Document:

<PAGE>

                     AIG SUNAMERICA LIFE ASSURANCE COMPANY
                 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 Withdrawals over the lifetime
of the Covered Person(s). You may take Withdrawals under the Guaranteed Living
Benefit as prescribed by this Endorsement herein while this Endorsement is in
effect.

                              ENDORSEMENT DATA PAGE

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

ENDORSEMENT EFFECTIVE DATE:                                [November 1, 2008]

[EXTENSION AVAILABILITY DATE:                              November 1, 2013]

                                                           -------------------------------------------------------------------
ELIGIBLE PURCHASE PAYMENTS:                                CONTRACT     PERCENTAGE     ELIGIBLE PURCHASE PAYMENT
                                                           YEAR(s)      OF PURCHASE
                                                                        PAYMENT
                                                                        INCLUDED
                                                           -------------------------------------------------------------------
                                                           [1]          [100%]         Eligible Purchase Payment Limit
                                                           -------------------------------------------------------------------
                                                           [2-5]        [100%]         In each Contract Year, [100%] of
                                                                                       Purchase Payments made in Contract Year
                                                                                       [1 (one)] not to exceed Eligible
                                                                                       Purchase Payment Limit
                                                           -------------------------------------------------------------------
                                                           [6+]         [0%]           In each Contract Year, [0%] of Purchase
                                                                                       Payments made in Contract Year [1
                                                                                       (one)] not to exceed Eligible Purchase
                                                                                       Payment Limit
                                                           -------------------------------------------------------------------

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

ENDORSEMENT FEE:                                           Annual fee of [1.10%] of the Income Base deducted [quarterly] from
                                                           Contract Value beginning [one] [quarter] following the Endorsement
                                                           Effective Date and ending on the termination of this Endorsement

INITIAL INCOME BASE EVALUATION PERIOD:                     Beginning on the Endorsement Effective Date and ending [5] years
                                                           later

GROSS INCOME CREDIT PERCENTAGE:                            [7%]

INITIAL INCOME CREDIT PERIOD:                              Beginning on the Endorsement Effective Date and ending [5] years
                                                           later

INCOME CREDIT AVAILABILITY:                                [At the end of each Benefit Year during the Income Credit Period]

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE:                      -------------------------------------------------------------------
                                                           AGE AT FIRST WITHDRAWAL                PERCENTAGE
                                                           -------------------------------------------------------------------
                                                           [Prior to Your 62nd Birthday]             [4%]
                                                           -------------------------------------------------------------------
                                                           [On or after Your 62nd Birthday]          [5%]
                                                           -------------------------------------------------------------------

 MINIMUM INCOME BASE:                                      [200%] of [Eligible Purchase Payments received in Contract Year 1]
                                                           [effective on the [10th] Benefit Year anniversary provided no
                                                           Withdrawals are taken before the [10th] Benefit Year anniversary].
</Table>

ASE-6231 (2/08)

                                        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.

ANNIVERSARY VALUE
The Contract Value including any applicable Payment Enhancement(s) or Spousal
Beneficiary continuation contribution minus any Ineligible Purchase Payments, as
measured on each Benefit Year anniversary.

BENEFIT YEAR
Each consecutive one year period starting on the Endorsement Effective 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 under this Endorsement.

ELIGIBLE PURCHASE PAYMENTS
[Gross] 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, [the Contract Value on the
Endorsement Effective Date is considered the initial Eligible Purchase Payment.]
The calculation of Eligible Purchase Payments does not include Payment
Enhancements, or Spousal Beneficiary continuation contributions, if any.

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

EXCESS WITHDRAWAL
A Withdrawal or the portion thereof that causes the total of all Withdrawals
taken in a Benefit Year to exceed the Maximum Annual Withdrawal Amount,
including but not limited to a Withdrawal taken in a Benefit Year after the
Maximum Annual Withdrawal Amount has been withdrawn.

INCOME BASE
A component used to determine the Endorsement Fee and the Maximum Annual
Withdrawal Amount.

INCOME BASE EVALUATION PERIOD
The period of time over which We consider Anniversary Values.

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 which may be added to the Income Base.

INCOME CREDIT BASE
A component which is used to determine the dollar 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
[Gross] Purchase Payments or portions thereof that are not included in the
calculations of the Income Base and the Income Credit Base.

MINIMUM INCOME BASE
The guaranteed minimum amount to which the Income Base [and the Income Credit
Base] could be increased on a specified Benefit Year anniversary provided no
Withdrawals are taken before that specified Benefit Year anniversary.

