Enhanced Death and Income Benefit Combination Rider II

The benefit is equal to the greater of Enhanced Death Benefit A ;- On the Rider issue date, Income Base A is equal to;- the Contract Value. After the Rider Date, Income Base A is recalculate as follows on the Contract Anniversary and when a Purchase Payment or withdrawal is made: 1) Purchase Payments, Income Base A is equal to the most recently calculated Income Base plus the Purchase Payment. For withdrawals, Income Base A is equal to the most recently calculated Income Base reduced by a withdrawal adjustment, 2) On each Contract Anniversary, Income Base A is equal to the greater of the Contract Value on that date or the most recently calculated Income Base A. Income Base A for Purchase Payments, for withdrawals and on Contract Anniversaries until the first Contract Anniversary on or after the 85th birthday of the oldest Contract Owner/Annuitant. After that date, Income Base A recalculate for Purchase Payments and withdrawals. Income Base B is equal to ;- the Contract Value. After the Rider Date, Income Base B, plus any subsequent Purchase Payments and less a withdrawal adjustment for any subsequent withdrawals, will accumulate daily at a rate equal to 5% per year until the first day of the month following the oldest Contract Owner/Annuitant’s 85th birthday.