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

OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT



Notwithstanding any provision in the Contract or Certificate (“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.



Subject to the terms and conditions set forth herein this optional Guaranteed Living Benefit
Endorsement provides for guaranteed income over the lifetime of the Covered Person(s). You may
take Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this
Endorsement is in effect.




ENDORSEMENT DATA PAGE




	 	 	 

	COVERED PERSON(S):

	 	[John Doe 
 Jane Doe] ¬1
	 
	 	 
	ENDORSEMENT EFFECTIVE DATE:

	 	[December 1, 2012] ¬1
	 
	 	 
	ELIGIBLE PURCHASE PAYMENTS:

	 	100% of Purchase Payments received in the 1st Contract Year
	 
	 	 
	GROSS PURCHASE PAYMENT LIMIT:

	 	The sum of Purchase Payments cannot exceed $1,500,000 without prior
Company approval
	 
	 	 
	SECURE VALUE ACCOUNT ALLOCATION:

	 	20% of every Purchase Payment(s), Spousal Beneficiary Contribution,
and Payment Enhancements if applicable






ENDORSEMENT FEE:



The Endorsement Fee is assessed against the Income Base and deducted from the Contract Value
allocated to the Variable Portfolio(s) or Subaccount(s) at the end of each Benefit Quarter. The
Initial Annual Fee Rate is guaranteed not to change for the first Benefit Year. After the first
Benefit Year, on each Benefit Quarter Anniversary, we will (1) deduct the fee in effect for the
previous Benefit Quarter; and (2) determine the fee rate applicable to the next Benefit Quarter.
The fee rate can increase or decrease each Benefit Quarter, subject to the minimums and maximums in
the table below:




	 	 	 	 	 	 	 	 	 
	Number of Covered	 	 	 	 	 	 	 	Maximum Annualized
	Persons on	 	 	 	 	 	 	 	Fee Rate Increase or
	Endorsement	 	Initial Annual	 	Maximum Annual	 	Minimum Annual	 	Decrease Each Benefit
	Effective Date	 	Fee Rate	 	Fee Rate	 	Fee Rate	 	Quarter*
	One Covered Person
	 	1.10%
	 	2.20%
	 	0.60%
	 	+/- 0.25%
	Two Covered Persons
	 	1.35%
	 	2.70%
	 	0.60%
	 	+/- 0.25%








 




			
	*	 	The fee rate can increase or decrease no more than 0.0625% each quarter (0.25%/4).





	 	 	 	 	 

	INCOME CREDIT PERCENTAGE:

	 	6%	 	 
	 
	 	 	 	 
	INCOME CREDIT PERIOD:

	 	Beginning on the Endorsement Effective Date and
ending 12 years later







MAXIMUM ANNUAL WITHDRAWAL AND PROTECTED INCOME PAYMENT PERCENTAGES:




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Maximum Annual Withdrawal	 	 
	 	 	Percentage	 	Protected Income Payment Percentage
	Age at First	 	One Covered	 	Two Covered	 	One Covered	 	 
	Withdrawal	 	Person	 	Persons	 	Person	 	Two Covered Persons
	Less than Age 65
	 	 	1	%	 	 	1	%	 	 	1	%	 	 	1	%
	Age 65 and older
	 	 	5.25	%	 	 	4.75	%	 	 	5.0	%	 	 	4.5	%






	 	 	 

	MINIMUM INCOME BASE:

	 	200% of Eligible Purchase Payments received in the
1st Benefit Year effective on the
12th Benefit Year Anniversary provided no
Withdrawals are taken before the 12th
Benefit Year Anniversary.






					
	 	 	 	 	 
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DEFINITIONS



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




AGE



The attained age as of the Covered Person’s last birthday. If there are two Covered Persons on the
Endorsement Data Page, the Age of the younger Covered Person or in the event of the death of one
Covered Person, the surviving Covered Person as of their last birthday.