ASE-6231 (2/08)

                                        2

<PAGE>

MAXIMUM ANNUAL WITHDRAWAL AMOUNT
The maximum dollar amount available to be withdrawn each Benefit Year under the
Guaranteed Living Benefit without reducing the Income Base and the Income Credit
Base, or eliminating the entire Income Credit in a Benefit Year.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE
The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement.

NET INCOME CREDIT PERCENTAGE
A percentage calculated as the difference between the Gross Income Credit
Percentage as shown on the Endorsement Data Page, minus 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.

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:

ENDORSEMENT FEE
The Endorsement Fee percentage applicable to this Endorsement is as shown on the
Endorsement Data Page. If You surrender Your Contract and this Endorsement has
not been terminated, We will deduct a proportionate fee for the period of time
between the date when the last Endorsement Fee was deducted through the date of
surrender.

CALCULATION OF THE COMPONENTS OF THE GUARANTEED LIVING BENEFIT
To determine the Guaranteed Living Benefit, We use the following components:
Income Base, Income Base Evaluation Period, Income Credit Base, Income Credit,
Net Income Credit Percentage, Income Credit Period, Minimum Income Base, and
Maximum Annual Withdrawal Amount.

CALCULATION OF THE INCOME BASE
If the Guaranteed Living Benefit is elected on the Contract Date, the initial
Income Base is the initial Eligible Purchase Payment. If the Guaranteed Living
Benefit is elected after the Contract Date, the initial Income Base is [the
Contract Value on the Endorsement Effective Date, which is subject to the
Eligible Purchase Payment Limit shown on the Endorsement Data Page.] In each
subsequent Benefit Year, the Income Base equals the Income Base at the beginning
of that Benefit Year plus any subsequent Eligible Purchase Payments made during
that Benefit Year, less proportionate adjustments for Excess Withdrawals that
occurred during that Benefit Year. The Income Base is not used in the
calculation of Contract Value or any other benefits under the Contract.
On Benefit Year anniversaries during the Income Base Evaluation Period, We
determine if the Income Base should be increased based on the maximum
Anniversary Value or any available Income Credit. On each Benefit Year
anniversary occurring during an Income Base Evaluation period, the Income Base
is automatically increased to the Anniversary Value when the Anniversary Value
is greater than (a), (b), and (c), where:

         (a) is the cumulative Eligible Purchase Payments;

         (b) is the current Income Base, increased by the Income Credit, if any;
             and

         (c) is all previous Anniversary Values during any Income Base
             Evaluation Period.

CALCULATION OF THE INCOME CREDIT BASE
The Income Credit Base is used to calculate the amount of the Income Credit
during the Income Credit Period. If the Guaranteed Living Benefit is elected on
the Contract Date, the initial Income Credit Base is the initial Eligible
Purchase Payment. If the Guaranteed Living Benefit is elected after the Contract
Date, the initial Income Credit Base is [the Contract Value on the Endorsement
Effective Date, which is subject to the Eligible Purchase Payment Limit shown on
the Endorsement Data Page.] The Income Credit Base is not used in the
calculation of the Contract Value or any other benefits under the Contract.

ASE-6231 (2/08)

                                        3

<PAGE>

         INCREASES IN THE INCOME CREDIT BASE
         The Income Credit Base increases each time subsequent Eligible Purchase
         Payments are made. The Income Credit Base also increases when the
         Income Base is increased as a result of a maximum Anniversary Value
         that is greater than both the current Income Base and all previous
         Anniversary Values.

         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 Excess Withdrawal.

CALCULATION OF THE INCOME CREDIT
On each Benefit Year anniversary during the Income Credit Period, the Income
Credit is determined by multiplying the Net Income Credit Percentage by the
Income Credit Base. If [any Excess Withdrawals are taken in the previous Benefit
Year] then the Income Credit is reduced to zero [for that Benefit Year].

On each Benefit Year anniversary during the Income Credit Period, We determine
the amount to which the Income Credit Base and/or the Income Base could
increase. The components used to determine this amount are:

         (a) the Income Base calculated based on the maximum Anniversary Value;
             and

         (b) the Income Base plus the Income Credit.

If (a) is greater than (b), the Income Credit Base and the Income Base are
increased to the current Anniversary Value. If (b) is greater than (a), the
Income Base is increased by the Income Credit and the Income Credit Base remains
unchanged.

