Maximum Anniversary Account Value, 5% Roll-Up and Earnings Enhancement Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals, 4) maximum anniversary value, or 5) 5% premium roll-up death benefit. Maximum anniversary value is equal to highest contract value calculated on any contract anniversary, prior to annuitant's 81st birthday, increased by purchase payments and reduced for withdrawals made since that date. 5% premium roll-up death benefit equals to total purchase payments accumulated at 5% annually until earlier of - 1) annuitant's 80th birthday, or 2) death benefit amount equals twice of adjusted purchase payments. 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. Benefit base can never be more than 40% (25% if annuitant's age is between 70 and 79) of adjusted purchase payments minus purchase payments made within 12 months prior to death.