# EDGAR Filing Document

**Accession Number:** 0000729522
**File Stem:** 0001193125-26-192588
**Filing Date:** 2026-4
**Character Count:** 83151
**Document Hash:** 397d84de86380d621991f68ffd9b8dd7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-192588.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-192588

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000729522

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-185775
- **FILM NUMBER:** 26918601

**BUSINESS ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019
- **BUSINESS PHONE:** 3107726000

**MAIL ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE INSUR CO
- **DATE OF NAME CHANGE:** 19930408

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AMERICAN PATHWAY II SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### VARIABLE SEPARATE ACCOUNT (Series ID: S000010595)

| Class ID   | Class Name                     | Ticker Symbol   |
|:---|:---|:---|
| C000124626 | Polaris Platinum II 333-185775 |  |

![](g88770img8dd8760b1.jpg)

issued by

**AMERICAN GENERAL LIFE INSURANCE COMPANY**

in all states except in New York

In connection with

**VARIABLE SEPARATE ACCOUNT**

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS** <br>**May 1, 2026**

This updating summary prospectus provides updated information about Polaris Platinum II, a flexible premium deferred variable annuity.

The prospectus for the contract contains more information about the contract, such as the contract's features, benefits, and risks. You can find the current prospectus and other information about the contract online at www.corebridgefinancial.com/ProductProspectuses. You can also obtain this information at no cost by calling (855) 421-2692 or by writing to our Annuity Service Center (P.O. Box 15570, Amarillo, Texas 79105-5570).

**\* \* \* \* \* \* \* \* \* \* \* \***

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

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**Special Terms Used in this Summary Prospectus**

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**Accumulation Phase** - The period during which you invest money in your contract.

**DCA Fixed Account** - A fixed interest investment option under which amounts earn interest before they are systematically transferred from a DCA Fixed Account to one or more investment options over a specified period of time.

**Fixed Account** - An account, if available, in which you may invest money and earn a fixed rate of return. Fixed Accounts are obligations of the General Account.

**Living Benefit** - An optional benefit designed to help create a guaranteed income stream for life and provide some protection against certain financial risks. (Living Benefits may only be elected at the time you purchase the contract).

**Purchase Payment(s)** - The money you give us to buy and invest in the contract.

**Separate Account** - A segregated asset account maintained by the Company separately from the Company's General Account. The Separate Account consists of Variable Portfolios or subaccounts, each investing in shares of the Underlying Funds.

**Underlying Fund(s)** - The underlying investment portfolios of the Trusts in which a Variable Portfolio invests.

**Variable Portfolio(s)** - A variable investment option available under the contract. Each Variable Portfolio, which is a subaccount of the Separate Account, invests in shares or one of the Underlying Funds. Each Underlying fund has its own investment objective.

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**Updated Information About Your Contract**

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The following is a summary of certain contract features that have changed since the Updating Summary Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you purchased your contract. Please see the prospectus available on www.corebridgefinancial.com/ProductProspectuses for more information.

**Optional Living Benefits – MarketLock and MarketLock for Two Second Extension**

&nbsp;&nbsp;&nbsp;&nbsp;• If you purchased your contract **between August 31, 2005 and May 1, 2009** with **MarketLock** optional Living Benefit and you elected to extend the MAV Evaluation Period on the tenth contract anniversary, you will have the opportunity to elect the second extension of the MAV Evaluation Period (second "Extension") on or about your twentieth contract anniversary. The annualized fee for the second Extension is 0.95%. Please see **MARKETLOCK AND MARKET LOCK FOR TWO SECOND EXTENSION** in the prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;• If you purchased your contract **between July 10, 2006 and April 30 2008** with **MarketLock for Two** optional Living Benefit and you elected to extend the MAV Evaluation Period on the tenth contract anniversary, you will have the opportunity to elect the second extension of the MAV Evaluation Period (second "Extension") on or about your twentieth contract anniversary. The annualized fee for the second Extension is 0.70% (prior to the first withdrawal) and 1.10% (after the first withdrawal). Please see **MARKETLOCK AND MARKETLOCK FOR TWO SECOND EXTENSION** in the prospectus.

**Underlying Fund Change effective on June 2, 2025**

&nbsp;&nbsp;&nbsp;&nbsp;• The CTIVP – Principal Blue Chip Growth Fund was renamed CTIVP – Principal Large Cap Growth Fund.

**Underlying Fund Changes effective on July 28, 2025**

&nbsp;&nbsp;&nbsp;&nbsp;• The SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio, and Goldman Sachs Asset Management L.P. became its subadvisor.

&nbsp;&nbsp;&nbsp;&nbsp;• The SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

**Underlying Fund Changes effective on May 1, 2026**

&nbsp;&nbsp;&nbsp;&nbsp;• The SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

&nbsp;&nbsp;&nbsp;&nbsp;• The Columbia VP – Large Cap Growth Fund was renamed Columbia VP – Cornerstone Growth Fund.

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

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br>**Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •**For Contracts without Polaris Rewards.** If you withdraw money from your contract <br> within 7 years following each Purchase Payment, you may be assessed a withdrawal <br> charge of up to 7%, as a percentage of each Purchase Payment withdrawn.<br> •**For Contracts with Polaris Rewards.** If you withdraw money from your contract within <br> 9 years following your purchase of the contract or your last Purchase Payment, you may <br> be assessed a withdrawal charge of up to 9%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $7,000 if your maximum withdrawal <br> charge is 7% or $9,000 if your maximum withdrawal charge is 9%. This loss will be <br> greater if there are federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to <br> the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments <br> not yet withdrawn. | &nbsp;&nbsp;&nbsp; **Yes.**<br> •**For Contracts without Polaris Rewards.** If you withdraw money from your contract <br> within 7 years following each Purchase Payment, you may be assessed a withdrawal <br> charge of up to 7%, as a percentage of each Purchase Payment withdrawn.<br> •**For Contracts with Polaris Rewards.** If you withdraw money from your contract within <br> 9 years following your purchase of the contract or your last Purchase Payment, you may <br> be assessed a withdrawal charge of up to 9%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $7,000 if your maximum withdrawal <br> charge is 7% or $9,000 if your maximum withdrawal charge is 9%. This loss will be <br> greater if there are federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to <br> the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments <br> not yet withdrawn. | &nbsp;&nbsp;&nbsp; **Yes.**<br> •**For Contracts without Polaris Rewards.** If you withdraw money from your contract <br> within 7 years following each Purchase Payment, you may be assessed a withdrawal <br> charge of up to 7%, as a percentage of each Purchase Payment withdrawn.<br> •**For Contracts with Polaris Rewards.** If you withdraw money from your contract within <br> 9 years following your purchase of the contract or your last Purchase Payment, you may <br> be assessed a withdrawal charge of up to 9%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $7,000 if your maximum withdrawal <br> charge is 7% or $9,000 if your maximum withdrawal charge is 9%. This loss will be <br> greater if there are federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to <br> the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments <br> not yet withdrawn. | &nbsp;&nbsp; **Expenses –** <br> **Withdrawal** <br> **Charges**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions. You will <br> be charged for each transfer after 15 transfers in any contract year during the Accumulation <br> Phase. There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions. You will <br> be charged for each transfer after 15 transfers in any contract year during the Accumulation <br> Phase. There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions. You will <br> be charged for each transfer after 15 transfers in any contract year during the Accumulation <br> Phase. There may also be taxes on Purchase Payments. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the investment options and optional benefits you choose. Please <br> refer to your contract data page for information about the specific fees you will pay each <br> year based on the options you have elected. | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the investment options and optional benefits you choose. Please <br> refer to your contract data page for information about the specific fees you will pay each <br> year based on the options you have elected. | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the investment options and optional benefits you choose. Please <br> refer to your contract data page for information about the specific fees you will pay each <br> year based on the options you have elected. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | Base Contract<sup>1</sup> <br>| 1.54% | 1.54% | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Underlying Fund fees and expenses)<br>| 0.21% | 1.76% | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Optional Benefits Available for an <br> Additional Charge<br> (For a single optional benefit, if elected)<br>| 0.10%<sup>3</sup> <br>| 1.35%<sup>4</sup> <br>| **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account (includes a percentage attributable <br> to the contract maintenance fee).<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Benefit Base.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract, which could add withdrawal <br> charges that substantially increase costs. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account (includes a percentage attributable <br> to the contract maintenance fee).<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Benefit Base.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract, which could add withdrawal <br> charges that substantially increase costs. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account (includes a percentage attributable <br> to the contract maintenance fee).<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Benefit Base.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract, which could add withdrawal <br> charges that substantially increase costs. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Lowest Annual Cost: $1,553** | **Highest Annual Cost: $3,740** | **Highest Annual Cost: $3,740** | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive Underlying Fund fees <br> and expenses<br> •No optional benefits<br> •No withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of optional <br> benefits and Underlying Fund fees and <br> expenses<br> •No withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of optional <br> benefits and Underlying Fund fees and <br> expenses<br> •No withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | **Expenses** |

