ-100**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68% | 0.00% | **1.68%** | 18.62% | 12.94% | 17.28% |
| Equity | **ProFunds - ProFund VP** <br> **Pharmaceuticals**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 29.34% | 5.70% | 5.37% |
| Equity | **ProFunds - ProFund VP Precious** <br> **Metals**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68% | 0.00% | **1.68%** | 150.31% | 17.01% | 18.89% |
| Equity | **ProFunds - ProFund VP Real** <br> **Estate**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 0.63% | 2.85% | 3.95% |
| Equity | **ProFunds - ProFund VP** <br> **Semiconductor**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.64% | 0.00% | **1.64%** | 41.70% | 34.17% | 30.80% |
| Equity | **ProFunds - ProFund VP Small-**<br> **Cap Growth**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 3.62% | 3.79% | 7.98% |
| Equity | **ProFunds - ProFund VP Small-**<br> **Cap Value**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 5.00% | 7.17% | 7.81% |
| Equity | **ProFunds - ProFund VP Small-**<br> **Cap**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 10.86% | 4.23% | 7.63% |
| Equity | **ProFunds - ProFund VP** <br> **Technology**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.58% | 0.00% | **1.58%** | 22.60% | 15.01% | 20.16% |
| Equity | **ProFunds - ProFund VP Utilities**<br> Investment Advisor: ProFund <br> Advisors LLC<br>| 1.68%\* | 0.00% | **1.68%** | 13.98% | 7.78% | 8.61% |
| Fixed Income | **Putnam Variable Trust - Putnam** <br> **VT High Yield Fund: Class IB**<br> Investment Advisor: Franklin <br> Advisers, Inc.<br> Sub-Advisor: Putnam Investment <br> Management, LLC, Franklin <br> Templeton Investment Management <br> Limited<br>| 0.96% | 0.00% | **0.96%** | 8.67% | 4.05% | 5.70% |
| Equity | **Putnam Variable Trust - Putnam** <br> **VT Large Cap Value Fund: Class** <br> **IB**<br> Investment Advisor: Putnam <br> Investment Management, LLC<br> Sub-Advisor: Franklin Advisers, Inc., <br> Franklin Templeton Investment <br> Management Limited<br>| 0.79% | 0.00% | **0.79%** | 20.35% | 15.38% | 13.30% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Putnam Variable Trust - Putnam** <br> **VT Sustainable Leaders Fund:** <br> **Class IB**<br> Investment Advisor: Putnam <br> Investment Management, LLC<br> Sub-Advisor: Franklin Advisers, Inc., <br> Franklin Templeton Investment <br> Management Limited<br>| 0.88% | 0.00% | **0.88%** | 10.69% | 10.34% | 14.69% |
| Equity | **Royce Capital Fund - Royce** <br> **Micro-Cap Portfolio: Investment** <br> **Class**<br> Investment Advisor: Royce & <br> Associates, LP<br>| 1.22% | 0.00% | **1.22%** | 13.89% | 9.17% | 10.14% |
| Equity | **Royce Capital Fund - Royce** <br> **Small-Cap Portfolio: Investment** <br> **Class**<br> Investment Advisor: Royce & <br> Associates, LP<br>| 1.18% | 0.00% | **1.18%** | 8.93% | 10.66% | 7.88% |
| Equity | **Rydex Variable Trust - Banking** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 23.74% | 11.68% | 8.98% |
| Equity | **Rydex Variable Trust - Basic** <br> **Materials Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 32.89% | 9.42% | 11.58% |
| Equity | **Rydex Variable Trust -** <br> **Biotechnology Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 30.12% | 3.55% | 5.42% |
| Real Assets | **Rydex Variable Trust -** <br> **Commodities Strategy Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.73%\* | 0.00% | **1.73%** | 4.89% | 12.80% | 4.76% |
| Equity | **Rydex Variable Trust -** <br> **Electronics Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 41.49% | 18.80% | 23.66% |
| Equity | **Rydex Variable Trust - Energy** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 7.51% | 19.52% | 4.64% |
| Equity | **Rydex Variable Trust - Energy** <br> **Services Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 1.75% | 10.39% | -5.65% |
| Equity | **Rydex Variable Trust - Financial** <br> **Services Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.83%\* | 0.00% | **1.83%** | 10.76% | 11.31% | 9.88% |
| Alternative Strategies | **Rydex Variable Trust - Global** <br> **Managed Futures Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 2.18%\* | 0.00% | **2.18%** | 3.65% | 3.94% | 1.27% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Rydex Variable Trust - Health** <br> **Care Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 14.07% | 4.64% | 7.44% |
| Fixed Income | **Rydex Variable Trust - High Yield** <br> **Strategy Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.73%\* | 0.00% | **1.73%** | 9.87% | 3.52% | 4.77% |
| Equity | **Rydex Variable Trust - Internet** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 18.50% | 2.54% | 11.93% |
| Equity | **Rydex Variable Trust - Leisure** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 8.48% | 2.50% | 7.27% |
