<PAGE>
        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

<TABLE>
<S>                               <C>
COVERED PERSON(S):                [John Doe
                                  Jane Doe]

ENDORSEMENT EFFECTIVE DATE:       [May 1, 2011]

ELIGIBLE PURCHASE PAYMENTS:       1.  100% of Purchase Payments received in the
                                      1st Contract Year; and
                                  2.  Purchase Payments received in Contract
                                      Year 2, capped at an amount equal to 100%
                                      of the Purchase Payments received in
                                      Contract Year 1.

GROSS PURCHASE PAYMENT LIMIT:     The sum of Purchase Payments cannot exceed
                                  $1,500,000 without prior Company approval

SECURE VALUE ACCOUNT ALLOCATION:  10% of every Purchase Payment(s), Spousal
                                  Beneficiary Contribution, and Payment
                                  Enhancements if applicable
</TABLE>

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:


<TABLE>
<CAPTION>
<S>                    <C>               <C>                <C>               <C>
 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%
</TABLE>

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

<TABLE>
<S>                                  <C>
GROSS INCOME CREDIT PERCENTAGE:      6%

INCOME CREDIT PERIOD:                Beginning on the Endorsement Effective Date
                                     and ending 12 years later
</TABLE>

MAXIMUM ANNUAL WITHDRAWAL AND PROTECTED INCOME PAYMENT PERCENTAGES:

<TABLE>
<CAPTION>
<S>                        <C>                <C>                 <C>                  <C>
                           MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE   PROTECTED INCOME PAYMENT PERCENTAGE
                           ------------------------------------   -----------------------------------
                            ONE COVERED           TWO COVERED       ONE COVERED        TWO COVERED
AGE AT FIRST WITHDRAWAL       PERSON                PERSONS           PERSON             PERSONS
-----------------------    -------------         --------------    ---------------    ---------------
Less than Age 65               4.0%                   3.5%              4.0%               3.5%

Age 65 and older               5.0%                   4.5%              5.0%               4.5%
</TABLE>

FSE-6248-VX-J3 (1/12)                  1

<PAGE>


                                  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 and Income Credit 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.

FSE-6248-VX-J3 (1/12)                  2

<PAGE>

INCOME CREDIT

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

NET INCOME CREDIT PERCENTAGE

A percentage calculated as the difference between the Gross Income Credit
Percentage as shown on the Endorsement Data Page, and the percentage calculated
as the sum of all Withdrawals taken during the preceding Benefit Year divided by
the Income Base before determining the Income Base for the next Benefit Year.

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, Net Income Credit Percentage, Income
Credit Period, 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

     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.

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<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 Excess
     Withdrawals were not taken during the previous Benefit Year, the Income
     Credit is determined by multiplying the Net Income Credit Percentage by the
     Income Credit Base. If any Excess Withdrawals were taken in the previous
     Benefit Year, then the Income Credit is reduced to zero for that Benefit
     Year.

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


FSE-6248-VX-J3 (1/12)                  4

<PAGE>

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 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 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

FSE-6248-VX-J3 (1/12)                  5

<PAGE>

     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.

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.


FSE-6248-VX-J3 (1/12)                  6

<PAGE>

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

[GRAPHIC]

FSE-6248-VX-J3 (1/12)                  7