CALCULATION OF THE MINIMUM INCOME BASE
If the Guaranteed Living Benefit is elected on the Contract Date, the Minimum
Income Base is as shown on the Endorsement Data Page. If the Guaranteed Living
Benefit is elected after the Contract Date, the Minimum Income Base is [200% of]
[the Contract Value on the Endorsement Effective Date,] which is subject to the
Eligible Purchase Payment Limit shown on the Endorsement Data Page.

The Income Base, and if applicable, the Income Credit Base, will be increased to
at least the Minimum Income Base on the [10th 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 [10th Benefit Year
anniversary] is the greatest of (a), (b) and (c), where:

         (a) is the current Income Base calculated based on the maximum
             Anniversary Value; and

         (b) is the current Income Base plus the Income Credit; and

         (c) is the Minimum Income Base.

If (a) is greater than (b) and (c), the Income Credit Base and the Income Base
is increased to the current Anniversary Value. If (b) is greater than (a) and
(c), the Income Base is increased by the Income Credit and the Income Credit
Base is increased to the Minimum Income Base. If (c) is greater than (a) and
(b), the Income Credit Base and the Income Base are increased to the Minimum
Income Base.

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.

You may withdraw up to the Maximum Annual Withdrawal Amount throughout each
Benefit Year without reducing the Maximum Annual Withdrawal Amount, the Income
Base, and the Income Credit Base. However, any Income Credit calculated on the
Benefit Year anniversary will be reduced for Withdrawals taken during that
Benefit Year. Any Excess Withdrawal will reduce the Income Credit to zero. If
You do not withdraw the entire Maximum Annual Withdrawal Amount in a Benefit
Year, You may not carry over any unused Maximum Annual Withdrawal Amount to any
subsequent Benefit Year. In addition, Your Maximum Annual Withdrawal Amount for
the next Benefit Year will not be recalculated as a result of taking Withdrawals
less than the entire Maximum Annual Withdrawal Amount in any given Benefit Year.

Withdrawals made under the Guaranteed 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 under this Endorsement are free of Withdrawal Charges.

ASE-6231 (2/08)

                                        4

<PAGE>

INCREASES AND DECREASES IN THE INCOME BASE IMPACT YOUR MAXIMUM ANNUAL WITHDRAWAL
AMOUNT AS FOLLOWS:

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 maximum Anniversary Value being achieved at any Benefit Year
anniversary during the Income Base Evaluation Period. In addition, the Income
Base can also be increased to the Minimum Income Base on the [10th Benefit Year
anniversary], provided no Withdrawals are taken before the [10th Benefit Year
anniversary]. If the Income Base increases, the Maximum Annual Withdrawal Amount
will be recalculated by multiplying the increased Income Base by the applicable
Maximum Annual Withdrawal Percentage. In any Benefit Year where Eligible
Purchase Payments are allocated to Your Contract, any remaining Withdrawals of
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
by multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage. The Endorsement Fee on and after that Benefit Year
anniversary is 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 Your previously calculated Maximum Annual
Withdrawal Amount and the Endorsement fee on and after that Benefit Year
anniversary will be assessed on the decreased Income Base. When the Contract
Value is less than or equal to the Income Base, Excess Withdrawals will result
in a reduction of the Income Base by an amount which is greater than the amount
of the Excess Withdrawal.

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 is greater than the Maximum Annual Withdrawal Amount
in any given Benefit Year, the Required Minimum Distributions amount will not be
treated as an Excess Withdrawal. However, any Withdrawal amount including the
Required Minimum Distribution amount 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 purposes of
the recalculation of the Income Credit Base, Income Base and Maximum Annual
Withdrawal Amount. Furthermore, the Income Credit will be reduced to zero if
total Withdrawals taken in any Benefit Year, [including Required Minimum
Distributions], are in excess of the Maximum Annual Withdrawal Amount.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO
If Your Contract Value is reduced to zero and the Income Base is greater than
zero, a benefit remains payable under this Endorsement, but all other benefits
under the Contract, including Death Benefits, will no longer be available.
However, 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.

When the Contract Value equals zero and the Income Base is greater than zero,
any remaining benefit under this Endorsement must be taken through one of the
following income options:

     1.  The current Maximum Annual Withdrawal Amount, divided equally and paid
         on a quarterly, semi-annual or annual frequency as selected by You
         until the date of Your death(s); or

     2.  Any income option mutually agreeable between You and Us.

Once You elect an income option, it cannot be changed.

