Second Enhanced GMDB

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) contract value, or 2) Enhanced GMDB value. Enhanced GMDB value is equal to greater of - 1) 5% Annual Increase Amount (AIA), or 2) Maximum Anniversary Value (MAV). AIA at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each contract anniversary, accumulated at 5% annually, prior to owner's 81st birthday. 5% AIA, can never be more than 2 times of total purchase payments. MVA is equal to initial purchase payment at issue, thereafter increased by purchase payments made and reduced by withdrawals, MAV is set equal to highest contract value on any contract anniversary prior to owner's 81st birthday.