Greater of Annual Step-Up or 5% Annual Increase Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value or 2) enhanced death benefit value (benefit base). Benefit base is greater of - 1) highest anniversary value or 2) annual increase amount. Highest anniversary value initially equals initial purchase payment, increased by purchase payments made and reduced for withdrawals thereafter. On each contract anniversary prior to owner's 81st birthday highest anniversary value will be recalculated and set equal to greater of highest anniversary value before recalculation or contract value on recalculation date. Annual increase amount initially equals initial purchase payment, increased by purchase payments made, compounded at 5% annually from rider effective date to contract anniversary immediately preceding owner's 81st birthday less any withdrawals.