Guaranteed Minimum Death Benefit Rider - Step-Up with Return of Premium

Available during accumulation phase. Upon death of annuitant, benefit will be greatest of - 1) contract value, 2) return of premium death benefit, or 3) Step-Up death benefit. Return of Premium Death Benefit is equal to the initial net purchase payment thereafter increased by any subsequent net premium received, and decreased by any withdrawals. Step-Up death benefit is highest contract value on any contract anniversary prior to annuitant's 81st birthday, adjusted for withdrawals. If both Guaranteed Minimum Death Benefit Rider - Step-up with Return of Premium and Guaranteed Minimum Death Benefit Rider - Return of Premium with Interest are elected combine charge equals of 0.40% of contract value.