Greater of 6% Roll-Up to Age 85 or Annual Ratchet to Age 85 Enhanced Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greater of - 1) 6% (4% for WA) Roll-up to Age 85, or 2) Annual Ratchet to Age 85. 6% (4% for WA) Roll-up to Age 85 is equal to total purchase payments plus daily roll-up adjusted for withdrawals, prior to owner's 86th birthday. Effective annual roll-up rate credited to benefit base is 6% (4% for WA) of variable account value (3% for some selected sub-accounts and fixed account value). Annual Ratchet to Age 85 is equal to greater of - 1) total purchase payments, or 2) highest contract value on any contract anniversary prior to owner's 86th birthday adjusted for withdrawals and subsequent payments. Upon election with Guaranteed Minimum Income Benefit, Owner may elect to reset Roll-Up benefit base on any contract anniversary prior to age 76. Upon exercise of the GMIB, the existing GMDB is replaced with a Modified Death Benefit equal to the GMDB benefit base as of the effective date. The Modified Death Benefit will not increase and will be reduced by withdrawals, including on a pro rata basis for any excess withdrawals. At death, the benefit payable will be the greater of the account value or the Modified Death Benefit (as adjusted). A reduced annual charge will apply to the Modified Death Benefit beginning on the next contract anniversary, as follows: If the prior GMDB charge was 0.80%, the new charge will be 0.55%. If the prior GMDB charge was 0.65% (For Washington), the new charge will be 0.40%. If the prior GMDB charge was 0.60%, the new charge will be 0.35%.