Document:

Individual Variable Annuity Contract

 Exhibit 4(b) 
  
 Anchor National Life Insurance Company 
 A STOCK COMPANY    LOS ANGELES, CALIFORNIA 
  
 CONTRACT NUMBER P9999999999 
  
 OWNER JOHN
DOE 
  
 
	 STATUTORY HOME OFFICE
 2999 NORTH 44TH ST.,
STE 250
 PHOENIX, AZ 85018
 	 	 EXECUTIVE OFFICE
 1 SUNAMERICA
CENTER
 LOS ANGELES, CA 90067-6022
 	 	 ANNUITY SERVICE CENTER
 P. O. BOX
54299
 LOS ANGELES, CA 90054-0299
 

 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY (“We”, “Us”, the
“Company”, or “Anchor National”) agrees to provide benefits to the Owner in accordance with the provisions set forth in this Contract and in consideration of the Application and Purchase Payments We received. 

 
 The value of amounts allocated to the Separate Account during the accumulation and annuity periods is not guaranteed and will increase or decrease
based upon the investment experience of the investments underlying the Variable Portfolios You choose. 
  
 RIGHT TO EXAMINE—You
may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased within 10 days after You receive it, if You are not satisfied with it. The Company will refund the Contract Value on the business day
during which the Contract is received. Upon such refund, the Contract shall be void. 
  
 For Individual Retirement Annuities, a refund
of the Purchase Payment(s) may be required. Therefore, We reserve the right to allocate Your Purchase Payment(s) to the Cash Management Variable Portfolio until the end of the Right To Examine period. Thereafter, allocations will be made as shown on
the Contract Purchase Payment Allocation page. 
  
 THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY. 

 
 
	 
	 By:
 	 	 /S/    CHRISTINE A.
NIXON      
 
	 	  	 	 By:
 	 	 /S/    JANA W.
GREER      
 

	  	 	 Christine A. Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 
  
 INDIVIDUAL VARIABLE 
 ANNUITY CONTRACT 
 Nonparticipating 

	 1 
 

  
 TABLE OF CONTENTS 
  
 
	 Contract Data Page
 	  	 Page 3
 
	 Purchase Payment Allocation
 	  	 Page 4
 
	 Definitions
 	  	 Page 5
 
	 Purchase Payment Provisions
 	  	 Page 8
 
	 Accumulation Provisions
 	  	 Page 8
 
	 Charges And Deductions
 	  	 Page 9
 
	 Transfer Provision
 	  	 Page 9
 
	 Withdrawal Provision
 	  	 Page 10
 
	 General Provisions
 	  	 Page 10
 
	 Death Provisions
 	  	 Page 12
 
	 Annuity Provisions
 	  	 Page 14
 
	 Annuity Payment Options
 	  	 Page 16
 
	 Fixed Annuity Payment Options Table
 	  	 Page 17
 
	 Variable Annuity Payment Options Table
 	  	 Page 20
 

 

 
 2 

  
 Contract Data Page 
  
 
	 
	 Contract Number:
 	  	 Annuity Service Center:
 
	 P9999999999
 	  	 P. O. BOX 54299
 LOS ANGELES, CA 90054-0299
 
	 
	 Owner:
 	  	 Age at Issue:
 
	 JOHN DOE
 	  	 35
 
	 
	 Annuitant:
 	  	 Initial Purchase Payment:
 
	 JOHN DOE
 	  	 $10,000.00
 
	 
	 Specified Annuity Date:
 	  	 Contract Date:
 
	 March 1, 2032
 	  	 March 1, 2002
 
	 
	 Latest Annuity Date:
 	  	 Minimum Guarantee Rate for
 
	 March 1, 2062
 	  	 DCA Account Options—
 3.0%
 
	 
	 Separate Account Charge:
 	  	  
	 [1.52%]
 	  	  
	 
	 Beneficiary:
 	  	  
	 As named by You
 	  	  
	 
	 Separate Account:
 	  	  
	 [VARIABLE SEPARATE ACCOUNT]
 	  	  
	 
	 Optional Elections
 	  	 Optional Election Charges:
 
	 
	 Optional Death Benefit Elected:
 	  	  
	 Purchase Payment Accumulation]
 	  	 0.20%
 

 
  
 For Inquiries 
 [Call 1-800-445-SUN2] 
  

