Document:

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                                                                  Exhibit (4)(d)

                     FIRST SUNAMERICA LIFE INSURANCE COMPANY
                 OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT

Notwithstanding any provision in the 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>
<S>                                              <C>
COVERED PERSON:                                  [John Doe]

ENDORSEMENT EFFECTIVE DATE:                      [February 1, 2009]

EXTENSION AVAILABILITY DATE:                     [February 1, 2014]

ELIGIBLE PURCHASE PAYMENTS:                                           PERCENTAGE OF
                                                                    PURCHASE PAYMENT
                                                 CONTRACT 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 [0.95%] 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

INCOME CREDIT PERCENTAGE:                        6%

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

INCOME CREDIT AVAILABILITY:                      At each Benefit Year anniversary during the Income Credit Period
                                                 if Withdrawals were not made during the previous Benefit Year.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP"):

                                                 AGE AT FIRST WITHDRAWAL                MAWP
                                                 -----------------------                ----
                                                 Less than Age 65                        4%
                                                 At least Age 65 but less than Age 76    5%
                                                 Age 76 and over                         6%

MINIMUM INCOME BASE                              200% of Eligible Purchase Payments received in Contract Year 1
                                                 effective on the 12th Benefit Year anniversary provided no
                                                 Withdrawals are taken before the 12th Benefit Year anniversary.
</TABLE>

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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.

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 YEAR

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

CONTRACT ANNIVERSARY

Each twelve month period starting from the Endorsement Effective Date.

CONTRACT ANNIVERSARY DATE

The date on which each Contract Year begins.

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.

HIGHEST VALUE

The highest Contract Anniversary Value during any Income Base Evaluation Period.

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 Highest Values.

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 component which is used to determine the dollar amount of any Income Credit
during the Income Credit Period.

FSE-6242-V (2/09)

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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 dollar amount available to be withdrawn each Benefit Year under the
Guaranteed Living Benefit without reducing the Income Base and the Income Credit
Base.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")

The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement while the Covered
Person(s) is living.

MINIMUM INCOME BASE

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

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,
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
occur during that Benefit Year. The Income Base is not used in the calculation
of Contract Value or any other benefits under the Contract.

On each Benefit Year anniversary occurring during an Income Base Evaluation
Period, the Income Base is automatically increased to the Highest Value when
this Highest Value is greater than (a), (b), and (c), where:

     (a)  is the cumulative Eligible Purchase Payments; and

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

     (c)  is all previous Highest 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.

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     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 Highest Value that is greater than both
     the current Income Base and all previous Highest 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, if Withdrawals
were not made during the previous Benefit Year, the Income Credit is determined
by multiplying the Income Credit Percentage by the Income Credit Base. If
Withdrawals were made 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 Highest Value; and

     (b)  the Income Base plus the Income Credit, if any.

If (a) is greater than or equal to (b), the Income Credit Base and the Income
Base are increased to the Highest 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 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) and (b), where:

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

     (b)  is 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 Withdrawal will reduce the Income
Credit to zero for that Benefit Year. 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.

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 Highest Value being achieved resulting in the Income Base being
stepped up 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 12th Benefit Year anniversary, provided no Withdrawals are taken
before the 12th Benefit Year anniversary. If the Income Base increases,

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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 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 Your previously calculated Maximum Annual
Withdrawal Amount and the Endorsement Fee 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 the Income Base will
no longer be increased on Benefit Year anniversaries, and 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.

At the end of the first 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.

If You have continuously elected Extensions (no more than one Extension for the
Income Credit Period), and You are at least Age 86 but less than Age 90, You may
elect a subsequent Extension with the final evaluation occurring prior to Your
91st birthday. As a result, Your final Extension will be for a period of less
than 5 years.

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

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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.

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.

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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-6242-V (2/09)

                                        7<PAGE>

                                                                  Exhibit (4)(e)

                     FIRST SUNAMERICA LIFE INSURANCE COMPANY
                 OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT

Notwithstanding any provision in the 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>
<S>                                              <C>
COVERED PERSON:                                  [John Doe]

ENDORSEMENT EFFECTIVE DATE:                      [November 1, 2008]

EXTENSION AVAILABILITY DATE:                     [November 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 [0.70%] 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

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP"):

                                                 AGE AT FIRST WITHDRAWAL                MAWP
                                                 -----------------------                ----
                                                 Less than Age 65                        4%
                                                 At least Age  65 but less than Age 76   5%
                                                 Age 76 and over                         6%
</TABLE>

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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.

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 YEAR

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

CONTRACT ANNIVERSARY

Each twelve month period starting from the Endorsement Effective Date.

CONTRACT ANNIVERSARY DATE

The date on which each Contract Year begins.

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.

HIGHEST VALUE

The highest Contract Anniversary Value during any Income Base Evaluation Period.

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 Highest Values.

INELIGIBLE PURCHASE PAYMENTS

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

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.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")

The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement while the Covered
Person(s) is living.

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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, 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
occur during that Benefit Year. The Income Base is not used in the calculation
of Contract Value or any other benefits under the Contract.

On each Benefit Year anniversary occurring during an Income Base Evaluation
Period, the Income Base is automatically increased to the Highest Value when
this Highest Value is greater than (a), (b), and (c), where:

     (a)  is the cumulative Eligible Purchase Payments; and

     (b)  is the current Income Base; and

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

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 and the
Income Base. 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.

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 as a result of a Highest
Value being achieved resulting in the Income Base being stepped up at any
Benefit Year anniversary during the Income Base Evaluation Period. 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

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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 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 Your previously calculated Maximum Annual
Withdrawal Amount and the Endorsement Fee 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 Base and 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 the Income Base will
no longer be increased on Benefit Year anniversaries, and 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 ("EXTENSION")

At the end of the Initial Income Base Evaluation Period You may elect to extend
the Income Base Evaluation 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 future Extensions will not be available for
election.

If You have continuously elected previous Extensions and You are at least Age 86
but less than Age 90, You may elect a subsequent Extension with the final
evaluation occurring prior to Your 91st birthday. As a result, Your final
Extension will be for a period of less than 5 years.

Before the end of the initial Income Base Evaluation 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 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

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          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.

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.

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

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FIRST SUNAMERICA LIFE INSURANCE COMPANY

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

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