If You do not select an income option, the remaining benefit will be paid as the
current Maximum Annual Withdrawal Amount on a quarterly basis until the date of
Your death(s).

EXTENSION OF THE INCOME BASE EVALUATION PERIOD AND THE INCOME CREDIT PERIOD
("EXTENSION") At the end of the Initial Income Base Evaluation Period [and the
Initial Income Credit Period,] You may elect to extend [both] the Income Base
Evaluation Period [and the Income Credit Period] [for [another [5] years]
[provided You are age [85] or younger at that time.] If You do not elect
Extension at the end of the Initial Income Base Evaluation Period [and the
Initial Income Credit Period,] future Extensions will not be available for
election.

ASE-6231 (2/08)

                                        5

<PAGE>

At the end of the first Extension, if applicable, You may elect to extend [both]
the Income Base Evaluation Period [and the Income Credit Period] [for [another
[5] years] [provided You are age [85] or younger at that time].

At the end of the [second] Extension, if applicable, and thereafter, You may
elect to extend [only the Income Base Evaluation Period] [for [5] years at a
time,] [provided You are age [85] or younger at that time.]

Before the end of the initial Income Base Evaluation Period, the initial Income
Credit Period, and the end of any elected extension, We will notify You of
options available to You including the terms associated with election of the
Extension. If You choose to elect the Extension, You must notify Our Annuity
Service Center before the end of the Income Credit Period and/or Income Base
Evaluation Period. We will send You an updated Endorsement Data Page confirming
the new terms of the Extension. All other terms and conditions of this
Endorsement remain unchanged.

LATEST ANNUITY DATE
If there is remaining Contract Value and the Income Base is greater than zero on
the Latest Annuity Date, You must select one of the options listed below.

     1.  Annuitize the Contract Value under the Annuity Provisions of the
         Contract; or

     2.  Elect to receive the current Maximum Annual Withdrawal Amount as of the
         Latest Annuity Date in the form of an income option, divided equally
         and paid on a quarterly, semi-annual or annual frequency as selected by
         You until the date of Your death; or

     3.  Any income option mutually agreeable between You and Us.

If You do not select an option listed above, on the Latest Annuity Date We will
annuitize the Contract Value under the Annuity Provisions of the Contract,
Options 3 and 3V with 120 Monthly Payments Guaranteed or payments that do not
exceed Your life expectancy as required by the IRS.

INVESTMENT REQUIREMENTS
We restrict allocations to certain investment options. Your transfer
instructions and allocation instructions accompanying any Purchase Payment must
comply with the investment requirements. Established restrictions are shown in
the product prospectus. We require enrollment in a quarterly automatic asset
rebalancing program that complies with the investment requirements. In addition
to quarterly rebalancing, We will initiate rebalancing in accordance with Your
automatic asset rebalancing instructions after any Withdrawal, transfer or
allocation You initiate.

TERMINATION OF WITHDRAWALS OVER TWO LIVES
If there are two Covered Persons, 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
         an ownership change; 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.

TERMINATION OF THE GUARANTEED LIVING BENEFIT
This Endorsement [may] be terminated as detailed below, and the corresponding
Endorsement Fee will continue to be deducted up to and including the Termination
Effective Date but will end after the Termination Effective Date.

TERMINATION EFFECTIVE DATE
If Your termination request is received:

     1.  In the first [5] Benefit Years, the termination is effective on the
         [5th] [Benefit Year anniversary;]

     2.  In Benefit Years [6] through [10], the termination is effective on the
         [10th] Benefit Year anniversary;]

     3.  In any Benefit Year after the [10th Benefit Year anniversary,] the
         termination is effective on the Benefit Year anniversary following Our
         receipt of the election to terminate this Endorsement.

This Endorsement and the Endorsement Fee will terminate automatically if:

     1.  The Covered Person dies, or if there were two Covered Persons, upon the
         death of the surviving Covered Person; or

     2.  A Death Benefit is paid and the Contract is terminated; or

     3.  The Contract is annuitized; or

     4.  Excess Withdrawals reduce the Contract Value to zero; or

     5.  Any change occurs that removes all Covered Persons; or

     6.  The Contract is terminated for any reason.

The Guaranteed Living Benefit may not be re-elected or reinstated following a
termination.

