Interest Enhanced Death Benefit

The Initial benefit base is equal to the initial purchase payments (credit enhancements not included). Any subsequent purchase payments will also be added to the benefit base. On each contract anniversary, the benefit base will grow by the amount of interest (fixed and/or index-linked) credited to the contract, plus an additional 2% (compounded) for either 20 years or until age 85, or in New Jersey, Ohio, Oregon, Pennsylvania, Utah, and Washington, until the maximum roll-up amount of 250% of total purchase payments (adjusted proportionately for withdrawals) is reached, whichever is earlier. Withdrawals reduce the benefit base proportionately. Beneficiaries will receive the greater of the benefit base or the standard death benefit amount upon the death of the first owner or last annuitant.