PayPlan Benefit

This rider provides a return of principal with reset.

The reset date is: (1) the rider effective date; (2) a contract anniversary on which owner elect to reset the benefit base amount; (3) any date on which owner assign or transfer an interest in the contract to spouse if account value is less than the benefit base amount; and (4) any date before the benefit start date that would have been the death benefit valuation date if a spouse becomes the successor owner of the contract and account value on that date is less than the benefit base amount.