Greater of Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) Roll-up to age 85, or 2) Annual Ratchet to age 85. Annual Ratchet benefit base equals - 1) purchase payments allocated to guaranteed benefit variable investment options plus amounts transferred to guaranteed benefit variable investment options, or 2) highest guaranteed benefit account value on any contract anniversary, until age 86, adjusted for any transfer or contribution to guaranteed benefit variable investment options. Roll-up benefit base equals - 1) purchase payments allocated to guaranteed benefit variable investment options plus amounts transferred to guaranteed benefit variable investment options and annual roll-up amount reduced for withdrawals . Annual Roll-up amount equals - 1) Roll-up benefit base multiplied by Annual Roll-up rate, until age 86 plus pro rated Roll-up amount for any transfer or contribution to guaranteed benefit variable investment options reduced for withdrawals of Annual withdrawal amount will result in a dollar amount reduction of Annual Roll-up amount. Annual Roll-up rate is variable and will be tied to ten-year Treasuries formula rate but will never be less than 4%, at issue, contract will indicate Annual Roll-up rate for first contract year. Upon election of benefit in conjunction with Guaranteed Income Benefit, roll-up benefit bases are equal until age 85, thereafter - 1) no longer roll-up will be provided, 2) no longer be eligible for resets and 3) reduced dollar amount by withdrawals up to annual withdrawal amount. Owner must participate in Asset Allocation Program. If Guaranteed benefit is funded after contract issue, benefit may be cancelled after the later of: 1) four years from the date contract issued, or 2) contract date anniversary following the first transfer or contribution to the Guaranteed benefit variable investment options, either directly or through Special DCA program.