	 3 
 

 PURCHASE PAYMENT ALLOCATION 
  
 Variable Portfolios 
  
 
	  	  	 Stock
 	  	  	  	 Balanced
 
	 0.00%
 	  	 Alliance Growth
 	  	 0.00%
 	  	 MFS Total Return
 
	 0.00%
 	  	 Global Equities
 	  	 0.00%
 	  	 SunAmerica Balanced
 
	 0.00%
 	  	 Growth & Income
 	  	 0.00%
 	  	 Asset Allocation
 
	 0.00%
 	  	 Small & Mid Cap Value
 	  	  	  	  
	 0.00%
 	  	 AFS Global Growth
 	  	  	  	 Bond
 
	 0.00%
 	  	 AFS Growth
 	  	 0.00%
 	  	 Corporate Bond
 
	 0.00%
 	  	 AFS Growth-Income
 	  	 0.00%
 	  	 Global Bond
 
	 0.00%
 	  	 Davis Venture Value
 	  	 25.00%
 	  	 High-Yield Bond
 
	 0.00%
 	  	 Real Estate
 	  	 0.00%
 	  	 Worldwide High Income
 
	 25.00%
 	  	 Federated Value
 	  	 0.00%
 	  	 Government & Quality Bond
 
	 0.00%
 	  	 Telecom Utility
 	  	  	  	  
	 0.00%
 	  	 Goldman Sachs Research
 	  	  	  	 Cash
 
	 0.00%
 	  	 Lord Abbett Growth & Income
 	  	 0.00%
 	  	 Cash Management
 
	 0.00%
 	  	 Marsico Growth
 	  	  	  	  
	 0.00%
 	  	 MFS Growth & Income
 	  	  	  	  
	 0.00%
 	  	 MFS Mid-Cap Growth
 	  	  	  	  
	 0.00%
 	  	 Emerging Markets
 	  	  	  	  
	 0.00%
 	  	 International Growth & Income
 	  	  	  	  
	 0.00%
 	  	 Putnam Growth
 	  	  	  	  
	 0.00%
 	  	 Aggressive Growth
 	  	  	  	  
	 0.00%
 	  	 Blue Chip Growth
 	  	  	  	  
	 25.00%
 	  	 “Dogs” of Wall Street
 	  	  	  	  
	 0.00%
 	  	 Growth Opportunities
 	  	  	  	  
	 0.00%
 	  	 Foreign Value
 	  	  	  	  
	 0.00%
 	  	 Comstock
 	  	  	  	  
	  	  	 International Diversified Equities
 	  	  	  	  
	 0.00%
 	  	 Technology
 	  	  	  	  
	 0.00%
 	  	 Comstock
 	  	  	  	  
	 0.00%
 	  	 Emerging Growth
 	  	  	  	  
	 0.00%
 	  	 Growth and Income
 	  	  	  	  
	 0.00%
 	  	 Capital Appreciation
 	  	  	  	  
	 0.00%
 	  	 Growth
 	  	  	  	  
	 0.00%
 	  	 Natural Resources
 	  	  	  	  

 
  
 DCA Account Options 
  

	  	  	 Guarantee
Period
 
	    	 Initial
Interest Rate
 

	 0.00%
 	  	 6-Month DCA
 	    	  
	 0.00%
 	  	 1-Year DCA
 	    	  

 

	 4 
 

 DEFINITIONS 
  
 Defined in this section are some of the words and phrases used in this Contract. These terms are capitalized when used in the Contract. Other capitalized terms in the Contract refer to the captioned paragraph explaining that
particular concept in the Contract. 
  
 ACCUMULATION UNIT 
 A
unit of measurement used to compute the Contract Value in a Variable Portfolio prior to the Annuity Date. 
  
 AGE 

Age as of last birthday. 
  
 ANNUITANT 
 The natural person or persons (collectively, Joint Annuitants) whose life or lives is/are used to determine the annuity benefits under the Contract. If the Contract is in force and the Annuitant(s)
is/are alive on the Annuity Date, We will begin payments to the Payee. This Contract cannot have Joint Annuitants if it is issued in connection with a tax-qualified retirement plan. 
  
 ANNUITY SERVICE CENTER 
 As specified on the Contract Data Page. 
  

ANNUITY DATE 
 The date on which annuity payments (“income payments”) to the Payee begin. This date
cannot be later than the Latest Annuity Date. 
  
 ANNUITY UNIT 
 A unit of measurement used to compute annuity payments from the Variable Portfolios. 
  
