Capital Preservation Plus Benefit

Benefit provides a return of principal guarantee over an elected period of time (10 years). Benefit base is equal to contract value at beginning period reduced for withdrawals. Benefit guarantees that contract value will not be less than benefit base at rider maturity date. If contract value is less than benefit base at the time CPP program period began, Issuer will apply additional amount to increase contract value equal to benefit base. After CPP program period, owner may elect to remain in preservation phase by re-electing new CPP program, new CPP program will be subject to rates and conditions that are in effect at that point in time, and guaranteed amount corresponding to new CPP program will be contract value as of beginning of that CPP program period. No optional benefit that assesses a charge to Guaranteed Term Options may be added if Capital Preservation Plus Benefit is elected.