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   *Form number and availability may vary by state.  **Each year after the 3rd Contract year, clients become vested in a percentage of the bonus, until 100% vested at the end of the 14th Contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early Withdrawal or Surrender. Bonus, Surrender Charges, and Vesting Schedules may vary by state. See Disclosure and Brochure for details.
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