Armor Ten GMAB rider

A GMAB guarantees minimum accumulation benefit on the Term End Date equal to the sum of (1) Purchase payments during the first 90 days of the term multiplied by the 110% GMAB factor: and (2) additional Purchase Payments during the Initial Term, multiplied by the applicable GMAB Subsequent Purchase Payment Adjustment Factor and GMAB Factor of 110% ; as adjusted by partial withdrawals. The current GMAB Subsequent Purchase Payment Adjustment Factors for the initial Term are (50%: 9-4th yrs, 60%: 3rd yr, 70%: 2nd yr, 80%: 1st yr, 90%: 0th yr) For successive Terms, if elected, we guarantee the sum of (1) Contract Value on the Term Start Date multiplied by the applicable GMAB Factor; and (2) additional Purchase Payments during the Term, multiplied by the applicable GMAB Subsequent Purchase Payment Adjustment Factor and GMAB Factor, as adjusted by partial withdrawals and At the 10-year term end date, if the contract value is less than the GMAB base, the GMAB credit will be added to restore it to the guaranteed contract value.