Document:

EX-10.2

 Exhibit 10.2 

WESTERN DIGITAL CORPORATION 

AMENDED AND RESTATED 

2005 EMPLOYEE STOCK PURCHASE PLAN 

The Western Digital Corporation Amended and Restated 2005 Employee Stock Purchase Plan, as amended and restated from time to time (the
“Plan”) shall be established and operated in accordance with the following terms and provisions. 
  

	 	1.	 Definitions. 

As used in the Plan the following terms shall have the meanings set forth below: 

(a) “Board” means the Board of Directors of the Company. 

(b) “Code” means the Internal Revenue Code of 1986, as amended. 

(c) “Committee” means the committee appointed by the Board to administer the Plan as described in Section 4 below. 

(d) “Common Stock” means the common stock, $0.01 par value, of the Company. 

(e) “Company” means Western Digital Corporation, a Delaware corporation. 

(f) “Continuous Employment” means the absence of any interruption or termination of service as an Employee with the Company and/or
its Participating Subsidiaries. Continuous Employment shall not be considered interrupted in the case of a leave of absence agreed to in writing by the Company, provided that such leave is for a period of not more than three months or reemployment
upon the expiration of such leave is guaranteed by contract or statute. If a Participating Subsidiary ceases to be a Subsidiary, each person employed by that Subsidiary will be deemed to have had a break in Continuous Employment for purposes of the
Plan at the time the Participating Subsidiary ceased to be a Subsidiary, unless such person continues as an Employee in respect of another Company entity. 

(g) “Eligible Compensation” means, with respect to each Participant for each pay period, the full salary and wages paid to such
Participant by the Company or a Participating Subsidiary, including commissions, bonuses (to the extent not excluded below), overtime pay and shift differentials. Except as otherwise determined by the Committee, “Eligible Compensation”
does not include 
 (i) any amounts contributed by the Company or a Participating Subsidiary to any pension plan or plan of deferred
compensation, 
 (ii) any automobile or relocation allowances (or reimbursement for any such expenses), 

 (iii) any amounts paid that are non-regularly
scheduled items of compensation (for example, starting bonus, finder’s fee, or other special bonuses), 
 (iv) any amounts realized
under or with respect to any qualified or non-qualified stock options or any other equity-based awards, or 

(v) any amounts paid by the Company or a Participating Subsidiary for other fringe benefits, such as health and welfare, hospitalization and
group life insurance benefits, or perquisites, or paid in lieu of such benefits, such as cash-out of credits generated under a plan qualified under Code Section 125. 

(h) “Eligible Employee” means an Employee who is 

(i) customarily employed for at least twenty (20) hours per week and more than five months in a calendar year, and 

(ii) eligible to participate in the Plan as described in Section 5 below. 

If any person is (a) an Employee due to any classification or reclassification of the person as an employee or common-law employee of the Company or one of its Participating Subsidiaries by reason of action taken by any tax or other governmental authority, or (b) an Employee who has a written employment agreement
providing that the Employee shall not participate in the Plan until at least two (2) years of Continuous Employment, then such Employee must be employed for at least two (2) years by the Company or one of its Participating Subsidiaries as
well as meet the criteria set forth above in subsections (i) and (ii) in order to be an Eligible Employee. “Eligible Employee” shall not include an Employee who is a citizen or resident of a foreign jurisdiction to whom the grant of
an option under the Plan would be prohibited under the laws of such foreign jurisdiction, or compliance with the laws of such foreign jurisdiction would cause the Plan to violate the requirements of Section 423 of the Code. Any exclusions under
this Section 1(h) shall be applied in an identical manner to all Employees who are granted options under the Plan, to the extent required pursuant to Treasury Regulation Section 1.423-2(e). 

(i) “Employee” means each person currently employed by the Company or one of its Participating Subsidiaries. It shall not include
any person who is recorded on the books and records of the Company or one of its Participating Subsidiaries as an independent contractor or consultant or a worker provided by a temporary staffing agency. 

(j) “Enrollment Date” means the first day of each Offering Period. 

(k) “Exercise Date” means one or more dates during an Offering Period, as established by the Committee in accordance with
Section 6 hereof, on which options to purchase Common Stock granted under the Plan shall be exercised as provided in Section 11 hereof. 

(l) “Exercise Period” means one or more periods during an Offering Period, the duration of which shall be established by the
Committee in accordance with Section 6 hereof, during which payroll deductions are accumulated for purposes of purchasing Common Stock under the Plan on each Exercise Date. 

  
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 (m) “Exercise Price” means the price per share of shares offered in a given
Offering Period determined as provided in Section 10 below. 
 (n) “Fair Market Value” means, with respect to a share of
Common Stock as of any Enrollment Date or Exercise Date (or New Exercise Date, as the case may be), the closing price (in regular trading) of such Common Stock on the NASDAQ Stock Market (or, if the Common Stock is not then traded on the NASDAQ
Stock Market, on the principal national securities exchange on which the Common Stock is then listed or admitted to trade (the “Exchange”)). In the event that such a closing price is not available for an Enrollment Date or an Exercise
Date, or New Exercise Date, the Fair Market Value of a share of Common Stock on such date shall be the closing price (in regular trading) of a share of the Common Stock on the Exchange for the next preceding day on which sales of Common Stock were
made. If the Common Stock is no longer listed or is no longer actively traded on the Exchange as of the applicable date, the fair market value of the Common Stock shall be the value as reasonably determined by the Committee for purposes of the
option in the circumstances. 
 (o) “New Exercise Date” means the new exercise date set by the Board in the case of a sale of all
or substantially all of the assets of the Company, or the merger of the Company with or into another corporation or other entity in certain circumstances as described in Section 16(b). 

(p) “Offering Period” means a period of time with respect to which options are granted under the Plan, the time and duration of
which shall be established by the Committee in accordance with Section 6. 
 (q) “Parent” means any corporation, domestic or
foreign, which owns, directly or indirectly, not less than 50% of the total combined voting power of all classes of stock or other equity interests of the Company and that otherwise qualifies as a “parent corporation” within the meaning of
Section 424(e) of the Code or any successor thereto. 
 (r) “Participant” means an Eligible Employee who has elected to
participate in the Plan by filing an enrollment agreement with the Company as provided in Section 7 below. 
 (s) “Participating
Subsidiary” means any Subsidiary other than a Subsidiary excluded from participation in the Plan by the Committee, in its sole discretion. 

(t) “Plan” means this Western Digital Corporation Amended and Restated 2005 Employee Stock Purchase Plan. 

(u) “Subsidiary” means any corporation, domestic or foreign, of which the Company owns, directly or indirectly, not less than 50% of
the total combined voting power of all classes of stock or other equity interests and that otherwise qualifies as a “subsidiary corporation” within the meaning of Section 424(f) of the Code or any successor thereto. 

  
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	 	2.	 Purpose of the Plan. 

The purpose of the Plan is to provide an incentive for present and future Employees of the Company and its Participating Subsidiaries to
acquire a proprietary interest (or increase an existing proprietary interest) in the Company through the purchase of Common Stock. It is the intention of the Company that the Plan qualify as an “employee stock purchase plan” under
Section 423 of the Code. Accordingly, the provisions of the Plan shall be administered, interpreted and construed in a manner consistent with the requirements of that section of the Code. 

 

	 	3.	 Shares Reserved for the Plan. 

(a) There shall be reserved for issuance and purchase by Participants under the Plan an aggregate of 43,000,000 shares of Common Stock, subject
to adjustment as provided in Section 16 below. Shares of Common Stock subject to the Plan may be newly issued shares or shares reacquired in private transactions or open market purchases. If and to the extent that any right to purchase reserved
shares shall not be exercised by any Participant for any reason or if such right to purchase shall terminate as provided herein, shares that have not been so purchased hereunder shall again become available for the purposes of the Plan unless the
Plan shall have been terminated, but all shares sold under the Plan, regardless of source, shall be counted against the limitation set forth above. 

(b) From time to time and without stockholder approval, the Committee may fix a maximum limit on the number of shares that may be acquired by
any individual during an Exercise Period under the Plan, which limit shall be effective no earlier than the first Offering Period that commences after the determination of such limit by the Committee; provided, however, that any adjustment to such
limit pursuant to Section 16 shall apply to any Exercise Period in progress at the time such adjustment is made. 
  

	 	4.	 Administration of the Plan. 

(a) The Plan shall be administered by a Committee appointed by, and which shall serve at the pleasure of, the Board. The Committee shall
consist of two or more directors, each of whom is a “Non-Employee Director” within the meaning of Rule 16b-3 promulgated under the Securities Exchange Act of
1934, as amended, as such rule may be amended from time to time. The Committee shall have authority to interpret the Plan, to prescribe, amend and rescind rules and regulations relating to the Plan, and to make all other determinations necessary or
advisable for the administration of the Plan, all of which actions and determinations shall be final, conclusive and binding on all persons. 

(b) The Committee may request advice or assistance or employ such other persons as it in its absolute discretion deems necessary or
appropriate for the proper administration of the Plan, including, but not limited to employing a brokerage firm, bank or other financial institution to assist in the purchase of shares, delivery of reports or other administrative aspects of the
Plan. 

  
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 (c) Neither the Board nor any Committee, nor any member thereof or person acting at the
direction thereof, shall be liable for any act, omission, interpretation, construction or determination made in good faith in connection with the Plan, and all such persons shall be entitled to indemnification and reimbursement by the Company in
respect of any claim, loss, damage or expense (including, without limitation, attorneys’ fees) arising or resulting therefrom to the fullest extent permitted by law and/or under any directors and officers liability insurance coverage that may
be in effect from time to time. 
  

	 	5.	 Eligibility to Participate in the Plan. 

Subject to limitations imposed by Section 423(b) of the Code, any Eligible Employee who is employed by the Company or a Participating
Subsidiary on an Enrollment Date shall be eligible to participate in the Plan for the Offering Period beginning on that Enrollment Date. 
  

	 	6.	 Offering Periods. 

During the term of the Plan, the Company will grant options to purchase shares of Common Stock in each Offering Period to all Participants in
that Offering Period. The Committee shall determine from time to time, subject to the requirements of Section 423 of the Code, when Offering Periods will be offered during the term of the Plan and shall establish the Enrollment Date(s), the
number and duration of the Exercise Period(s), and the Exercise Date(s) for each such Offering Period, which determinations shall be effective no earlier than the first Offering Period that commences after they are made by the Committee and
provided, however, that no Offering Period may exceed twenty-four (24) months in duration. To the extent consistent with Section 423 of the Code, the Committee may provide for a new Offering Period to commence prior to the termination of
one or more preceding Offering Periods. 
  

	 	7.	 Election to Participate in the Plan. 

(a) Each Eligible Employee may elect to participate in an Offering Period by completing an enrollment agreement on a form approved by and in a
manner prescribed by the Committee (or its delegate) or, if the Committee does not require enrollment forms, by otherwise completing such enrollment procedures as the Committee may prescribe. Such agreement must be filed with the Company or such
other procedures must be completed, as applicable, prior to the applicable Enrollment Date, unless the Committee establishes an earlier deadline for filing the enrollment form for all Eligible Employees with respect to a given Offering Period. An
Eligible Employee may participate in an Offering Period only if, as of the Enrollment Date of such Offering Period, such Eligible Employee is not participating in any prior Offering Period which is continuing at the time of such proposed enrollment.

 (b) Payroll deductions for a Participant shall commence on the first payroll date on or following the Enrollment Date and shall end on
the last payroll date in the Offering Period to which such authorization is applicable, unless sooner terminated by the Participant as provided in Section 13. 

(c) Unless a Participant elects otherwise prior to the Enrollment Date of the immediately succeeding Offering Period, an Eligible Employee who
is participating in an Offering Period as of the last Exercise Date of such Offering Period (the “Prior Offering Period”) shall be deemed (i) to have elected to participate in the immediately succeeding Offering Period and
(ii) to have authorized the same payroll deduction for such immediately succeeding Offering Period as was in effect for such Participant immediately prior to the expiration or termination of the Prior Offering Period. 