BENEFIT ANNIVERSARY VALUE



The Contract Value including any applicable Payment Enhancement(s) or Spousal Beneficiary
Continuation Contribution minus cumulative Ineligible Purchase Payments, as measured on each
Benefit Year Anniversary.




BENEFIT QUARTER



Each consecutive 3 month period starting on the Endorsement Effective Date.




BENEFIT QUARTER ANNIVERSARY



The date following each consecutive 3 month period starting on the Endorsement Effective Date. If
the next Benefit Quarter Anniversary is on any non-business day of the month for which there is no
corresponding date the Benefit Quarter Anniversary will be deemed to be the following business day.




BENEFIT YEAR



Each consecutive one year period starting on the Endorsement Effective Date.




BENEFIT YEAR ANNIVERSARY



The date on which each Benefit Year begins.




CONTRACT YEAR



Each consecutive one year period starting on the Contract Date.




COVERED PERSON(S)



The person(s) named on the Endorsement Data Page whose lives are used to determine the amount and
duration of Withdrawals.




ELIGIBLE PURCHASE PAYMENTS



Purchase Payments or portions thereof made on or after the Endorsement Effective Date as shown on
the Endorsement Data Page that are included in the calculation of the Income Base. If this
Endorsement is added after the Contract Date, for purposes of determining the Income Base, Income
Credit Base, if applicable, and Minimum Income Base, if applicable, the Contract Value on the
Endorsement Effective Date is considered the initial Eligible Purchase Payment and Purchase
Payments added prior to the Endorsement Effective Date are not considered Eligible Purchase
Payments. The calculation of Eligible Purchase Payments does not include Payment Enhancements,
Income Credits, or Spousal Beneficiary Continuation contribution, if any.




ENDORSEMENT EFFECTIVE DATE



The date when this Endorsement becomes effective as shown on the Endorsement Data Page.




EXCESS WITHDRAWAL



Any Withdrawal in a Benefit Year taken after the Maximum Annual Withdrawal Amount has been
withdrawn, or any portion of a Withdrawal that causes the total Withdrawals in a Benefit Year to
exceed the Maximum Annual Withdrawal Amount.




HIGHEST ANNIVERSARY VALUE



The Benefit Anniversary Value that is the greater of (1) all Benefit Anniversary Values; and (2)
Eligible Purchase Payments, while this Endorsement is effective and the Contract Value is greater
than zero.




INCOME BASE



The Income Base is used to determine the Endorsement Fee, the Maximum Annual Withdrawal Amount and
the Protected Income Payment.




					
	 	 	 	 	 
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INCOME CREDIT



An amount that may be added to the Income Base during the Income Credit Period that is equal to the
Income Credit Percentage multiplied by the Income Credit Base.




INCOME CREDIT BASE



A factor which is used to determine the amount of any Income Credit during the Income Credit
Period.




INCOME CREDIT PERIOD



The period of time over which We calculate an Income Credit that may be added to the Income Base.




INELIGIBLE PURCHASE PAYMENTS



Purchase Payments or portions thereof that are not included in the calculations of the Income Base,
Minimum Income Base, and the Income Credit Base.




MAXIMUM ANNUAL WITHDRAWAL AMOUNT



The maximum amount that may be withdrawn each Benefit Year while the Contract Value is greater than
zero without reducing the Income Base and the Income Credit Base, if applicable.




MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE



The percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual
Withdrawal Amount available for Withdrawal each Benefit Year while the Contract Value is greater
than zero and the Covered Person(s) is living.




MINIMUM INCOME BASE



The guaranteed minimum amount to which the Income Base and the Income Credit Base, if applicable,
could be increased on a specified Benefit Year Anniversary provided no Withdrawals are taken before
the 12th Benefit Year Anniversary.




PROTECTED INCOME PAYMENT



The amount to be paid each year over the remaining lifetime of the Covered Person(s) after the
Contract Value is reduced to zero but the Income Base is still greater than zero.