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.** You can lose money by investing in this contract, including possible loss of your <br> principal investment. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Is this a** <br> **Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; **No.**<br> •This contract is not designed for short-term investing and may not be appropriate for an <br> investor who needs ready access to cash. As such, you should not use the contract as a <br> short-term investment or savings vehicle.<br> •Charges may apply to withdrawals. Withdrawal charges could significantly reduce the <br> value of your investment or the amount that you receive upon taking a withdrawal. <br> Withdrawals may also reduce or terminate contract guarantees and may also be subject to <br> state and federal income taxes and tax-penalties.<br> •The benefits of tax deferral, long-term income, and optional Living Benefit guarantees <br> mean that this contract is generally more beneficial to investors with a long investment <br> time horizon. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **What are the** <br> **Risks Associated** <br> **with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this contract is subject to the risk of poor investment performance and <br> can vary depending on the performance of the investment options available under the <br> contract.<br> •Each investment option (including each Fixed Account option) has its own unique risks.<br> •You should review the available investment options before making an investment decision. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **What are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?**<br>| &nbsp;&nbsp; An investment in the contract is subject to the risks related to us, American General Life <br> Insurance Company. Any obligations (including under a Fixed Account option), guarantees, <br> and benefits of the contract are subject to our claims-paying ability. An Owner should look <br> solely to our financial strength for our claims-paying ability. More information about the <br> Company, including our financial strength ratings, may be obtained at <br> https://investors.corebridgefinancial.com/financials/Ratings/default.aspx . | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
|  | **RESTRICTIONS** |  |
| **Are There Limits** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> **Transfer Restrictions.**<br> •During the Accumulation Phase, you must transfer at least $100 per transfer between any <br> of the Variable Portfolios and/or any available Fixed Accounts. If less than $100 remains <br> in any Variable Portfolio or Fixed Account after a transfer, that amount must be <br> transferred as well. Funds already in your contract cannot be transferred to the DCA <br> Fixed Account, if available. A transfer request will be priced as of the day it is received <br> before Market Close. If the transfer request is received after Market Close, the request <br> will be priced as of the next NYSE business day.<br> •During the Income Phase, only one transfer per month is permitted between the Variable <br> Portfolios. No other transfers are allowed during the Income Phase. Transfers will be <br> effected for the last NYSE business day of the month in which we receive your request for <br> the transfer. You may not use the DCA Program or the Automatic Asset Rebalancing <br> Program during the Income Phase.<br> •Your transfers between the Variable Portfolios are subject to policies designed to deter <br> frequent and short-term trading.<br> **Investment Restrictions.** If you elect an optional Living Benefit, not all investment <br> options may be available and you must invest in accordance with the applicable investment <br> requirements. You may be required to invest a certain percentage of your contract value in <br> a certain investment option. We reserve the right to modify the investment requirements in <br> the future. If you do not elect any optional benefit, or if the only optional benefit you elect <br> is a death benefit, your contract is not subject to investment requirements.<br> **Availability of Variable Portfolios.** We may, subject to any applicable law, make certain <br> changes to the Variable Portfolios offered in your contract. We may offer new Variable <br> Portfolios or stop offering existing Variable Portfolios. New Variable Portfolios may be <br> made available to existing contract Owners, and Variable Portfolios may be closed to new <br> or subsequent Purchase Payments, transfers or allocations. In addition, we may also <br> liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying <br> Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or <br> cooperate in a merger of Underlying Funds. To the extent required by the Investment <br> Company Act of 1940, as amended, we may be required to obtain SEC approval or your <br> approval. | &nbsp;&nbsp; **Investment** <br> **Options**<br>|

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|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •There are restrictions and limitations relating to the benefits offered under the contract <br> (e.g., death benefits, Living Benefits, DCA Fixed Account, DCA Program, Automatic <br> Asset Rebalancing Program, Systematic Withdrawal Program, Automatic Payment Plan).<br> •We reserve the right to modify or terminate the DCA Program, Automatic Asset <br> Rebalancing Program, Systematic Withdrawal Program, and Automatic Payment Plan.<br> •Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of <br> the benefit by an amount greater than the value withdrawn and could terminate the <br> benefit. | &nbsp;&nbsp; **Optional Living** <br> **Benefits** <br> **Death Benefits**<br>|
|  | **TAXES** |  |
| **What are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax implications of an <br> investment in and payments received under the contract.<br> •If you purchase the contract through a tax-qualified plan or individual retirement account <br> (IRA), there is no additional tax benefit under the contract.<br> •Earnings under your contract are taxed at ordinary income tax rates when withdrawn. <br> You may have to pay a tax penalty if you take a withdrawal before age 59½. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your financial representative may receive compensation for selling this contract to you in the <br> form of commissions, additional cash compensation, and/or non-cash compensation. We may <br> share the revenue we earn on this contract with your financial representative's firm. <br> Revenue sharing arrangements and commissions may provide selling firms and/or their <br> registered representatives with an incentive to favor sales of our contracts over other <br> variable annuity contracts (or other investments) with respect to which a selling firm does <br> not receive the same level of additional compensation. You should ask your financial <br> professional about how they are compensated. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some financial representatives may have a financial incentive to offer you a new contract in <br> place of the one you already own. You should exchange a contract you already own only if <br> you determine, after comparing the features, fees, and risks of both contracts, that it is <br> better for you to purchase the new contract rather than continue to own your existing <br> contract. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |

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**Appendix A – Investment Options Available Under The Contract**

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**<u>Underlying Funds</u>**

The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See "Investment Requirements For Optional Living Benefits" in this appendix.