  
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 (d) In its discretion, the Committee may determine (with such determination to be effective
no earlier than the first Offering Period that commences after such determination by the Committee) that the participation of all Participants on an Exercise Date in an Offering Period that includes more than one Exercise Period shall terminate and
such Participants shall be enrolled in a new Offering Period commencing immediately following such Exercise Date if, during such Offering Period, the Fair Market Value determined as of such Exercise Date within such Offering Period is lower than the
Fair Market Value determined as of the Enrollment Date of such Offering Period. In such event, each of such Participants shall be deemed for purposes of this Plan (i) to have elected to participate in such new Offering Period, and (ii) to
have authorized the same payroll deduction for such new Offering Period as was in effect for such Participant immediately prior to the termination of the prior Offering Period. 

 

	 	8.	 Payroll Deductions. 

(a) All Participant contributions to the Plan shall be made only by payroll deductions. At the time a Participant files the enrollment
agreement with respect to an Offering Period, the Participant shall authorize payroll deductions to be made on each payroll date during the Offering Period in an amount up to 10% (or such other limit as the Committee may establish prior to the start
of the applicable Offering Period) of the Eligible Compensation which the Participant receives on each payroll date during such Offering Period. The Committee also may prescribe other limits, rules or procedures for payroll deductions. Unless
otherwise provided by the Committee, the amount of such payroll deductions shall be a whole percentage (i.e., 1%, 2%, 3%, etc.) of the Participant’s Eligible Compensation. 

(b) All payroll deductions made for a Participant shall be deposited in the Company’s general corporate account and shall be credited to
the Participant’s account under the Plan. No interest shall accrue or be credited with respect to the payroll deductions of a Participant under the Plan. A Participant may not make any additional payments into such account. All payroll
deductions received or held by the Company under the Plan may be used by the Company for any corporate purpose, and the Company shall not be obligated to segregate such payroll deductions. 

(c) A Participant may discontinue participation in the Plan as provided in Section 13. Unless otherwise provided by the Committee in
advance of an Offering Period, a Participant may at any time during the Offering Period (but no more than four times in any calendar year) reduce or increase (subject to the limitations of Section 8(a) above) the rate of his or her payroll
deductions by completing and filing with the Company a change notice in the form provided by the Company. Any such reduction in the rate of a Participant’s payroll deductions shall be effective as soon as administratively feasible following
receipt by the Company of the Participant’s change notice, but in no event later than the second payroll date of the Company (or Participating Subsidiary, as the case may be) applicable to the Participant following the date that the Participant
files the change notice with the Company. Any such increase in the rate of a Participant’s payroll deductions shall be effective as of the first date of the next Exercise Period within such Offering Period (or, if such election is made in the
final Exercise Period of such Offering Period, the Enrollment Date of the next Offering Period). 

  
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	 	9.	 Grant of Options. 

(a) On the Enrollment Date of each Offering Period, subject to the limitations set forth in Sections 3, 9(b) and 18 hereof, each Participant
shall be granted an option to purchase on each Exercise Date during such Offering Period up to a number of shares of the Common Stock determined by dividing such Participant’s payroll deductions accumulated during the Exercise Period ending on
such Exercise Date by the Exercise Price for such Exercise Period (determined as provided in Section 10 below), provided that the number of shares subject to the option shall not exceed five (5) times the number of shares determined by
dividing (i) $40,000, by (ii) the Fair Market Value of a share of the Common Stock on the Enrollment Date multiplied by the percentage (not less than 85%) used to calculate the Exercise Price for that Offering Period. 

(b) Notwithstanding any provision of the Plan to the contrary, no Participant shall be granted an option under the Plan (i) if,
immediately after the grant, such Participant (or any other person whose stock would be attributed to such Participant pursuant to Section 424(d) of the Code) would own stock and/or hold outstanding options to purchase stock possessing 5% or
more of the total combined voting power or value of all classes of stock of the Company or of any Parent or any Subsidiary of the Company, or (ii) which permits such Participant’s rights to purchase stock under all employee stock purchase
plans of the Company, its Subsidiaries and any Parent to accrue at a rate which exceeds $25,000 of fair market value of such stock (determined at the time such option is granted, before giving effect to any discounted purchase price under any such
plan) for each calendar year in which such option is outstanding at any time. For purposes of the foregoing clause (ii), a right to purchase stock accrues when it first becomes exercisable during the calendar year. 

 

	 	10.	 Exercise Price. 

The Committee shall establish from time to time the method for determining the Exercise Price for each Offering Period under the Plan in
accordance with this Section 10, which determination shall be effective no earlier than the first Offering Period that commences after such determination is made by the Committee. In making its determination, the Committee may provide that the
Exercise Price for an Offering Period shall be determined by applying a discount amount (not to exceed 15%) to either (1) the Fair Market Value of a share of Common Stock on the Enrollment Date of such Offering Period, or (2) the Fair
Market Value of a share of Common Stock on the applicable Exercise Date, or (3) the lesser of the Fair Market Value of a share on the Enrollment Date of such Offering Period or the Fair Market Value of a share on the applicable Exercise
Date. Notwithstanding anything to the contrary in the preceding provisions of this Section 10, in no event shall the Exercise Price per share be less than the par value of a share of Common Stock. 

 

	 	11.	 Exercise of Options. 

Unless a Participant withdraws from the Plan as provided in Section 13, the Participant’s option for the purchase of shares will be
exercised automatically on each Exercise Date of the Offering Period, and the maximum number of full shares subject to option will be purchased for the Participant at the applicable Exercise Price with the accumulated payroll deductions in the
Participant’s account. Any amount remaining in the Participant’s account after an Exercise Date that is not sufficient to purchase a whole share shall be held in the account until the next Exercise

  
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Date. In the event that an Exercise Period has been over-subscribed or that any other applicable Plan limit has been exceeded by a Participant in an Exercise Period, any amount remaining in such
Participant’s account shall be refunded to the Participant as soon as administratively practicable after the end of the Offering Period. 
  

	 	12.	 Delivery of Shares. 

As soon as administratively practicable after the Exercise Date, the Company shall, in its discretion, either deliver to each Participant a
certificate representing the shares of Common Stock purchased upon exercise of his or her option, provide for the crediting of such shares of Common Stock in book entry form in the name of the Participant, or provide for an alternative arrangement
for the delivery of such shares of Common Stock to a broker or recordkeeping service for the benefit of the Participant. In the event the Company is required to obtain from any commission or agency authority to issue any such certificate or
otherwise deliver such shares, the Company will seek to obtain such authority. If the Company is unable to obtain from any such commission or agency authority which counsel for the Company deems necessary for the lawful issuance of any such
certificate or other delivery of such Common Shares, or if for any reason the Company cannot issue or deliver shares of Common Stock and satisfy Section 20(a), the Company shall be relieved from liability to any Participant except that the
Company shall return to each Participant to whom such shares of Common Stock cannot be issued or delivered the amount of the balance credited to his or her account that would have otherwise been used for the purchase of such shares. 

 

	 	13.	 Withdrawal; Termination of Employment. 

(a) A Participant may withdraw all but not less than all of the payroll deductions credited to the Participant’s account under the Plan at
any time by giving written notice to the Company. All of the Participant’s payroll deductions credited to the Participant’s account will be paid to him or her promptly after receipt of the Participant’s notice of withdrawal, the
Participant’s participation in the Plan will be automatically terminated, and no further payroll deductions for the purchase of shares will be made. Payroll deductions will not resume on behalf of a Participant who has withdrawn from the Plan
unless written notice is delivered to the Company within the open enrollment period preceding the commencement of an Exercise Period directing the Company to resume payroll deductions. 

(b) Upon termination of the Participant’s Continuous Employment during an Exercise Period for any reason, including retirement or death,
the payroll deductions credited to the Participant’s account for that Exercise Period will be returned to the Participant or, in the case of death, to the Participant’s estate, and the Participant’s options to purchase shares under
the Plan will be automatically terminated as of the date of such termination of Continuous Employment. 
 (c) In the event a Participant
fails to maintain Continuous Employment for at least twenty (20) hours per week during an Offering Period, the Participant will be deemed to have elected to withdraw from the Plan, the payroll deductions credited to the Participant’s
account will be returned to the Participant, and the Participant’s options to purchase shares under the Plan will be terminated. 
 (d)
A Participant’s withdrawal from an Offering Period will not have any effect upon the Participant’s eligibility to participate in a succeeding Offering Period or in any similar plan which may hereafter be adopted by the Company. 

  
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	 	14.	 Transferability. 

Neither payroll deductions credited to a Participant’s account nor options to purchase Common Stock granted under the Plan may be
transferred, assigned, pledged or otherwise disposed of by a Participant other than by will or the laws of descent and distribution. Options granted under the Plan are exercisable during a Participant’s lifetime only by the Participant. 

 

	 	15.	 Reports. 

Individual accounts will be maintained for each Participant in the Plan. Statements of account will be made available to Participants promptly
following each Exercise Date, which statements will set forth the amounts of payroll deductions, the per share Exercise Price, the number of shares purchased and the remaining cash balance, if any. 

 

	 	16.	 Adjustments Upon Changes in Capitalization. 

(a) Subject to Section 16(b), upon (or, as may be necessary to effect the adjustment, immediately prior to): any reclassification,
recapitalization, stock split (including a stock split in the form of a stock dividend) or reverse stock split; any merger, combination, consolidation, or other reorganization; any spin-off, split-up, or similar extraordinary dividend distribution in respect of the Common Stock; or any exchange of Common Stock or other securities of the Company, or any similar, unusual or extraordinary corporate
transaction in respect of the Common Stock; then the Committee shall equitably and proportionately adjust (1) the number and type of shares of Common Stock (or other securities) that thereafter may be made the subject of options (including the
specific share limits, maximums and numbers of shares set forth elsewhere in this Plan), (2) the number, amount and type of shares of Common Stock (or other securities or property) subject to any outstanding options, and (3) the Exercise Price
of any outstanding options, in each case to the extent necessary to preserve (but not increase) the level of incentives intended by this Plan and the then-outstanding options. 

(b) In the event of the proposed dissolution or liquidation of the Company, each Offering Period then in progress will terminate immediately
prior to the consummation of such proposed action, unless otherwise provided by the Committee. Upon any event in which the Company does not survive, or does not survive as a public company in respect of its Common Stock (including, without
limitation, a merger, combination, consolidation, or other reorganization; any exchange of Common Stock or other securities of the Company; a sale of all or substantially all the business, stock or assets of the Company; or other event in which the
Company does not survive or does not survive as a public company in respect of its Common Stock), then, unless the Committee provides that each option under the Plan shall be assumed or an equivalent option shall be substituted by such successor
corporation or entity or a parent or subsidiary of such successor corporation or entity, each Exercise Period then in progress shall be shortened and a new Exercise Date shall be set by the Committee to occur upon or immediately prior to such
transaction or event (the “New Exercise Date”), as of which date the Plan and any Exercise Period and related Offering Period then in progress will terminate. The New Exercise Date shall be on or before the date of consummation of the
transaction and the Committee shall 

  
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notify each participant in writing, at least ten (10) days prior to the New Exercise Date (to the extent administratively practicable), that the Exercise Date for his or her option has been
changed to the New Exercise Date and that his or her option will be exercised automatically on the New Exercise Date, unless prior to such date he or she has withdrawn from the Offering Period as provided in Section 13. The Exercise Price on
the New Exercise Date shall be determined as provided in Section 10 hereof, and for purposes of determining such Exercise Price, the New Exercise Date shall be treated as the “Exercise Date.” 

(c) In all cases, the Committee shall have full discretion to exercise any of the powers and authority provided under this Section 16,
and the Committee’s actions hereunder shall be conclusive and binding on all persons. No fractional shares of stock shall be issued under the Plan pursuant to any adjustment authorized under the provisions of this Section 16. 

 

	 	17.	 Amendment of the Plan. 

The Board may at any time, or from time to time, amend or suspend the Plan, in whole or in part and without notice. Stockholder approval for
any amendment shall not be required, except to the extent required by law or applicable stock exchange rules, or required under Section 423 of the Code in order to preserve the intended tax consequences of the Plan. No options may be granted
during any suspension of the Plan or after a termination of the Plan pursuant to Section 18(b) below, but the Committee will retain jurisdiction as to options then outstanding in accordance with the terms of the Plan. No amendment, suspension
or termination pursuant to this Section 17 or Section 18 shall, without written consent of the Participant, affect in any manner materially adverse to the Participant any right or benefits of such Participant or obligations of the Company
under any option granted under the Plan prior to the effective date of such change; provided that the Board may amend, suspend or terminate the Plan as to any outstanding options granted under the Plan for an Offering Period, effective as of any
Exercise Date within that Offering Period, without the consent of the Participants to whom such options were granted. In no event shall changes contemplated by Section 7(d) or Section 16 be deemed to constitute changes or amendments
requiring Participant consent. 
  