ASE-6231 (2/08)

                                        6

<PAGE>
DEATH OF COVERED PERSON(s)
If there is one Covered Person, then upon the death of the Covered Person, 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 will not change.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ CHRISTINE A. NIXON                    /s/ JANA W. GREER
--------------------------------------    --------------------------------------
    Christine A. Nixon                        Jana W. Greer
        Secretary                               President

ASE-6231 (2/08)

                                        7<PAGE>
                     FIRST SUNAMERICA LIFE INSURANCE COMPANY
                 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 Withdrawals over the lifetime
of the Covered Person(s). You may take Withdrawals under the Guaranteed Living
Benefit as prescribed by this Endorsement herein while this Endorsement is in
effect.

                              ENDORSEMENT DATA PAGE

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

ENDORSEMENT EFFECTIVE DATE:                 [March 1, 2008]

[EXTENSION AVAILABILITY DATE:               March 1, 2013]

                                            -----------------------------------------------------------------
ELIGIBLE PURCHASE PAYMENTS:                            PERCENTAGE
                                                       OF PURCHASE
                                            CONTRACT   PAYMENT
                                            YEAR(s)    INCLUDED     ELIGIBLE PURCHASE PAYMENT
                                            -----------------------------------------------------------------
                                            1          [100%]       Eligible Purchase Payment Limit
                                            -----------------------------------------------------------------
                                            2-5        [100%]       In each Contract Year, 100% of Purchase
                                                                    Payments made in Contract Year 1 (one)
                                                                    not to exceed Eligible Purchase Payment
                                                                    Limit
                                            -----------------------------------------------------------------
                                            6+         [0%]         In each Contract Year, 0% of Purchase
                                                                    Payments made in Contract Year 1 (one)
                                                                    not to exceed Eligible Purchase Payment
                                                                    Limit
                                            -----------------------------------------------------------------

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

ENDORSEMENT FEE:                            Annual fee of [1.10%] of the Income Base deducted quarterly from
                                            Contract Value allocated to the Variable Portfolio(s) or
                                            Subaccount(s) beginning one quarter following the Endorsement
                                            Effective Date and ending on the termination of this Endorsement

INITIAL INCOME BASE EVALUATION PERIOD:      Beginning on the Endorsement Effective Date and ending 5 years later

GROSS INCOME CREDIT PERCENTAGE:             7%

INITIAL INCOME CREDIT PERIOD:               Beginning on the Endorsement Effective Date and ending 5 years later

INCOME CREDIT AVAILABILITY:                 At the end of each Benefit Year during the Income Credit Period

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE:

                                            -----------------------------------------------------------------
                                            AGE AT FIRST WITHDRAWAL                              PERCENTAGE
                                            Prior to Your 62nd Birthday                               4%
                                            On or after Your 62nd Birthday                            5%
                                            -----------------------------------------------------------------

MINIMUM INCOME BASE:                        200% of Eligible Purchase Payments received in Contract Year 1
                                            effective on the 10th Benefit Year anniversary provided no
                                            Withdrawals are taken before the 10th Benefit Year anniversary.
</TABLE>

FSE-6231-V1 (2/08)

                                       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.

ANNIVERSARY VALUE
The Contract Value including any applicable Payment Enhancement(s) or Spousal
Beneficiary continuation contribution minus any Ineligible Purchase Payments, as
measured on each Benefit Year anniversary.

BENEFIT YEAR
Each consecutive one year period starting on the Endorsement Effective 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 under this Endorsement.

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, the Contract Value on the Endorsement
Effective Date is considered the initial Eligible Purchase Payment. The
calculation of Eligible Purchase Payments does not include Payment Enhancements,
or Spousal Beneficiary continuation contributions, if any.

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

EXCESS WITHDRAWAL
A Withdrawal or the portion thereof that causes the total of all Withdrawals
taken in a Benefit Year to exceed the Maximum Annual Withdrawal Amount,
including but not limited to a Withdrawal taken in a Benefit Year after the
Maximum Annual Withdrawal Amount has been withdrawn.

INCOME BASE
A component used to determine the Endorsement Fee and the Maximum Annual
Withdrawal Amount.

INCOME BASE EVALUATION PERIOD
The period of time over which We consider Anniversary Values.

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 which may be added to the Income Base.

INCOME CREDIT BASE
A component which is used to determine the dollar 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.

MINIMUM INCOME BASE
The guaranteed minimum amount to which the Income Base and the Income Credit
Base could be increased on a specified Benefit Year anniversary provided no
Withdrawals are taken before that specified Benefit Year anniversary.

