Enhanced Death Benefit

Available during the accumulation phase after 1st contract year. Upon death of the owner, rider death benefit will be equal to the lesser of GMDB Rollup Value; or GMDB Maximum Limit. Initially, the GMDB Rollup Value is equal to the initial premium multiplied by GMDB Premium Multiplier of 200%, thereafter is increased for any additional premiums received in the first policy year and reduced by withdrawals. On each policy anniversary, until GMDB Rollup Stop Date (15 years), GMDB Rollup Value is credited performance-based interest, that is equal to A*B*C, where, A = GMDB Rollup Value as of the previous day, B = GMDB Add-on Factor (200% for issue ages 0-69, and 150% for issue ages 70+); and C = GMDB Add-on Rate. On any policy anniversary, Add-on Rate is equal to the sum of (A*B)/C for all interest crediting options, where A = account value for that interest option, before any interest is credited for that day, B = Effective Annual Interest for the policy year under Fixed Option; or Index Interest Crediting Percentage under Indexed Option; and C = total account value, before any interest is credited for that day. GMDB Maximum Limit calculated daily and is equal to the lesser of the GMDB Growth Limit or GMDB Ultimate Limit. Initially, GMDB Growth Limit is equal to the initial premium, thereafter it is credited interest daily, that is equal to A*B, where A = GMDB Growth Limit for the previous day, and B = daily equivalent of the GMDB Max Annual Growth Rate (10% for lifetime). GMDB Ultimate Limit is equal to (A-B)*C, where A = sum of all premiums paid into the contract, B = sum of all withdrawal adjustments, and C = GMDB Maximum Factor of 250%. Upon death, rider death benefit is payable in equal installments over the lesser of A) GMDB Payout Period of 5 years; or B) Beneficiary's (in case of multiple beneficiaries, oldest Beneficiary's Age) life expectancy as defined in the code. Total EDB cannot be more than 250% of the premium. Minimum eligibility for NQ-0 and Q-18.