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

Available during accumulation phase only. Upon death of owner, benefit will be greatest of - 1) contract value, 2) purchase payments adjusted for withdrawals, 3) GMDB maximum anniversary value base, or 4) GMDB Roll-up base. GMDB maximum anniversary value base is greatest of - 1) contract value, 2) purchase payments adjusted for withdrawals, or 3) 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.