Document:

<PAGE>
                                                                     Ex(4)(b)(5)

                      AIG SUNAMERICA LIFE ASSURANCE COMPANY

                                   ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Owner's or Participant's
("Owner") Contract to which it is attached. Should any provision in this
Endorsement conflict with the Contract, the provisions of this Endorsement will
prevail.

The following provision under the "CHARGES AND DEDUCTIONS" section is modified
to read as follows:

     SALES CHARGE

     A Sales Charge may be deducted from each Gross Purchase Payment. The Sales
     Charge equals a percentage of each Gross Purchase Payment and varies based
     upon the Owner's investment, as described below, at the time each Gross
     Purchase Payment is made. We reserve the right to assess this charge on a
     class basis that differs from the charge specified on the Contract Data
     Page. The Sales Charge Schedule is shown on the Contract Data Page.

     The Owner's investment for purposes of calculating the Sales Charge at the
     time a Gross Purchase Payment is made to the Contract is Your investment as
     defined in the Rights of Accumulation provision.

The following is provision is added under the "ACCUMULATION PROVISIONS" section:

     RIGHTS OF ACCUMULATION

     At the time a Gross Purchase Payment is made into the Contract, the Owner's
     investment under this Rights of Accumulation provision is the sum of: (1)
     that Gross Purchase Payment; [(2) the Contract Value of this Contract prior
     to this Purchase Payment being applied; and (3) the Contract Value of
     eligible, related contracts which You and the Joint Owner, if any, [and
     Your children under the age of 21] own. [You, or Your financial
     representative must notify Us of any eligible, related contracts, as
     discussed in (3) above, each time You make a Gross Purchase Payment in
     order to receive any applicable reduction in Sales Charge.] We will not
     retroactively reduce Sales Charges if other contracts subsequently become
     eligible. We reserve the right to modify, suspend, or terminate the Rights
     of Accumulation provision at any time.

All other terms and conditions of the Contract remain unchanged. Signed for the
Company at Los Angeles, California, to be effective as of the Contract Date.

/s/ Christine A. Nixon                  /s/ Jana W. Greer
-------------------------------------   ----------------------------------------
Christine A. Nixon                      Jana W. Greer
Secretary                               President<PAGE>
                                                                     Ex(4)(b)(6)

                      AIG SUNAMERICA LIFE ASSURANCE COMPANY

                                   ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Owner's or Participant's
("Owner") Contract to which it is attached. Should any provision in this
Endorsement conflict with the Contract, the provisions of this Endorsement will
prevail.

The following provision under the "CHARGES AND DEDUCTIONS" section is modified
to read as follows:

     SALES CHARGE

     A Sales Charge may be deducted from each Gross Purchase Payment. The Sales
     Charge is based on the Gross Purchase Payment and is equal to a percentage
     of such Gross Purchase Payment at the time it is received. We reserve the
     right to assess this charge on a class basis that differs from the charge
     specified on the Contract Data Page. The Sales Charge Schedule is shown on
     the Contract Data Page.

     The Owner's investment for purposes of calculating the Sales Charge at the
     time a Gross Purchase Payment is made to the Contract is the sum of: (a)
     Your investment in the Contract and (b) any additional investment
     commitments secured by a Letter of Intent as defined in the Letter of
     Intent provision.

The following provision is added under the "PURCHASE PAYMENTS PROVISIONS"
section:

     LETTER OF INTENT

     The Letter of Intent is Your commitment to invest a certain amount over a
     [13-month] period, subject to Company restrictions. Gross Purchase Payments
     made into Your Contract, [and to eligible related contracts within [90]
     days prior to the start of the [13-month] period (but not prior to the
     issue date of this Contract) may count towards meeting Your investment goal
     and qualify for a reduced Sales Charge, if applicable. If prior purchase
     payments are used to satisfy Your investment goal, the Letter of Intent
     start date will be backdated, up to a maximum of [90 days], to the receipt
     of that earliest prior purchase payment. If You do not satisfy the
     conditions of Your Letter of Intent by the end of the [13-month] period, or
     if You surrender or annuitize the Contract prior to satisfying the
     investment goal, We will deduct from Your Contract Value the difference
     between (1) and (2) where:

     (1)  is the appropriate Sales Charge based on the actual amount of Gross
          Purchase Payments made to this [and eligible related] contract[s]
          during the [13-month] period; and

     (2)  is the Sales Charge that was actually deducted.