	 	18.	 Termination of the Plan. 

The Plan and all rights of Employees hereunder shall terminate: 

(a) on the Exercise Date that Participants would become entitled to purchase a number of shares greater than the number of reserved shares
remaining available for purchase under the Plan if the final sentence in this Section 18 were not applied; or 
 (b) at any time, at
the discretion of the Board. 
 In the event that the Plan terminates under circumstances described in Section 18(a) above, reserved
shares remaining as of the termination date shall be sold to Participants on a pro rata basis. 

  
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	 	19.	 Notices. 

All notices or other communications by a Participant to the Company under or in connection with the Plan shall be deemed to have been duly
given when received in the form specified by the Company at the location, or by the person, designated by the Company for the receipt thereof. 
  

	 	20.	 Conditions Upon Issuance of Shares. 

(a) The Plan, the grant and exercise of options to purchase shares of Common Stock under the Plan, and the Company’s obligation to sell
and deliver shares upon the exercise of options to purchase shares shall be subject to all applicable federal, state, local and foreign laws, rules and regulations, and to such approvals by any listing, regulatory or governmental agency as may, in
the opinion of counsel for the Company, be necessary or advisable in connection therewith. The person acquiring any securities under this Plan will, if requested by the Company or one of its Subsidiaries, and as a condition precedent to the exercise
of his or her option, provide such assurances and representations to the Company or one of its Subsidiaries as the Committee may deem necessary or desirable to assure compliance with all applicable legal and accounting requirements. 

(b) The Company may make such provisions as it deems appropriate for withholding by the Company pursuant to federal, state or local income tax
laws of such amounts as the Company determines it is required to withhold in connection with the purchase or sale by a Participant of any Common Stock acquired pursuant to the Plan. The Company shall have the right at its option to (1) require
the Participant to pay or provide for payment of the amount of any taxes which the Company or any Subsidiary may be required or permitted to withhold with respect to such event or (2) deduct from any amount otherwise payable in cash to the
Participant (or the Participant’s personal representative or beneficiary, as the case may be) the amount of any taxes which the Company or any Subsidiary may be required or permitted to withhold with respect to such event. The Company may
require a Participant to satisfy any relevant tax requirements before authorizing any issuance of Common Stock to such Participant. 
  

	 	21.	 Employees’ Rights. 

(a) Nothing in the Plan (or in any other document related to the Plan) will confer upon any Eligible Employee or Participant any right to
continue in the employ or other service of the Company or any Subsidiary, constitute any contract or agreement of employment or other service or effect an employee’s status as an employee at will, nor shall interfere in any way with the right
of the Company or any Subsidiary to change such person’s compensation or other benefits or to terminate his or her employment or other service, with or without cause. Nothing contained in this Section 21(a), however, is intended to
adversely affect any express independent right of any such person under a separate employment or service contract. 
 (b) No Participant or
other person will have any right, title or interest in any fund or in any specific asset (including shares of Common Stock) of the Company or any Subsidiary by reason of any option hereunder. Neither the provisions of the Plan (or of any other
document related to the Plan), nor the creation or adoption of the Plan, nor any action taken pursuant to the provisions of the Plan will create, or be construed to create, a trust of any kind or a fiduciary relationship between the Company or any
Subsidiary and any Participant, beneficiary or other person. To the extent that a Participant, beneficiary or other person acquires a right to receive payment pursuant to the Plan, such right will be no greater than the right of any unsecured
general creditor of the Company. 

  
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 (c) A Participant will not be entitled to any privilege of stock ownership as to any shares
of Common Stock not actually delivered to and held of record by the Participant. Except as expressly required by Section 16(a) or otherwise expressly provided by the Committee, no adjustment will be made for dividends or other rights as a
stockholder for which a record date is prior to such date of delivery. 
  

	 	22.	 Miscellaneous. 

(a) The Plan, the options granted hereunder and any other documents related to the Plan shall be governed by, and construed in accordance with,
the laws of the State of Delaware, notwithstanding any Delaware or other conflict of law provision to the contrary. 
 (b) If any provision
of the Plan shall be held by a court of competent jurisdiction to be invalid and unenforceable, the remaining provisions of the Plan shall continue in effect. 

(c) Captions and headings are given to the sections of the Plan solely as a convenience to facilitate reference. Such captions and headings
shall not be deemed in any way material or relevant to the construction of interpretation of the Plan or any provision hereof. 
 (d) The
adoption of the Plan shall not affect any other Company or Subsidiary compensation or incentive plans in effect. Nothing in the Plan will limit or be deemed to limit the authority of the Board or Committee (1) to establish any other forms of
incentives or compensation for employees of the Company or any Subsidiary (with or without reference to the Common Stock), or (2) to grant or assume options (outside the scope of and in addition to those contemplated by the Plan) in connection
with any proper corporate purpose, to the extent consistent with any other plan or authority. Benefits received by a Participant under an option granted pursuant to the Plan shall not be deemed a part of the Participant’s compensation for
purposes of the determination of benefits under any other employee welfare or benefit plans or arrangements, if any, provided by the Company or any Subsidiary, except where the Committee or the Board (or the Board of Directors of the Subsidiary that
sponsors such plan or arrangement, as applicable) expressly otherwise provides or authorizes in writing. 
 (e) The Committee may also adopt
rules, procedures or sub-plans applicable to particular Subsidiaries or locations, which sub-plans may be designed to be outside the scope of Section 423 of the
Code and need not comply with the otherwise applicable provisions of the Plan. 
 As Amended August 6, 2012, August 5, 2015,August 2, 2018 and
August 25, 2022 

  
 12rila290nydraft210-25x22

  RILA290NY          Jackson National Life Insurance Company of New York®    Thank you for choosing Jackson National Life Insurance Company of New York, also referred to as "the  Company" or "Jackson of NY®."    READ YOUR CONTRACT CAREFULLY.    This annuity contract is issued by the Company and is a legal agreement between the Owner ("You") and  Jackson of NY.    PLEASE NOTE THAT THIS CONTRACT REFERS TO AND UTILIZES EXTERNAL INDEXES. WHILE  THE CONTRACT VALUES MAY BE AFFECTED BY THE EXTERNAL INDEXES, THE CONTRACT  DOES NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENTS. AN INDEX  ADJUSTMENT TO THE INDEX ACCOUNT IS NOT GUARANTEED AND MAY VARY BASED UPON  THE PERFORMANCE OF THE INDEXES.    THE INDEX RETURN MAY BE POSITIVE, NEGATIVE OR ZERO AND INVESTMENT IN THIS  CONTRACT MAY RESULT IN A LOSS OF PRINCIPAL. IN SOME INSTANCES, THE POTENTIAL  INVESTMENT LOSS FOR THIS PRODUCT MAY BE SIGNIFICANTLY GREATER THAN THE  POTENTIAL INVESTMENT GAIN. IN EXCHANGE FOR SOME LOSS PROTECTION, YOU MAY  SACRIFICE POTENTIAL GAIN. THERE MAY BE LIMITS ON GAINS THAT COULD DELAY OR  PREVENT YOU FROM EARNING BACK LOSSES.    AMOUNTS ALLOCATED TO THE FIXED ACCOUNT WILL EARN INTEREST AT THE CURRENT  INTEREST RATE FOR THE DURATION OF THE FIXED ACCOUNT PERIOD. THE INTEREST RATE  CREDITED FOR SUBSEQUENT PERIODS IS SUBJECT TO CHANGE AS DECLARED BY THE  COMPANY.    THE WITHDRAWAL VALUE AVAILABLE UNDER THIS CONTRACT IS EQUAL TO THE CONTRACT  VALUE LESS ANY APPLICABLE WITHDRAWAL CHARGE.    PLEASE READ THE IMPORTANT CONTRACT DISCLOSURES ON THE FOLLOWING  PAGE.    NOTICE OF RIGHT TO EXAMINE CONTRACT  YOU MAY RETURN THIS CONTRACT TO THE FINANCIAL PROFESSIONAL WHO SOLD YOU THE  CONTRACT OR THE COMPANY WITHIN [10] DAYS AFTER YOU RECEIVE IT ([60] DAYS AFTER  YOU RECEIVE IT IF IT WAS PURCHASED AS A REPLACEMENT CONTRACT). THE COMPANY WILL  REFUND THE PREMIUM PAID TO THE FIXED ACCOUNT, LESS THE AMOUNT OF ANY PARTIAL  WITHDRAWALS FROM THE FIXED ACCOUNT, PLUS THE INDEX ACCOUNT VALUE WITHOUT  DEDUCTION FOR ANY FEES AND CHARGES. RETURNED CONTRACTS ARE VOID. INDIVIDUAL SINGLE PREMIUM DEFERRED  REGISTERED INDEX-LINKED ANNUITY.  DEATH BENEFIT AVAILABLE.  INCOME OPTION AVAILABLE.  NON-PARTICIPATING.  CONTAINS PROVISIONS WAIVING  WITHDRAWAL CHARGES.    Home Office: Customer Care Center:  [2900 Westchester Avenue [P.O. Box 24068  Purchase, New York 10577] Lansing, MI 48909-4068   1-800-599-5651  www.jackson.com]    This Contract is signed by the Company President    Secretary   

 

  RILA290NY Contract Cover Page Continued  Home Office:      Customer Care Center:     [2900 Westchester Avenue   [P.O. Box 24068  Purchase, New York 10577]  Lansing, MI 48909-4068  1-800-599-5651  www.jackson.com]       IMPORTANT - CONTRACT DISCLOSURES    PLEASE READ CAREFULLY          PLEASE REVIEW THE CONTRACT DATA PAGES FOR WITHDRAWAL CHARGE INFORMATION.    THE COMPANY MAY RESTRICT TRANSFERS TO INDEX ACCOUNT OPTIONS AT ANY  TIME, ON A NON-DISCRIMINATORY BASIS, IF THE YIELD ON INVESTMENT OR COST OF  HEDGING WOULD NOT SUPPORT THE MINIMUM GUARANTEES OF THE INDEX  ACCOUNT OPTION(S). HOWEVER, AT LEAST ONE (1) INDEX ACCOUNT OPTION WILL  ALWAYS REMAIN AVAILABLE FOR ALLOCATION. SHOULD THE COMPANY IMPOSE  SUCH RESTRICTIONS, THE COMPANY WILL GIVE AT LEAST 30 DAYS ADVANCE  NOTICE TO YOU. THE COMPANY WILL ALSO PROVIDE WRITTEN NOTICE WHEN SUCH  RESTRICTIONS NO LONGER EXIST.    THE COMPANY WILL NOT RESTRICT TRANSFERS TO THE FIXED ACCOUNT OPTION(S)  AT ANY TIME.        ffice: Customer Care Center:  [  tchester Avenue [P.O. Box 24068  r ,  r  ] Lansing, MI 48909-4068   1-800-599-5651  www.jackson.com]  

 

  RILA290NY 2  TABLE OF CONTENTS     Provision Page Number    Contract Data Pages [3a    Definitions  4    General Provisions 8    Contract Option Provisions 13    Withdrawal Provisions 17    Death Benefit Provisions 23    Income Provisions 27    Termination Provisions 30]    If You have questions about this Contract or require information about coverage or complaint  resolutions, You may contact the Company's Customer Care Center identified on the Contract's  cover page.    