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

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|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Asset** <br> **Allocation**<br>| &nbsp;&nbsp; Franklin Allocation VIP Fund – Class 2<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 12.60% | &nbsp;&nbsp; 5.73% | &nbsp;&nbsp; 7.32% |
|  | &nbsp;&nbsp; Franklin Income VIP Fund – Class 2<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.72% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; 7.66% | &nbsp;&nbsp; 7.30% |
|  | &nbsp;&nbsp; SA American Funds Asset Allocation Portfolio<sup>1</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.80%\* | &nbsp;&nbsp; 15.57% | &nbsp;&nbsp; 8.70% | &nbsp;&nbsp; 9.48% |
|  | &nbsp;&nbsp; SA JPMorgan Diversified Balanced Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.89%\* | &nbsp;&nbsp; 12.82% | &nbsp;&nbsp; 5.90% | &nbsp;&nbsp; 7.38% |
|  | &nbsp;&nbsp; SA JPMorgan Diversified Balanced Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.99%\* | &nbsp;&nbsp; 12.65% | &nbsp;&nbsp; 5.80% | &nbsp;&nbsp; 7.27% |
|  | &nbsp;&nbsp; SA MFS Total Return Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.86% | &nbsp;&nbsp; 10.83% | &nbsp;&nbsp; 6.14% | &nbsp;&nbsp; 7.36% |
|  | &nbsp;&nbsp; SA MFS Total Return Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.96% | &nbsp;&nbsp; 10.69% | &nbsp;&nbsp; 6.03% | &nbsp;&nbsp; 7.26% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Balanced Portfolio <br> – Class 1<sup>2</sup> <br>*Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.68% | &nbsp;&nbsp; 14.00% | &nbsp;&nbsp; 7.27% | &nbsp;&nbsp; 8.29% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Balanced Portfolio <br> – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 13.65% | &nbsp;&nbsp; 6.99% | &nbsp;&nbsp; 8.01% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Conservative Balanced <br> Portfolio<sup>3</sup> – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.92% | &nbsp;&nbsp; 11.28% | &nbsp;&nbsp; 4.78% | &nbsp;&nbsp; 6.12% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Conservative Growth <br> Portfolio – Class 1<sup>2</sup> <br>*Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.72% | &nbsp;&nbsp; 15.56% | &nbsp;&nbsp; 9.00% | &nbsp;&nbsp; 9.94% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Conservative Growth <br> Portfolio – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.97% | &nbsp;&nbsp; 15.31% | &nbsp;&nbsp; 8.74% | &nbsp;&nbsp; 9.67% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Flexible Income Portfolio<sup>3</sup> <br> – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.90% | &nbsp;&nbsp; 9.61% | &nbsp;&nbsp; 3.31% | &nbsp;&nbsp; 4.85% |
| **Bond** | &nbsp;&nbsp; Columbia VP - Dividend Opportunity Fund<sup>4</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 0.65%\* | &nbsp;&nbsp; 15.83% | &nbsp;&nbsp; 11.88% | &nbsp;&nbsp; 10.43% |
|  | &nbsp;&nbsp; Columbia VP - Income Opportunities Fund<sup>4</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 0.64%\* | &nbsp;&nbsp; 8.78% | &nbsp;&nbsp; 3.86% | &nbsp;&nbsp; 5.42% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Bond** <br> **(continued)**<br>| &nbsp;&nbsp; SA American Century Inflation Managed Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *American Century Investment Management, Inc.*<br>| &nbsp;&nbsp; 0.85% | &nbsp;&nbsp; 6.21% | &nbsp;&nbsp; 0.63% | &nbsp;&nbsp; 2.06% |
|  | &nbsp;&nbsp; SA Federated Hermes Corporate Bond Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Federated Investment Management Company*<br>| &nbsp;&nbsp; 0.70% | &nbsp;&nbsp; 6.88% | &nbsp;&nbsp; 0.26% | &nbsp;&nbsp; 3.56% |
|  | &nbsp;&nbsp; SA Federated Hermes Corporate Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Federated Investment Management Company*<br>| &nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 6.78% | &nbsp;&nbsp; 0.15% | &nbsp;&nbsp; 3.46% |
|  | &nbsp;&nbsp; SA Goldman Sachs Government and Quality Bond Portfolio<sup>5</sup> <br> – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management L.P.*<sup>5</sup><br>| &nbsp;&nbsp; 0.74% | &nbsp;&nbsp; 6.45% | &nbsp;&nbsp; -0.92% | &nbsp;&nbsp; 1.31% |
|  | &nbsp;&nbsp; SA Goldman Sachs Government and Quality Bond Portfolio<sup>5</sup> <br> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management L.P.*<sup>5</sup><br>| &nbsp;&nbsp; 0.84% | &nbsp;&nbsp; 6.31% | &nbsp;&nbsp; -1.02% | &nbsp;&nbsp; 1.21% |
|  | &nbsp;&nbsp; SA JPMorgan MFS Core Bond Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc. and Massachusetts* <br> *Financial Services Company*<br>| &nbsp;&nbsp; 0.68%\* | &nbsp;&nbsp; 7.03% | &nbsp;&nbsp; -0.07% | &nbsp;&nbsp; 2.30% |
|  | &nbsp;&nbsp; SA JPMorgan MFS Core Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc. and Massachusetts* <br> *Financial Services Company*<br>| &nbsp;&nbsp; 0.78%\* | &nbsp;&nbsp; 6.98% | &nbsp;&nbsp; -0.17% | &nbsp;&nbsp; 2.19% |
|  | &nbsp;&nbsp; SA JPMorgan Ultra-Short Bond Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.70% | &nbsp;&nbsp; 4.41% | &nbsp;&nbsp; 2.30% | &nbsp;&nbsp; 1.54% |
|  | &nbsp;&nbsp; SA JPMorgan Ultra-Short Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 4.39% | &nbsp;&nbsp; 2.20% | &nbsp;&nbsp; 1.45% |
|  | &nbsp;&nbsp; SA PIMCO Global Bond Opportunities Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.08%\* | &nbsp;&nbsp; 8.88% | &nbsp;&nbsp; -3.51% | &nbsp;&nbsp; 0.45% |
|  | &nbsp;&nbsp; SA PIMCO Global Bond Opportunities Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.18%\* | &nbsp;&nbsp; 8.72% | &nbsp;&nbsp; -3.61% | &nbsp;&nbsp; 0.35% |
|  | &nbsp;&nbsp; SA PineBridge High-Yield Bond Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *PineBridge Investments, LLC*<br>| &nbsp;&nbsp; 0.91% | &nbsp;&nbsp; 8.19% | &nbsp;&nbsp; 5.15% | &nbsp;&nbsp; 7.04% |
|  | &nbsp;&nbsp; SA PineBridge High-Yield Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *PineBridge Investments, LLC*<br>| &nbsp;&nbsp; 1.01% | &nbsp;&nbsp; 8.16% | &nbsp;&nbsp; 5.05% | &nbsp;&nbsp; 6.94% |
| **Cash** | &nbsp;&nbsp; Goldman Sachs VIT Government Money Market Fund <br> – Institutional Shares<sup>4</sup> <br>*Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.18%\* | &nbsp;&nbsp; 4.20% | &nbsp;&nbsp; 3.18% | &nbsp;&nbsp; 2.12% |
|  | &nbsp;&nbsp; Goldman Sachs VIT Government Money Market Fund – Service <br> Shares<br> *Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.43%\* | &nbsp;&nbsp; 3.94% | &nbsp;&nbsp; 2.98% | &nbsp;&nbsp; 1.90% |
| **Stock** | &nbsp;&nbsp; American Funds Global Growth Fund<sup>6</sup> – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.66%\* | &nbsp;&nbsp; 21.63% | &nbsp;&nbsp; 8.23% | &nbsp;&nbsp; 12.17% |
|  | &nbsp;&nbsp; American Funds Growth Fund<sup>6</sup> – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.59% | &nbsp;&nbsp; 20.23% | &nbsp;&nbsp; 13.37% | &nbsp;&nbsp; 17.97% |
|  | &nbsp;&nbsp; American Funds Growth-Income Fund<sup>6</sup> – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.53% | &nbsp;&nbsp; 18.06% | &nbsp;&nbsp; 13.90% | &nbsp;&nbsp; 13.92% |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Stock** <br> **(continued)**<br>| &nbsp;&nbsp; Columbia VP - Cornerstone Growth Fund<sup>4,7</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 0.71% | &nbsp;&nbsp; 16.14% | &nbsp;&nbsp; 14.04% | &nbsp;&nbsp; 15.97% |
|  | &nbsp;&nbsp; Columbia VP - Overseas Core Fund<sup>4</sup> – Class 2<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 1.05% | &nbsp;&nbsp; 37.96% | &nbsp;&nbsp; 8.92% | &nbsp;&nbsp; 7.55% |
|  | &nbsp;&nbsp; Columbia VP - Select Mid Cap Growth Fund<sup>4</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 0.83%\* | &nbsp;&nbsp; 15.14% | &nbsp;&nbsp; 7.53% | &nbsp;&nbsp; 12.17% |
|  | &nbsp;&nbsp; Columbia VP - Small Company Growth Fund<sup>4,8</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br>| &nbsp;&nbsp; 0.87%\* | &nbsp;&nbsp; 21.69% | &nbsp;&nbsp; 3.59% | &nbsp;&nbsp; 15.19% |
|  | &nbsp;&nbsp; CTIVP – Principal Large Cap Growth Fund<sup>4,9</sup> – Class 1<br> *Columbia Management Investment Advisers, LLC*<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.70% | &nbsp;&nbsp; 13.78% | &nbsp;&nbsp; 10.47% | &nbsp;&nbsp; 14.66% |
|  | &nbsp;&nbsp; Equity Income Account<sup>3</sup> – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.73% | &nbsp;&nbsp; 15.25% | &nbsp;&nbsp; 9.94% | &nbsp;&nbsp; 11.24% |
|  | &nbsp;&nbsp; Invesco V.I. American Franchise Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 11.39% | &nbsp;&nbsp; 10.08% | &nbsp;&nbsp; 14.58% |
|  | &nbsp;&nbsp; Invesco V.I. Comstock Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 17.14% | &nbsp;&nbsp; 15.14% | &nbsp;&nbsp; 11.67% |
|  | &nbsp;&nbsp; Invesco V.I. Growth and Income Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 15.30% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; 10.46% |