 BENEFICIARY 

The Beneficiary is as named by You unless later changed by You in a written request to Us at Our Annuity Service Center. 
  

CONTRACT DATE 
 The date Your Contract is issued, as shown on the Contract Data Page. It is the date from which
Contract Years and anniversaries are measured. 
  
 CONTRACT VALUE 
 The sum of: (1) Your share of the Variable Portfolios’ Accumulation Unit values and (2) the value of amounts allocated to the DCA Account Options. 
  
 CONTRACT YEAR 
 One year starting from the Contract Date in one calendar year and ending on the day preceding the
anniversary of such date in the succeeding calendar years. 
  

	 5 
 

 CONTINUATION DATE 
 The Date on which We receive, at Our Annuity
Service Center: (a) the Spousal Beneficiary’s written request to continue the Contract inforce, and (b) Due Proof of Death of the Owner. If We receive (a) and (b) on different dates, the Continuation Date will be the later date. 

 
 CURRENT INTEREST RATE 
 The rates of interest declared by Us applicable
to allocations of Subsequent Purchase Payments to the DCA Account Options. The Current Interest Rate will not be less than the Minimum Guarantee Rate as shown on the Contract Data Page. 
  

DCA ACCOUNT OPTIONS 
 The investment options under this Contract that are credited with a fixed rate of interest
declared by the Company. All amounts allocated to the DCA Account Options become part of the Company’s general asset account. The general asset account contains all the assets of the Company except for the Separate Account and other segregated
asset accounts. The DCA Account Options for this Contract are shown on page 4. 
  
 DOLLAR COST AVERAGING PROGRAM (DCA) 

An optional program under which You authorize the automatic transfer of specified amounts or percentages from one or more designated source accounts(s) into any Variable Portfolio(s) other
than the source account. Any portion of a Purchase Payment allocated to the DCA Account Option(s) must be transferred out within the specified DCA Account Option Period depending on which DCA Account Option is selected. Upon termination of the DCA
program any amounts remaining in the DCA Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Account Option(s) will be applied to the Fixed
Annuity Payments. The unit values credited and applied to Your Contract are determined on each date of transfer. We reserve the right to change the terms and conditions of the DCA program at any time. 
  
 FIXED ANNUITY 
 A series of periodic annuity payments of predetermined amounts that
do not vary with investment experience. Such payments are made from the Company’s general asset account. 
  
 GUARANTEE PERIOD

 The period for which either the Initial Interest Rate or the Current Interest Rate is credited to the amounts allocated to the applicable DCA Account Option(s).

  
 INITIAL INTEREST RATE 
 The rate(s) of interest credited
to any portion of the Initial Purchase Payment allocated to the DCA Account Option(s), as described in the Accumulation Provisions section. The Initial Interest Rate(s) for this Contract is/are listed on page 4. The Initial Interest Rate may not be
less than the Minimum Guaranteed Rate as shown on the Contract Data Page. 
  
 IRC 
 The Internal Revenue Code of 1986 or as it may be amended or superseded. 
  
 JOINT OWNER 

If Joint Owners are named each Joint Owner has an equal ownership interest in the Contract unless We are advised otherwise in writing. 

 
 6 

 NYSE 
 New York Stock Exchange. 
  
 OWNER 
 The person or entity named in the Contract who is entitled to exercise all
rights and privileges of ownership under the Contract. Owner means both Joint Owners if applicable. 
  
 PAYEE 

The person receiving payment of annuity benefits under this Contract. 
  
 PURCHASE PAYMENTS 
 Payments in U.S. currency made by or on behalf of the Owner to the Company for the Contract. 
  
 SEPARATE ACCOUNT 
 The segregated asset account named on the Contract Data Page.
The Separate Account consists of several Variable Portfolios each investing in shares of the Underlying Fund(s) of the trust(s). The assets of the Separate Account are not commingled with the general assets and liabilities of the Company. Each
Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. The value of amounts allocated to the Variable Portfolios of the Separate Account is not guaranteed. 
  
 SPECIFIED ANNUITY DATE 
 The anticipated Annuity Date specified by You as shown on
Contract Data Page. This date may be changed by You in writing prior to the Annuity Date, but in no event can it be later than the Latest Annuity Date. If this date is not specified, it will be the Latest Annuity Date. 
  