     The adjustment will be based entirely on the actual amount of Gross
     Purchase Payments made to the Contract [and eligible related Contracts]
     during the [13-month] period, whether or not the original Sales Charge was
     based on the investment amount using the Letter of Intent. No adjustment
     will be made if the contractholder dies prior to meeting the investment
     goal of the Letter of Intent. If You exceed Your investment goal, We will
     not retroactively

                                       1

<PAGE>

     reduce Sales Charges. We reserve the right to modify, suspend, or terminate
     the Letter of Intent provision at any time.

All other terms and conditions of the Contract remain unchanged. Signed for the
Company at Los Angeles, California, to be effective as of the Contract Date.

/s/ Christine A. Nixon                  /s/ Jana W. Greer
-------------------------------------   ----------------------------------------
Christine A. Nixon                      Jana W. Greer
Secretary                               President

                                        2<PAGE>

                                                               EXHIBIT (4)(b)(7)

    OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT MAXIMUM ANNIVERSARY VALUE
                                   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 Endorsement
provides a Guaranteed Minimum Withdrawal Benefit ("GMWB") that guarantees an
amount available for Withdrawal not to exceed a maximum annual dollar amount to
be distributed over a specified number of years, even if the Contract Value has
been reduced to zero due to unfavorable investment performance.

EFFECTIVE DATE: [DATE]

                                  DEFINITIONS

Terms not defined in this Endorsement shall have the same meaning given to them
in the Contract.

ANNIVERSARY VALUE
The Contract Value minus any Ineligible Purchase Payments as measured one year
from the Effective Date and on subsequent Contract anniversaries.

BENEFIT BASE
A component of the calculation of the GMWB, which is used to determine the total
amount of guaranteed Withdrawals, the Minimum Withdrawal Period, the GMWB
Charge, and the Maximum Annual Withdrawal Amount.

BENEFIT BASE EVALUATION PERIOD
The period of time over which Anniversary Values are considered in determining
the Benefit Base.

BENEFIT YEAR
Each consecutive one year period starting on the Effective Date.

EFFECTIVE DATE
The date shown above when this Endorsement becomes effective. If
this Endorsement is elected at Contract issue, the Effective Date is the date
Your Contract is issued. [If this Endorsement is elected after Your Contract has
been issued, the Effective Date is the [Benefit Year anniversary following Your
election.]]

ELIGIBLE PURCHASE PAYMENTS
The Purchase Payments or portion thereof that are included in the calculation of
the Benefit Base.

EXCESS WITHDRAWAL
The portion of any Withdrawal that makes the total of all Withdrawals in a
Benefit Year exceed the Maximum Annual Withdrawal Amount in that Benefit Year.

INELIGIBLE PURCHASE PAYMENTS
Ineligible Purchase Payments are Purchase Payments that are not included in the
calculation of the Benefit Base.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The maximum amount available to be withdrawn each Benefit Year under the GMWB.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")
The maximum percentage used to determine the maximum amount available to be
withdrawn each Benefit Year under the GMWB.

MINIMUM WITHDRAWAL PERIOD ("MWP")
The minimum period of time over which You may take Withdrawals under the GMWB.

                                       1
<PAGE>
SPOUSAL BENEFICIARY
Your spouse, if designated as Your primary Beneficiary on the date of Your
death, who elects to continue the Contract as the new Owner or Participant
("Owner") upon Your death.

WITHDRAWAL
The amount of any full or partial surrender of Contract Value and any fees or
charges attributable to the surrendered amount.

   GUARANTEED MINIMUM WITHDRAWAL BENEFIT MAXIMUM ANNIVERSARY VALUE PROVISIONS

This Endorsement provides a GMWB subject to the terms and conditions described
herein.

GMWB CHARGE

The GMWB charge is an annualized charge deducted from [Your Contract Value on a
[quarterly] basis beginning one [quarter] following the Effective Date and
ending on the termination of the Endorsement.] [The full [quarterly] charge
will also be deducted upon full surrender or annuitization of Your Contract.]

The amount of the GMWB charge will equal:

BENEFIT YEAR      ANNUAL CHARGE PERCENTAGE      AS A PERCENTAGE OF
------------      ------------------------      ------------------
[Years 0-10]            [0.65%]                   [Benefit Base]
[Years 11-20]           [0.65%]                   [Benefit Base]
[Years 20+]             [0.65%]                   [Benefit Base]

BENEFIT BASE EVALUATION PERIOD
A Benefit Base Evaluation Period begins on the Effective Date and extends to the
[10th] Benefit Year anniversary].

CALCULATION OF THE COMPONENTS OF THE GMWB
The GMWB is available for Withdrawal at any time while the Endorsement is in
effect and prior to any termination of the GMWB. The amount of Withdrawals and
time period over which You can take Withdrawals under the GMWB may change over
time as a result of Withdrawal activity or Benefit Base increase. Withdrawals
made under this Endorsement are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, Withdrawal Charges, and any
other benefits under the Contract. Withdrawals in excess of the Penalty Free
Withdrawal amount will be assessed a Withdrawal Charge, if applicable. We
reserve the right to limit the investment options available under Your Contract
if You elect the GMWB.