|  | &nbsp;&nbsp; Lord Abbett Growth and Income Portfolio – Class VC<br> *Lord, Abbett & Co. LLC*<br>| &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 17.29% | &nbsp;&nbsp; 13.35% | &nbsp;&nbsp; 11.12% |
|  | &nbsp;&nbsp; SA AB Growth Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.78% | &nbsp;&nbsp; 12.90% | &nbsp;&nbsp; 11.78% | &nbsp;&nbsp; 15.97% |
|  | &nbsp;&nbsp; SA AB Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.88% | &nbsp;&nbsp; 12.79% | &nbsp;&nbsp; 11.67% | &nbsp;&nbsp; 15.85% |
|  | &nbsp;&nbsp; SA AB Small & Mid Cap Value Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 1.06%\* | &nbsp;&nbsp; 2.36% | &nbsp;&nbsp; 8.47% | &nbsp;&nbsp; 8.38% |
|  | &nbsp;&nbsp; SA AB Small & Mid Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 1.16%\* | &nbsp;&nbsp; 2.32% | &nbsp;&nbsp; 8.36% | &nbsp;&nbsp; 8.27% |
|  | &nbsp;&nbsp; SA American Funds Global Growth Portfolio<sup>1</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 21.35% | &nbsp;&nbsp; 7.94% | &nbsp;&nbsp; 11.86% |
|  | &nbsp;&nbsp; SA American Funds Growth Portfolio<sup>1</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.85%\* | &nbsp;&nbsp; 19.91% | &nbsp;&nbsp; 13.07% | &nbsp;&nbsp; 17.65% |
|  | &nbsp;&nbsp; SA American Funds Growth-Income Portfolio<sup>1</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 17.67% | &nbsp;&nbsp; 13.57% | &nbsp;&nbsp; 13.59% |
|  | &nbsp;&nbsp; SA BlackRock Advantage International Portfolio<sup>10</sup> – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<sup>10</sup><br>| &nbsp;&nbsp; 1.02%\* | &nbsp;&nbsp; 21.14% | &nbsp;&nbsp; 5.33% | &nbsp;&nbsp; 6.21% |
|  | &nbsp;&nbsp; SA BlackRock Advantage International Portfolio<sup>10</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<sup>10</sup><br>| &nbsp;&nbsp; 1.12%\* | &nbsp;&nbsp; 20.99% | &nbsp;&nbsp; 5.23% | &nbsp;&nbsp; 6.11% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Global Equities Portfolio<sup>11</sup> – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *FIAM LLC*<sup>11</sup><br>| &nbsp;&nbsp; 0.97%\* | &nbsp;&nbsp; 21.97% | &nbsp;&nbsp; 13.65% | &nbsp;&nbsp; 11.21% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Global Equities Portfolio<sup>11</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<sup>11</sup><br>| &nbsp;&nbsp; 1.07%\* | &nbsp;&nbsp; 21.87% | &nbsp;&nbsp; 13.53% | &nbsp;&nbsp; 11.10% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Stock** <br> **(continued)**<br>| &nbsp;&nbsp; SA Fidelity Institutional AM Real Estate Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *FIAM LLC*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 1.34% | &nbsp;&nbsp; 4.76% | &nbsp;&nbsp; 5.28% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Real Estate Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<br>| &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 1.25% | &nbsp;&nbsp; 4.65% | &nbsp;&nbsp; 5.18% |
|  | &nbsp;&nbsp; SA Franklin BW U.S. Large Cap Value Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Brandywine Global Investment Management, LLC*<br>| &nbsp;&nbsp; 0.85%\* | &nbsp;&nbsp; 16.98% | &nbsp;&nbsp; 13.69% | &nbsp;&nbsp; 11.43% |
|  | &nbsp;&nbsp; SA Franklin BW U.S. Large Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Brandywine Global Investment Management, LLC*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 16.83% | &nbsp;&nbsp; 13.57% | &nbsp;&nbsp; 11.32% |
|  | &nbsp;&nbsp; SA Franklin Small Company Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp; 1.25%\* | &nbsp;&nbsp; 6.14% | &nbsp;&nbsp; 8.32% | &nbsp;&nbsp; 9.41% |
|  | &nbsp;&nbsp; SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.79% | &nbsp;&nbsp; 16.70% | &nbsp;&nbsp; 11.61% | &nbsp;&nbsp; 12.41% |
|  | &nbsp;&nbsp; SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.89% | &nbsp;&nbsp; 16.68% | &nbsp;&nbsp; 11.52% | &nbsp;&nbsp; 12.31% |
|  | &nbsp;&nbsp; SA Invesco Growth Opportunities Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 0.97% | &nbsp;&nbsp; 5.99% | &nbsp;&nbsp; -0.86% | &nbsp;&nbsp; 8.97% |
|  | &nbsp;&nbsp; SA Invesco Growth Opportunities Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.07% | &nbsp;&nbsp; 5.92% | &nbsp;&nbsp; -0.96% | &nbsp;&nbsp; 8.86% |
|  | &nbsp;&nbsp; SA Janus Focused Growth Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Janus Capital Management, LLC*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 18.23% | &nbsp;&nbsp; 11.52% | &nbsp;&nbsp; 15.47% |
|  | &nbsp;&nbsp; SA Janus Focused Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Janus Capital Management, LLC*<br>| &nbsp;&nbsp; 1.05%\* | &nbsp;&nbsp; 18.04% | &nbsp;&nbsp; 11.40% | &nbsp;&nbsp; 15.34% |
|  | &nbsp;&nbsp; SA JPMorgan Emerging Markets Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.31%\* | &nbsp;&nbsp; 35.98% | &nbsp;&nbsp; 4.46% | &nbsp;&nbsp; 8.26% |
|  | &nbsp;&nbsp; SA JPMorgan Emerging Markets Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.41%\* | &nbsp;&nbsp; 36.00% | &nbsp;&nbsp; 4.37% | &nbsp;&nbsp; 8.15% |
|  | &nbsp;&nbsp; SA JPMorgan Equity-Income Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.74% | &nbsp;&nbsp; 14.43% | &nbsp;&nbsp; 10.63% | &nbsp;&nbsp; 10.92% |
|  | &nbsp;&nbsp; SA JPMorgan Equity-Income Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.84% | &nbsp;&nbsp; 14.31% | &nbsp;&nbsp; 10.52% | &nbsp;&nbsp; 10.81% |
|  | &nbsp;&nbsp; SA JPMorgan Large Cap Core Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.84%\* | &nbsp;&nbsp; 14.29% | &nbsp;&nbsp; 12.83% | &nbsp;&nbsp; 12.56% |
|  | &nbsp;&nbsp; SA JPMorgan Large Cap Core Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.94%\* | &nbsp;&nbsp; 14.15% | &nbsp;&nbsp; 12.71% | &nbsp;&nbsp; 12.44% |
|  | &nbsp;&nbsp; SA JPMorgan Mid-Cap Growth Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.92%\* | &nbsp;&nbsp; 7.94% | &nbsp;&nbsp; 4.09% | &nbsp;&nbsp; 12.00% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Stock** <br> **(continued)**<br>| &nbsp;&nbsp; SA JPMorgan Mid-Cap Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.02%\* | &nbsp;&nbsp; 7.86% | &nbsp;&nbsp; 3.99% | &nbsp;&nbsp; 11.89% |
|  | &nbsp;&nbsp; SA MFS Large Cap Growth Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.83% | &nbsp;&nbsp; 16.52% | &nbsp;&nbsp; 14.96% | &nbsp;&nbsp; 15.99% |
|  | &nbsp;&nbsp; SA MFS Large Cap Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 16.39% | &nbsp;&nbsp; 14.85% | &nbsp;&nbsp; 15.87% |
|  | &nbsp;&nbsp; SA MFS Massachusetts Investors Trust Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.85%\* | &nbsp;&nbsp; 13.65% | &nbsp;&nbsp; 11.31% | &nbsp;&nbsp; 12.48% |
|  | &nbsp;&nbsp; SA MFS Massachusetts Investors Trust Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 13.52% | &nbsp;&nbsp; 11.20% | &nbsp;&nbsp; 12.37% |
|  | &nbsp;&nbsp; SA PIMCO RAE International Value Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 0.99%\* | &nbsp;&nbsp; 36.03% | &nbsp;&nbsp; 10.11% | &nbsp;&nbsp; 6.09% |
|  | &nbsp;&nbsp; SA PIMCO RAE International Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.09%\* | &nbsp;&nbsp; 35.91% | &nbsp;&nbsp; 10.00% | &nbsp;&nbsp; 5.99% |
|  | &nbsp;&nbsp; SA Putnam International Value Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Putnam Investment Management, LLC*<br>| &nbsp;&nbsp; 1.08%\* | &nbsp;&nbsp; 35.07% | &nbsp;&nbsp; 12.72% | &nbsp;&nbsp; 8.90% |
|  | &nbsp;&nbsp; SA Putnam International Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Putnam Investment Management, LLC*<br>| &nbsp;&nbsp; 1.18%\* | &nbsp;&nbsp; 34.95% | &nbsp;&nbsp; 12.59% | &nbsp;&nbsp; 8.79% |
|  | &nbsp;&nbsp; SA Wellington Capital Appreciation Portfolio – Class 2<sup>2</sup> <br>*SunAmerica Asset Management, LLC*<br> *Wellington Management Company LLP*<br>| &nbsp;&nbsp; 0.88% | &nbsp;&nbsp; 14.38% | &nbsp;&nbsp; 8.65% | &nbsp;&nbsp; 15.86% |
|  | &nbsp;&nbsp; SA Wellington Capital Appreciation Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Wellington Management Company LLP*<br>| &nbsp;&nbsp; 0.98% | &nbsp;&nbsp; 14.26% | &nbsp;&nbsp; 8.54% | &nbsp;&nbsp; 15.75% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Strategic Growth Portfolio <br> – Class 1<sup>2</sup> <br>*Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 0.75% | &nbsp;&nbsp; 16.86% | &nbsp;&nbsp; 10.16% | &nbsp;&nbsp; 10.96% |
|  | &nbsp;&nbsp; SAM ("Strategic Asset Management") Strategic Growth Portfolio <br> – Class 2<br> *Principal Global Investors, LLC*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 16.61% | &nbsp;&nbsp; 9.88% | &nbsp;&nbsp; 10.69% |
| **Volatility** <br> **Control**<br>| &nbsp;&nbsp; SA VCP Dynamic Allocation Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 1.01% | &nbsp;&nbsp; 11.13% | &nbsp;&nbsp; 5.34% | &nbsp;&nbsp; 7.51% |
|  | &nbsp;&nbsp; SA VCP Dynamic Strategy Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 1.03% | &nbsp;&nbsp; 10.89% | &nbsp;&nbsp; 5.66% | &nbsp;&nbsp; 7.19% |