PROTECTED INCOME PAYMENT PERCENTAGE



The percentage, as referenced on the Endorsement Data Page, used to determine the Protected Income
Payment.




YOU, YOUR



The Covered Person(s) under this Endorsement.




GUARANTEED LIVING BENEFIT PROVISIONS



The Guaranteed Living Benefit described in this Endorsement provides for guaranteed Withdrawals
over the lifetime of the Covered Person(s), subject to the following provisions:




Calculation of the Factors of the Guaranteed Living Benefit



To determine the Guaranteed Living Benefit, We use the following factors: Income Base, Income
Credit Base, Income Credit, Income Credit Percentage, Income Credit Period, Minimum Income Base,
and Maximum Annual Withdrawal Amount. These factors are not used in the calculation of the
Contract Value or any other benefits under the Contract.



Withdrawals taken under this Living Benefit are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, including any fees and charges applicable to
such Withdrawals and any other benefits under the Contract. In any Benefit Year, Withdrawals up to
Maximum Annual Withdrawal Amount are free of Withdrawal Charges.



Calculation of the Income Base





Calculation of the Income Base if the Endorsement is Elected on the Contract Date




If this Living Benefit is elected on the Contract Date, the initial Income Base is equal to
the initial Eligible Purchase Payment.




Calculation of the Income Base if the Endorsement is Elected After the Contract Date



					
	 	 	 	 	 
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If this Living Benefit is elected after the Contract Date, the initial Income Base is the
Contract Value on the Endorsement Effective Date, which is considered the initial Eligible
Purchase Payment and is subject to the Eligible Purchase Payment limits shown on the
Endorsement Data Page.




Thereafter, on each Benefit Year Anniversary, the Income Base is automatically increased to
the greater of (a), or (b) where:




	 	(a)	 	is the Highest Anniversary Value; and
	 
	 	(b)	 	is the current Income Base, plus the Income Credit, if any.






The Income Base will continue to be calculated on each Benefit Year Anniversary while this
Endorsement is in effect and both the Contract Value and Income Base are greater than zero.


Calculation of the Income Credit Base





Calculation of the Income Credit Base if the Endorsement is Elected on the Contract Date




The Income Credit Base is used to calculate the amount of the Income Credit during the
Income Credit Period. If this Living Benefit is elected on the Contract Date, the initial
Income Credit Base is equal to the initial Eligible Purchase Payment.




Calculation of the Income Credit Base if the Endorsement is Elected After the Contract Date




If this Living Benefit is elected after the Contract Date, the initial Income Credit Base is
the Contract Value on the Endorsement Effective Date, which is considered the initial
Eligible Purchase Payment and is subject to the Eligible Purchase Payment limits shown on
the Endorsement Data Page.




Thereafter, the Income Credit Base is increased and decreased as follows:




Increases in the Income Credit Base




The Income Credit Base increases each time Eligible Purchase Payments are made. The Income
Credit Base also increases to the Highest Anniversary Value when the Income Base is
increased to the Highest Anniversary Value.




Decreases in the Income Credit Base




The Income Credit Base decreases each time an Excess Withdrawal is taken, in the same
proportion by which the Contract Value is reduced by the amount in excess of the Maximum
Annual Withdrawal Amount.


Calculation of the Income Credit





On each Benefit Year Anniversary during the Income Credit Period, if Withdrawals were not
taken during the previous Benefit Year, the Income Credit is determined by multiplying the
Income Credit Percentage by the Income Credit Base. If any Withdrawals were taken in the
previous Benefit Year, then the Income Credit is reduced to zero for that Benefit Year.


Calculation of the Minimum Income Base





Calculation of the Minimum Income Base if the Endorsement is Elected on the Contract Date




If this Living Benefit is elected on the Contract Date, the Minimum Income Base is as shown
on the Endorsement Data Page.




