exv4wcc









AMERICAN GENERAL LIFE INSURANCE COMPANY




OPTIONAL PAYMENT ENHANCEMENT ENDORSEMENT


Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
Optional Payment Enhancement Endorsement (the “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.



Subject to the terms and conditions set forth below, this Endorsement credits additional amounts to
your Contract Value based on certain Purchase Payment(s) made to your Contract. This Endorsement
may not be elected with other Endorsements containing different Withdrawal Charges or schedules.




DEFINITIONS



For purposes of this Endorsement, the following definitions apply. Terms not defined in this
Endorsement shall have the same meaning given to them in the Contract.




CONTRACT ANNIVERSARY



Each consecutive one year period starting on the Contract Date.




PAYMENT ENHANCEMENT



A Payment Enhancement is an amount allocated to Your Contract Value by Us, and which is based on
the amount of Your Purchase Payment as of the Purchase Payment Date. Payment Enhancements are not
considered Purchase Payments.




PAYMENT ENHANCEMENT RATE



The applicable percentage of the Purchase Payment that is used to calculate the amount of Payment
Enhancement to be allocated to Your Contract Value on the Purchase Payment Date.




PURCHASE PAYMENT DATE



The date on which a particular Purchase Payment is made.




PAYMENT ENHANCEMENT SCHEDULE



We will allocate applicable Payment Enhancements to Your Contract Value according to the following
schedule:




	 	 	 	 	 
	Purchase Payment Date	 	Payment Enhancement Rate
	[before 1st Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 1st Contract Anniversary but before 2nd Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 2nd Contract Anniversary but before 3rd Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 3rd Contract Anniversary but before 4th Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 4th Contract Anniversary]
	 	 	[0.00%]	 






ALLOCATION OF PAYMENT ENHANCEMENTS



We will allocate any Payment Enhancement to available Variable Portfolio(s) and/or Fixed Account
Option(s) in the same proportion as the Purchase Payment to which it applies is allocated.




ASE-6220 (12/10)





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PAYMENT ENHANCEMENT DEDUCTION



During the Right To Examine/Right To Cancel period, if You can cancel Your Contract and this
Endorsement and if Your Contract requires:





	 	1.	 	The return of Contract Value, We will refund the Contract Value as of the
business day during which the Contract is received by Us reduced by the lesser of:
(a) the value of all Payment Enhancements as of the date on which We receive Your
request to cancel Your Contract; or (b) the amount of all Payment Enhancements We
allocated to Your Contract Value; or
	 
	 	2.	 	The return of Purchase Payment(s), We will refund the Purchase Payment(s).






	 	 	We reserve the right to allocate Your Payment Enhancement to a Variable Portfolio with a
cash management objective until the end of the Right To Examine/Right To Cancel period.




Signed for the Company to be effective as of the Contract Date.




	 	 	 

	

	 	






ASE-6220 (12/10)





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