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❖ 5-year Surrender

❖ 6.15% Commission

❖ Up to 200% Participation Rate *

❖ Up to 8.5% Cap Rate, S & P 500, 1-year point to point *

❖ Up to 53% S & P 500 Participation Rate, 1-year point to point *

* Growth Rider with a 1.25% fee