FSE-6231-V1 (2/08)

                                       2
<PAGE>

MAXIMUM ANNUAL WITHDRAWAL AMOUNT
The maximum dollar amount available to be withdrawn each Benefit Year under the
Guaranteed Living Benefit without reducing the Income Base and the Income Credit
Base, or eliminating the entire Income Credit in a Benefit Year.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE
The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement.

NET INCOME CREDIT PERCENTAGE
A percentage calculated as the difference between the Gross Income Credit
Percentage as shown on the Endorsement Data Page, minus 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.

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:

ENDORSEMENT FEE
The Endorsement Fee percentage applicable to this Endorsement is as shown on the
Endorsement Data Page. If You surrender Your Contract and this Endorsement has
not been terminated, We will deduct a proportionate fee for the period of time
between the date when the last Endorsement Fee was deducted through the date of
surrender.

CALCULATION OF THE COMPONENTS OF THE GUARANTEED LIVING BENEFIT
To determine the Guaranteed Living Benefit, We use the following components:
Income Base, Income Base Evaluation Period, Income Credit Base, Income Credit,
Net Income Credit Percentage, Income Credit Period, Minimum Income Base, and
Maximum Annual Withdrawal Amount.

CALCULATION OF THE INCOME BASE
If the Guaranteed Living Benefit is elected on the Contract Date, the initial
Income Base is the initial Eligible Purchase Payment. If the Guaranteed Living
Benefit is elected after the Contract Date, the initial Income Base is the
Contract Value on the Endorsement Effective Date, which is subject to the
Eligible Purchase Payment Limit shown on the Endorsement Data Page. In each
subsequent Benefit Year, the Income Base equals the Income Base at the beginning
of that Benefit Year plus any subsequent Eligible Purchase Payments made during
that Benefit Year, less proportionate adjustments for Excess Withdrawals that
occurred during that Benefit Year. The Income Base is not used in the
calculation of Contract Value or any other benefits under the Contract.

On Benefit Year anniversaries during the Income Base Evaluation Period, We
determine if the Income Base should be increased based on the maximum
Anniversary Value or any available Income Credit. On each Benefit Year
anniversary occurring during an Income Base Evaluation period, the Income Base
is automatically increased to the Anniversary Value when the Anniversary Value
is greater than (a), (b), and (c), where:

        (a) is the cumulative Eligible Purchase Payments;
        (b) is the current Income Base, increased by the Income Credit, if any;
            and
        (c) is all previous Anniversary Values during any Income Base Evaluation
            Period.

CALCULATION OF THE INCOME CREDIT BASE
The Income Credit Base is used to calculate the amount of the Income Credit
during the Income Credit Period. If the Guaranteed Living Benefit is elected on
the Contract Date, the initial Income Credit Base is the initial Eligible
Purchase Payment. If the Guaranteed Living Benefit is elected after the Contract
Date, the initial Income Credit Base is the Contract Value on the Endorsement
Effective Date, which is subject to the Eligible Purchase Payment Limit shown on
the Endorsement Data Page. The Income Credit Base is not used in the calculation
of the Contract Value or any other benefits under the Contract.

FSE-6231-V1 (2/08)

                                       3
<PAGE>

         INCREASES IN THE INCOME CREDIT BASE
         The Income Credit Base increases each time subsequent Eligible Purchase
         Payments are made. The Income Credit Base also increases when the
         Income Base is increased as a result of a maximum Anniversary Value
         that is greater than both the current Income Base and all previous
         Anniversary Values.

         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 Excess Withdrawal.

CALCULATION OF THE INCOME CREDIT
On each Benefit Year anniversary during the Income Credit Period, the Income
Credit is determined by multiplying the Net Income Credit Percentage by the
Income Credit Base. If any Excess Withdrawals are taken in the previous Benefit
Year then the Income Credit is reduced to zero for that Benefit Year.

On each Benefit Year anniversary during the Income Credit Period, We determine
the amount to which the Income Credit Base and/or the Income Base could
increase. The components used to determine this amount are:

        (a) the Income Base calculated based on the maximum Anniversary Value;
            and
        (b) the Income Base plus the Income Credit.

If (a) is greater than (b), the Income Credit Base and the Income Base are
increased to the current Anniversary Value. If (b) is greater than (a), the
Income Base is increased by the Income Credit and the Income Credit Base remains
unchanged.