 SPOUSAL BENEFICIARY 
 The deceased Owner’s surviving spouse who is designated
as the primary Beneficiary and may continue the Contract as the Owner on the Continuation Date. 
  
 VARIABLE PORTFOLIO
(“SUBACCOUNT”) 
 One or more divisions of the Separate Account, which provides for the variable investment options available under this Contract. Each Variable
Portfolio has its own investment objective and is invested in the Underlying Funds of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. The available Variable Portfolios are shown on
page 4. Additional Variable Portfolios may become available in the future. 
  
 SUBSEQUENT PURCHASE PAYMENTS 
 Purchase Payments made subsequent to the Initial Purchase Payment. 
  
 UNDERLYING FUND

 The variable investment options in which the corresponding Variable Portfolio(s) invest. 
  
 VARIABLE ANNUITY 
 A series of periodic annuity payments, which vary in amount according to the investment experience of
one or more Variable Portfolios, as selected by You. 
  
 WE, OUR, US, THE COMPANY 
 Anchor National Life Insurance Company. 
  
 YOU, YOUR 
 The Owner. 

 
 7 

 PURCHASE PAYMENT PROVISIONS 
  
 PURCHASE PAYMENTS 
 Purchase Payments are flexible. This means that, subject to Company declared minimums and maximums, You may change the
amounts, frequency and/or timing of Purchase Payments. Purchase Payments will be allocated to the DCA Account Options and/or one or more Variable Portfolios in accordance with instructions from You. We reserve the right to specify the minimum
Purchase Payment that may be allocated to a Variable Portfolio or a DCA Account Option under the Contract. 
  
 SUBSTITUTION OF INVESTMENT
PORTFOLIOS 
 If: (a) the shares of the underlying investment portfolios in which the Variable Portfolios invest should no longer be available for investment by the Separate
Account; or (b) in the judgment of the Board of Trustees further investment in the shares of an investment portfolio is no longer appropriate in view of the purpose of the Contract, then We may substitute shares of another underlying investment
series, for shares already purchased, or to be purchased in the future by Purchase Payments under the Contract. No substitution of securities may take place without prior approval of the Securities and Exchange Commission and under such requirements
as it may impose. 
  
 ACCUMULATION PROVISIONS 
  
 SEPARATE ACCOUNT ACCUMULATION VALUE 
 The Separate Account Accumulation Value under the Contract shall be the sum of the
values of the Accumulation Units held in the Variable Portfolios for the Owner. 
  
 NUMBER OF ACCUMULATION UNITS 

Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolios. For that portion of each Purchase Payment and/or transfer
amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment and/or transfer amount allocated to that Variable Portfolio, reduced by premium taxes, if any: 
  
 Divided by 
  
 The Accumulation Unit value
for that Variable Portfolio for the NYSE business day on which the Purchase Payment or transfer amount is allocated. 
  
 The number of
Accumulation Units will be reduced for withdrawals of Contract Value, annuitizations and amounts transferred out of a Variable Portfolio. Reductions will be made as of the end of the NYSE business day in which We receive all requirements for the
transaction, as appropriate. 
  
 ACCUMULATION UNIT VALUE (AUV) 
 The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where: 
  

	(1)
	 
	is the total value at the end of the given NYSE business day of the assets attributable to the Accumulation Units of the Variable Portfolio minus the total
liabilities; 
 

	(2)
	 
	is the cumulative unpaid charge for assumption of Separate Account Charge; 
 

	(3)
	 
	is the number of Accumulation Units outstanding at the end of the given NYSE business day. 
 

 
 8 

 DCA ACCOUNT ACCUMULATION VALUE 
 Under the Contract, the DCA
Account Accumulation Value shall be the sum of all monies allocated to the DCA Account Option(s), reduced by any applicable premium taxes, plus all interest credited on the DCA Account Option(s) during the period that the Contract has been in
effect. This amount shall be adjusted for withdrawals, annuitizations and transfers. The DCA Account Accumulation Value shall not be less than the minimum values required by law in the state where this Contract is issued. 
  
 DCA ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING 
 Any amounts allocated
to the DCA Account Option(s) from the first Purchase Payment will earn interest at the Initial Interest Rate for the DCA Account Option(s) selected. Subsequent Purchase Payments allocated to the DCA Account Option(s) will earn interest at the
Current Interest Rate for the DCA Account Option(s) selected. 
  