| Equity | **Rydex Variable Trust - NASDAQ-**<br> **100® Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.76%\* | 0.00% | **1.76%** | 19.04% | 13.32% | 17.60% |
| Equity | **Rydex Variable Trust - Precious** <br> **Metals Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.68%\* | 0.00% | **1.68%** | 147.37% | 17.52% | 21.08% |
| Equity | **Rydex Variable Trust - Real** <br> **Estate Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 2.88% | 3.02% | 4.00% |
| Equity | **Rydex Variable Trust - Retailing** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 10.18% | 4.22% | 9.19% |
| Equity | **Rydex Variable Trust - S&P 500** <br> **Pure Growth Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 11.75% | 6.62% | 10.34% |
| Equity | **Rydex Variable Trust - S&P 500** <br> **Pure Value Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 16.02% | 12.00% | 8.64% |
| Equity | **Rydex Variable Trust - S&P** <br> **MidCap 400 Pure Growth Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 7.18% | 4.39% | 6.85% |
| Equity | **Rydex Variable Trust - S&P** <br> **MidCap 400 Pure Value Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 6.12% | 12.00% | 10.60% |
| Equity | **Rydex Variable Trust - S&P** <br> **SmallCap 600 Pure Growth Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 8.59% | 2.89% | 6.53% |
| Equity | **Rydex Variable Trust - S&P** <br> **SmallCap 600 Pure Value Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.69%\* | 0.00% | **1.69%** | 6.77% | 12.03% | 7.65% |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Rydex Variable Trust -** <br> **Technology Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 25.70% | 12.27% | 18.37% |
| Equity | **Rydex Variable Trust -** <br> **Telecommunications Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 31.13% | 5.45% | 6.64% |
| Equity | **Rydex Variable Trust -** <br> **Transportation Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 11.77% | 2.32% | 8.06% |
| Equity | **Rydex Variable Trust - Utilities** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.79%\* | 0.00% | **1.79%** | 17.07% | 8.56% | 8.60% |
| Equity | **T. Rowe Price Equity Series, Inc. -** <br> **T. Rowe Price Blue Chip Growth** <br> **Portfolio: II**<br> Investment Advisor: T. Rowe Price <br> Associates, Inc.<br>| 1.00% | 0.00% | **1.00%** | 18.43% | 11.41% | 15.25% |
| Equity | **T. Rowe Price Equity Series, Inc. -** <br> **T. Rowe Price Health Sciences** <br> **Portfolio: II**<br> Investment Advisor: T. Rowe Price <br> Associates, Inc.<br>| 1.11% | 0.00% | **1.11%** | 17.80% | 3.86% | 8.70% |
| Equity | **Third Avenue Variable Series** <br> **Trust - Third Avenue Value** <br> **Portfolio**<br> Investment Advisor: Third Avenue <br> Management LLC<br>| 1.30%\* | 0.00% | **1.30%** | 34.85% | 17.58% | 9.66% |
| Fixed Income | **VanEck VIP Trust - VanEck VIP** <br> **Emerging Markets Bond Fund:** <br> **Initial Class**<br> Investment Advisor: Van Eck <br> Associates Corporation<br>| 1.10%\* | 0.00% | **1.10%** | 18.49% | 3.91% | 5.24% |
| Equity | **VanEck VIP Trust - VanEck VIP** <br> **Global Gold Fund: Class S**<br> Investment Advisor: Van Eck <br> Associates Corporation<br>| 1.45%\* | 0.00% | **1.45%** | 164.43% | 20.00% | 20.88% |
| Equity | **VanEck VIP Trust - VanEck VIP** <br> **Global Resources Fund: Initial** <br> **Class**<br> Investment Advisor: Van Eck <br> Associates Corporation<br>| 1.08% | 0.00% | **1.08%** | 36.48% | 10.51% | 8.33% |
| Allocation | **Vanguard Variable Insurance** <br> **Fund - Balanced Portfolio**<br> Investment Advisor: Wellington <br> Management Company, LLP<br>| 0.20% | 0.25% | **0.45%** | 16.46% | 9.29% | 10.03% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Capital Growth Portfolio**<br> Investment Advisor: PRIMECAP <br> Management Company<br>| 0.34% | 0.25% | **0.59%** | 28.98% | 13.97% | 14.96% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Vanguard Variable Insurance** <br> **Fund - Conservative Allocation** <br> **Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.12% | 0.25% | **0.37%** | 12.73% | 4.22% | 6.14% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Diversified Value Portfolio**<br> Investment Advisor: Hotchkis and <br> Wiley Capital Management, LLC, <br> Lazard Asset Management<br>| 0.28% | 0.25% | **0.53%** | 16.83% | 13.24% | 11.76% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Equity Income Portfolio**<br> Investment Advisor: Wellington <br> Management Company, LLP; <br> Vanguard Group Inc. (Quantitative <br> Equity Group)<br>| 0.29% | 0.25% | **0.54%** | 16.80% | 12.59% | 11.52% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Equity Index Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.14% | 0.25% | **0.39%** | 17.70% | 14.27% | 14.66% |