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\* *This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information.*

<sup>1</sup>

Capital Research and Management Company is the investment adviser of the master fund in which this Underlying Fund (Master-Feeder Fund) invests. Under a master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.

<sup>2</sup>

Available for investment if you purchased your contract prior to September 30, 2002.

<sup>3</sup>

Available for investment if you purchased your contract through Chase Investment Services Corporation (formerly known as WaMu Investments, Inc.).

<sup>4</sup>

Available for investment if you purchased your contract through Banc of America Investment Services, Inc.

<sup>5</sup>

On July 28, 2025, SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio and Goldman Sachs Asset Management L.P. became its subadvisor.

------

<sup>6</sup>

Available for investment if you purchased your contract prior to May 1, 2007.

<sup>7</sup>

On May 1, 2026, Columbia VP - Large Cap Growth Fund was renamed Columbia VP - Cornerstone Growth Fund.

<sup>8</sup>

Closed for additional investment as of June 1, 2021.

<sup>9</sup>

On June 02, 2025, CTIVP – Principal Blue Chip Growth Fund was renamed CTIVP – Principal Large Cap Growth Fund.

<sup>10</sup>

On May 1, 2026, SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

<sup>11</sup>

On July 28, 2025, SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

**<u>Fixed Accounts</u>**

The following is a list of Fixed Accounts currently available under the contract. We may change the features of the Fixed Accounts listed below, offer new Fixed Accounts, and terminate existing Fixed Accounts. We will provide you with written notice before doing so.

**See INVESTMENT OPTIONS - FIXED ACCOUNTS** of the prospectus for a description of the Fixed Accounts' features.

---

| | | |
|:---|:---|:---|
| Name | Terms | Minimum Guaranteed Interest Rate |
| 1-Year Fixed Account | 1-Year | 1% |
| Dollar Cost Averaging Fixed Account | 6-Month, 12-Month, 2-Year | 1% |

---

------

**INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS**

If you elected an optional Living Benefit, your contract is subject to investment requirements, as reflected below. Depending on the optional Living Benefit you elected, you may not be able to invest in certain investment options. If you did not elect any optional benefits, or if the only optional benefit you elected is a death benefit, your contract is not subject to investment requirements.