 

  RILA290NY-CB1 3a  CONTRACT DATA PAGES    Contract Number: [1234567890]     Owner: [John Doe]     Owner Issue Age: [45]     Joint Owner: [No Joint Owner]     Joint Owner Issue Age: [N/A]     Annuitant: [John Doe]     Annuitant Issue Age: [45]     Joint Annuitant: [No Joint Annuitant]     Joint Annuitant Issue Age: [N/A]     Issue Date: [June 1, 2023]     Issue State: NY     Premium Amount: [$25,000]     Income Date: [June 1, 2073]     Primary Beneficiary(ies): [Brian Doe]     Contingent Beneficiary(ies): [Jane Doe]                                  

 

  RILA290NY-CB1 3b  CONTRACT DATA PAGES (CONT'D)    FIXED ACCOUNT INFORMATION:    Initial 1-Year Fixed Account Option Interest Rate: [1.00%]    Fixed Account Minimum Interest Rate (FAMIR): [1.00%]    INTEREST RATE FOR ADJUSTMENTS DUE TO MISSTATEMENT OF AGE OR SEX: [1.00%]    WITHDRAWALS:    Withdrawal Charge Schedule:    Contract  Year  Withdrawal Charge  Percentage    1 8.00%  2 8.00%  3 7.00%  4 6.00%  5 5.00%  6 4.00%  7+ 0.00%         Please see Withdrawal Provisions for complete explanation of the determination of Withdrawal  Charges.     Minimum partial withdrawal amount unless as a scheduled part of an automatic  withdrawal program: [$500]    Minimum partial withdrawal amount as a scheduled part of an automatic withdrawal  program: [$50]    Minimum Contract Value remaining after a partial withdrawal: [$2,000]    Free Withdrawal Percentage: [10%]   

 

  RILA290NY-CB1 3c  CONTRACT DATA PAGES (CONT'D)    Waiver of Withdrawal Charge for Extended Care Eligibility Date: [June 1, 2024]    Waiver of Withdrawal Charge for Extended Care Maximum Amount: [100%] of the Contract  Value, not to exceed [$250,000]    PREMIUM:    This is a single Premium Contract. The Company may waive minimum and maximum Premium  at any time, on a non-discriminatory basis.     Minimum Premium: [$25,000]    Maximum Premium under a Contract: [$1,000,000]    SEPARATE ACCOUNT:    [JNLNY RILA Separate Account I]  

 

  RILA290NY-CB1 3d  CONTRACT DATA PAGES (CONT'D)    TABLE OF INCOME OPTIONS    The following table shows income values for each $1,000 of net proceeds applied to the Income  Option.    UNDER OPTION 4 MONTHLY INSTALLMENTS UNDER OPTIONS 1 OR 3      No. of  Monthly  Install- ments      Monthly  Install- ments      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain  Male Life 120 240 Male Life 120 240 Female Life 120 240 Female Life 120 240  60 17.09 40 2.33 2.32 2.31 68 4.72 4.57 4.02 40 2.22 2.22 2.21 68 4.36 4.26 3.86  72 14.31 41 2.37 2.36 2.35 69 4.90 4.72 4.09 41 2.26 2.26 2.25 69 4.52 4.40 3.94  84 12.33 42 2.41 2.41 2.39 70 5.09 4.89 4.16 42 2.30 2.30 2.29 70 4.69 4.55 4.02  96 10.84 43 2.45 2.45 2.43 71 5.31 5.06 4.23 43 2.34 2.34 2.32 71 4.87 4.70 4.09  108 9.68 44 2.50 2.50 2.47 72 5.54 5.24 4.29 44 2.38 2.38 2.36 72 5.06 4.87 4.16  120 8.76 45 2.55 2.54 2.52 73 5.79 5.43 4.34 45 2.42 2.42 2.40 73 5.28 5.04 4.22  132 8.00 46 2.60 2.59 2.56 74 6.06 5.63 4.39 46 2.47 2.47 2.45 74 5.51 5.23 4.28  144 7.37 47 2.65 2.64 2.61 75 6.35 5.83 4.43 47 2.52 2.51 2.49 75 5.76 5.42 4.34  156 6.84 48 2.71 2.70 2.66 76 6.67 6.04 4.47 48 2.57 2.56 2.54 76 6.03 5.62 4.38  168 6.38 49 2.77 2.76 2.71 77 7.02 6.26 4.50 49 2.62 2.61 2.59 77 6.33 5.83 4.43  180 5.98 50 2.83 2.82 2.76 78 7.40 6.48 4.52 50 2.67 2.67 2.64 78 6.65 6.04 4.46  192 5.64 51 2.89 2.88 2.82 79 7.81 6.70 4.54 51 2.73 2.72 2.69 79 7.01 6.26 4.49  204 5.33 52 2.96 2.94 2.88 80 8.27 6.92 4.56 52 2.79 2.78 2.74 80 7.40 6.48 4.52  216 5.06 53 3.03 3.01 2.94 81 8.76 7.13 4.57 53 2.85 2.84 2.80 81 7.83 6.70 4.54  228 4.82 54 3.10 3.08 3.00 82 9.30 7.34 4.58 54 2.92 2.91 2.85 82 8.29 6.92 4.56  240 4.60 55 3.18 3.16 3.06 83 9.89 7.53 4.58 55 2.99 2.98 2.91 83 8.80 7.13 4.57  252 4.40 56 3.26 3.23 3.13 84 10.54 7.72 4.59 56 3.07 3.05 2.98 84 9.35 7.33 4.58  264 4.22 57 3.35 3.32 3.19 85 11.26 7.88 4.59 57 3.14 3.12 3.04 85 9.95 7.52 4.58  276 4.06 58 3.44 3.40 3.26 86 12.05 8.03 4.59 58 3.23 3.20 3.11 86 10.59 7.70 4.59  288 3.90 59 3.54 3.49 3.34 87 12.91 8.17 4.59 59 3.31 3.29 3.18 87 11.28 7.87 4.59  300 3.77 60 3.64 3.59 3.41 88 13.86 8.28 4.60 60 3.40 3.37 3.25 88 12.03 8.02 4.59  312 3.64 61 3.74 3.69 3.48 89 14.88 8.38 4.60 61 3.50 3.46 3.32 89 12.84 8.15 4.59  324 3.52 62 3.86 3.79 3.56 90 15.99 8.46 4.60 62 3.60 3.56 3.40 90 13.71 8.27 4.60  336 3.41 63 3.98 3.91 3.64 91 17.17 8.53 4.60 63 3.71 3.66 3.47 91 14.66 8.37 4.60  348 3.31 64 4.11 4.02 3.71 92 18.43 8.58 4.60 64 3.82 3.77 3.55 92 15.70 8.45 4.60  360 3.21 65 4.24 4.15 3.79 93 19.78 8.63 4.60 65 3.95 3.88 3.63 93 16.86 8.53 4.60    66 4.39 4.28 3.87 94 21.20 8.66 4.60 66 4.07 4.00 3.71 94 18.13 8.58 4.60    67 4.55 4.42 3.95 95 22.67 8.68 4.60 67 4.21 4.12 3.79 95 19.53 8.63 4.60    Note: Due to the volume of relevant information, the Table does not provide income values for  Option 2 described in the Income Provisions. Those values are available from the Company's  Customer Care Center upon request. You may contact the Company's Customer Care Center  as shown on the cover page of the Contract.    BASIS OF COMPUTATION. The 2012 Individual Annuity Mortality Period Table, with an  interest rate of 1.00% and a 0% expense load, provides the actuarial basis for the Table of  Income Options. The Table of Income Options does not include any applicable tax.  

 

  RILA290NY 4  DEFINITIONS    1-YEAR FIXED ACCOUNT OPTION. An account within the Fixed Account for allocation of  Premium or Contract Value. Premium or Contract Value can only be allocated on the Issue Date  or a subsequent Contract Anniversary.    ANNUITANT. The natural person(s) so designated on the Contract Data Pages, or by  subsequent designation, whose life determines the amount of Income Payments provided by  the Contract. References to the Annuitant include all Joint Annuitants, if applicable.    BENEFICIARY(IES). The natural person(s) or legal entity(ies) You designate as Primary or  Contingent Beneficiary(ies) to receive any death benefit provided by the Contract. The initial  Beneficiary(ies) are shown on the Contract Data Pages.    BUSINESS DAY. Any day that the New York Stock Exchange (NYSE) is open for business. The  Business Day ends when the NYSE closes for the day.    CONTRACT. The Individual Single Premium Deferred Registered Index-Linked Annuity  described herein.    CONTRACT ANNIVERSARY. The Business Day on or immediately following each one-year  anniversary of the Issue Date.    CONTRACT OPTION(S). The Contract Options for this Contract are the Fixed Account and the  Index Account.     CONTRACT VALUE. The Contract Value is equal to the sum of the Fixed Account Value and  the Index Account Value. See the Contract Option Provisions for details of how the Fixed  Account Value and Index Account Value are determined.     CONTRACT YEAR. The twelve-month period beginning on the Issue Date and on any Contract  Anniversary thereafter while the Contract remains in force.    CREDITING METHOD. A method of calculating the Index Adjustment. See the Crediting  Method Endorsements and Supplemental Contract Data Pages for details.    CUSTOMER CARE CENTER. The Company's administrative address and telephone number  as identified on the Contract's cover page or as the Company may designate from time to time.    DUE PROOF. Evidence of death includes a certified death certificate issued by the  governmental authority for the location of the death, or other lawful evidence the Company  requires.  

 

  RILA290NY 5  DEFINITIONS (CONT'D)    FIXED ACCOUNT. A Contract Option in which amounts earn a declared rate of interest for a  certain period.    FIXED ACCOUNT MINIMUM INTEREST RATE (FAMIR). The Fixed Account Minimum Interest  Rate is the minimum annual percentage at which Your money allocated to the Fixed Account  will grow. The Company uses this rate to determine the Fixed Account Minimum Value (FAMV).  The FAMIR is shown on the Contract Data Pages and is guaranteed for the life of the Contract.    FIXED ACCOUNT MINIMUM VALUE (FAMV). The FAMV is equal to all amounts allocated to  the Fixed Account (with the exception of any applicable spousal continuation adjustment), net of  applicable taxes, reduced by partial withdrawals, transfers, and charges from the Fixed Account,  accumulated at the FAMIR, less any Withdrawal Charges or tax due.    FIXED ACCOUNT OPTION. An option within the Fixed Account for allocation of Premium or  Contract Value. Each Fixed Account Option is defined by a term for which amounts earn a  declared rate of interest. The Fixed Account Options available are the 1-Year Fixed Account  Option and the Short Duration Fixed Account Option.    FIXED ACCOUNT VALUE. The Fixed Account Value is equal to:   1. the value of Premium and any amounts transferred into the Fixed Account; plus  2. interest credited daily at a rate not less than the FAMIR, as shown on the Contract Data  Pages, per annum; less  3. any gross partial withdrawals, including any Withdrawal Charges on such withdrawals; less  4. any amounts transferred out of the Fixed Account.  The Fixed Account Value will never be less than the FAMV.    GOOD ORDER. The Company's receipt of all Premium, information, documentation, and/or  instructions the Company requires before it will issue the Contract, credit any interest, or  execute any transaction.     INCOME DATE. The date on which Income Payments are scheduled to begin as described in  the Income Provisions. The Income Date must be at least thirteen (13) months after the  Contract Issue Date. The Income Date is shown on the Contract Data Pages.    INCOME OPTION. Payment options as provided under the Income Provisions.    INDEX(ES). A benchmark used to determine the Index Adjustment, if any, for a particular Index  Account Option. See the Supplemental Contract Data Pages for the available Indexes as of the  Issue Date.     INDEX ACCOUNT. A Contract Option in which amounts are subject to an Index Adjustment for  a specified period of time. See the Crediting Method Endorsements and Supplemental Contract  Data Pages for detailed descriptions of the Index Account Options within the Index Account.  Index Account Option availability is subject to change by the Company on a non-discriminatory  basis.    INDEX ACCOUNT OPTION. An option within the Index Account for allocation of Premium or  Contract Value. Each Index Account Option is defined by its term, Index, and Crediting Method.  

 

  RILA290NY 6  DEFINITIONS (CONT'D)    INDEX ACCOUNT OPTION TERM ANNIVERSARY. The Business Day concurrent with or  immediately following the end of an Index Account Option term.    INDEX ACCOUNT VALUE. The Contract Value allocated to the Index Account. The Index  Account Value is the sum of the Index Account Option values.    INDEX ADJUSTMENT. The adjustment amount to an Index Account Option on the Index  Account Option Term Anniversary. This adjustment can be positive or negative, depending on  Index performance and Crediting Method.    INDEX ADJUSTMENT FACTOR(S). Parameters used to determine the Index Adjustment.  These parameters are specific to the applicable Crediting Method(s). See the Crediting Method  endorsements and Supplemental Contract Data Pages for additional details.    INTERIM VALUE. The quantity used to adjust the Index Account Option value for withdrawals  or an Intra-Term Performance Lock prior to the end of the Index Account Option term. The  Interim Value uses prorated Index Adjustment Factor(s) based on the elapsed portion of the  Index Account Option term. For detailed information on the Interim Value, see the Crediting  Method endorsements and the Supplemental Contract Data Pages.    INTRA-TERM PERFORMANCE LOCK. An elective transaction that allows early transfer of the  Interim Value out of an Index Account Option to the Short Duration Fixed Account Option prior  to the Index Account Option Term Anniversary. Intra-Term Performance Lock may not be  available with all Crediting Methods. See the Crediting Method Endorsements for details.    INTRA-TERM PERFORMANCE LOCK DATE. The Business Day the Interim Value is  reallocated to the Short Duration Fixed Account Option in connection with an Intra-Term  Performance Lock.    ISSUE DATE. The date the Company issued the Contract. The Issue Date is shown on the  Contract Data Pages.    JOINT ANNUITANT. Each of multiple Annuitants.    JOINT OWNER. Each of multiple Owners.    LATEST INCOME DATE (LID). The Contract Anniversary on which You will be 95 years old, or  such date allowed by the Company on a non-discriminatory basis or required by a Qualified  Plan, law, or regulation.    NON-QUALIFIED CONTRACT. A contract that is issued apart from any Qualified Plan and  therefore is not subject to the requirements of Sections 401, 403, 408, or 408A of the Internal  Revenue Code, as amended.    

