Greater of Maximum Anniversary Value or Roll-Up GMDB - Standard Version

Available during accumulation phase only. Upon death of owner, benefit will be greater of - 1) contract value, 2) GMDB maximum anniversary value base, or 3) GMDB Roll-up base. GMDB maximum anniversary value base is greater of - 1) contract value, or 2) maximum anniversary value, calculated on any contract anniversary, prior to owner's 80th birthday, increased by purchase payments made and adjusted for withdrawals. GMDB Roll-up base equals sum of GMDB Roll-Up Base A and GMDB Roll-Up Base B. GMDB Roll-up base A is equal to initial purchase payment compounded at 5% (3% for state WA) annually plus subsequent purchase payments compounded at 5% (3% for state WA) annually less withdrawals. GMDB Roll-up base B is equal to initial purchase payment compounded at 3% annually plus subsequent purchase payments compounded at 3% annually less withdrawals. Issuer will roll-up benefit base until earliest of - 1) 20th contract anniversary, 2) contract anniversary on or following owner's 80th birthday, or 3) death of owner.