Legacy Lock III

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) Enhanced Return of Premium; 2) Return of Premium; or 3) contract value. Enhanced Return of Premium component is equal to 100% of purchase payments, increased by subsequent purchase payment & may be eligible for a one-time step-up and reduce by withdrawals. In addition, the enhanced return of premium death benefit will be reset to equal zero. The death benefit will then be equal to the greater of - a) contract value; or b) base return of premium. Return of Premium benefit will be greater of - 1) contract value, or 2) total purchase payments adjusted for withdrawals. Subsequent Purchase payments after first contract anniversary after the rider effective date require Issuer's prior approval. Partial withdrawals that are not excess withdrawals will not reduce Enhanced Return of Premium prior to reaching Minimum Contract Value, but will reduce Base Return of Premium and Contract Value on a dollar for dollar basis. Excess withdrawals will reduce death benefit on a proportionate basis. The step-up will occur if the contract value prior to partial withdrawal is greater than the enhanced return of premium value on the valuation day prior to the first partial withdrawal. Fee for the rider is based on greater of - a) Enhanced Return of Premium; or b) Return of Premium Death Benefit on each contract anniversary. Issuer do not currently enforce the right to approve subsequent premium payments, except where a subsequent premium payment would result in total premium payments equaling or exceeding $1 million. Issuer do not grant Annuity commencement date extension.