Guaranteed Minimum Death Benefit Rider

During the accumulation phase, upon the death of the annuitant, the death benefit base is lesser of 1) the Death Benefit roll-up Amount or 2) the Death Benefit Cap. Death Benefit Roll-up Amount is initially equal to the purchase payment plus bonus available on the purchase payments made in the first contract year. Thereafter, it is increased by adding Interim Roll-up equaling to the weighted interest rates of the 5 year index accounts, together with 4% Stacking Roll-up credit. Initial roll-up term is earliest of 10 years or age 80. For the issue ages later than age 70, roll-up term will be less than 10 years but guaranteed to be at least 5 years. Death benefit cap equals to 300% (200% in NJ) of the purchase payment until no withdrawals are taken. Death Benefit Base is used to calculate the Guaranteed Minimum Death Benefit under the contract, that is equal to the greater of the Death Benefit Base under the rider or the Death Benefit under the contract. Death Benefit Base Roll-up amount is stepped-up to the Account Value, and roll-up term is renewed for 10 years or until age 80, whichever is earlier. The Interim Roll-up equals the interim Index Interest Rate computed on the date of death weighted by allocation to the 5 Year Annuity Linked TVI Index Account. The interim Index Interest Rate is the vested percentage change in the index value of the Annuity Linked TVI Index from the start of the five-year term to the date of death (yr 1=20%, yr 2=40%, yr 3=60%, yr 4=80%, yr 5=100%).