Earnings Enhancement Benefit Premier with Maximum Anniversary Account Value Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, 2) surrender value, 3) total purchase payments adjusted for withdrawals, or 4) highest account value. Highest account 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. Issuer will add 45% of earnings (25% if owner ages between 70 to 79) to death benefit base. Earnings equal sum of contract value, including any contract enhancement, exceeds remaining purchase payments. If total purchase payments adjusted for withdrawals exceed contract value no earnings benefit will be paid. Benefit base can never be more than 100% (40% if annuitant's age is between 70 to 79) of adjusted purchase payments minus purchase payments made within 12 months prior to death.