Symetra Life Insurance Co Watch

from S-1 1 page Fixed Account Endorsement This Endorsement Is Attached to and Becomes Part of the Contract. This Endorsement Is Subject to All of the Provisions of the Contract, Except as Otherwise Stated Herein. if Any Provisions of the Contract Conflict With This Endorsement, the Provisions of This Endorsement Will Apply. the Effective Date of This Endorsement for New Contracts Is the Contract Date and for Existing Contracts Is the Endorsement Effective Date. This Endorsement Makes This Fixed Account Available for Your Contract. This Endorsement Terminates on the Date the Contract Terminates. Contract Number: [00000000000] Owner(s): [John Doe] Endorsement Effective Date: [01/01/2024] Interest Term: [1 Year] Initial Interest Rate: [1.00%] Initial Guaranteed Minimum Interest Rate: [1.00%] Fixed Account Interest Any Portion of the Contract Value Allocated to This Fixed Account Will Earn Interest at the Fixed Account Interest Rate. the Initial Interest Rate, Shown Above, Applies From the Contract Date Through the End of the Initial Interest Term. at the End of Each Interest Term We Will Declare, at Our Discretion, a New Fixed Account Interest Rate for Each Subsequent Interest Term. Any Adjusted Rate Will Apply for the Next Interest Term When the Rate Can Again Be Adjusted

from S-1 2 pages Point to Point With Buffer and Dual Trigger Indexed Account Endorsement

from S-1 2 pages Point to Point With Buffer and Trigger Indexed Account Endorsement

from S-1 1 page Terminal Illness Waiver Endorsement

from S-1 1 page Return Lock Endorsement

from S-1 2 pages Point to Point With Buffer Plus, Participation Rate, and Cap Indexed Account Endorsement

from S-1 2 pages Hospital and Nursing Home Waiver Endorsement

from S-1 2 pages Point to Point With Buffer, Participation Rate, and Cap Indexed Account Endorsement

from S-1 2 pages Contract Data Page

from S-1/A 8 pages Icc21_ra1 Page[ 2 of 7] [For Beneficiary/Inherited Accounts Only] [Decedent’s Date of Death Relationship of Decedent to Owner Previous Year-End Balance of Existing Account Has the Rmd Been Taken? Yes No Exact Title of Owner at the Existing Carrier] Beneficiaries Primary Contingent Beneficiary Name Address Relationship Ssn/Tin Mobile Phone Other Phone Birth/Trust Date [Citizenship] Email Beneficiary % Primary Contingent Beneficiary Name Address Relationship Ssn/Tin Mobile Phone Other Phone Birth/Trust Date [Citizenship] Email Beneficiary % Primary Contingent Beneficiary Name Address Relationship Ssn/Tin Mobile Phone Other Phone Birth/Trust Date [Citizenship] Email Beneficiary % Primary Contingent Beneficiary Name Address Relationship Ssn/Tin Mobile Phone Other Phone Birth/Trust Date [Citizenship] Email Beneficiary % Primary Contingent Beneficiary Name Address Relationship Ssn/Tin Mobile Phone Other Phone Birth/Trust Date [Citizenship] Email Beneficiary % Payment Amount [Roth Ira First Tax Year Contribution Made: Year ]

from S-1/A 9 pages Rsc-0559 D 3/21 [-1a-] [Rsc-0539/D/V1 5/21] Contract Data Page Product Name: [Symetra Trek Plus] Product Type: [Non-Qualified Annuity] Contract Date: [12/01/2020] Allocation Date: [12/07/2020] Contract Number: [000000000] Purchase Payment: [$25,000] Separate Account: [Symetra Separate Account Rina] Owner: [John Doe] [[Date of Birth: [12/12/1959] Age at Issue: [59] Sex: [Male]] [Joint Owner: [Jane Doe] Date of Birth: [11/12/1959] Age at Issue: [59] Sex: [Female]] Annuitant: [John Doe] Date of Birth: [12/12/1959] Age at Issue: [59] Sex: [Male] [Joint Annuitant: [Jane Doe] Date of Birth: [11/12/1959] Age at Issue: [59] Sex: [Female]] Maximum Issue Age: [80]. the Contract Date Must Be Prior to the Owner's and Annuitant's [81st] Birthday(s). Maximum Annuitization Age: [95]. Annuity Payments Must Begin Prior to the Annuitant's [96]th Birthday(s). This Is Not Later Than [12/13/2076]. Delivered in the State Of: [Any State] and Governed by Its Laws. Surrender Charge Schedule: Contract Year Charge [1 9% of Amount Withdrawn 2 8% of Amount Withdrawn 3 7% of Amount Withdrawn 4 6% of Amount Withdrawn 5 5% of Amount Withdrawn 6 4% of Amount Withdrawn After 6 0% of Amount Withdrawn] Please See the "Charges and Taxes" Section for a Complete Explanation of Charges. Free Withdrawal Percentage: [15%] Minimum Withdrawal Amount: [$500] Transfer Notice Deadline: [2 Business Days]

from S-1/A 19 pages Indenture or similar

from S-1/A 6 pages Owner All Contract Owner Correspondence Will Be Sent to This Address. Maximum Issue Age [70-95] Name (First, Middle Initial, Last) Address City State Zip Sex M F Birth Date Ssn/Tin Phone Number (Include Area Code) Email Citizenship Marital Status Type of Owner (E.G. Individual, Joint, Trust, Corporation, Partnership, Guardianship, Custodian) Joint Owner Only Natural-Person Owners May Have a Joint Owner. Optional, Nonqualified Annuities Only. Maximum Issue Age [70-95] Name (First, Middle Initial, Last) Address City State Zip Sex M F Birth Date Ssn/Tin Phone Number (Include Area Code) Email Citizenship Relationship to Owner Annuitant Required if Owner Is Non-Natural Person. if Joint Owners Are Listed, Default Annuitant Is the First Owner Listed Above. Name (First, Middle Initial, Last) Address City State Zip Sex M F Birth Date Ssn/Tin Phone Number (Include Area Code) Email Citizenship Relationship to Owner Joint Annuitant Optional, Nonqualified Annuities Only. Name (First, Middle Initial, Last) Address City State Zip Sex M F Birth Date Ssn/Tin Phone Number (Include Area Code) Email Citizenship Relationship to Owner Annuity Payments and Termination Values Provided by This Contract, When Based on the Value of the Index Options, Are Variable, May Increase or Decrease, and Are Not Guaranteed as to Fixed Dollar Amount

from S-1/A 5 pages Contract Data Page

from S-1/A 15 pages Free Look Provision - Right to Cancel

from S-1 5 pages Owner/Annuitant Owner Name Address Sex M F Birth Date Ssn/Tin Phone Email Citizenship Type of Owner Marital Status Joint Owner Name Address Sex M F Birth Date Ssn/Tin Phone Email Citizenship Relationship to Owner Annuitant Name Address Sex M F Birth Date Ssn/Tin Phone Email Citizenship Relationship to Owner Joint Annuitant Name Address Sex M F Birth Date Ssn/Tin Phone Email Citizenship Relationship to Owner Annuity Payments and Termination Values Provided by This Contract, When Based on the Value of the Index Options, Are Variable, May Increase or Decrease, and Are Not Guaranteed as to Fixed Dollar Amount

from S-1 11 pages [Symetra Product Name] Nonparticipating Important