CALCULATION OF THE MINIMUM INCOME BASE
If the Guaranteed Living Benefit is elected on the Contract Date, the Minimum
Income Base is as shown on the Endorsement Data Page. If the Guaranteed Living
Benefit is elected after the Contract Date, the Minimum Income Base is 200% of
the Contract Value on the Endorsement Effective Date, which is subject to the
Eligible Purchase Payment Limit shown on the Endorsement Data Page.

The Income Base, and if applicable, the Income Credit Base, will be increased to
at least the Minimum Income Base on the 10th 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 10th Benefit Year anniversary is the
greatest of (a), (b) and (c), where:

        (a) is the current Income Base calculated based on the maximum
            Anniversary Value; and

        (b) is the current Income Base plus the Income Credit; and

        (c) is the Minimum Income Base.

If (a) is greater than (b) and (c), the Income Credit Base and the Income Base
is increased to the current Anniversary Value. If (b) is greater than (a) and
(c), the Income Base is increased by the Income Credit and the Income Credit
Base is increased to the Minimum Income Base. If (c) is greater than (a) and
(b), the Income Credit Base and the Income Base are increased to the Minimum
Income Base.

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.

You may withdraw up to the Maximum Annual Withdrawal Amount throughout each
Benefit Year without reducing the Maximum Annual Withdrawal Amount, the Income
Base, and the Income Credit Base. However, any Income Credit calculated on the
Benefit Year anniversary will be reduced for Withdrawals taken during that
Benefit Year. Any Excess Withdrawal will reduce the Income Credit to zero. If
You do not withdraw the entire Maximum Annual Withdrawal Amount in a Benefit
Year, You may not carry over any unused Maximum Annual Withdrawal Amount to any
subsequent Benefit Year. In addition, Your Maximum Annual Withdrawal Amount for
the next Benefit Year will not be recalculated as a result of taking Withdrawals
less than the entire Maximum Annual Withdrawal Amount in any given Benefit Year.

Withdrawals made under the Guaranteed 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 under this Endorsement are free of Withdrawal Charges.

FSE-6231-V1 (2/08)

                                       4
<PAGE>

INCREASES AND DECREASES IN THE INCOME BASE IMPACT YOUR MAXIMUM ANNUAL WITHDRAWAL
AMOUNT AS FOLLOWS:

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 maximum Anniversary Value being achieved at any Benefit Year
anniversary during the Income Base Evaluation Period. In addition, the Income
Base can also be increased to the Minimum Income Base on the 10th Benefit Year
anniversary, provided no Withdrawals are taken before the 10th Benefit Year
anniversary. If the Income Base increases, the Maximum Annual Withdrawal Amount
will be recalculated by multiplying the increased Income Base by the applicable
Maximum Annual Withdrawal Percentage. In any Benefit Year where Eligible
Purchase Payments are allocated to Your Contract, any remaining Withdrawals of
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
by multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage. The Endorsement Fee on and after that Benefit Year
anniversary is 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 Your previously calculated Maximum Annual
Withdrawal Amount and the Endorsement fee on and after that Benefit Year
anniversary will be assessed on the decreased Income Base. When the Contract
Value is less than or equal to the Income Base, Excess Withdrawals will result
in a reduction of the Income Base by an amount which is greater than the amount
of the Excess Withdrawal.

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 is greater than the Maximum Annual Withdrawal Amount
in any given Benefit Year, the Required Minimum Distributions amount will not be
treated as an Excess Withdrawal. However, any Withdrawal amount including the
Required Minimum Distribution amount 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 purposes of
the recalculation of the Income Credit Base, Income Base and Maximum Annual
Withdrawal Amount. Furthermore, the Income Credit will be reduced to zero if
total Withdrawals taken in any Benefit Year, including Required Minimum
Distributions, are in excess of the Maximum Annual Withdrawal Amount.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO
If Your Contract Value is reduced to zero and the Income Base is greater than
zero, a benefit remains payable under this Endorsement, but all other benefits
under the Contract, including Death Benefits, will no longer be available.
However, 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.

When the Contract Value equals zero and the Income Base is greater than zero,
any remaining benefit under this Endorsement must be taken through one of the
following income options:

        1.  The current Maximum Annual Withdrawal Amount, divided equally and
            paid on a quarterly, semi-annual or annual frequency as selected by
            You until the date of Your death(s); or

        2.  Any income option mutually agreeable between You and Us.

Once You elect an income option, it cannot be changed.

If You do not select an income option, the remaining benefit will be paid as the
current Maximum Annual Withdrawal Amount on a quarterly basis until the date of
Your death(s).