Calculation of the Minimum Income Base if the Endorsement is Elected After the Contract Date




If this Living Benefit is elected after the Contract Date, the Minimum Income Base is 200%
of the Contract Value on the Endorsement Effective Date and is considered the initial
Eligible Purchase Payment and is subject to the Eligible Purchase Payment limits shown on
the Endorsement Data Page.




The Income Base and Income Credit Base, if applicable, will be increased to at least the
Minimum Income Base on the 12th Benefit Year Anniversary, provided no Withdrawals
are taken prior to that anniversary. If You are eligible for the Minimum Income Base, the
Income Base on the 12th Benefit Year Anniversary is the greater of (a) or (b),
where:




	 	(a)	 	is the current Income Base; and
	 
	 	(b)	 	is the Minimum Income Base.





					
	 	 	 	 	 
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Calculation of the Maximum Annual Withdrawal Amount



The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum
Annual Withdrawal Percentage as shown on the Endorsement Data Page ,which is determined by Your Age
at the time You first take a Withdrawal from Your Contract.



Withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual
Withdrawal Amount will not reduce the Maximum Annual Withdrawal Amount and the Income Base, and the
Income Credit Base if applicable. If you take an Excess Withdrawal in a Benefit Year, the Income
Credit is reduced to zero for that Benefit Year. If You choose to take less than the Maximum
Annual Withdrawal Amount in any Benefit Year, You may not carry over the unused amount for
withdrawal in subsequent Benefit Years. Your Maximum Annual Withdrawal Amount in any year will not
be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount
in the prior year.



Calculation of the Protected Income Payment





If you have taken Withdrawals up to the Maximum Annual Withdrawal Amount but your Contract
Value has been reduced to zero due to unfavorable investment performance, if you live longer
than expected, or any combination of these factors, You may be eligible to receive the
Protected Income Payment. When the Contract Value is reduced to zero, but the Income Base
is still greater than zero, the Protected Income Payment is calculated by multiplying the
Income Base by the applicable Protected Income Payment Percentage, which is determined by
Your Age at the time You first take a Withdrawal from Your Contract, as shown on the
Endorsement Data Page. Thereafter, You will receive the Protected Income Payment each year
for the remaining lifetime of the Covered Person.


The following describes how increases and decreases in the Income Base can impact Your Maximum
Annual Withdrawal Amount




Increases in the Income Base



The Income Base is increased anytime an Eligible Purchase Payment is allocated to Your Contract.
The Income Base is also increased by any available Income Credit on any Benefit Year Anniversary
during the Income Credit Period, or as a result of a Highest Anniversary Value being achieved
resulting in the Income Base being stepped up on a Benefit Year Anniversary. In addition, the
Income Base can also be increased to the Minimum Income Base on the 12th Benefit Year
Anniversary, provided no Withdrawals are taken before the 12th Benefit Year Anniversary.
In any Benefit Year during which Eligible Purchase Payments are allocated to Your Contract, any
remaining Withdrawals of the Maximum Annual Withdrawal Amount will be based on the increased
Maximum Annual Withdrawal Amount reduced by Withdrawals previously taken in that Benefit Year. If
the Income Base is increased on a Benefit Year Anniversary, the Maximum Annual Withdrawal Amount
will be recalculated on that Benefit Year Anniversary, for the upcoming Benefit Year, by
multiplying the increased Income Base by the applicable Maximum Annual Withdrawal Percentage. The
Endorsement Fee will be assessed on the increased Income Base.




Decreases in the Income Base



Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any Excess
Withdrawal in a Benefit Year reduces the Income Base in the same proportion by which the Contract
Value is reduced by the Excess Withdrawal. As a result of a reduction of the Income Base, the
Maximum Annual Withdrawal Amount will also be reduced. The new Maximum Annual Withdrawal Amount
will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal
Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit Year is
available for Withdrawal at the beginning of the next Benefit Year and may be lower than the
previous Benefit Year’s Maximum Annual Withdrawal Amount. When the Contract Value is less than the
Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the
amount of the Excess Withdrawal. In addition, no Income Credit will be added to the Income Base in
that Benefit Year.