 

  RILA290NY 7  DEFINITIONS (CONT'D)    OWNER ("YOU," "YOUR"). The natural person(s) or legal entity(ies) that has all rights under  the Contract, and is shown on the Contract Data Pages, or by subsequent designation. In this  Contract, "You" and "Your" also mean the Owner. References to the Owner include the Joint  Owners, if applicable.    PREMIUM. Money paid into this Contract for allocation into the Contract Options.    QUALIFIED PLAN. A retirement plan which qualifies for favorable tax treatment under Sections  401, 403, 408, or 408A of the Internal Revenue Code, as amended.    REMAINING PREMIUM. Total Premium paid into the Contract reduced by withdrawals of  Premium before the withdrawal is adjusted for any charges, including Withdrawal Charges. This  value is used solely for the purpose of calculating the Withdrawal Charge.    REQUIRED MINIMUM DISTRIBUTION (RMD). For Qualified Plan contracts, the RMD is the  amount defined by the Internal Revenue Code and the implementing regulations as the  minimum distribution requirement that applies to this Contract.    SHORT DURATION FIXED ACCOUNT OPTION. A limited-purpose Fixed Account Option that  is used for Intra-Term Performance Locks and the spousal continuation adjustment. The Short  Duration Fixed Account Option cannot be independently elected.    WITHDRAWAL CHARGE. A charge assessed against certain withdrawals from the Fixed  Account Option(s) and/or the Index Account Option(s). The Withdrawal Charge Schedule is  shown on the Contract Data Pages.    WITHDRAWAL VALUE. The amount available upon a total withdrawal. The Withdrawal Value is  equal to the Contract Value, less any applicable Withdrawal Charge.  

 

  RILA290NY 8   GENERAL PROVISIONS    ANNUITANT. You may change the Annuitant at any time before the Income Date, unless the  Contract is owned by a legal entity. Unless You specify otherwise, a change of Annuitant will  take effect on the date the request is signed by You, subject to any payments the Company has  made or other actions the Company has taken before the Company receives Your request. The  Company reserves the right to limit the number of Joint Annuitants to two (2).     When the Owner is a legal entity, the Annuitant may not be changed. If the Contract is owned  by a legal entity, the Company will use the oldest Annuitant's age for all Contract purposes  unless otherwise specified in the Contract. When the Owner is a legal entity, the Annuitant(s)  shall be entitled to the benefits of the Waiver of Withdrawal Charge for Extended Care  provisions.     ASSIGNMENT. To the extent allowed by New York law, the Company may refuse consent to  any assignment at any time, on a non-discriminatory basis, if the assignment or ownership  change would result in noncompliance with any New York or federal regulation. Unless  restricted by endorsement, You may assign ownership of this Contract subject to the interests of  assignees and irrevocable Beneficiaries. The Company will only be bound by an assignment if a  request is submitted in a form acceptable to the Company and received in Good Order at the  Company's Customer Care Center. Unless You specify otherwise, an assignment will take effect  on the date the request is signed by You, subject to any payments the Company has made or  other actions the Company has taken before the Company receives Your request.     The Company assumes no responsibility for the validity or tax consequences of any  assignment. If You make an assignment, You may have to pay taxes. The Company  encourages You to seek legal and/or tax advice.    BENEFICIARY. You may change the Beneficiaries, subject to the interest of assignees and  irrevocable Beneficiaries. The Company will only be bound by a change in Beneficiary if a  request is submitted in a form acceptable to the Company, received in Good Order at the  Company's Customer Care Center. Any previously designated irrevocable Beneficiary must  consent in writing to any change in Beneficiary. Unless You specify otherwise, a change of  Beneficiary will take effect on the date the request is signed by You, subject to any payments  the Company has made or other actions the Company has taken before the Company receives  and records Your request, and while You are alive.    CONFORMITY WITH LAWS. This Contract will be interpreted under the law of the state of New  York as of the date it is issued and any applicable federal laws. Any provision that is in conflict  with New York law, or any federal law, is amended to conform to the minimum requirements of  such law. Non-conforming provisions may be enforced against the Company to the extent  provided by applicable New York or federal law.    DEFERRAL OF PAYMENTS. The Company may defer payment of Your request for a partial  and/or total withdrawal from the Contract for a period not exceeding six (6) months. Such  deferral will be made after the Company receives approval in writing by the chief insurance  regulator of the state of New York, if required. The Company will credit interest on deferred  amounts pursuant to New York law. The Company will not defer death benefit payments,  annuity payments, or payments made to comply with the RMD requirements of the Internal  Revenue Code, as applicable.  

 

  RILA290NY 9  GENERAL PROVISIONS (CONT'D)    ENTIRE CONTRACT. The Contract, attached application or supplemental application, if any,  and any attached endorsements, add-on benefits, and amendments together make up the entire  Contract between You and the Company. All statements made by, or under the authority of, the  applicant for issuance of the Contract shall be deemed representations and not warranties.     GENERAL ACCOUNT. The General Account is made up of all of Jackson's assets. The  Company exercises sole discretion over the investment of the General Account assets, and  bears the associated investment risk. You will not share in the investment experience of  General Account assets. All of the assets of the General Account are chargeable with the claims  of any of our contract owners as well as our creditors and are subject to the liabilities arising  from any of our other business.    INCONTESTABILITY. The Company will not contest this Contract from its Issue Date, as  shown on the Contract Data Pages.    MINIMUM VALUES. Any Withdrawal Values and death benefits that may be available under  this Contract are not less than the minimum benefits required by the state of New York.    MISSTATEMENT OF AGE AND/OR SEX. If Your or the Annuitant's age and/or sex is misstated  at the time the Contract's Income Payments become payable, the Company will adjust the  payments to reflect income consistent with the correct age and/or sex. Immediately upon  discovery, the Company will adjust the next payment due as a credit or charge, as appropriate,  for any underpayments or overpayments using the Interest Rate for Adjustments Due to  Misstatement of Age or Sex shown on the Contract Data Pages.    MODIFICATION OF CONTRACT. No financial professional has authority to change or waive  any of this Contract's provisions. No change to or waiver of this Contract's terms is valid unless  in writing and signed by the Company's President, Vice President, Secretary or Assistant  Secretary and approved by the New York Department of Financial Services prior to use. Your  written consent will be obtained prior to changing any terms and conditions of the Contract in a  manner that diminishes Your rights and/or benefits under the Contract.    NONPARTICIPATING. This Contract is nonparticipating and does not share in the Company's  surplus or earnings.  

 

  RILA290NY 10  GENERAL PROVISIONS (CONT'D)    OWNER. To the extent allowed by New York law, the Company may refuse consent to an  ownership change at any time, on a non-discriminatory basis, if the ownership change would  result in noncompliance with any New York or federal regulation. Unless restricted by  endorsement, or federal tax law, You may change the Owner or the Joint Owner. The Company  will use the oldest Owner's age for all Contract purposes unless otherwise specified in the  Contract. The Company will only be bound by a change of ownership if submitted in a form  acceptable to the Company and received in Good Order at the Company's Customer Care  Center. No person whose age exceeds the maximum issue age in effect for this Contract as of  the Issue Date may become a new Owner. Unless You specify otherwise, a change of  ownership will take effect on the date the request is signed by You, subject to any payments the  Company has made or other actions the Company has taken before the Company receives  Your request. Joint Owners have equal ownership rights; therefore, each Owner must authorize  any exercise of Contract rights unless the Joint Owners instruct the Company in writing to act  upon authorization of an individual Joint Owner. The maximum number of Joint Owners allowed  is two (2).     If the Owner is a natural person, then the Owner is the life the death benefit is based on. For  Contracts issued to Joint Owners, the death benefit is based on the first Joint Owner to die. If  the Owner is a legal entity, a Joint Owner is not permitted and the Annuitant is the life the death  benefit is based on. If the Owner is a legal entity and there are Joint Annuitants, the death  benefit is based on the first Joint Annuitant to die.    The Company assumes no responsibility for the validity or tax consequences of any  ownership change. If You make an ownership change, You may have to pay taxes. The  Company encourages You to seek legal and/or tax advice.    PROOF OF AGE, SEX AND/OR SURVIVAL. The Company may require proof of age and/or  sex, satisfactory to the Company, at any time. If any payment required by this Contract depends  on a living Annuitant, Owner, or Beneficiary, the Company may require proof of that person's  survival, satisfactory to the Company.    PROTECTION OF PROCEEDS. A Beneficiary may not assign Contract proceeds before the  proceeds are payable to such Beneficiary. Contract proceeds are not subject to the claims of  creditors or to legal process unless required by New York law.    

 

  RILA290NY 11  GENERAL PROVISIONS (CONT'D)    REPORTS. The Company will send a report to Your last address in the Company's records at  least annually before the Income Date. In the case of Joint Owners, the Company will send  reports only to the address of the first Owner listed on the Contract Data Pages. If You have  elected electronic delivery, a report may be provided in the form of an email to Your last email  address in the Company's records, or a notice to You of a document's availability on the  Company's website. Each report will provide at least the following information:  1. the dates that begin and end the reporting period;   2. the Contract Value at the beginning and at the end of the current reporting period;   3. the Withdrawal Value at the end of the reporting period;   4. the Withdrawal Charge the Company used to determine the Withdrawal Value;   5. the amounts the Company has credited to and deducted from the Contract Value during the  reporting period;  6. the death benefit at the end of the reporting period; and  7. any other information New York and federal law require.     You may receive copies of reports the Company provides upon request at no additional charge  by contacting the Company's Customer Care Center as shown on the cover page of the  Contract.    You will receive a confirmation statement for certain transactions at the time they occur.    SEPARATE ACCOUNT. The Company holds certain investments supporting the assets  allocated to the Index Account in a non-insulated, non-unitized Separate Account. The Separate  Account is established pursuant to the applicable law solely for the purpose of supporting  obligations under the Contract. You do not directly participate in the performance of assets held  in the Separate Account and do not have any direct claim on them. Assets of the Separate  Account are chargeable with the claims of any of the Company's contract owners as well as the  Company's creditors and are subject to the liabilities arising out of any other business the  Company conducts. The Separate Account is not registered under the Investment Company Act  of 1940. The name of the Separate Account is shown on the Contract Data Pages.     TAXES. This Contract is intended to be treated as an annuity contract for federal income tax  purposes. Accordingly, for all Non-Qualified Contracts all provisions of this Contract shall be  interpreted and administered in accordance with the requirements of Section 72(s) of the  Internal Revenue Code. The Company will deduct any taxes attributed to the Contract and  payable to the state of New York or other government entity from the Contract Value as they are  incurred. The Company reserves the right to deduct any amounts the Company might advance  to pay taxes from the Contract Value. The Company will withhold taxes required by law from  any amounts payable from this Contract.  

 

  RILA290NY 12  GENERAL PROVISIONS (CONT'D)    WRITTEN NOTICE. Written information or instructions You intend to give the Company must be  in Good Order and delivered to the Company's Customer Care Center in a format currently  accepted by the Company, unless the Company advises You otherwise. A notice relating to  Owner, Beneficiary designation or assignment changes shall take effect on the date the request  is signed by You, subject to any payments the Company has made or other actions the  Company has taken before the Company receives the request. Otherwise, instructions included  in a Written Notice will take effect on the date the Company receives the notice at the  Company's Customer Care Center.    The Company will deliver any notice or communication to Your last known address in the  Company's records unless You request otherwise in writing. If You have elected electronic  delivery, communication may be provided in the form of an email to Your last email address in  the Company's records, or a notice to You of a document's availability on the Company's  website. You are responsible for notifying the Company of any address change, email address  change, or any error in a Company notice sent to You. In the case of Joint Owners, the  Company will send notices and other communications to the address of the first Owner listed on  the Contract Data Pages.  

