Guaranteed Principal Benefit

There are two options available - Option 1 and Option 2. Under Option 1, annuitant selects a fixed maturity option at contract issue. Issuer specify portion of initial purchase payment to be allocated to that fixed maturity option in an amount that will cause maturity value to equal amount of entire initial purchase payment on fixed maturity option's maturity date. Under Option 2, additional purchase payments are not permitted after six months. Issuer will specify portion of initial purchase payment and any additional permitted purchase payment, to be allocated to Special 10 year fixed maturity option. If contract value is less than benefit base at rider maturity date, Issuer will apply additional amount to increase contract value equal to benefit base.