| **AMENDED AND RESTATED   ARTICLES OF INCORPORATION
OF
SUNAMERICA NATIONAL LIFE INSURANCE COMPANY
         We    the undersigned, acting as incorporators for the purpose of amending and    restating the Articles of Incorporation of SunAmerica National Life Insurance    Company, an Arizona corporation, do hereby adopt the following Amended and    Restated Articles of Incorporation for said corporation.
**ARTICLE I**
         The name of    the corporation shall be **AIG SunAmerica Life Assurance Company.**
**ARTICLE II**
         The    corporation was incorporated in the State of California on April 12, 1965    and was given recognition as domestic corporation in the State of Arizona from    and after April 12, 1965, and authorization to transact insurance business as a    domestic insurer, effective January 1, 1996. Upon the approval of the Amended    and Restated Articles of Incorporation of Anchor National Life Insurance Company    by the Arizona Department of Insurance and the State of Arizona, Corporation    Commission, effective October 4, 2001 and October 5, 2001, respectively, the    name of the corporation was changed to "SunAmerica National Life Insurance    Company."
**ARTICLE III**
         The existence of the    corporation shall be perpetual.
**ARTICLE IV**
         Upon   the approval of the Amended and Restated Articles of Incorporation by the    necessary regulatory authorities, AIG SunAmerica Life Assurance Company shall be    and continue to be possessed of all privileges, franchises and powers to the    same extent as if it had been originally incorporated under the laws of the    State of Arizona; and all privileges, franchises and powers belonging to said    corporation, and all property, real, personal and mixed, and all debts due on    whatever account, all Certificates of Authority, agent appointments, and all    chooses in action, shall be and the same are hereby ratified(1) approved,    confirmed and assured to SunAmerica National Life Insurance Company with like    effect and to all intents and purposes as if it had been originally incorporated    under the laws of the State of Arizona.
**ARTICLE V**
             The nature of the business to be transacted and the objects and purposes for    which this corporation is organized include the transaction of any and all    lawful business for which insurance corporations may be incorporated under the    laws of the State of Arizona without limitation, and as said laws may be amended    from time to time, and specifically said corporation shall be authorized to    transact life insurance, disability insurance and annuities, as defined under    Arizona Revised Statutes, Section 20-254, 20-253 and 20-254.01 respectively,    together with such other kinds of insurance as the corporation may from time to    time be authorized to transact, and to act as a reinsurer of business for which    it is duly authorized. Consistent with the applicable federal and state    requirements, the Company may issue funding agreements and guaranteed investment    contracts as defined under Arizona Revised Statutes, Section 20-208.
**ARTICLE VI**
             The authorized capital of the corporation shall be $4,000,000 and shall consist    of 4,000 shares of voting common stock with a par value of $1,000.00 per share.    No holders of stock of the corporation shall have any preferential right to    subscription to any shares or securities convertible into shares of stock of the    corporation, nor any right of subscription to any thereof other than such, if    any, as the Board of Directors in its discretion may determine, and at such    price as the Board of Directors in its discretion may fix; and any shares or    convertible securities which the Board of Directors may determine to offer for    subscription to the holders of stock at the time existing.
             Nothing herein contained shall be construed as prohibiting the corporation from    issuing any shares of authorized but unissued common stock for such    consideration as the Board of Directors may determine, provided such issuance is    approved by the shareholders of the corporation by a majority of the votes    entitled to be cast at any annual or special meeting of shareholders called for    that purpose. No such authorized but unissued stock may, however, be issued to    the shareholders of the corporation by way of a stock dividend, split-up or in    any other manner of distribution unless the same ratable stock dividend, stock    split-up or other distribution be declared or made in voting common stock to the    holder of such voting common stock at the time outstanding. Each holder of    common stock shall be entitled to participate share for share in any cash    dividends which may be declared from time to time on the common stock of the    corporation by the Board of Directors and to receive pro rata the net assets of    the corporation on liquidation.
**ARTICLE VII**
             The affairs of the corporation shall be conducted by a Board of Directors    consisting of not less than five (5) nor more than fifteen (15) directors as    fixed by the bylaws, and such officers as said directors may at any time elect    or appoint. No officer or director need be a shareholder of this corporation.    Five (5) directors shall constitute the initial Board of Directors. The names    and addresses of the persons who are to serve as directors until the next annual    meeting of shareholders or until their successors are
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elected and qualified, and of the persons who    are to serve as officers until the next annual meeting of the directors or    until their successors are elected and qualify, are:   Board of Directors    James R. Belardi    1 SunAmerica Center, Century City    Los Angeles, California 90067-6022       Marc H. Gamsin    1 SunAmerica Center, Century City    Los Angeles, California 90067-6022       N. Scott Gillis    1 SunAmerica Center, Century City    Los Angeles, California 90067-6022       Jana W. Greer    1 SunAmerica Center, Century City    Los Angeles, California 90067-6022       Jay S. Wintrob    1 SunAmerica Center, Century City    Los Angeles, California 90067-6022
             The directors shall have the power to adopt, amend, alter and repeal the Bylaws,    to manage the corporate affairs and make all rules and regulations expedient for    the management of the affairs of the corporation, to remove any officer and to    fill all vacancies occurring in the Board of Directors and offices for any    cause, and to appoint from their own number an executive committee and other    committees and vest said committees with all the powers permitted by the Bylaws.
