3% Guaranteed Minimum Income

Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. This benefit guarantees that the annuitization value will accumulate at a compounded annual rate of 3% from the date of election. An additional charge of 0.20% is applied, which may be increased but will not exceed 0.30%. The charge remains in effect until the benefit is either annuitized or terminated, whichever occurs first.