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EXHIBIT
(4)(d)




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




RETURN OF PURCHASE PAYMENT

OPTIONAL DEATH BENEFIT ENDORSEMENT




This Endorsement is 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 within this Endorsement that are not defined in this Endorsement are defined or
otherwise described in the Contract to which this Endorsement is attached, including any
endorsements or other riders attached to such Contract.



This Endorsement replaces the “AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION”
provisions under the “DEATH PROVISIONS” section in the Contract.




TABLE OF CONTENTS




	 	 	 

	Definitions

	 	Page 1
	[Endorsement Data Page

	 	Page 1]
	Amount of Death Benefit

	 	Page 2
	Spousal Beneficiary Continuation

	 	Page 2
	Cancellation of the Return of Purchase Payment Optional Death Benefit Endorsement

	 	Page 2





DEFINITIONS


For the purposes of this Endorsement, the following Definition applies:




NET PURCHASE PAYMENT(S)



Net Purchase Payment(s) are the sum of all Purchase Payment(s), reduced for each Withdrawal in the
same
proportion that the Contract Value is reduced by each such Withdrawal.




[ENDORSEMENT DATA PAGE




	 	 	 

	RETURN OF PURCHASE PAYMENT OPTIONAL 

DEATH BENEFIT CHARGE:

	 	You will be charged an Annual fee of
[0.15%] 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.






For Inquiries Call: [1-800-445-7862]]







	 	 	 

	USLE-8027 (5/14)


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AMOUNT OF DEATH BENEFIT



Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receiving all Required
Documentation.



We will calculate the Death Benefit as the greater of:





	 	1.	 	The Contract Value on the Business Day during which We receive all Required Documentation;
or
	 
	 	2.	 	Net Purchase Payment(s) received prior to Your [86th] birthday.





SPOUSAL BENEFICIARY CONTINUATION



If the Spousal Beneficiary (“Continuing Spouse”) continues the Contract on the Continuation Date,
We will contribute to the Contract any amount by which the Death Benefit exceeds the Contract
Value, calculated on the Business Day during which We receive all Required Documentation of the
Owner’s death.



If the Spousal Beneficiary was Age [75 or younger] on the Continuation Date, We will calculate the
Death Benefit as the greater of:





	 	1.	 	The Contract Value on the Business Day during which We receive all Required Documentation;
or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s) received
since the Continuation Date and prior to the Spousal Beneficiary’s
[86th] birthday, reduced proportionately by any Withdrawals after
the Continuation Date





If the Spousal Beneficiary was Age [76] or older on the Continuation, the amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required
Documentation and the Return of Purchase Payment Optional Death Benefit Charge will no longer be
deducted as of the Continuation Date.



Cancellation of the Return of Purchase Payment Optional Death Benefit Endorsement




You cannot cancel this Endorsement.




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



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









	 	 	 

	USLE-8027 (5/14)



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