**ARTICLE VIII**
             Subject to the further provisions hereof, the corporation shall indemnify any    and all of its existing and former directors and officers and their spouses    against all expenses incurred by them and each of them, including but not    confined to legal fees, judgments and penalties which may be incurred, rendered    or levied in any legal or administrative action brought against any of them, for    or on account of any action or omission alleged to have been committed while    acting within the scope of employment as a director or officer of the    corporation to the fullest extent allowable pursuant to A.R.S.   10-120, et al.    as my be amended from time to time. Whenever any such person has grounds to    believe that he may incur any such aforementioned expense, he shall promptly    make a full report of the matter to the President and the Secretary of the    Corporation. Thereafter, the Board of Directors of the corporation shall, within    a reasonable time, determine if such person acted, or failed to act, in good    faith and in a manner he reasonably believed to be in or not opposed to the best    interest of the corporation, and,
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with respect to any criminal action or proceeding, had no reasonable cause to    believe his conduct was unlawful. If the Board of Directors determines that such    person acted, or failed to act, in good faith and in a manner he reasonably    believed to be in or not opposed to the best interests of the corporation, and,    with respect to any criminal action or proceeding, had no reasonable cause to    believe his conduct was unlawful, then indemnification shall be mandatory and    shall be automatically extended as specified herein, provided, however, that the    corporation shall have the right to refuse indemnification, wholly or partially,    in any instance in which the person to whom indemnification would otherwise have    been applicable shall have unreasonably refused to permit the corporation, at    its own expense and through counsel of its own choosing, to defend him in the    action, or shall have unreasonably refused to cooperate in the defense of such    action.
**ARTICLE IX**
             All directors of the corporation shall be elected at the annual meeting of the    shareholders, which shall be held on the third Thursday of March of each year or    such other date and time as may be determined by the Board of Directors, unless    such day falls on a holiday, in which event the regular annual meeting shall be    held on the next succeeding business day.
**ARTICLE X**
             The principal place of business of the corporation shall be located in the City    of Phoenix, Maricopa County, Arizona, but it may have other places of business    and transact business, and its Board of Directors or shareholders may meet for    the transaction of business, at such other place or places within or without the    State of Arizona which its Board of Directors may designate.
**ARTICLE XI**
             The fiscal year of the corporation shall be the calendar year.
**ARTICLE XII**
             In no event shall the corporation incur indebtedness in excess of the amount    authorized by law.
**ARTICLE XIII**
             The shares of the corporation, when issued, shall be non-assessable, except to    the extent required by the Constitution, specifically, but not in limitation    thereof, as provided by Article XIV, Section 11 of the Constitution of the State    of Arizona and the laws of the State of Arizona.
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**ARTICLE XIV**
             The private property of the shareholders, directors and officers of the    corporation shall be forever exempt from debts and obligations of the    corporation.
**ARTICLE XV**
             The Bylaws of the corporation may be repealed, altered amended, or substitute    Bylaws may be adopted, by the directors or the shareholders, in accordance with    the provisions contained in said Bylaws.
**ARTICLE XVI**
             J. Michael Low of 2999 North 44th Street, Suite 250, Phoenix, Arizona, 85018,    having been a bona fide resident of Arizona for at least three (3) years, is    hereby appointed the statutory agent of this corporation in the State of    Arizona, upon whom notices and processes, including service of summons, may be    served, and which, when so served shall have lawful personal service on the    corporation. The Board of Directors may revoke this appointment at any time, and    shall fill the vacancy in such position whenever one exists.
**ARTICLE XVII**
             Shareholder action was not required to amend and restate the Articles.
             IN WITNESS WHEREOF, we hereunto affix our signatures as of the ____ day of ________ , 2001. 
DIRECTORS: 
James R. Belardi 
Marc H. Gamsin 
N. Scott Gillis 
Jana W. Greer 
Jay S. Wintrob
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**APPOINTMENT OF STATUTORY AGENT**
             I, J. Michael Low, being a resident of the State of Arizona for at least three    (3) years preceding this appointment, do hereby accept appointment as Statutory    Agent for AIG SunAmerica Life Assurance Company in accordance with the Arizona    Revised Statutes until appointment of a successor Statutory Agent and removal.
             Dated this _______ day of ___________________________ , 2002.   
  J. Michael Low  Low & Childers, P.C.
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