CS Momentum Index Illustrative Statistics CS Momentum Index 1-Year Participation (Hypothetical Data)
CS Momentum Index Accum Value No Rider Accum Value Rider Bonus
300,000
300,000
250,000
250,000
200,000
200,000
Premium
150,000
150,000
100,000
100,000
50,000
50,000
0
0
1
2
3
4
5
6
7
8
9
10
This scenario is based on a $100,000 initial purchase premium and the selection of the Rate Enhancement Rider with 100% of the premium allocated to the CS Momentum Index 1yr Participation Rate strategy. This example reflects the CS Momentum Index values from 6/28/2013-6/28/2023 with a 10% Premium Bonus (prior to August 2020, the Index was not live and the Index data had been simulated), 210% participation rate on the CS Momentum Index 1yr Participation Rate strategy, and a 260% participation rate on the CS Momentum Index 1yr Participation Rate strategy with the Rate Enhancement Rider. This example is hypothetical only and is meant for illustration purposes. It is not a prediction of future results. This product was not available prior to August 2020. Past performance is no indication or guarantee of future performance. The Index data has been derived by means of a retroactive application of a back-casted model designed with the benefit of hindsight. The back-casted, hypothetical, historical Index data this chart is based on has inherent limitations. No representation is made that in the future the Index will have the returns used. Alternative modeling techniques or assumptions might produce significantly different results and may prove to be more appropriate. The Index is calculated net a 0.5% p.a. index calculation fee. The Index also contains embedded transaction costs and holding costs. The Index could underperform relative to other indices, including equity indices. In addition, the Index is an excess return index: it reflects the return of components net of the cost of funding a hypothetical investment in them.
CS Momentum Index 2-Year Participation (Hypothetical Data)
700,000 700,000
CS Momentum Index Accum Value No Rider Accum Value Rider Bonus
600,000 600,000
500,000 500,000
Premium
400,000 400,000
300,000 300,000
200,000 200,000
100,000 100,000
0
1
2
3
4
5
6
7
8
9
10
This scenario is based on a $100,000 initial purchase premium and the selection of the Rate Enhancement Rider with 100% of the premium allocated to the CS Momentum Index 2yr Participation Rate strategy. This example reflects the CS Momentum Index values from 6/28/2013-6/28/2023 with a 10% Premium Bonus (prior to August 2020, the Index was not live and the Index data had been simulated), 320% participation rate on the CS Momentum Index 2yr Participation Rate strategy, and a 385% participation rate on the CS Momentum Index 2yr Participation Rate strategy with the Rate Enhancement Rider. This example is hypothetical only and is meant for illustration purposes. It is not a prediction of future results. This product was not available prior to August 2020. Past performance is no indication or guarantee of future performance. The Index data has been derived by means of a retroactive application of a back-casted model designed with the benefit of hindsight. The back-casted, hypothetical, historical Index data this chart is based on has inherent limitations. No representation is made that in the future the Index will have the returns used. Alternative modeling techniques or assumptions might produce significantly different results and may prove to be more appropriate. The Index is calculated net a 0.5% p.a. index calculation fee. The Index also contains embedded transaction costs and holding costs. The Index could underperform relative to other indices, including equity indices. In addition, the Index is an excess return index: it reflects the return of components net of the cost of funding a hypothetical investment in them.
CS Momentum Index 1-Year Trigger Participation (Hypothetical Data)
CS Momentum Index Accum Value No Rider Accum Value Rider Bonus
300,000
250,000
200,000
Premium
100,000 150,000 100,000 150,000
50,000
0
0
1
2
3
4
5
6
7
8
9
10
This scenario is based on a $100,000 initial purchase premium and the selection of the Rate Enhancement Rider with 100% of the premium allocated to the CS Momentum Index Trigger Rate strategy. This example reflects the CS Momentum Index values from 6/28/2013-6/28/2023 with a 10% Premium Bonus (prior to August 2020, the Index was not live and the Index data had been simulated), 9% rate on the CS Momentum Index 1 yr Trigger Rate strategy, and a 11% on the CS Momentum Index 1 yr Trigger Rate strategy with the Rate Enhancement Rider. This example is hypothetical only and is meant for illustration purposes. It is not a prediction of future results. This product was not available prior to August 2020. Past performance is no indication or guarantee of future performance. The Index data has been derived by means of a retroactive application of a back-casted model designed with the benefit of hindsight. The back-casted, hypothetical, historical Index data this chart is based on has inherent limitations. No representation is made that in the future the Index will have the returns used. Alternative modeling techniques or assumptions might produce significantly different results and may prove to be more appropriate. The Index is calculated net a 0.5% p.a. index calculation fee. The Index also contains embedded transaction costs and holding costs. The Index could underperform relative to other indices, including equity indices. In addition, the Index is an excess return index: it reflects the return of components net of the cost of funding a hypothetical investment in them.
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ACLAPPBR-OT 092223
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