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If you purchase a Living Benefit Rider or a product that offers a Living Benefit, there are certain investment options offered in your policy that use a volatility control strategy. Also, the Retirement Income Choice and Retirement Income Max riders will require your policy value to be allocated into designated investment options, some of which include a volatility control strategy. Volatility control strategies, in periods of high market volatility, could limit your participation in market gains; this may conflict with your investment objectives by limiting your ability to maximize potential growth of your policy value and, in turn, the value of any guaranteed benefit that is tied to investment performance. Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market downturns during periods of high market volatility, providing policy owners with the opportunity for smoother performance and better risk adjusted returns. You pay fees associated with the rider benefits which, in part, pay for protecting the rider benefit base from investment losses.Since the rider benefit base does not decrease as a result of investment losses, volatility control strategies might not provide meaningful additional benefit to you. If you determine that underlying portfolios with volatility control strategies are not consistent with your investment objectives, there continues to be other investment options available under the Living Benefit Riders that do not invest in portfolios that utilize volatility control strategies.