MyPath Highest Anniversary Death Benefit

Available during accumulation phase. Upon death of owner(or annuitant if owner is a non-natural person), benefit will be greatest of - 1) contract value; 2) purchase payment; or 3) highest anniversary contract value calculated on each contract anniversary prior to owner's 80th birthday, adjusted for withdrawals and subsequent payments. Issuer may limit subsequent purchase payments after the first contract year following the rider effective date to a cumulative total of $25,000, without prior consent. Any amount withdraw prior to benefit date or after the benefit date which is in excess of the greater of the GAI or RMD amount will reduced the benefit base in same proportion. After benefit date, any amount withdrawn is less than or equal to the GAI, or RMD will cause the benefit base to be reduced by the dollar amount of the withdrawal. For joint life, if designated life is removed due to any circumstances such as divorce or qualified dissolution order, the benefits will be based on the life of the remaining designated life.