 

  RILA290NY 13  CONTRACT OPTION PROVISIONS    The Contract contains two (2) types of Contract Options: Fixed Account and Index Account.    Upon Good Order, all Premium will be allocated to the Contract Options as elected on the  application. No Premium will be accepted after the Issue Date.    FIXED ACCOUNT OPTIONS.    1-Year Fixed Account Option. The 1-Year Fixed Account Option is an annually renewable fixed  account. The Company will credit interest to amounts allocated to the 1-Year Fixed Account  Option. Such initial and renewal interest will be credited at such rate(s) as the Company  prospectively declares on a periodic basis, at the sole discretion of the Company for contracts  with the same Issue Date. On each Contract Anniversary the interest rate for the 1-Year Fixed  Account Option is subject to change. In no event will the interest rate credited by the Company to  the 1-Year Fixed Account Option be less than the FAMIR, as shown on the Contract Data Pages,  per annum.    Short Duration Fixed Account Option. The Short Duration Fixed Account Option is a limited  purpose Fixed Account Option used only for Intra-Term Performance Lock amounts and spousal  continuation adjustment amounts. The interest rate credited to amounts in the Short Duration  Fixed Account Option is the rate currently declared for the Short Duration Fixed Account Option.  The interest rate is guaranteed until the next Contract Anniversary. In no event will the interest  rate credited by the Company to the Short Duration Fixed Account Option be less than the  FAMIR, as shown on the Contract Data Pages, per annum.    On each Contract Anniversary, any Fixed Account Value in the Short Duration Fixed Account  Option will be automatically transferred out of the Short Duration Fixed Account Option. If no  other instructions are provided by the Owner, Short Duration Fixed Account Option value from an  Intra-Term Performance Lock, including interest, will be allocated to a new Index Account Option  with the same Index Account Option term, Index, Crediting Method, and negative Index  Adjustment protection as the Index Account Option the Intra-Term Performance Lock was  executed on, if it is available and does not extend beyond the LID. If no other instructions are  provided by the Owner, Short Duration Fixed Account Option value from a spousal continuation  adjustment will be reallocated to the 1-Year Fixed Account Option.     Fixed Account Value. The Fixed Account Value is equal to (1) the value of Premium and any  amounts transferred into the Fixed Account Option(s); (2) plus interest credited daily at a rate not  less than the FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross  partial withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts  transferred out of the Fixed Account Option(s). The Fixed Account Value will never be less than  the FAMV.    INDEX ACCOUNT OPTIONS. An option within the Index Account for allocation of Contract  Value, defined by term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods  available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability  of terms, Indexes, and Crediting Methods are subject to change at the sole discretion of the  Company on a non-discriminatory basis. 

 

  RILA290NY 14  CONTRACT OPTION PROVISIONS (CONT'D)    Index Account Value. The Index Account Value is equal to the sum of the Index Account Option  values.    The Index Account Option value at the beginning of the Index Account Option term is equal to the  amount allocated or transferred to the Index Account Option less the amount transferred out of  the Index Account Option.    During the Index Account Option term, the Index Account Option value is equal to the Interim  Value. The Interim Value is the greater of the Index Account Option value at the beginning of the  term reduced for any Intra-Term Performance Locks and withdrawals from the Index Account  Option during the Index Account Option term, including any Withdrawal Charges, in the same  proportion as the Interim Value was reduced on the date of the Intra-Term Performance Lock or  withdrawal, plus the Index Adjustment subject to prorated Index Adjustment Factor(s), or zero.  Additional detail on Index Adjustment Factor(s) can be found in the Crediting Method  endorsements and Supplemental Contract Data Pages.    On the Index Account Option Term Anniversary, the Index Account Option value is equal to the  greater of the Index Account Option value at the beginning of the Index Account Option term,  reduced for any Intra-Term Performance Lock and withdrawals from the Index Account Option  during the Index Account Option term, including any Withdrawal Charges, in the same proportion  as the Interim Value was reduced on the date of the Intra-Term Performance Lock or withdrawal,  plus the Index Adjustment subject to Index Adjustment Factor(s), or zero. Additional detail on  Index Adjustment Factor(s) can be found in the Crediting Method endorsements and  Supplemental Contract Data Pages.    TRANSFERS. Transfers may only occur on the Contract Anniversary, when transferring out of  the Fixed Account Option(s), and on the Index Account Option Term Anniversary when  transferring out of an Index Account Option. You will be sent a notice thirty (30) days prior to the  Contract Anniversary and/or Index Account Option Term Anniversary. The notice will advise You  of how You may obtain information on the Contract Options and current rates available to You.  You may request a transfer to or from the 1-Year Fixed Account Option and to or from the Index  Account Option(s). You may also request transfers among the available Index Account Options  within the Index Account. A request for a transfer must be received in Good Order at the  Company's Customer Care Center prior to the Contract Anniversary or Index Account Option  Term Anniversary, as applicable.     If no transfer request is received on or prior to the Contract Anniversary, the 1-Year Fixed  Account Option value will remain in the 1-Year Fixed Account Option.     

 

  RILA290NY 15  CONTRACT OPTION PROVISIONS (CONT'D)    If no transfer request is received on or prior to the Index Account Option Term Anniversary, the  Index Account Option value(s) will be reallocated as follows:  1. if the same Index Account Option term with the same Index, Crediting Method, and negative  Index Adjustment protection is available at the time and does not extend beyond the LID,  the Company will renew the Index Account Option into the same Index Account Option term  with the same Index, Crediting Method, and downside protection;  2. if the same Index Account Option term with the same Index, Crediting Method, and negative  Index Adjustment protection is available at the time but extends beyond the LID, the  Company will select the available Index Account Option term with the same Index, Crediting  Method, and downside protection that ends closest to but before the LID;  3. if the same Index Account Option term is not available at the time but would not extend  beyond the LID were it available, the Company will select the available Index Account  Option term with the period closest to but less than the Index Account Option term that just  ended with the same Index and Crediting Method as well as the closest equal or greater  downside protection available for that term.    If the Crediting Method or Index is no longer available as of the Index Account Option Term  Anniversary, the Index Account Option value(s) will be reallocated to the 1-Year Fixed Account  Option.    Transfers into the Short Duration Fixed Account Option are only allowed in connection with an  Intra-Term Performance Lock.    Transfers from an Index Account Option in connection with an Intra-Term Performance Lock  may occur at any time, see Intra-Term Performance Lock for details.     Unless specified otherwise, transfers on a Contract Anniversary will be taken from the Index  Account Option(s) that have reached their Index Account Option Term Anniversary and the  Fixed Account Option(s) in proportion to their current value. The Company reserves the right to  restrict or prohibit transfers from the 1-Year Fixed Account Option to the Index Account Option  on a non-discriminatory basis, at any time.    Transfers from a Fixed Account Option will reduce the Fixed Account Value by the transfer  amount requested. Transfers into a 1-Year Fixed Account Option will increase the 1-Year Fixed  Account Option value by the transfer amount requested. Transfers from an Index Account  Option will reduce the Index Account Option value by the transfer amount requested. Transfers  into an Index Account Option will increase the Index Account Option value by the transfer  amount requested.    The Company may restrict transfers to an Index Account Option(s) at any time, on a non- discriminatory basis, if the yield on investment or cost of hedging would not support the  minimum guarantees of the Index Account Option(s). However, at least one (1) Index Account  Option will always remain available for allocation. Should the Company impose such  restrictions, the Company will give at least thirty (30) days advance notice to You. The Company  will also provide Written Notice when such restrictions no longer exist.    Whenever the Company restricts or discontinues an Index Account Option(s), the Company will  waive all Withdrawal Charges while those restrictions/discontinuations are in effect.  

 

  RILA290NY 16  CONTRACT OPTION PROVISIONS (CONT'D)    Intra-Term Performance Lock. Prior to the Index Account Option Term Anniversary, You may  elect to transfer the Interim Value of an Index Account Option into the Short Duration Fixed  Account Option by requesting an Intra-Term Performance Lock subject to the following:  1. To execute an Intra-Term Performance Lock, the Owner must specify the Crediting Method,  Index, Index Account Option term, and Index Adjustment Factor(s) of the Index Account  Option(s) from which to execute the Intra-Term Performance Lock. Intra-Term Performance  Lock may not be available with all Crediting Methods. See the Crediting Method  Endorsements for details;  2. All Interim Value with the specified combination of Crediting Method, Index, Index Account  Option term, and Index Adjustment Factor(s) will be subject to the Intra-Term Performance  Lock. Partial Intra-Term Performance Locks for a given Crediting Method, Index, Index  Account Option term, and Index Adjustment Factor(s) will not be allowed.    The Interim Value transferred to the Short Duration Fixed Account Option will be equal to the  Interim Value at the end of the Business Day the request is received in Good Order at the  Company's Customer Care Center. The entire Interim Value of the Index Account Option  subject to the Intra-Term Performance Lock will be transferred to the Short Duration Fixed  Account Option on the Intra-Term Performance Lock Date and will receive the current interest  rate declared for amounts in the Short Duration Fixed Account Option as of the Intra-Term  Performance Lock Date. This interest rate will be guaranteed until the next Contract  Anniversary.    The amounts subject to the Intra-Term Performance Lock will remain in the Short Duration  Fixed Account Option until the next Contract Anniversary, at which time the Owner can  reallocate to any available Contract Option. If no other instructions are provided by the Owner,  the Short Duration Fixed Account Option value from an Intra-Term Performance Lock, including  interest, will be allocated to a new Index Account Option with the same Index Account Option  term, Index, Crediting Method, and negative Index Adjustment protection as the Index Account  Option the Intra-Term Performance Lock was executed on, if it is available and does not extend  beyond the LID.    Periodic Reallocation Programs. The Company may provide programs that allow You to  systematically transfer amounts between the Contract Options. These programs may include  rebalancing and the automatic transfer of positive Index Adjustments from the Index Account  Options to the 1-Year Fixed Account Option. You may contact the Company's Customer Care  Center to obtain materials and forms that describe, and are required to participate in, these  programs. The Company makes no guarantee that these programs will result in a profit or  protect against loss.  

 

  RILA290NY 17  WITHDRAWAL PROVISIONS    On or before the Income Date, You may request a total or partial withdrawal of the Contract  Value by submitting a request to the Company's Customer Care Center in a form acceptable to  the Company.    The withdrawal will be processed after a withdrawal request is received at the Company's  Customer Care Center in Good Order. If a total withdrawal is requested, You must submit the  Contract to the Company's Customer Care Center with the withdrawal request.    No withdrawal may exceed the Withdrawal Value.    TOTAL WITHDRAWAL. The Withdrawal Value for a total withdrawal from the Contract is equal  to the Contract Value less any Withdrawal Charge. A total withdrawal terminates Your Contract.    In no event will a total withdrawal from the Fixed Account be less than the FAMV.    PARTIAL WITHDRAWAL. Any partial withdrawal may be subject to a Withdrawal Charge. At  least the Minimum Contract Value remaining after a partial withdrawal, as shown on the  Contract Data Pages, must remain after any partial withdrawal. Unless You request otherwise, a  gross partial withdrawal will be deducted from the Fixed Account Option(s) and the Index  Account Option(s) in proportion to their current values. The gross partial withdrawal will be  reduced for any applicable Withdrawal Charge.     If the gross amount of the partial withdrawal would reduce the Contract Value below the  Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data  Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal  Value will be paid.    The amount payable as a result of the partial withdrawal will be determined at the end of the  Business Day on which the Company receives Your request for withdrawal in Good Order at the  Company's Customer Care Center.     Partial Withdrawals will reduce each Index Account Option's value at the beginning of the term  in the same proportion that its Interim Value was reduced on the date of the withdrawal.     Any overpayments made by the Company to You in error must be returned within thirty (30)  days from the date You are notified of the overpayment, or the Company will reduce Your  Contract Value for the amount of the overpayment. If the overpayment exceeds the Contract  Value, You are responsible for returning the remaining portion of the overpayment to the  Company.    QUALIFIED PLAN CONTRACT REQUIRED MINIMUM DISTRIBUTIONS. Qualified Plan  Contract RMDs are based upon Your Contract Value, the value of any add-on benefits as  calculated by the Company, and applicable federal tax law requirements. You may request a  withdrawal for an RMD by submitting a written request to the Customer Care Center on a  Company provided form.  