This section contains the investment requirements for the following optional Living Benefits:

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock for Life

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock Income Plus, MarketLock For Life Plus, or MarketLock For Life Plus +6% Option

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock for Life Plus 7% Option

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock For Life Plus +6% Extensions or MarketLock for Life Plus 7% Extensions

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock Income Plus (Extensions for contracts issued between May 1, 2008 – May 3, 2009)

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock Income Plus, MarketLock For Life Plus, or MarketLock for Life (Extensions)

**MARKETLOCK FOR LIFE**

If you elected the optional **MarketLock For Life** Living Benefit, you may comply with investment requirements by allocating your investments in one of four ways:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or Goldman Sachs VIT Government Money Market Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. 100% in either Allocation 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. 100% in one or a combination of the following Asset Allocation Variable Portfolios: <br> Franklin Income VIP Fund <br> SA American Funds Asset Allocation <br> SA JPMorgan Diversified Balanced <br> SA MFS Total Return <br> SA VCP Dynamic Allocation <br> SA VCP Dynamic Strategy; or

------

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. In accordance with the requirements outlined in the table below:

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

---

| | |
|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>|
| **A. Bond, Cash**<br> **and Fixed**<br> **Account**<br>| Minimum 30%<br> Maximum 100%<br>Goldman Sachs VIT Government <br> Money Market Fund<br> SA American Century Inflation <br> Managed Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond<br> SA JPMorgan Ultra-Short Bond<br> SA JPMorgan MFS Core Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **DCA Fixed Accounts**<sup>++</sup><br> 6-Month DCA<br> 1-Year DCA<br> 2-Year DCA<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|

---

---

| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| **B. Equity**<br> **Maximum**<br>| Minimum 0%<br> Maximum 70%<br>| Columbia VP-Dividend <br> Opportunity Fund<sup>+</sup> <br> Columbia VP-Income <br> Opportunities Fund<sup>+</sup> <br> Columbia VP-Overseas Core<sup>+</sup> <br>Columbia VP-Select Mid Cap <br> Growth Fund<sup>+</sup> <br>CTIVP-Principal Large Cap <br> Growth Fund<sup>+</sup> <br>Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> Invesco V.I. American Franchise <br> Fund<br> Invesco V.I. Comstock Fund<br> Invesco V.I. Growth and Income <br> Fund<br> Lord Abbett Growth and Income<br> SA AB Growth<br> SA AB Small & Mid Cap Value <br> Strategic Growth<br> SA American Fund Asset <br> Allocation<br> SA American Funds Global <br> Growth<br> SA American Funds Growth<br> SA American Funds <br> Growth-Income<br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br> Global Equities <br> SA Franklin BW U.S. Large <br> Cap Value<br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity - Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth<br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PIMCO RAE International <br> Value<br> SA PineBridge High Yield Bond<br> SA Putman International Value<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA Wellington Capital <br> Appreciation<br> SAM Balanced<br> SAM Conservative Growth<br>|
| **C. Limited**<br> **Equity**<br>| Minimum 0%<br> Maximum 10%<br>| Columbia VP-Cornerstone <br> Growth Fund<sup>+</sup> <br>Columbia VP-Small Company <br> Growth Fund<sup>+</sup> <br>SA Fidelity Institutional AM <br> Real Estate<br> SA Franklin Small Company <br> Value<br> SA Invesco Growth <br> Opportunities<br> SA JPMorgan Emerging <br> Markets<br>|

---

<sup>+</sup> Only available if you purchased your contract through Banc of America Investment Services, Inc.

------

<sup>++</sup> You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.

**MarketLock Income Plus** <br>**MarketLock For Life Plus** <br>**MarketLock For Life Plus +6% OPTION**

If your contract was issued between **May 1, 2008 and May 1, 2009**, and you elected the optional **MarketLock Income Plus** Living Benefit, you must allocate your investment in one of three ways:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Invest 100% in either Allocation\* 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Allocation VIP Fund, Franklin Income VIP Fund, SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy

If you elected the optional **MarketLock Income Plus (contracts issued on or after 5/4/09)**, **MarketLock For Life Plus (contracts issued on or after 5/4/09)** or **MarketLock For Life Plus +6% Option (contracts issued prior to 5/4/09)** Living Benefit**,** you must allocate your investment in one of four ways:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Invest 100% in either Allocation 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Income VIP Fund, Franklin Allocation VIP Fund (MarketLock For Life Plus +6% Option for contracts issued prior to 5/1/09 only), SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy; or

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Invest in accordance with the requirements outlined in the table below:

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

---

| | |
|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; A. Bond, Cash<br> and Fixed<br> Accounts<br>| Minimum 20%\*<br> Maximum 100% <br>\*(30%, for <br> MarketLock <br> Income Plus and <br> MarketLock For <br> Life Plus issued <br> on or after <br> 5/1/09)<br>Goldman Sachs VIT Government <br> Money Market Fund<br> SA American Century Inflation <br> Managed Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond <br> SA JPMorgan Ultra-Short Bond<br> SA JPMorgan MFS Core Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **DCA Fixed Accounts**<sup>+++</sup><br> 6-Month DCA<br> 1-Year DCA<br> 2-Year DCA (if available)<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|

---

------

---

| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; B. Equity<br> Maximum<br>| Minimum 0%<br> Maximum <br> 80%\*\* <br>\*\*(70%, for <br> MarketLock <br> Income Plus and <br> MarketLock For <br> Life Plus issued <br> on or after <br> 5/1/09)<br>| Columbia VP-Dividend <br> Opportunity Fund<sup>+</sup> <br>Columbia VP-Income <br> Opportunities Fund<sup>+</sup> <br>Columbia VP-Overseas Core <br> Equity Fund<sup>+</sup> <br>Columbia VP-Select Mid Cap <br> Growth Fund<sup>+</sup> <br>CTIVP-Principal Large Cap <br> Growth Fund<sup>+</sup> <br>Equity Income Account<sup>++</sup> <br>Franklin Allocation VIP Fund<br> Franklin Income VIP Funds<br> Invesco V.I. American Franchise <br> Fund<br> Invesco V.I. Comstock Fund<br> Invesco V.I. Growth and Income <br> Fund<br> Lord Abbett Growth and Income<br> SA AB Growth<br> SA AB Small & Mid Cap Value<br> SA American Fund Asset <br> Allocation<br> SA American Funds Global <br> Growth<br> SA American Funds Growth <br> SA American Funds <br> Growth-Income <br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br> Global Entities<br> SA Franklin BW U.S. Large <br> Cap Value<br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity - Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth<br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PIMCO RAE International <br> Value<br> SA PineBridge High Yield Bond<br> SA Putman International Value<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy <br> SA Wellington Capital <br> Appreciation<br> SAM Balanced<br> SAM Conservative Balanced<sup>++</sup> <br>SAM Conservative Growth<br> SAM Flexible Income<sup>++</sup> <br>SAM Strategic Growth<br>|

---

---

| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; C. Limited<br> Equity<br>| Minimum 0%<br> Maximum <br> 20%\*\*\* <br>\*\*\*(10%, for <br> MarketLock <br> Income Plus and <br> MarketLock For <br> Life Plus issued <br> on or after <br> 5/1/09)<br>| Columbia VP-Cornerstone <br> Growth Fund<sup>+</sup> <br>Columbia VP-Small Company <br> Growth Fund<sup>+</sup> <br>SA Fidelity Institutional AM <br> Real Estate<br> SA Franklin Small Company <br> Value Technology<br> SA Invesco Growth <br> Opportunities<br> SA JPMorgan Emerging <br> Markets<br>|

---

<sup>+</sup> Only available if you purchased your contract through Banc of America Investment Services, Inc.

<sup>++</sup> Only available if you purchased your contract through Chase Investment Services Corporation (formerly WaMu Investments, Inc.)

<sup>+++</sup> You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.

