ARDBR (2009)

Benefit is only available in conjunction with GMIB Plus with Annual Reset (2009). Upon death of annuitant, benefit will be greater of - 1) contract value, or 2) GMDB amount. GMDB amount is equal to - 1) earnings base, or 2) step-up base. Initial earnings base is total purchase payments made within three months after contract issue. Earnings base is adjusted for withdrawals and increased by 1) additional purchase payments made and 2) increase for each valuation period, until annuitant's age 85, at 5% annually for values in variable portfolios or in one of asset allocation models. Beginning 30 days from rider issue, withdrawals less than or equal to 5% earning base (ARDBR withdrawal amount) will reduce earnings base by dollar amount. Any withdrawals taken in first 30 days and withdrawals that are in excess of ARDBR withdrawal amount will reduce earnings base in same proportion. Earnings base can never be more than 15 times of purchase payments adjusted for withdrawals. Step-up base equals initial purchase payments at rider issue, thereafter will increase automatically on each contract anniversary, until annuitant's age 85, if contract value is higher than step-up base, increased by subsequent purchase payment made and adjusted for withdrawals in same proportion. Annuitant may elect to reset the benefit base equal to contract value by resetting GMIB Plus with Annual Reset.