| Fixed Income | **Vanguard Variable Insurance** <br> **Fund - Global Bond Index** <br> **Portfolio**<br> Investment Advisor: The Vanguard <br> Group Inc. (Vanguard Fixed Income <br> Group)<br>| 0.13% | 0.25% | **0.38%** | 5.69% | -0.41% |  |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Growth Portfolio**<br> Investment Advisor: Wellington <br> Management Company, LLP<br>| 0.36% | 0.25% | **0.61%** | 16.89% | 11.36% | 15.58% |
| Fixed Income | **Vanguard Variable Insurance** <br> **Fund - High Yield Bond Portfolio**<br> Investment Advisor: Wellington <br> Management Company, LLP and <br> Vanguard Group, Inc. (Vanguard <br> Fixed Income Group)<br>| 0.24% | 0.25% | **0.49%** | 9.18% | 4.05% | 5.62% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - International Portfolio**<br> Investment Advisor: Baillie Gifford <br> Overseas Ltd.; Schroder Investment <br> Management North America, Inc.<br>| 0.32% | 0.25% | **0.57%** | 19.97% | 0.62% | 10.48% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Mid-Cap Index Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.17% | 0.25% | **0.42%** | 11.54% | 8.46% | 10.77% |
| Allocation | **Vanguard Variable Insurance** <br> **Fund - Moderate Allocation** <br> **Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.12% | 0.25% | **0.37%** | 16.19% | 6.51% | 8.14% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Real Estate Index Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.26% | 0.25% | **0.51%** | 3.11% | 4.51% | 5.08% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Vanguard Variable Insurance** <br> **Fund - Short-Term Investment-**<br> **Grade Portfolio**<br> Investment Advisor: The Vanguard <br> Group Inc. (Vanguard Fixed Income <br> Group)<br>| 0.14% | 0.25% | **0.39%** | 6.85% | 2.23% | 2.81% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Small Company Growth** <br> **Portfolio**<br> Investment Advisor: ArrowMark <br> Partners; The Vanguard Group, Inc. <br> (Vanguard Quantitative Equity <br> Group)<br>| 0.29% | 0.35% | **0.64%** | 6.11% | 3.81% | 9.61% |
| Fixed Income | **Vanguard Variable Insurance** <br> **Fund - Total Bond Market Index** <br> **Portfolio**<br> Investment Advisor: The Vanguard <br> Group Inc. (Vanguard Fixed Income <br> Group)<br>| 0.14% | 0.25% | **0.39%** | 6.94% | -0.51% | 1.90% |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Total International Stock** <br> **Market Index Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.09% | 0.25% | **0.34%** | 32.04% | 7.88% |  |
| Equity | **Vanguard Variable Insurance** <br> **Fund - Total Stock Market Index** <br> **Portfolio**<br> Investment Advisor: Vanguard <br> Strategic Equity Index Management<br>| 0.13% | 0.25% | **0.38%** | 16.93% | 12.98% | 14.10% |
| Fixed Income | **Victory Variable Insurance Funds** <br> **II - Victory Pioneer Bond VCT** <br> **Portfolio: Class II**<br> Investment Advisor: Victory Capital <br> Management, Inc.<br>| 0.78%\* | 0.00% | **0.78%** | 8.87% | 0.51% | 2.59% |
| Equity | **Victory Variable Insurance Funds** <br> **II - Victory Pioneer Fund VCT** <br> **Portfolio: Class II**<br> Investment Advisor: Victory Capital <br> Management, Inc.<br>| 1.00%\* | 0.00% | **1.00%** | 23.08% | 14.69% | 15.47% |
| Fixed Income | **Victory Variable Insurance Funds** <br> **II - Victory Pioneer Strategic** <br> **Income VCT Portfolio: Class II**<br> Investment Advisor: Victory Capital <br> Management, Inc.<br>| 1.07%\* | 0.00% | **1.07%** | 10.84% | 2.04% | 3.67% |
| Equity | **Virtus Variable Insurance Trust -** <br> **Virtus Duff & Phelps Real Estate** <br> **Securities Series: Class A**<br> Investment Advisor: Virtus <br> Investment Advisers, Inc.<br> Sub-Advisor: Duff & Phelps <br> Investment Management Co., an <br> affiliate of VIA.<br>| 1.10%\* | 0.00% | **1.10%** | 0.72% | 6.06% | 5.95% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and** <br> **Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund Platform**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund Platform**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Virtus Variable Insurance Trust -** <br> **Virtus Newfleet Multi-Sector** <br> **Intermediate Bond Series: Class** <br> **A**<br> Investment Advisor: Virtus <br> Investment Advisers, Inc.<br> Sub-Advisor: Newfleet Asset <br> Management, an operating division <br> of Virtus Fixed Income Advisers, <br> LLC, an affiliate of VIA.<br>| 0.94% | 0.00% | **0.94%** | 7.58% | 2.52% | 4.23% |
| Equity | **Virtus Variable Insurance Trust -** <br> **Virtus SGA International Growth** <br> **Series: Class A**<br> Investment Advisor: Virtus <br> Investment Advisers, Inc.<br> Sub-Advisor: Sustainable Growth <br> Advisers, LP, an affiliate of VIA.<br>| 1.10%\* | 0.00% | **1.10%** | 9.26% | 1.42% | 4.10% |

