Fidelity U.S. Quality Factor Index 5% ER

The Fidelity U.S. Quality Factor Index 5% ER is a rules-based index that allocates to the Fidelity U.S Quality Factor Index (the “Equity Component”) and the 10Y US Treasury Future Market Tracker Index and cash (the “Fixed Income Component”). The Fidelity U.S. Quality Factor Index 5% ER dynamically allocates between the components while seeking to achieve a 5% annualized volatility target.

The Equity Component is comprised of large and mid-size U.S. companies selected based upon quality factors that seek to identify stocks that tend to have higher profitability, more stable income and cash flows, and lack excessive leverage, characteristics have historically enabled those stocks to outperform over the long term. The companies are selected from the top 1000 U.S. companies based on market capitalization. To determine the level of exposure each stock has to the targeted quality factor, a composite score is calculated. The composite score is a weighted-average score based on multiple measures of quality: free cash flow margin (33% weight), return on invested capital (33% weight), and free cash flow stability (33% weight). The top scoring companies within each sector are selected, so that the Equity Component does not overweight or underweight any sector or industry. The Equity Component rebalances semiannually.

The Fixed Income Component is comprised of the 10Y US Treasury Future Market Tracker Index (the “Treasury Futures Subcomponent”) and cash (the “Cash Subcomponent”) and allocates among the subcomponents daily based upon the three-month rolling average performance of the Treasury Futures Subcomponent. When the performance trend is positive, the allocation to the Treasury Futures Subcomponent is 100%. But, when the performance trend is negative, the allocation is 50% to the Treasury Futures Subcomponent and 50% to the Cash Subcomponent.

In addition, the Fidelity U.S. Quality Factor Index 5% ER has two layers of volatility control. First, the daily weights between the Equity Component and Fixed Income Component (the “Base Index”) are determined using a process that considers all combinations of the components based on the average of the short term and long term realized exponentially-weighted volatility of each component. Second, the overall allocation to the Fidelity U.S. Quality Factor Index 5% ER is determined based on its recent volatility. For example:

• If the recent volatility of the Base Index exceeds 5%, the Fidelity U.S. Quality Factor Index 5% ER will allocate less than 100% to the Base Index and the rest to cash.

• If the recent volatility of the Base Index is below 5%, the Fidelity U.S. Quality Factor Index 5% ER will allocate more than 100% to the Base Index, subject to a 150% cap.

The performance of the Equity Component will be reduced by a financing cost that tracks the Federal Funds Rate. Also, the Fidelity U.S. Quality Factor Index 5% ER reflects the daily deduction of a yearly 0.50% fee.

Fidelity Stocks for Inflation Index 5% ER

The Fidelity Stocks for Inflation Index 5% ER is a rules-based index that allocates to the Fidelity Stocks for Inflation Factor Index (the “Equity Component”) and the 10Y US Treasury Future Market Tracker Index and cash (the “Fixed Income Component”). The Fidelity Stocks for Inflation Index 5% ER dynamically allocates between the components while seeking to achieve a 5% annualized volatility target.

The Equity Component is comprised of large and mid-size U.S. companies selected from the top 1000 U.S. companies based on market capitalization. To determine which companies will comprise the Equity Component, the companies are scored based on three factors:

• Value – based on free cash flow yield; earnings before interest, tax, depreciation, and amortization divided by enterprise value; tangible book value to price; and consensus estimates of earnings over the next 12 months to price.

• Quality – based on free cash flow margin, which is a profitability measure; return on invested capital, which captures how much profit a company generates from its assets; and free cash flow stability, which measures a company’s ability to consistently generate positive free cash flow.

• Momentum – based on cumulative 12-month total return minus 1-month return; volatility adjusted 12-month return minus 1-month return; 12-month comparison of earnings per share estimates to actual earnings per share; and 12-month average short interest.

The companies within the same sector are ranked and the top-ranking companies within each sector are selected for inclusion. Sectors that tend to perform well during periods of rising-inflation comprise a greater portion of the Equity Component. The Equity Component rebalances semiannually.

The Fixed Income Component is comprised of the 10Y US Treasury Future Market Tracker Index (the “Treasury Futures Subcomponent”) and cash (the “Cash Subcomponent”) and allocates among the subcomponents daily based upon the three-month rolling average performance of the Treasury Futures Subcomponent. When the performance trend is positive, the allocation to the Treasury Futures Subcomponent is 100%. But, when the performance trend is negative, the allocation is 50% to the Treasury Futures Subcomponent and 50% to the Cash Subcomponent.

In addition, the Fidelity Stocks for Inflation Index 5% ER has two layers of volatility control. First, the daily weights between the Equity Component and Fixed Income Component (the “Base Index”) are determined using a process that considers all combinations of the components based on the average of the short term and long term realized exponentially-weighted volatility of each component. Second, the overall allocation to the Fidelity Stocks for Inflation Index 5% ER is determined based on its recent volatility. For example:

• If the recent volatility of the Base Index exceeds 5%, the Fidelity Stocks for Inflation Index 5% ER will allocate less than 100% to the Base Index and the rest to cash.

• If the recent volatility of the Base Index is below 5%, the Fidelity Stocks for Inflation Index 5% ER will allocate more than 100% to the Base Index, subject to a 150% cap.

The performance of the Equity Component will be reduced by a financing cost that tracks the Federal Funds Rate. Also, the Fidelity Stocks for Inflation Index 5% ER reflects the daily deduction of a yearly 0.50% fee.

The Fidelity U.S. Quality Index 5% ER and the Fidelity Stocks for Inflation Index 5% ER (“Fidelity Indices”) include various features that consider volatility of the stocks and fixed income securities that comprise the index. The volatility control features, in up market conditions, may cause the returns of these indexes not to be as high as if there was no volatility control. Likewise, in down market conditions, the returns of these indexes may not decline as much as if there was no volatility control. Because the WeathSecure Fixed Indexed Annuity (“Product”) already provides down market protection through the guaranteed minimum 0% Indexed Credit Percentage, the volatility control feature of an index may benefit the Company more than the annuity purchaser, through reduced hedging costs to the Company.

Disclosures Applicable to Both Fidelity Indices

The Fidelity Indices are products of Fidelity Product Services LLC (“FPS”). Fidelity is a trademark of FMR LLC. The Fidelity Indices have been licensed for use by S.USA in connection with the Product. The Fidelity Indices are the exclusive property of FPS and are made and compiled without regard to the needs, including, but not limited to, the suitability needs, of S.USA, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Indeces. S.USA exercises sole discretion in determining whether and how the Product will be linked to the value of the Indices. FPS does not provide investment advice to owners of the Product, nor to any other person or entity with respect to the Fidelity Indices and in no event shall any Product contract owner be deemed to be a client of FPS.

Neither FPS nor any other party involved in, or related to, making or compiling the Fidelity Indeces has any obligation to continue to provide either of the Indices to S.USA with respect to the Product. Neither FPS nor any other party involved in, or related to, making or compiling the Indices makes any representation regarding the Index, Index information, performance, annuities generally or the Product particularly.

FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. FPS shall have no responsibility or liability whatsoever with respect to the Product.

For more information on the Fidelity U.S. Quality Factor Index℠  5% ER please visit,
https://institutional.fidelity.com/app/indices/IXVLG/fidelity-quality-factor-index-er.html

For more information on the Fidelity Stocks for Inflation Index℠  5% ER please visit,
https://institutional.fidelity.com/app/indices/IXVLJ/fidelity-stocks-for-inflation-index-er.html