Growth and Income Advantage Benefit - Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, on contract date, benefit base is equal to initial purchase payment made. Prior to first withdrawal, benefit base is greater of - 1) total purchase payments made, or 2) highest contract value calculated on any contract anniversary until annuitant's age 80. On first withdrawal, benefit base is greatest of - 1) contract value, 2) total purchase payments made, or 3) highest contract value calculated on any contract anniversary, until annuitant's age 80. Death benefit is paid only if benefit base is greater than basic death benefit. Benefit base can never be more than $1,000,000. If withdrawals are not excess withdrawals Issuer will reduce benefit base by dollar amount; if withdrawals are excess withdrawal, benefit base will be reduced by dollar amount for portion of withdrawal not defined as an excess withdrawal and in same proportion by excess withdrawal.