---

\*

This underlying mutual fund's current expenses reflect a temporary fee reduction.

<sup>1</sup>

Reflects the current Low Cost Fund Platform Fee. The maximum Low Cost Fund Platform Fee applicable for any Sub-account is 0.35%.

**Early Cut-Off Times** 

The following Investment Portfolios currently impose the following transfer cut-off times before the end of the Business Day:

**2:30 P.M.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Balanced Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Capital Growth Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Conservative Allocation Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Diversified Value Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Equity Income Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Equity Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Global Bond Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Growth Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - High Yield Bond Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - International Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Moderate Allocation Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Real Estate Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Small Company Growth Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Total International Stock Market Index Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio

**3:30 P.M.**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Advisors Preferred Trust - Quantified Gold Futures Tracking Portfolio (formerly, Advisors Preferred Trust - Gold Bullion Strategy Portfolio)

**3:50 P.M.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Banking Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Basic Materials Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Biotechnology Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Commodities Strategy Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Consumer Products Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Electronics Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Energy Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Energy Services Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Financial Services Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Health Care Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - High Yield Strategy Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Internet Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Leisure Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - NASDAQ-100® Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Precious Metals Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Real Estate Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Retailing Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P 500 Pure Growth Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P 500 Pure Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P MidCap 400 Pure Growth Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P MidCap 400 Pure Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P SmallCap 600 Pure Growth Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - S&P SmallCap 600 Pure Value Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Technology Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Telecommunications Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Transportation Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rydex Variable Trust - Utilities Fund

**3:55 P.M.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Asia 30

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Banks

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Biotechnology

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Bull

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Communication Services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Consumer Discretionary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Consumer Staples

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Emerging Markets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Energy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Europe 30

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Health Care

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Industrials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP International

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Internet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Japan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Large-Cap Growth

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Large-Cap Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Materials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Mid-Cap

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Mid-Cap Growth

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Mid-Cap Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP NASDAQ-100

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Pharmaceuticals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Precious Metals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Real Estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Semiconductor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Small-Cap

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Small-Cap Growth

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Small-Cap Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Technology

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProFunds - ProFund VP Utilities

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**Outside back cover page**

This summary prospectus incorporates by reference the statutory prospectus and Statement of Additional Information, both dated May 1, 2026, as amended or supplemented. The statutory prospectus and Statement of Additional Information may be obtained, free of charge, at https://nationwide.onlineprospectus.net/NW/C000263998NW/index.html.

Reports and other information about the Separate Account 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.

SEC Contract Identifier: C000263998

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