Enhanced Death Benefit

Available during accumulation phase. Upon death of annuitant, benefit will be equal to - 1) contract value, 2) adjusted purchase payments or 3) Enhanced Death Benefit Base. Enhanced death benefit base is equal to initial purchase payment at rider issue. After rider effective date, Enhanced death benefit base will be equal to highest contract value at any contract anniversary following annuitant's 80th birthday. Withdrawal will adjusted the benefit base to greater of - 1) dollar amount of withdrawal or 2) amount of withdrawal multiplied by ratio of contract value before the withdrawal. Contract value will be immediately credited with purchase payment enhancement for every purchase payment. Issuer also provides a feature Enhancement True-Up, which will increase enhanced death benefit base in the event that poor market performance does not result in a step-up, or if stepped-up value does not include the full amount of the purchase payment enhancement. There is a three-year waiting period for inclusion of purchase payment enhancements in the enhanced death benefit base. The enhancement true-ups will cease once a withdrawal is taken. At the time of enhanced death benefit base enhancement true-up evaluation, enhanced death benefit base will be compared to enhanced death benefit true-up base. The enhanced death benefit true-up base is the sum of - 1) purchase payments, up to, but not including the date on which the evaluation takes place, and 2) purchase payment enhancements which are at least 36 months old as of the date of the evaluation. If a step-up takes place, any purchase payment enhancements which are part of the contract value also become part of the enhanced death benefit base. Benefit base can never be more than $1,000,000. Current Charges are 0.20% if purchased in combination.