Earnings Enhancement Plus Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greater of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals. Issuer will add 40% of earnings (25% if annuitant's age between 70 and 79) to death benefit payable under contract. Earnings are amount by which sum of contract value, including any contract enhancement, exceeds adjusted purchase payments. Before 7th contract anniversary maximum benefit equals 100% (40% if annuitant's age is between 70 and 79) of net purchase payments and after 7th contract anniversary, maximum benefit can be 100% (40% if annuitant's age is between 70 and 79) of difference between net purchase payments made and purchase payments made within 12 months prior to death.