EXTENSION OF THE INCOME BASE EVALUATION PERIOD AND THE INCOME CREDIT PERIOD
("EXTENSION")
At the end of the Initial Income Base Evaluation Period and the Initial Income
Credit Period, You may elect to extend both the Income Base Evaluation Period
and the Income Credit Period for another 5 years provided You are age 85 or
younger at that time. If You do not elect Extension at the end of the Initial
Income Base Evaluation Period and the Initial Income Credit Period, future
Extensions will not be available for election.

FSE-6231-V1 (2/08)

                                       5
<PAGE>

At the end of the first Extension, if applicable, You may elect to extend both
the Income Base Evaluation Period and the Income Credit Period for another 5
years provided You are age 85 or younger at that time.

At the end of the second Extension, if applicable, and thereafter, You may elect
to extend only the Income Base Evaluation Period for 5 years at a time, provided
You are age 85 or younger at that time.

Before the end of the initial Income Base Evaluation Period, the initial Income
Credit Period, and the end of any elected extension, We will notify You of
options available to You including the terms associated with election of the
Extension. If You choose to elect the Extension, You must notify Our Annuity
Service Center before the end of the Income Credit Period and/or Income Base
Evaluation Period. We will send You an updated Endorsement Data Page confirming
the new terms of the Extension. All other terms and conditions of this
Endorsement remain unchanged.

LATEST ANNUITY DATE
If there is remaining Contract Value and the Income Base is greater than zero on
the Latest Annuity Date, You must select one of the options listed below.

        1.  Annuitize the Contract Value under the Annuity Provisions of the
            Contract; or

        2.  Elect to receive the current Maximum Annual Withdrawal Amount as of
            the Latest Annuity Date in the form of an income option, divided
            equally and paid on a quarterly, semi-annual or annual frequency as
            selected by You until the date of Your death; or

        3.  Any income option mutually agreeable between You and Us.

If You do not select an option listed above, on the Latest Annuity Date We will
annuitize the Contract Value under the Annuity Provisions of the Contract,
Options 3 and 3V with 120 Monthly Payments Guaranteed or payments that do not
exceed Your life expectancy as required by the IRS.

INVESTMENT REQUIREMENTS
We restrict allocations to certain investment options. Your transfer
instructions and allocation instructions accompanying any Purchase Payment must
comply with the investment requirements. Established restrictions are shown in
the product prospectus. We require enrollment in a quarterly automatic asset
rebalancing program that complies with the investment requirements. In addition
to quarterly rebalancing, We will initiate rebalancing in accordance with Your
automatic asset rebalancing instructions after any Withdrawal, transfer or
allocation You initiate.

TERMINATION OF WITHDRAWALS OVER TWO LIVES
If there are two Covered Persons, 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 an ownership change; 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.

TERMINATION OF THE GUARANTEED LIVING BENEFIT
This Endorsement may be terminated as detailed below, and the corresponding
Endorsement Fee will continue to be deducted up to and including the Termination
Effective Date but will end after the Termination Effective Date.

TERMINATION EFFECTIVE DATE
If Your termination request is received:

        1.  In the first 5 Benefit Years, the termination is effective on the
            5th Benefit Year anniversary;

        2.  In Benefit Years 6 through 10, the termination is effective on the
            10th Benefit Year anniversary;

        3.  In any Benefit Year after the 10th Benefit Year anniversary, the
            termination is effective on the Benefit Year anniversary following
            Our receipt of the election to terminate this Endorsement.

This Endorsement and the Endorsement Fee will terminate automatically if:

        1.  The Covered Person dies, or if there were two Covered Persons, upon
            the death of the surviving Covered Person; or

        2.  A Death Benefit is paid and the Contract is terminated; or

        3.  The Contract is annuitized; or

        4.  Excess Withdrawals reduce the Contract Value to zero; or

        5.  Any change occurs that removes all Covered Persons; or

        6.  The Contract is terminated for any reason.

FSE-6231-V1 (2/08)

                                       6
<PAGE>

The Guaranteed Living Benefit may not be re-elected or reinstated following a
termination.

DEATH OF COVERED PERSON(s)
If there is one Covered Person, then upon the death of the Covered Person, 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 will not change.

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

FIRST SUNAMERICA LIFE INSURANCE COMPANY

           /s/ JAY S. WINTROB
---------------------------------------
             Jay S. Wintrob
               President

FSE-6231-V1 (2/08)

                                       7

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00141-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00141-of-00352.parquet"}]]