CONTRACT SCHEDULE


CONTRACT OWNER: [John Doe]             CONTRACT NUMBER:  [??687456]

JOINT OWNER:  [Jane Doe]               ISSUE DATE:   [04/15/02]

ANNUITANT:  [John Doe]                 INCOME DATE:  [04/15/15]

PURCHASE PAYMENTS:
         MINIMUM INITIAL PURCHASE PAYMENT:  [$25,000]

         MINIMUM SUBSEQUENT
                  PURCHASE PAYMENT:         [$100 if you have selected AIP]

         MAXIMUM TOTAL
                  PURCHASE PAYMENTS:        [$1 million; higher amounts may be
                                             accepted with our prior approval]
         ALLOCATION GUIDELINES:
                  [1. Currently, you can select up to 15 of the Investment
                  Options and/or the Fixed Account. Allocations to the Fixed
                  Account are limited to [50%] of Purchase Payments.

                  2. If allocations are made in percentages, whole numbers must
                  be used.]


INVESTMENT OPTIONS:
         VARIABLE ACCOUNT: [Allianz Life Variable Account B]


[DAVIS VA FINANCIAL]
[DREYFUS SMALL CAP STOCK INDEX]
[DREYFUS STOCK INDEX]
[FRANKLIN GLOBAL COMMUNICATIONS SECURITIES]
[FRANKLIN GROWTH AND INCOME SECURITIES]
[FRANKLIN HIGH INCOME]
[FRANKLIN INCOME SECURITIES]
[FRANKLIN LARGE CAP GROWTH SECURITIES]
[FRANKLIN REAL ESTATE]
[FRANKLIN RISING DIVIDENDS SECURITIES]
[FRANKLIN SMALL CAP]
[FRANKLIN SMALL CAP VALUE SECURITIES]
[FRANKLIN U.S. GOVERNMENT]
[FRANKLIN ZERO COUPON - 2005]
[FRANKLIN ZERO COUPON - 2010]
[JENNISON 20/20 FOCUS]
[MUTUAL DISCOVERY SECURITIES]
[MUTUAL SHARES SECURITIES]
[PIMCO VIT ALL ASSET]
[PIMCO VIT HIGH YIELD]
[PIMCO VIT REAL RETURN]
[PIMCO VIT TOTAL RETURN]
[SP STRATEGIC PARTNERS FOCUSED GROWTH]


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[TEMPLETON DEVELOPING MARKETS SECURITIES]
[TEMPLETON FOREIGN SECURITIES]
[TEMPLETON GROWTH SECURITIES]
[USAZ AIM BASIC VALUE]
[USAZ AIM BLUE CHIP]
[USAZ AIM DENT DEMOGRAPHIC TRENDS]
[USAZ AIM INTERNATIONAL EQUITY]
[USAZ DAVIS NY VENTURE]
[USAZ DREYFUS FOUNDERS GROWTH AND INCOME]
[USAZ DREYFUS PREMIER SMALL CAP VALUE]
[USAZ LEGG MASON VALUE]
[USAZ MONEY MARKET]
[USAZ OPPENHEIMER EMERGING GROWTH]
[USAZ OPPENHEIMER EMERGING TECHNOLOGIES]
[USAZ OPPENHEIMER GLOBAL]
[USAZ OPPENHEIMER INTERNATIONAL GROWTH]
[USAZ OPPENHEIMER MAIN STREET]
[USAZ PIMCO NFJ SMALL CAP VALUE]
[USAZ PIMCO PEA RENAISSANCE]
[USAZ PIMCO PEA VALUE]
[USAZ VAN KAMPEN AGGRESSIVE GROWTH]
[USAZ VAN KAMPEN COMSTOCK]
[USAZ VAN KAMPEN EQUITY AND INCOME]
[USAZ VAN KAMPEN EMERGING GROWTH]
[USAZ VAN KAMPEN GLOBAL FRANCHISE]
[USAZ VAN KAMPEN GROWTH]
[USAZ VAN KAMPEN GROWTH AND INCOME]

[ALLIANZ LIFE GENERAL ACCOUNT]:

         [ALLIANZ LIFE FIXED ACCOUNT]

MORTALITY AND EXPENSE RISK CHARGE: During the Accumulation Phase, the mortality
and expense risk charge is equal on an annual basis to [1.40%] of the average
daily net assets of the Variable Account. During the Annuity Phase, the
mortality and expense risk charge is equal on an annual basis to [1.40%] of the
average daily net assets of the Variable Account if you request variable Annuity
Payments.

CONTRACT MAINTENANCE CHARGE: The contract maintenance charge is [$40] each
Contract Year.

