Athene BCA 6 2.0

Free Withdrawals and Required Minimum Distributions
The Free Withdrawal amount is 5% of the Accumulation Value in the first year and 10% of the Accumulation Value for all remaining years. For more information on the Accumulation Value, please see the BCA 6 2.0 brochure and the Certificate of Disclosure. Withdrawals in excess of the Free Withdrawal amount (excluding Required Minimum Distributions) will not receive gains to-date and will be subject to any applicable Withdrawal Charges and MVA's. Gains to-date are not credited on withdrawals in excess of the Free Withdrawal amount. Withdrawals may be automatically deposited into your bank account on a monthly, quarterly, semiannual or annual basis. The contract waives Withdrawal Charges and the MVA, if applicable, on Required Minimum Distributions attributable to your contract. For any amount withdrawn in excess of the Free Withdrawal amount or the RMD attributable to your contract, the following Withdrawal Charge Schedule will apply.

Death Benefit
Should you, as the Owner, pass away before you begin receiving annuity payments, the full value of the annuity will be payable to your beneficiary or beneficiaries. If the Owner is a non-natural entity, then the death benefit is triggered in the event of the Annuitant passing. The Death Benefit will be the greater of the contract's Cash Surrender Value or the Balanced Allocation Value. A Withdrawal Charge and any applicable Premium Bonus Vesting Adjustments or MVA's will not be applied to the death benefit paid. Under certain circumstances, spousal beneficiaries may be able to continue the contract. After annuitization, payments will be consistent with the Settlement Option selected. Taxes may apply.

Balanced Allocation Value (BAV)
The BAV is calculated daily and is the greater of the sum of the Strategy BAV of all Strategy Options or the Return of Charge amount. Each Strategy BAV accounts for any additional interest from the beginning of the current Strategy Term Period that has not yet been credited to the Strategy Value of that Strategy Option. The BAV is utilized for the Terminal Illness Waiver, Confinement Waiver and Death Benefit. The BAV is not available upon Surrender or at the Annuity Date, nor is it the basis for the Free Withdrawal amount.