**MarketLock For Life Plus +7% Option**

If you elected the optional **MarketLock For Life Plus +7% Option**, you must comply with investment requirements by allocating your investments as outlined below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Invest 100% in either Allocation\* 1, 2 or 3; or <br>\*(Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Allocation VIP Fund, Franklin Income VIP Fund, SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy

------

**MARKETLOCK FOR LIFE PLUS +6% AND +7% EXTENSIONs**

If your contract was issued between **March 12, 2007 and May 1, 2009** and elected the optional **MarketLock For Life Plus +6% Option** Living Benefit, and have elected the first and second Extensions, you must allocate your assets in accordance with one of the following options:

---

| | |
|:---|:---|
| Option 1 | **At least 50% in one or more of the following:**<br> Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> **Up to 50% in one or more of the following** <br> **Variable Portfolios:**<br>Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> SA American Funds Asset Allocation <br> SA JPMorgan Diversified Balanced <br> SA MFS Total Return<br> SAM Balanced<br>|
| Option 2 | &nbsp;&nbsp;&nbsp;&nbsp; **25% in SA VCP Dynamic Allocation**<br> **25% in SA VCP Dynamic Strategy**<br> **50% in Allocation 1\*, Allocation 2\* or Allocation 3\***<br> \*Please see POLARIS PORTFOLIO ALLOCATOR <br> PROGRAM FOR CONTRACTS ISSUED PRIOR TO <br> FEBRUARY 6, 2017 later in this Appendix for the <br> allocations for the formerly available Polaris Portfolio <br> Allocator Program.<br>|
| Option 3 | **At least 50% in one or more of the following:**<br> Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> **Up to 50% in accordance with the** <br> **requirements outlined in the table below:**<br>|

---

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

---

| | | |
|:---|:---|:---|
| **Investment** <br> **Group**<br>| **Investment** <br> **Requirement**<br>| **Variable Portfolios and/or Fixed** <br> **Accounts**<br>|
| **A. Bond, Cash** <br> **and Fixed** <br> **Accounts**<br>| Minimum 10%<br> Maximum 50%<br>| SA American Century Inflation <br> Managed Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|

---

---

| | | |
|:---|:---|:---|
| **Investment** <br> **Group**<br>| **Investment** <br> **Requirement**<br>| **Variable Portfolios and/or Fixed** <br> **Accounts**<br>|
| **B. Equity** <br> **Maximum**<br>| Minimum 0%<br> Maximum 40%<br>| Columbia VP-Dividend <br> Opportunity Fund<sup>+</sup> <br>Columbia VP-Income <br> Opportunities Fund<sup>+</sup> <br>Columbia VP-Overseas Core <br> Fund<sup>+</sup> <br>Columbia VP-Select Mid Cap <br> Growth Fund<sup>+</sup> <br>CTIVP-Principal Large Cap <br> Growth Fund<sup>+</sup> <br>Equity Income Account<sup>++</sup> <br>Franklin Allocation VIP Fund<br> Franklin Income VIP Funds<br> Invesco V.I. American Franchise <br> Fund <br> Invesco V.I. Comstock Fund <br> Invesco V.I. Growth and Income <br> Fund <br> Lord Abbett Growth and Income<br> SA AB Growth<br> SA AB Small & Mid Cap Value<br> SA American Fund Asset <br> Allocation<br> SA American Funds Global <br> Growth<br> SA American Funds Growth <br> SA American Funds <br> Growth-Income<br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br>Global Equity<br> SA Franklin BW U.S. Large <br> Cap Value<br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity-Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth<br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PIMCO RAE International <br> Value <br> SA PineBridge High Yield Bond<br> SA Putman International Value<br> SA Wellington Capital <br> Appreciation<br> SAM Balanced<br> SAM Conservative Balanced<sup>++</sup> <br>SAM Conservative Growth<br> SAM Flexible Income<sup>++</sup> <br>SAM Strategic Growth<br>|

---

------

---

| | | |
|:---|:---|:---|
| **Investment** <br> **Group**<br>| **Investment** <br> **Requirement**<br>| **Variable Portfolios and/or Fixed** <br> **Accounts**<br>|
| **C. Limited** <br> **Equity**<br>| Minimum 0%<br> Maximum 10%<br>| Columbia VP-Cornerstone <br> Growth Fund<sup>+</sup> <br>Columbia VP-Small Company <br> Growth Fund<sup>+</sup> <br>SA Fidelity Institutional AM <br>Real Estate <br> SA Franklin Small Company <br> Value <br> SA Invesco Growth <br> Opportunities <br> SA JPMorgan Emerging <br> Markets<br>|

---

<sup>+</sup>

Only available if you purchased your contract through Banc of America Investment Services, Inc.

<sup>++</sup>

Only available if you purchased your contract through Chase Investment Services Corporation (formerly WaMu Investments, Inc.)

If your contract was issued between **February 4, 2008 and May 1, 2009**, and you elected the optional **MarketLock For Life Plus +7% Option** Living Benefit, and have elected the first and second Extensions, you must allocate your assets in accordance with one of the following options:

---

| | |
|:---|:---|
| Option 1 | **At least 50% in one or more of the following:**<br> Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> **Up to 50% in one or more of the following** <br> **Variable Portfolios:**<br>Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> SA American Funds Asset Allocation <br> SA JPMorgan Diversified Balanced <br> SA MFS Total Return<br> SAM Balanced<br>|
| Option 2 | &nbsp;&nbsp;&nbsp;&nbsp; **25% in SA VCP Dynamic Allocation**<br> **25% in SA VCP Dynamic Strategy**<br> **50% in Allocation 1\*, 2\* or 3\***<br> \*Please see POLARIS PORTFOLIO ALLOCATOR <br> PROGRAM FOR CONTRACTS ISSUED PRIOR TO <br> FEBRUARY 6, 2017 later in this Appendix for the <br> allocations for the formerly available Polaris Portfolio <br> Allocator Program.<br>|

---

<sup>+</sup>

Only available if you purchased your contract through Banc of America Investment Services, Inc.

**marketlock income plus Extensions**

If your contract was issued between **May 1, 2008 and May 3, 2009**, and you elected the optional **MarketLock Income Plus** Living Benefit, and have elected the first, second and third Extensions, your assets must remain allocated in accordance with one of the following options:

---

| | |
|:---|:---|
| Option 1 | Up to 50% in one or more of the following:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goldman Sachs VIT Government Money Market <br> Fund<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA JPMorgan Ultra-Short Bond<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA VCP Dynamic Allocation<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA VCP Dynamic Strategy<br> Up to 50% in one or more of the following:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Franklin Allocation VIP Fund<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Franklin Income VIP Fund<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA American Funds Asset Allocation <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA JPMorgan Diversified Balanced<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SA MFS Total Return<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SAM Balanced<br>|
| Option 2 | &nbsp;&nbsp;&nbsp;&nbsp; 25% SA VCP Dynamic Allocation and<br> 25% SA VCP Dynamic Strategy and<br> 50% in one of the following Allocations\*:<br>Allocation 1\*, 2\* or 3\*<br> \*Please see POLARIS PORTFOLIO ALLOCATOR <br> PROGRAM FOR CONTRACTS ISSUED PRIOR TO <br> FEBRUARY 6, 2017 later in this Appendix for the <br> formerly available Polaris Portfolio Allocator Models.<br>|

---

<sup>+</sup>

Only available if you purchased your contract through Banc of America Investment Services, Inc.