Required Minimum Distributions



This provision applies only to the Contract to which this Endorsement is attached. If you are
taking Required Minimum Distributions and the Required Minimum Distribution amount, based only on
this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit Year, no
portion of the Required Minimum Distribution will be treated as an Excess Withdrawal provided you
enroll in the Company’s systematic withdrawal program for Required Minimum Distributions. However,
any portion of a Withdrawal in a Benefit Year that is more than the greater of both the Maximum
Annual Withdrawal Amount and the Required Minimum Distribution amount will be considered an Excess
Withdrawal for the purpose of the recalculation of the Income Credit Base, Income Base and Maximum
Annual Withdrawal Amount.




If Your Contract Value is Reduced to Zero



If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will
be payable under this Endorsement or the Contract, and Your Contract along with the Endorsement
will terminate. However, if You have taken Withdrawals up to the Maximum Annual Withdrawal Amount
and Your Contract Value is reduced to zero due to unfavorable




					
	 	 	 	 	 
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investment performance and/or fees,
if you live longer than expected, or any combination of these factors, and the Income
Base is greater than zero, We will pay the remaining Maximum Annual Withdrawal Amount for that
Benefit Year in the same frequency withdrawals had been taken, i.e. monthly or quarterly.
Thereafter, we will pay the Protected Income Payment over the remaining lifetime of the Covered
Person(s) which will be calculated by multiplying the Income Base by the Protected Income Payment
Percentage, as shown on the Endorsement Data Page.



Because the Contract Value has been reduced to zero, the Income Base will no longer be increased to
the Highest Anniversary Value nor will Income Credits be applied, if applicable. In addition, all
other benefits under the Contract, will be terminated and You may no longer make subsequent
Purchase Payments or transfers, and no Death Benefit is payable.



When the Contract Value equals zero and the Income Base is greater than zero, to receive any
remaining Living Benefit, you must select one of the following options:





	 	1.	 	The current Protected Income Payment, divided equally and paid on a monthly, quarterly,
semi-annual or annual frequency as selected by You until the date of Your death(s); or
	 
	 	2.	 	Any payment option mutually agreeable between You and Us.




Once You elect a payment option, it cannot be changed. If You do not select a payment option
above, the remaining benefit will be paid as an amount based on the Protected Income Payment
Percentage. This amount will be divided equally and paid on a quarterly basis until the date of
death of the Covered Person(s).




Latest Annuity Date



If the Contract Value and the Income Base are greater than zero on the Latest Annuity Date, You
must select one of the following options:





	 	1.	 	Annuitize the Contract Value under the Annuity Provisions of the Contract; or
	 
	 	2.	 	Elect to receive the current Protected Income Payment, as of the Latest Annuity Date,
divided equally and paid on a monthly, quarterly, semi-annual or annual frequency as
selected by You until the date of death of the Covered Person(s); or
	 
	 	3.	 	Any payment option mutually agreeable between You and Us.




If You do not select an option listed above, on the Latest Annuity Date, We may annuitize the
Contract Value in accordance with Annuity Provisions of the Contract, option 2 above or payments
that do not exceed Your life expectancy as required by the IRS.




Secure Value Account Allocation



The Secure Value Account Allocation as shown on the Endorsement Data Page, is required only while
the Endorsement is effective. Amounts allocated to the Secure Value Account are not subject to the
Separate Account Charge. We will not rebalance amounts allocated to the Secure Value Account in
accordance with the automatic asset rebalancing program. You may not transfer into or out of the
Secure Value Account. You may not request the entire amount of any Withdrawal to be deducted
solely from the Secure Value Account. Rather, any Withdrawal reduces the amount invested in the
Secure Value Account in the same proportion that the Withdrawal reduces the Contract Value.