To determine the GMWB, We calculate each of the following components: Benefit
Base and MAWA. The calculations for each component are detailed below.

BENEFIT BASE
The initial Benefit Base [if the GMWB is elected on the Contract Date,] is
Eligible Purchase Payments multiplied by the percentage as specified in the
table below.

[The initial Benefit Base if the GMWB is elected after the Contract Date, is the
Contract Value on the Effective Date.]

The table below identifies the Eligible Purchase Payments included in the
calculation of the Benefit Base, as determined by the time elapsed between the
Effective Date and the day on which [Gross] Purchase Payments are received by US
and deposited into Your Contract. Payment Enhancements, if applicable, are not
considered Eligible Purchase Payments.

<TABLE>
<CAPTION>

TIME ELAPSED SINCE EFFECTIVE DATE               PERCENTAGE INCLUDED IN THE BENEFIT BASE CALCULATION
---------------------------------               ---------------------------------------------------
<S>                                             <C>
       [0-2 Years]                                                   [100%]
       [2-10 Years]                                                  [0%]
   [More than 10 Years]                                              [0%]
</TABLE>

                                       2
<PAGE>
On any Benefit Year anniversary occurring during the Benefit Base Evaluation
Period, the Benefit Base is automatically increased to the Anniversary Value
when the Anniversary Value is greater than (a) and (b), where:
      (a)   is the current Benefit Base; and
      (b)   is all previous Anniversary Values during any Benefit Base
            Evaluation Period.

The Benefit Base is not used in the calculation of Contract Value or any other
benefits under the Contract. We reserve the right to limit the Eligible Purchase
Payments to a maximum of [$1,000,000].

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The MAWA is an amount calculated as a percentage of the [Benefit Base.] The
applicable Maximum Annual Withdrawal Percentage ("MAWP") used to calculate the
MAWA is determined by when the first Withdrawal is made by You, as specified in
the table below.

<TABLE>
<CAPTION>

TIME OF FIRST WITHDRAWAL                  MAXIMUM ANNUAL                [MAXIMUM ANNUAL               MAXIMUM ANNUAL
------------------------               WITHDRAWAL PERCENTAGE         WITHDRAWAL PERCENTAGE         WITHDRAWAL AS A PERCENTAGE
                                       [WHEN EXTENSION IS NOT        WHEN EXTENSION IS                       OF:
                                             ELECTED]                      ELECTED]

<S>                                   <C>                            <C>                           <C>
[Before 5th Benefit Year                      [5%]                          [5%]                          [Benefit Base]
anniversary]
[On or after 5th Benefit Year                 [7%]                          [7%]                          [Benefit Base]
anniversary]
[On or after 10th Benefit Year               [10%]                          [7%]                          [Benefit Base]
anniversary]
[On or after 20th Benefit Year               [10%]                         [10%]                          [Benefit Base]
anniversary]
</TABLE>

If You are taking required minimum distributions ("RMD") from the Contract, the
MAWA is the greater of the MAWA as described above or the annual RMD amount
applicable to the Contract Value only.

The MAWA can be withdrawn throughout each Benefit Year. If You do not withdraw
the entire MAWA in a Benefit Year, You will maintain Your Minimum Withdrawal
Period, but the MAWA will not increase. Excess Withdrawals in any Benefit Year
may reduce Your future MAWA. See IMPACT OF WITHDRAWALS section below.

If the Benefit Base is increased to the Anniversary Value, the MAWA will be
recalculated on that Benefit Year anniversary, by multiplying the new Benefit
Base by the applicable MAWP.

IMPACT OF WITHDRAWALS
Withdrawals reduce the amount available for Withdrawal under the GMWB. Total
Withdrawals in any Benefit Year equal to or less than the MAWA reduce the
Benefit Base by the amount of the Withdrawal. Once Withdrawals in a Benefit Year
exceed the MAWA, all subsequent Withdrawals in that Benefit Year are Excess
Withdrawals. Excess Withdrawals may reduce the Benefit Base based on the
relative size of the Withdrawal in relation to the Contract Value at the time of
the Excess Withdrawal. This means that when the Contract Value is less than the
Benefit Base, Excess Withdrawals will result in a reduction of the Benefit Base
which is greater than the amount of the Excess Withdrawal. We further explain
this impact and the effect on each component of the GMWB through the
calculations below:

WITHDRAWALS IMPACT CONTRACT VALUE AND THE COMPONENTS OF THE GMWB CALCULATION AS
FOLLOWS:

      1.    CONTRACT VALUE: Any Withdrawal reduces the Contract Value by the
            amount of the Withdrawal.

      2.    BENEFIT BASE: Withdrawals up to the MAWA, before any Excess
            Withdrawal, reduce the Benefit Base by the dollar amount of the
            Withdrawal.

