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THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK




MAXIMUM ANNIVERSARY VALUE OPTIONAL

DEATH BENEFIT ENDORSEMENT


Notwithstanding any provision in the Contract to the contrary, this Endorsement becomes a part of
the Contract to which it is attached. Should any provision in this Endorsement conflict with the
Contract, the provisions of this Endorsement will prevail. Capitalized terms used in this
Endorsement have the same meaning as they have in the Contract.



This Endorsement modifies the “DEATH PROVISIONS” in the Contract as set forth below.




ENDORSEMENT DATA




	 	 	 

	MAXIMUM ANNIVERSARY VALUE OPTIONAL
DEATH BENEFIT CHARGE:

	 	Annual fee of 0.25% of the average
daily ending value of the assets
attributable to the Accumulation
Units of the Variable Portfolio(s)
to which Your Contract is allocated.
We deduct this charge daily. This
charge is in addition to other
charges, fees and expenses described
in Your Contract.





The “AMOUNT OF DEATH BENEFIT” provisions are replaced as follows:





Maximum Anniversary Value Death Benefit




If the Owner was age 80 or younger on the Contract Date, upon Our receipt of all Required
Documentation at Our Annuity Service Center, We will calculate the Death Benefit as the
greatest of:




	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	Net Purchase Payment(s) received prior to the Owner’s 86th
birthday; or
	 
	 	3.	 	The Maximum Anniversary Value that is equal to the greatest anniversary
value determined prior to the earlier of:






	 	a)	 	The Owner’s 83rd birthday; or
	 
	 	b)	 	The Owner’s date of death;






	 	 	 	plus Purchase Payment(s) received since that Contract anniversary, but prior to the
Owner’s 86th birthday, and reduced proportionately by the amount by which
each Withdrawal reduces the Contract Value since that Contract anniversary.





					
	 	 	 	 	 
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Spousal Beneficiary Continuation



If the Spousal Beneficiary continues the Contract on the Continuation Date and Upon Our
receipt of all Required Documentation at Our Annuity Service Center, the Death Benefit
payable upon the death of the Spousal Beneficiary will be as follows:



If the Spousal Beneficiary was age 80 or younger on the Continuation Date, We will calculate
the Death Benefit as the greatest of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date but prior to the Spousal Beneficiary’s
86th birthday and reduced proportionately for any Withdrawals after the
Continuation Date; or
	 
	 	3.	 	The Maximum Anniversary Value after the Continuation Date that is equal
to the greatest anniversary value determined prior to the earlier of:






	 	a)	 	The Spousal Beneficiary’s 83rd birthday; or
	 
	 	b)	 	The Spousal Beneficiary’s date of death;






	 	 	 	plus Purchase Payment(s) received after the Continuation Date and since that
Contract anniversary, but prior to the Spousal Beneficiary’s 86th
birthday, and this sum is reduced proportionately for any Withdrawals since that
Contract anniversary.




If the Spousal Beneficiary was at least age 81 but younger than age 86 on the Continuation
Date, and if the Owner did not elect a living benefit or a guaranteed minimum withdrawal
benefit, We will calculate the Death Benefit as the greater of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date, but prior to the Spousal Beneficiary’s
86th birthday, and reduced proportionately for any Withdrawals after the
Continuation Date.




If the Spousal Beneficiary was at least age 81 but younger than age 86 on the Continuation
Date, and if the Owner elected a living benefit or guaranteed minimum withdrawal benefit, We
will calculate the Death Benefit as the greater of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date but prior to the Spousal Beneficiary’s
86th birthday and reduced by:






	 	a)	 	any Withdrawal Adjustments after the Continuation Date
if the benefit has not been terminated; or
	 
	 	b)	 	any Withdrawal Adjustments after the Continuation Date
and prior to the date the benefit is terminated, and reduced
proportionately for any






					
	 	 	 	 	 
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	 	 	 	Withdrawals after the Continuation Date and on and after the date the
benefit is terminated.




If the Spousal Beneficiary was age 86 or older on the Continuation Date, the Death Benefit will be
the Contract Value for the NYSE business day during which We receive all Required Documentation at
Our Annuity Service Center.



The Death Benefit payable will accrue interest at Our current rate from the date of death to the
date the Death Benefit is distributed.



Signed for the Company to be effective on the Contract Date.



THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK




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