Enhanced Death Benefit

Available during accumulation phase. Upon death of owner or annuitant, benefit will be greater of - 1) Enhanced Death Benefit A, or 2) Enhanced Death Benefit B. Enhanced death benefit A is equal to highest contract value on any anniversary prior to annuitant's 80th birthday, 2) total purchase payments adjusted for withdrawals, 3) highest contract value calculated on 7th contract anniversary, prior to annuitant's 80th birthday, increased by purchase payments and reduced for withdrawals made after reset date, 4) enhanced death benefit A, or 5) enhanced death benefit B. Enhanced death benefit A on rider date is equal to contract value; after rider date greatest of anniversary value. Anniversary value is equal to contract value on contract anniversary, increased by purchase payments made since that anniversary and reduced by withdrawals. Issuer will calculate anniversary values for each contract anniversary until earlier of - i) death, or ii) owner or annuitant's 80th birthday. Enhanced death benefit B on rider date is equal to contract value; after rider date, is equal to contract value plus any subsequent purchase payments will accumulate at 5% annually, until earlier of - i) death, or ii) owner or annuitant's age 80.