Investment Requirements



In addition to the Secure Value Account Allocation while the Endorsement is effective, We require
that you allocate your Purchase Payment(s), Spousal Continuation Contribution, and Payment
Enhancements, if applicable, and Contract Value in accordance with established requirements stated
in the Prospectus. We require enrollment in a quarterly automatic asset rebalancing program that
complies with the investment requirements. In addition to quarterly asset rebalancing, We will
initiate rebalancing in accordance with your most current and compliant automatic asset rebalancing
instructions on file after any Withdrawal or transfer You initiate.




Termination of Withdrawals Over Two Lives



If there are two Covered Persons on the Endorsement Effective Date, Withdrawals guaranteed for the
life of one of the Covered Persons will terminate if:





	 	1.	 	One of the two Covered Persons is removed from the Endorsement due to any reason other
than death; or
	 
	 	2.	 	The Covered Persons are no longer married at the time of death of the first Covered
Person.





					
	 	 	 	 	 
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Termination of Withdrawals guaranteed for the life of one Covered Person does not impact any other
terms and conditions of this Endorsement, including the applicable Endorsement Fee, which is based
on the number of Covered Persons on this Endorsement Effective Date.



Cancellation of the Guaranteed Living Benefit



You cannot cancel this Endorsement in the first 5 Benefit Years unless You surrender Your Contract.
You may cancel this Endorsement as detailed below. The Guaranteed Living Benefit may not be
re-elected or reinstated after a cancellation.




Cancellation Effective Date



If Your cancellation request is received:





	 	1.	 	In the first 5 Benefit Years, the cancellation is effective on the 5th Benefit
Year Anniversary;
	 
	 	2.	 	In any Benefit Year after the 5th Benefit Year Anniversary, the cancellation
is effective on the Benefit Quarter Anniversary following Our receipt of the cancellation
request.




This Endorsement and the Endorsement Fee will cancel automatically upon the occurrence of one of
the following:





	 	1.	 	Death of the Covered Person, or if there were two Covered Persons, upon the death of
the surviving Covered Person; or
	 
	 	2.	 	A Death Benefit is paid resulting in the Contract being terminated; or
	 
	 	3.	 	The Contract is annuitized; or
	 
	 	4.	 	An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or
	 
	 	5.	 	Any change occurs that removes all Covered Persons from the Contract; or
	 
	 	6.	 	The Contract is cancelled or surrendered for any reason.




On the Cancellation Effective Date, amounts allocated to the Secure Value Account will be
automatically transferred to a 1-Year Fixed Account option, if available, or the Cash Management
Variable Portfolio. You may no longer allocate Purchase Payments to the Secure Value Account after
cancellation. From the day following the automated transfer, you may transfer this amount to
another available investment option under the Contract for a period of 90 days during which the
transfer will not count against the annual number of free transfers or incur a transfer fee.



If You cancel the Endorsement or surrender Your Contract while Your Contract Value is greater than
zero, We will assess a pro-rata charge for the Endorsement Fee applicable to the Benefit Quarter in
which the cancellation or surrender occurs if the Contract was cancelled or surrendered before the
end of a Benefit Quarter. The pro-rated charge is calculated by multiplying the fee by the number
of days between the date when the prior fee was last assessed and the date of cancellation or
surrender, divided by the number of days between the prior and the next Benefit Quarter
Anniversaries. Thereafter, You will no longer be charged a fee.




Death of Covered Person(s)



If there is one Covered Person and that person dies, this Endorsement and the Endorsement Fee will
be terminated.



If there are two Covered Persons, upon the first death, if the surviving Covered Person elects to
continue the Contract, this Endorsement is also continued. Upon the election of continuation, the
Endorsement Effective Date and applicable Endorsement Fee based on two Covered Persons will not
change.



Signed for the Company to be effective on the Endorsement Effective Date.




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




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