------

**MARKETLOCK INCOME PLUS, MARKETLOCK FOR LIFE PLUS AND MARKETLOCK FOR LIFE extensionS** 

If you purchased a contract between **May 4, 2009 and January 18, 2010** and you elected the optional **MarketLock Income Plus or MarketLock For Life Plus** Living Benefit or if you purchased a contract between **May 4, 2009 and January 20, 2012** and you elected the optional **MarketLock For Life** Living Benefit and have elected the first, second, and third Extensions, you must allocate your assets in accordance with one of the following options:

---

| | |
|:---|:---|
| Option 1 | Up to 100% in one or more of the following:<br> Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br>|
| Option 2 | At least 50% and up to 100% in one or more of the <br> following:<br>Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> Up to 50% in one or more of the following Variable <br> Portfolios:<br>Franklin Income VIP Fund<br> SA American Funds Asset Allocation<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br>|
| Option 3 | &nbsp;&nbsp;&nbsp;&nbsp; 25% SA VCP Dynamic Allocation and<br> 25% SA VCP Dynamic Strategy and<br> 50% in one of the following Allocations\*:<br>Allocation 1, Allocation 2 or Allocation 3<br> \*Please see POLARIS PORTFOLIO PROGRAM FOR <br> CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 <br> later in this Appendix for the allocations for the formerly <br> available Polaris Portfolio Allocator Models.<br>|
| Option 4 | At least 50% and up to 100% in one or more of the <br> following:<br>Goldman Sachs VIT Government Money Market Fund<br> SA JPMorgan Ultra-Short Bond<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> Up to 50% in accordance with the requirements outlined in <br> the table below:<br>|

---

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

---

| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| **A. Bond, Cash**<br> **and Fixed**<br> **Accounts**<br>| Minimum 15%<br> Maximum 50%<br>| SA American Century Inflation <br> Managed Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **DCA Fixed Accounts**<br> 6-Month DCA<br> 1-Year DCA<br> 2-Year DCA<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|

---

---

| | |
|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>|
| **B. Equity**<br> **Maximum**<br>| Minimum 0%<br> Maximum 35%<br>Columbia VP-Dividend <br> Opportunity Fund<sup>1</sup> <br>Columbia VP-Income <br> Opportunities Fund<sup>1</sup> <br>Columbia VP-Overseas Core <br> Fund<sup>1</sup> <br>Columbia VP-Select Mid Cap <br> Growth Fund<sup>1</sup> <br>Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> Invesco V.I. American Franchise <br> Fund<br> Invesco V.I. Comstock Fund<br> Invesco V.I. Growth and Income <br> Fund<br> Lord Abbett Growth and Income<br> SA AB Growth<br> SA AB Small & Mid Cap Value<br> SA American Funds Asset <br> Allocation<br> SA American Funds Global <br> Growth<br> SA American Funds Growth<br> SA American Funds <br> Growth-Income<br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br> Global Equities<br> SA Franklin BW U.S. Large <br> Cap Value <br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity-Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth<br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PIMCO RAE International <br> Value<br> SA PineBridge High Yield Bond<br> SA Putnam International Value<br> SA Wellington Capital <br> Appreciation<br> SAM Balanced<sup>1</sup> <br>SAM Conservative Growth<br> SAM Strategic Growth<br> VP Loomis Sayles Growth <br> Fund<sup>1</sup> <br>|
| **C. Limited** <br> **Equity**<br>| Minimum 0%<br> Maximum 5%<br>Columbia VP-Cornerstone <br> Growth Fund<sup>1</sup> <br>Columbia VP-Small Company <br> Growth Fund<sup>1</sup> <br>SA Fidelity Institutional AM <br> Real Estate<br> SA Franklin Small Company <br> Value<br> SA Invesco Growth <br> Opportunities<br> SA JPMorgan Emerging <br> Markets<br>|

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<sup>1</sup> Only available if you purchased your contract through Banc of America Investment Services, Inc.

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**POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017**

**Effective on February 6, 2017, the Polaris Allocator Program is no longer offered.**

**If you invested in a Polaris Portfolio Allocator Model prior to February 6, 2017**, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a Polaris Portfolio Allocator Model and you may no longer trade into a Polaris Portfolio Allocator Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time.

**If you elected a Living Benefit which allowed Polaris Portfolio Allocator Models as part of the investment requirements**, you may trade out of your allocation at any time into any investment that meets your living benefit's investment requirements, including the asset allocation of the Variable Portfolios listed in the table below ("Allocations"). After the termination effective date, only the asset allocation of the Variable Portfolios of your current model or the Allocations below will meet the investment requirements for living benefits which previously allowed Polaris Portfolio Allocator Models.

**Allocations (effective February 6, 2017)** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **Variable Portfolios** | **Allocation**<br> **1**<br>| **Allocation**<br> **2**<br>| **Allocation**<br> **3**<br>| **Allocation**<br> **4**<br>|
| Invesco V.I. Comstock Fund | &nbsp;&nbsp; 5.00% | &nbsp;&nbsp; 5.00% | &nbsp;&nbsp; 6.00% | 8.00% |
| Invesco V.I. Growth and Income Fund | &nbsp;&nbsp; 6.00% | &nbsp;&nbsp; 7.00% | &nbsp;&nbsp; 8.00% | 8.00% |
| SA AB Growth | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 4.00% | 6.00% |
| SA AB Small & Mid Cap Value | &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 1.00% | 2.00% |
| SA American Century Inflation Managed Protection | &nbsp;&nbsp; 5.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 2.00% | 0.00% |
| SA American Funds Global Growth | &nbsp;&nbsp; 2.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | 6.00% |
| SA American Funds Growth-Income | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 1.00% | 4.00% |
| SA BlackRock Advantage International | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | 5.00% |
| SA Federated Hermes Corporate Bond | 10.00% | &nbsp;&nbsp; 8.00% | &nbsp;&nbsp; 7.00% | 1.00% |
| SA Fidelity Institutional AM Real Estate | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 0.00% | 1.00% |
| SA Franklin BW U.S. Large Cap Value | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 4.00% | 5.00% |
| SA Franklin Small Company Value | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 2.00% | &nbsp;&nbsp; 2.00% | 1.00% |
| SA Franklin Systematic U.S. Large Cap Value | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | 5.00% |
| SA Goldman Sachs Government and Quality Bond | &nbsp;&nbsp; 8.00% | &nbsp;&nbsp; 8.00% | &nbsp;&nbsp; 7.00% | 2.00% |
| SA Janus Focused Growth | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 1.00% | 2.00% |
| SA JPMorgan Emerging Markets | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 2.00% | 2.00% |
| SA JPMorgan Equity-Income | &nbsp;&nbsp; 6.00% | &nbsp;&nbsp; 7.00% | &nbsp;&nbsp; 8.00% | 8.00% |
| SA JPMorgan Large Cap Core | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 4.00% | 6.00% |
| SA JPMorgan MFS Core Bond | 17.00% | 13.00% | 10.00% | 5.00% |
| SA JPMorgan Ultra-Short Bond | &nbsp;&nbsp; 2.00% | &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 0.00% | 0.00% |
| SA MFS Large Cap Growth | &nbsp;&nbsp; 2.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | 4.00% |
| SA MFS Massachusetts Investors Trust | &nbsp;&nbsp; 6.00% | &nbsp;&nbsp; 6.00% | &nbsp;&nbsp; 7.00% | 8.00% |
| SA PIMCO Global Bond Opportunities | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 2.00% | 2.00% |
| SA PIMCO RAE International Value | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | 4.00% |
| SA PineBridge High-Yield Bond | &nbsp;&nbsp; 4.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 2.00% | 0.00% |
| SA Wellington Capital Appreciation | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; 4.00% | 5.00% |
| **Total** | &nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp; 100% | &nbsp;&nbsp;&nbsp; 100% | 100% |

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**\* \* \***

*This summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.*

EDGAR Contract Identifiers: C000124748, C000124626

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