 

  RILA290NY 18  WITHDRAWAL PROVISIONS (CONT'D)    The Company will waive any Withdrawal Charge if the gross amount withdrawn does not  exceed the Contract's RMD amount, as determined by the Company. However, if a gross  withdrawal amount is greater than the Contract's RMD amount, as determined by the Company,  the excess amount of the gross partial withdrawal is subject to a Withdrawal Charge.    AUTOMATIC WITHDRAWAL. You may elect to take an automatic withdrawal by withdrawing a  specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual,  or annual basis, subject to the Minimum Partial Withdrawal amount made as a scheduled part of  an automatic withdrawal program, as shown on the Contract Data Pages. Automatic  withdrawals are treated as partial withdrawals and will be counted in determining the amount  taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free  Withdrawal amount may be subject to Withdrawal Charges. Automatic withdrawals cease on the  Income Date.    WITHDRAWAL CHARGE. The Company may impose a Withdrawal Charge against certain  withdrawals from the Contract. The Company will calculate Withdrawal Charges in accordance  with the Withdrawal Charge Schedule shown on the Contract Data Pages.    For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings  and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal  Charge. For the sole purpose of determining the amount of the Withdrawal Charge, earnings  are defined as any excess of the Contract Value over Remaining Premium.     The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the  gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium  received by You), excluding any amount for which the Contract expressly provides for a waived,  or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge  Percentage is applied to the full value of Remaining Premium immediately prior to the  withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The  Withdrawal Charge reduces Remaining Premium and Contract Value. The Withdrawal Charge  will be taken from the Contract Options in the same proportion as the requested withdrawal.    Withdrawals will be allocated first to earnings (which may be withdrawn free of any Withdrawal  Charge), if any, and second to Remaining Premium.  

 

  RILA290NY 19  WITHDRAWAL PROVISIONS (CONT'D)    FREE WITHDRAWAL. During each Contract Year, You may make partial withdrawals from the  Contract without incurring a Withdrawal Charge. The amount of Free Withdrawal available in  any Contract Year is equal to the greater of:  1. any applicable RMD less earnings; or  2. the total of:  a. the Free Withdrawal Percentage, as shown on the Contract Data Pages, multiplied by  the Remaining Premium at the beginning of the Contract Year that is subject to a  Withdrawal Charge according to the Withdrawal Charge Schedule shown on the  Contract Data Pages; less  b. earnings; or  3. zero.    Earnings is defined in the Withdrawal Charge provision of this Contract.    The Free Withdrawal can be taken as a single withdrawal or multiple withdrawals throughout the  Contract Year. The amount of Your Free Withdrawal available will vary throughout the Contract  Year depending on previous withdrawals of Your Free Withdrawal amount, previous withdrawals  of earnings, and the amount of earnings present at the time of the withdrawal. The amount of  Your Free Withdrawal available may reduce due to withdrawals during the Contract Year.    Any amount withdrawn to satisfy an RMD may reduce the amount of Your Free Withdrawal  available.    Free Withdrawals are subject to the provisions of Partial Withdrawals and Total Withdrawals.     Amounts withdrawn under the Free Withdrawal provision reduce the Contract Value and may  reduce Remaining Premium.     Withdrawals during the Contract Year in excess of the Free Withdrawal may be subject to any  applicable Withdrawal Charges.    

 

  RILA290NY 20  WITHDRAWAL PROVISIONS (CONT'D)    WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE.    If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive  days starting after the Issue Date shown on the Contract Data Pages, the Company will waive  the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of  Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages.  Upon Your compliance with the Claim Requirements described below, You will be eligible for  this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values  will be reduced proportionately for the amount withdrawn.    The Company will allocate the withdrawal amount to each Contract Option according to the  method described in the Withdrawal Provisions. The Company will determine values at the end  of the Business Day on which the Company receives the request for withdrawal in Good Order  at the Company's Customer Care Center. Withdrawals under this provision may reduce  Remaining Premium.    The availability of access to guarantees or values is not intended to provide long-term care or  nursing home insurance.    This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the  amount withdrawn or in the circumstances of multiple confinements for the same or a different  medical condition and/or Joint Owners.     For the purpose of this waiver, the following definitions apply:     Hospital. A facility that:  1. is located within the United States or its territories;  2. operates primarily for the inpatient care and treatment of sick and injured persons;  3. provides continuous twenty-four (24) hour a day nursing service by or under the  supervision of a registered nurse (R.N.);  4. is supervised by a staff of licensed physicians; and  5. has its own medical and diagnostic facilities or has access to such facilities on a  prearranged basis.     Immediate Family - means the individual's spouse, domestic partner, child, brother, sister,  parent, or grandparent.     Medically Necessary - means consistent with Your diagnosis in accordance with accepted  standards of medical practice without which Your medical condition would be adversely  affected. 

 

  RILA290NY 21  WITHDRAWAL PROVISIONS (CONT'D)     Nursing Home. A facility that:  1. is licensed by the appropriate governmental licensing agency as a Nursing Home in the  state in which it maintains such facilities;  2. issues patients, or their insurance provider, a bill or amount due;  3. is primarily engaged in providing nursing care (skilled, intermediate or custodial) by or  under the supervision of a licensed Physician and room and board accommodations;  4. provides continuous twenty-four (24) hour a day nursing services by or under the  supervision of a registered nurse (R.N.);  5. maintains a daily medical record of each patient; and  6. maintains control and records of dispensed medications.     Physician - means an individual who is licensed to practice medicine and treat illness or  injury in the state where treatment is received and who is acting within the scope of his or  her license. The term Physician only refers to a Physician licensed and currently practicing  in the United States or its territories. The term Physician does not include:  1. an Annuitant or Joint Annuitant;  2. an Owner or Joint Owner;  3. a Beneficiary;  4. a member of the Annuitant's, Joint Annuitant's, Owner's or Joint Owner's Immediate  Family.     Physician's Statement - means a written statement signed by a Physician which provides  the Physician's diagnosis of Your medical condition.    You will be considered confined to a Nursing Home or Hospital only if Your confinement is  prescribed by a Physician and Medically Necessary. 

 

  RILA290NY 22  WITHDRAWAL PROVISIONS (CONT'D)    Claim Requirements. Ninety (90) days after the date of Your confinement, You may submit a  request, which must include (1) a completed claim form, (2) Your signed release for records of  all Physicians and institutions that have treated You for the medical condition You claim, and (3)  a Physician's Statement to the Company's Customer Care Center in Good Order.     The Company will send You a form to claim the Waiver of Withdrawal Charge for Extended  Care within ten (10) Business Days of the Company's receipt of Your request. If the Company  fails to send the claim form within ten (10) Business Days, You will be deemed to have complied  with the above claim requirements.    Claim Determination. Upon receipt of the Claim Requirements, the Company will complete an  initial review for Good Order within thirty (30) Business Days. The Company reserves the right  to deny Your claim if You do not satisfy the Claim Requirements. If the Company denies Your  Waiver of Withdrawal Charge for Extended Care claim, the Company will send You a letter with  the reason(s) for the denial. If You would like to appeal the Company's denial of Your Waiver of  Withdrawal Charge for Extended Care claim, You may submit a Written Notice to the  Company's Customer Care Center. If You are unable to satisfy the Claim Requirements, You  will then have the opportunity to submit a standard withdrawal request, subject to any applicable  Withdrawal Charge. Termination of the Contract will not prejudice any payment made under the  extended care waiver that occurred while this Contract was in force.    YOU MAY OWE TAX ON WITHDRAWALS FOR EXTENDED CARE. THE COMPANY  ENCOURAGES YOU TO SEEK LEGAL AND/OR TAX ADVICE.  

 

  RILA290NY 23  DEATH BENEFIT PROVISIONS    NATURAL OWNER'S DEATH BEFORE THE INCOME DATE. Upon Your death or the death of  any Joint Owner before the Income Date, the Company will pay the death benefit to the  Beneficiary(ies) designated by You, subject to the following:  1. On jointly owned Contracts, upon the death of the first Joint Owner, the surviving Joint  Owner becomes the Primary Beneficiary. If the surviving Joint Owner dies prior to the  Income Date and prior to submitting a claim form in Good Order, any remaining death  benefit will be paid to the Beneficiary(ies) in accordance with the last Beneficiary designation  received by the Company in Good Order before the last Joint Owner's death;  2. On all Contracts, if no Beneficiary designation is in effect, or the designated Beneficiary(ies)  have not survived the Owner, or both Joint Owners in the case of a jointly owned Contract,  the death benefit shall be paid to the Owner's estate, or the estate of the last Joint Owner to  die in the case of a jointly owned Contract.    ANNUITANT'S DEATH BEFORE THE INCOME DATE. Upon the death of an Annuitant who is  not an Owner before the Income Date, the Contract remains in force and the Owner becomes  the Annuitant. The Owner may designate a new Annuitant, subject to the Company's  administrative rules then in effect. No death benefit is payable on the death of an Annuitant who  is not also an Owner.     However, if the Contract is owned by a legal entity, the death of the Annuitant (in the case of  Joint Annuitants, the death of the first Annuitant) is treated as the death of the Owner for  purposes of these Death Benefit Provisions, and the Company will pay the death benefit to the  Beneficiary(ies) designated by the Owner, or, if no Beneficiary(ies) survive the applicable death,  to the Owner.     DEATH BENEFIT AMOUNT BEFORE THE INCOME DATE. The death benefit amount before  the Income Date is equal to the greater of:  1. the current Contract Value; or  2. Premium paid into the Contract, less any applicable taxes, adjusted for any withdrawals  (including any applicable charges and adjustments for such withdrawals) incurred since the  issuance of the Contract. All adjustments will occur at the time of the withdrawal. All  adjustments for amounts withdrawn will reduce this item in the same proportion that the  Contract Value was reduced on the date of such withdrawal.    

 

  RILA290NY 24   DEATH BENEFIT PROVISIONS (CONT'D)    DEATH BENEFIT PAYMENT OPTIONS BEFORE THE INCOME DATE. Unless You  designated a Pre-selected Death Benefit Option, a Beneficiary entitled to the death benefit  before the Income Date must request that the Company pay the death benefit according to one  of the death benefit options below, or, if eligible, to continue the Contract under the Spousal  Continuation Option Instead of Death Benefit provision:    Option 1 - single lump-sum payment, paid immediately upon the Company's receipt of Due   Proof of the relevant death and a claim form in Good Order;  Option 2 - payment of the entire death benefit distributed within five (5) years of the date of the   relevant death; or  Option 3 - Income Payments of the death benefit with distributions beginning within one (1) year   of the date of the relevant death:  (i) over the lifetime of the Beneficiary; or  (ii) over a period not extending beyond the life expectancy of the Beneficiary.    The Company may make available other death benefit payment options.    A Beneficiary that wishes to elect payment under Option 3 must do so no later than sixty (60)  days from the date the Company receives Due Proof of death in Good Order at the Company's  Customer Care Center.    Any portion of the death benefit not applied under Option 3 must be paid within five (5) years  from the relevant death. The death benefit will remain invested in accordance with the allocation  selected by You until a Death Benefit Option is selected or the Beneficiary specifies otherwise.    DEATH BENEFIT PAYMENT OPTIONS FOR QUALIFIED PLANS. For Qualified Plans, the  death benefit payment options may be limited under the terms of the plan endorsement in order  to qualify under the Internal Revenue Code.     BENEFICIARY'S ENTITLEMENT TO DEATH BENEFIT BEFORE THE INCOME DATE. The  Company will pay the death benefit to Primary Beneficiaries or, if none exist, to Contingent  Beneficiaries, in equal shares (the "default allocation") unless You have designated otherwise  (the "designated allocation"). A Beneficiary that dies before or within ten (10) days (or different  period as prescribed by New York law) of Your death is not entitled to any death benefit. In that  circumstance, the Company will pay the deceased Beneficiary's share of the death benefit to  surviving Beneficiaries in the same proportion as the designated allocation or, if applicable, the  default allocation. A Contingent Beneficiary has no rights unless the Contingent Beneficiary  survives all Primary Beneficiaries who would have been entitled to receive payments under the  Contract had they survived. If no Beneficiary survives You, the Company will pay the death  benefit to Your estate. 