            Any Excess Withdrawal further reduces the Benefit Base to the lesser
      of (a) or (b), where:

                  (a)   is the Benefit Base immediately prior to the Excess
                        Withdrawal minus the amount of the Excess Withdrawal,
                        or;
                  (b)   is the Benefit Base immediately prior to the Excess
                        Withdrawal reduced in the same proportion by which the
                        Contract Value is reduced by the Excess Withdrawal,

                                       3
<PAGE>
      3. MINIMUM WITHDRAWAL PERIOD: If the total of all Withdrawals in a Benefit
      Year are less than or equal to the MAWA, the new MWP equals the Benefit
      Base after the Withdrawal divided by the current MAWA. When the Benefit
      Base is adjusted to a higher Anniversary Value, a new MWP is determined by
      dividing the new Benefit Base by the new MAWA.

      If there is an Excess Withdrawal in a Benefit Year, the new MWP equals the
      MWP calculated at the end of the prior Benefit Year reduced by one year.

      4. MAXIMUM ANNUAL WITHDRAWAL AMOUNT: If there are no Excess Withdrawals in
      a Benefit Year, the MAWA does not change for the next Benefit Year, unless
      the Benefit Base is increased as described above under "Benefit Base."

      If there are any Excess Withdrawals in a Benefit Year, the MAWA will be
      recalculated on the next Benefit Year anniversary. The new MAWA will equal
      the new Benefit Base on that Benefit Year anniversary after the Withdrawal
      divided by the new Minimum Withdrawal Period on that Benefit Year
      anniversary. The new MAWA may be lower than Your previously calculated
      MAWA.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO
If Your Contract Value is reduced to zero and the Benefit Base is greater than
zero, subsequent Purchase Payments will no longer be accepted and a Death
Benefit will not be payable. You can receive the remaining value of the GMWB
under one of the following options:

      a.    A lump sum equal to the discounted present value of any remaining
            guaranteed payments under the GMWB; or,
      b.    Periodic payments during each Benefit Year that in total are equal
            to the MAWA until the Benefit Base has been reduced to zero. If You
            do not select a specific frequency for these payments, We will pay
            the current MAWA in [quarterly] payments; or,
      c.    Any payment option that is mutually agreeable.

[EXTENSION OF THE BENEFIT BASE EVALUATION PERIOD ("EXTENSION")
We may offer You at least [one] Extension of the Benefit Base Evaluation Period
at the end of the current Benefit Base Evaluation Period, [provided the Owner(s)
are age [90] or younger at that time.] [If You elect such Extension, you will
receive a new endorsement with the charges and provisions in effect at that
time.]]

TERMINATION OF THE GMWB
Once elected the GMWB Endorsement and its corresponding charge [may] be
terminated by the Owner. [If the Owner's request to terminate the GMWB is
received:
      1.    prior to the [5th] Benefit Year anniversary, the termination is
            effective on the [5th] Benefit Year anniversary;
      2.    after the [5th], but prior to the [10th] Benefit Year
            anniversary, 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 the GMWB.]]

The Endorsement and the related charge will terminate automatically if:
      1.    The Benefit Base has been reduced to zero; or,
      2.    A Spousal Beneficiary elects to continue the Contract without this
            Endorsement; or,
      3.    A Death Benefit is paid (as described under the [Death Provisions or
            Death Benefit] section of Your Contract); or,
      4.    The Contract is fully withdrawn or surrendered; or,
      5.    The Contract is annuitized.

We reserve the right to terminate the GMWB Endorsement if Withdrawals in excess
of the MAWA in any Benefit Year reduce the Benefit Base by [50%] or more.

If terminated, the GWMB may not be re-elected.

                                       4
<PAGE>
SPOUSAL CONTINUATION
Upon election to continue the Contract and this Endorsement, Your Spousal
Beneficiary will be subject to the terms and conditions of this Endorsement. The
Effective Date will not change as the result of Spousal Continuation. A
continuation contribution paid under the Spousal Continuation provision of the
Contract is not considered an Eligible Purchase Payment, but is included in the
calculation of Anniversary Values if the spouse continues the Benefit Base
Evaluation Period.

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

                                       5

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00097-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00097-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00097-of-00352.parquet"}]]