During the Accumulation Phase, the contract maintenance charge will be deducted
from the Contract Value the last day of each Contract Year while this Contract
is in force. During the Accumulation Phase, if your Contract Value on a Contract
Anniversary is at least [$75,000], then we will not deduct the contract
maintenance charge. If a full withdrawal is made on a date other than a Contract
Anniversary and your Contract Value for the Valuation Period during which the
full withdrawal is made is less than [$75,000], the full contract maintenance
charge will be deducted at the time of the withdrawal. In the event you own more
than one contract of the same type issued by the Company, we will determine the
total Contract Value for all of the Contracts. If the total Contract Value for
all of the Contracts is at least [$75,000] at the time we are to deduct the
charge, we will not assess the contract maintenance charge.

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During the Annuity Phase, the contract maintenance charge will be collected
monthly from each Annuity Payment.

If the total Contract Value is at least [$75,000 on the Income Date we will not
assess the contract maintenance charge during the Annuity Phase. If the Contract
Owner is a non-individual, we will look to the Annuitant in determining the
foregoing.



TRANSFERS:

         NUMBER OF FREE TRANSFERS PERMITTED: Currently, there are no limits on
         the number of transfers that can be made. We reserve the right to
         change this, but you will always be allowed at least 12 transfers in
         any Contract Year. Currently, you are allowed [12] free transfers each
         Contract Year. This applies to transfers prior to and after the Income
         Date.

         TRANSFER FEE: For each transfer in excess of the free transfers
         permitted, the transfer fee is [$25]. Transfers made at the end of the
         Right to Examine period by us, any transfers made pursuant to a
         regularly scheduled transfer or other transfers under programs
         specifically waiving the transfer fee will not be counted in
         determining the application of the transfer fee.

WITHDRAWALS:

WITHDRAWAL CHARGE: During the Accumulation Phase, a withdrawal charge is
assessed against Purchase Payments withdrawn. The charge is calculated at the
time of each withdrawal. The withdrawal charges are as follows:

        [WITHDRAWAL CHARGE - DURING THE ACCUMULATION PHASE:
         (as a percentage of total Purchase Payments)

             Number of Complete
             Years Since Receipt of Purchase Payment            Charge
           -----------------------------------------            ------
                          0                                        8%
                          1                                        8%
                          2                                        7%
                          3                                        6%
                          4                                        5%
                          5                                        4%
                          6                                        3%
                          7 years or more                          0%]

PARTIAL WITHDRAWAL PRIVILEGE: Each Contract Year, on a non-cumulative basis, you
can make multiple withdrawals up to a total of [12%] of Purchase Payments (prior
to any applicable MVA), without incurring a withdrawal charge. However, the
withdrawal may be still subject to any applicable MVA if any portion of the
amount is withdrawn from the Fixed Account. Full withdrawals are assessed a
withdrawal charge on the full Withdrawal Charge Basis Amount with no reductions
for the Partial Withdrawal Privilege.

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         MINIMUM PARTIAL WITHDRAWAL:  [None]

         MINIMUM CONTRACT VALUE THAT MUST REMAIN IN THE CONTRACT AFTER A
         PARTIAL WITHDRAWAL:  [None]


LIQUIDATIONS ARE NOT ALLOWED DURING THE ANNUITY PHASE.

AMOUNT AVAILABLE FOR ANNUITY PAYMENTS: The amount available for Annuity Payments
is your Contract Value less any applicable Premium Tax.

ASSUMED INVESTMENT RETURN:  [5%]

[FIXED PERIOD ACCOUNT GUARANTEED MINIMUM INTEREST RATE:  [1.0%]
We guarantee that the annual interest rate credited on amounts in the Fixed
Period Account will be at least this rate. This rate is guaranteed for all
Contract Years. This guarantee does not apply to allocations to Investment
Options.]

[FIXED PERIOD ACCOUNT GUARANTEED MINIMUM VALUE INTEREST RATE:  [1-3%]
We guarantee that the annual interest rate credited on the FPA Guaranteed
Minimum Value will be this rate. This rate is guaranteed for all Contract
Years.]


RIDERS:

         [Annuity Option Amendment Endorsement]
         [Contract Amendment Endorsement]
         [Charitable Remainder Trust Endorsement]
         [Enhanced Guaranteed Minimum Death Benefit Endorsement]
         [Guaranteed Withdrawal Benefit Endorsement]
         [Guaranteed Account Value Benefit Endorsement]
         [Guaranteed Minimum Income Benefit Endorsement]
         [Individual Retirement Annuity Endorsement]
         [403(b) Annuity Endorsement]
         [Fixed Account with a Market Value Adjustment Endorsement]
         [Pension Plan and Profit Sharing Plan Endorsement]
         [Roth Individual Retirement Annuity Endorsement]
         [Traditional Guaranteed Minimum Death Benefit Endorsement]
         [Unisex Endorsement]
         [Waiver of Withdrawal Charge Endorsement]
         [Endorsement]


SERVICE OFFICE:    [ALLIANZ] SERVICE CENTER
                   [300 Berwyn Park
                   P.O. Box 3031
                   Berwyn, PA 19312-0031
                   800-624-0197]


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