 

  RILA290NY 25   DEATH BENEFIT PROVISIONS (CONT'D)    PAYMENT OF DEATH BENEFIT. The death benefit will be determined at the time the  Company has received the first Due Proof of the relevant death and a claim form in Good Order  from a Beneficiary. The Company will pay the death benefit to the Beneficiary upon receipt of a  request for payment with Due Proof of the relevant death in Good Order at the Company's  Customer Care Center. If the Company has received Due Proof of death, the Company will  calculate the share of the death benefit due to a Beneficiary using Contract values established  at the end of the Business Day on the date the Company receives a claim form with a payment  option elected from that Beneficiary. If the Company has not received Due Proof of death or any  other required documentation, the Company will calculate the share of the death benefit due to  a Beneficiary using Contract values established at the end of the Business Day on the date the  Company receives any remaining required documentation. Index Adjustments may cause the  calculation of a Beneficiary's death benefit share to differ from the calculation of another  Beneficiary's death benefit share.     Each Beneficiary entitled to the death benefit bears the investment risk associated with amounts  allocated to any Index Account Option until the Company receives that Beneficiary's claim form  in Good Order at the Company's Customer Care Center and calculates their share of the death  benefit.    If any death benefit is due to an Owner's estate, the Company will pay the benefit in a single  lump-sum payment.     Payment to a Beneficiary in a single lump-sum will include interest on the death benefit at a rate  required by New York state law, from the date the Company receives the Due Proof of death  and a claim form in Good Order until the date the death benefit is paid.    The Company will pay the death benefit, including any interest, in accordance with New York  laws and regulations governing death benefit payments and in accordance with the Company's  administrative procedures. 

 

  RILA290NY 26   DEATH BENEFIT PROVISIONS (CONT'D)    Spousal Continuation Option Instead of Death Benefit. Unless the Contract is subject to a  Pre-selected Death Benefit Option, a Joint Owner or sole Beneficiary who is the surviving  spouse of the deceased Owner has the option to continue the Contract in his or her own name  at an adjusted Contract Value as described below and exercise the Owner's rights under the  Contract instead of taking the standard death benefit.    The Spousal Continuation Option may be elected only if the Company receives the surviving  spouse's claim form electing the option and Due Proof of the relevant death in Good Order, at  the Company's Customer Care Center while the surviving spouse is alive. The "continuation  date" is the date on which the Company receives such claim form and Due Proof of death.    If the Contract Value on the continuation date is less than the death benefit, the Contract Value  will be increased by the difference. This increase is referred to as the spousal continuation  adjustment. The Company will allocate the spousal continuation adjustment to the Short  Duration Fixed Account Option until the next Contract Anniversary. The spousal continuation  adjustment will have no effect on the FAMV. Withdrawal Charges will continue with the same  schedule as prior to the original Owner's death. However, no Withdrawal Charge will apply to  the spousal continuation adjustment.    For purposes of determining the future death benefits for the surviving spouse under the  continuing Contract, the Contract Value following the application of any spousal continuation  adjustment will be considered the initial Premium of the continuing Contract.    The Spousal Continuation Option is not available on or after the Income Date, nor where the  original Contract Owner is no longer the Contract Owner, the Contract has been assigned, or  You designated a Pre-selected Death Benefit Option. The Spousal Continuation Option may be  elected only once.    Pre-selected Death Benefit Option. Before the Income Date, You may designate the option  according to which the Company will pay the death benefit from the death benefit payment  options described in the Contract, or other death benefit options made available by the  Company. You may do so by submitting a designation in a form acceptable to the Company in  Good Order to the Company's Customer Care Center. Pre-selected Death Benefit Options will  take effect on the date the request is signed by You, subject to any payments the Company has  made or other actions the Company has taken before the Company received Your request. The  Company will pay the death benefit consistent with Your Pre-selected Death Benefit Option  unless the Internal Revenue Code requires otherwise, or Your election requires payment over a  period that exceeds the Beneficiary's life expectancy.    Only You may revoke or change a Pre-selected Death Benefit Option. To do so, You must  submit a request in a form acceptable to the Company to the Company's Customer Care  Center. Unless You specify otherwise, revocations of and changes to a Pre-selected Death  Benefit Option will take effect on the date the request is signed by You, subject to any payments  the Company has made or other actions the Company has taken before the Company received  Your request.  

 

  RILA290NY 27  INCOME PROVISIONS    INCOME DATE. Income Payments begin on the Income Date. The Income Date must be at  least thirteen (13) months after the Contract Issue Date. If You do not select an Income Date,  the Income Date is the LID. You may change the Income Date by submitting Written Notice in  Good Order to the Company's Customer Care Center at least seven (7) days before the current  Income Date. The LID may be changed to a later date upon request, if the Company agrees to  the change in writing. Requests to extend the LID must be submitted in writing and received by  the Company's Customer Care Center at least seven (7) days before the current LID.    INCOME PAYMENT. On or before the Income Date, You may elect payment in a single lump- sum. A single lump-sum payment is considered a total withdrawal and terminates the Contract.  The Company will make payment to You or another payee You specify. Alternatively, You may  elect an Income Option to begin on the Income Date. The Company will apply the Contract  Value, less applicable taxes, to provide You income according to Your selected Income Option.     INCOME OPTIONS. You may elect payment as provided in Options 1, 2, 3, or 4 below. You  may elect an Income Option up to thirty (30) days before the Income Date by submitting Written  Notice in Good Order to the Company's Customer Care Center. The Company will make  payment to You or another payee You specify.    If You do not select an Income Option the Company will make payments as provided in Option 3  below, with 120 months certain. The Company will make payments monthly, quarterly,  semiannually, or annually as You elect. However, if the Contract Value on the Income Date is  less than $2,000, the Company may pay out the Contract Value in one (1) lump-sum payment  instead of providing Income Payments according to the Income Option You elect. The single  lump-sum payment will not be less than the amount which would have been applied under an  Income Option on the Income Date. If the first monthly payment provided would be less than  $20, the Company may make payments quarterly, semiannually, or annually to achieve an initial  payment of at least $20, or the Company may pay out the Contract Value in one (1) single lump- sum payment.    At the time of their commencement, Income Payments will not be less than those that would be  provided by the application of an equivalent amount to purchase a single premium immediate  annuity contract from the Company at purchase rates the Company offered on the Income Date  to annuitants in the same class as the Annuitant.    The amount applied to an Income Option will not be less than the greater of the Withdrawal  Value or 95% of the Contract Value.    YOU MAY NOT TAKE WITHDRAWALS DURING ANY PERIOD THE COMPANY IS MAKING  PAYMENTS FOR AN ANNUITANT'S LIFETIME.    OPTION 1 - LIFE INCOME. A monthly payment for the Annuitant's lifetime. All payments end  upon the Annuitant's death. However, in the event of the Annuitant's death before the first  monthly payment, the Company will pay the amount allocated to this Income Option to You or, if  You are deceased, to Your Beneficiary.  

 

  RILA290NY 28  INCOME PROVISIONS (CONT'D)    OPTION 2 - JOINT AND SURVIVOR INCOME. A monthly payment for the longer of the  Annuitant's lifetime or that of a Joint Annuitant. Upon the occasion of the first person to die,  monthly payments continue during the survivor's lifetime at either the full amount previously  payable or as a percentage (either one-half or two-thirds) of the full amount, as You select at the  time You elect the Income Option.    All payments end upon the death of the last surviving Annuitant. However, in the event of the  deaths of the Annuitant and Joint Annuitant before the first monthly payment, the Company will  pay the amount allocated to this Income Option to You or, if You are deceased, Your  Beneficiary.    OPTION 3 - LIFE INCOME WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED.  A monthly payment for the Annuitant's lifetime with the guarantee that the Company will make at  least 120 or 240 monthly payments, whichever You elect, to You. If the Owner is an entity, at  the Annuitant's death, if fewer than the guaranteed number of payments have been made, the  remaining guaranteed payments will be made to the Owner as previously scheduled. If the  Owner is the Annuitant, in the event You die before the Company makes the specified number  of guaranteed payments, the Income Payments will be made to Your Beneficiary according to  the terms of this Contract unless the Beneficiary elects to receive the present value of any  remaining guaranteed payments in a single lump-sum payment. The present value of any  remaining guaranteed payments will be based on the total Income Payments as of the date of  the calculation. The Company will determine the interest rate used in this present value  calculation, but in no instance will it be greater than one (1) percentage point higher than the  rate used to calculate the initial Income Payment.    OPTION 4 - INCOME FOR A SPECIFIED PERIOD. A monthly payment for any whole number  of years ranging from 5 to 30. In the event You die before the Company makes the specified  number of payments, the Income Payments will be made to Your Beneficiary according to the  terms of this Contract unless the Beneficiary elects to receive the present value of any  remaining guaranteed payments in a single lump-sum payment. The present value of any  remaining guaranteed payments will be based on the total Income Payments as of the date of  the calculation. The Company will determine the interest rate used in this present value  calculation, but in no instance will it be greater than one (1) percentage point higher than the  rate used to calculate the initial Income Payment.    ADDITIONAL INCOME OPTIONS. The Company may make available other Income Options. 

 

  RILA290NY 29  INCOME PROVISIONS (CONT'D)    OWNER'S DEATH ON OR AFTER THE INCOME DATE. If any Owner who is not also an  Annuitant dies on or after the Income Date, any remaining Income Payments due will continue  at least as rapidly as the payment method in effect as of the date of the Owner's death. After the  death of the last surviving Joint Owner on or after the Income Date, any remaining Income  Payments will be paid to the Beneficiary.    DEATH BENEFIT AMOUNT ON THE LATEST INCOME DATE. If the Income Date is the  Latest Income Date and any Owner dies on or after the Income Date, the death benefit amount  is equal to the greater of zero or:    1. Premium paid into the Contract, less any applicable taxes, adjusted for any withdrawals  (including any applicable charges and adjustments for such withdrawals) incurred since the  issuance of the Contract through the LID. All adjustments will occur at the time of the  withdrawal. All adjustments for amounts withdrawn will reduce this item in the same portion  that the Contract Value was reduced on the date of such withdrawal; less  2. the Contract Value on the LID.  The death benefit amount will be paid at least as rapidly as the payment method in effect as of  the Owner's death.    ANNUITANT'S DEATH ON OR AFTER THE INCOME DATE. Upon the death of the Annuitant  (and Joint Annuitant, if applicable) on or after the Income Date, the death benefit, if any, will be  as specified in the Income Option in effect. Any life-contingent Income Payments cease on the  death of the Annuitant (and Joint Annuitant, if applicable). Any amounts due after an Annuitant's  death will continue to be paid at least as rapidly as the payment method in effect as of the date  of the Annuitant's death.    BENEFICIARY'S ENTITLEMENT TO INCOME PAYMENTS AFTER THE INCOME DATE.  Upon the death of any Owner, the Company will pay any remaining Income Payments due to  Primary Beneficiaries or, if none exist, to the Contingent Beneficiaries, in equal shares (the  "default allocation") unless You have designated otherwise (the "designated allocation"). A  Beneficiary that dies before or within ten (10) days (or different period as prescribed by  applicable law) of Your death is not entitled to remaining Income Payments due; in that  circumstance, the Company will pay any remaining Income Payments due the deceased  Beneficiary to surviving Beneficiaries in the same proportion as the designated allocation or, if  applicable, the default allocation. A Contingent Beneficiary has no rights unless the Contingent  Beneficiary survives all Primary Beneficiaries who would have been entitled to receive  payments under the Contract had they survived. If no Beneficiary survives You, the Company  will pay remaining Income Payments to Your estate.  

 

  RILA290NY 30  TERMINATION PROVISIONS    This Contract terminates and all Contract benefits, will end on the earliest of:  1. the date You take a total withdrawal;  2. the date the Contract Value is reduced to zero for any reason, or;  3. the date upon which the entire interest in the Contract has been distributed. Distributions  may be made in whole or in part after the Income Date, after Due Proof of the relevant death  and a claim form in Good Order has been received by the Company, and/or under a  supplemental contract evidencing the interest in the contract to be distributed.

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