 CHARGES AND DEDUCTIONS 
  
 We will deduct the following charge from the Contract: 
  
 SEPARATE ACCOUNT CHARGE—This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable
Portfolio(s) to which the Contract is allocated. This charge compensates us for mortality and expense risks, distribution expenses and guaranteed death benefit risk associated with the Contract. We subtract this charge daily. We reserve the right to
assess this charge on a class basis in an amount which is less than the charge specified on the Contract Data Page. 
  
 TRANSFER PROVISION 
  
 Prior to the Annuity Date, You may transfer all or part of Your Contract Value to any of the
Variable Portfolios. We reserve the right to charge a fee for transfers if the number of transfers exceeds the limit specified by Us. The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio are subject to
Company limits. 
  
 TRANSFERS OF ACCUMULATION AND ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS 
 Prior to and after the Annuity Date, You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio. Before the Annuity Date, a transfer will result
in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio(s). After the Annuity Date, a transfer will result in the redemption of Annuity Units in a Variable Portfolio and
the purchase of Annuity Units in the other Variable Portfolio(s). Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. 

 
 9 

 WITHDRAWAL PROVISION 
  
 On or before the Annuity Date and while the Owner is living, You may withdraw all or part of Your Contract Value under this Contract by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract must be returned
to Our Annuity Service Center. The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. 
  
 Without a written notice to the contrary, withdrawals will be deducted from the Contract Value in proportion to their allocation among the Variable Portfolios. Withdrawals will be based on values at the end of the NYSE business day
in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS section is in effect, payment of withdrawals will be made
within seven calendar days. 
  
 SYSTEMATIC WITHDRAWAL PROGRAM 
 Prior to the Annuity Date, You may elect to participate in the Systematic Withdrawal Program by informing Us at Our Annuity Service Center. The Systematic Withdrawal Program allows You to make automatic withdrawals from Your account
monthly, quarterly, semiannually or annually. The minimum systematic withdrawal amount is subject to Company limits. You may terminate Your participation in the Systematic Withdrawal Program at any time by sending Us a written request. We reserve
the right to modify, suspend or terminate the Systematic Withdrawal Program at any time. 
  
 GENERAL PROVISIONS

  
 ENTIRE CONTRACT 
 The entire contract between You and
Us consists of the Application Form as completed by You at the time of purchase, this Contract and any attached endorsement(s). An agent cannot change the terms or conditions of this Contract. Any change must be in writing and approved by Us. Only
Our President, Secretary, or one of Our Vice-Presidents can give Our approval. 
  
 CHANGE OF ANNUITANT 
 If the Owner is an individual, the Owner may change the Annuitant at any time prior to the Annuity Date. To make a change, the Owner must send a written notice to Us at least 30 days before the Annuity
Date. If the Owner is not an individual, the Owner may not change the Annuitant. 
  
 DEATH OF ANNUITANT 
 If the Owner and Annuitant are different and the Annuitant dies before the Annuity Date, the Owner becomes the Annuitant until such time as the Owner elects a new Annuitant. If there are Joint
Annuitants, upon the death of any Annuitant prior to the Annuity Date, the Owner may elect a new Joint Annuitant. However, if the Owner is a non-natural person, We will treat the death of any Annuitant as the death of the “primary
Annuitant” and as the death of the Owner, see DEATH PROVISIONS. 

 
 10 

 MISSTATEMENT OF AGE OR SEX 
 If the Age or sex of any Annuitant
has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the Fixed Annuity Payment Options, plus interest at
the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the Fixed Annuity Payment Options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the
Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. 
  
 PROOF OF AGE, SEX, OR SURVIVAL 
 The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract
depends on the Annuitant being alive, the Company may require satisfactory proof of survival. 
  
 SUSPENSION OF PAYMENTS

 We may suspend or postpone any payments from the Variable Portfolios if any of the following occur: 
  

	(a)
	 
	the NYSE is closed, 
 

	(b)
	 
	trading on the NYSE is restricted, 
 

	(c)
	 
	an emergency exists such that it is not reasonably practical to dispose of or determine the value of the assets held in a Variable Portfolio, or 

	(d)
	 
	the Securities and Exchange Commission, by order, so permits for the protection of Owners. 
 

  
 Conditions in (b) and (c) will be decided by or in accordance with rules of the Securities and Exchange Commission. 
  
 CONFORMITY WITH STATE LAWS 
 The provisions of this Contract will be interpreted by
the laws of the state in which the Application Form was signed or such other state as is required by law. Any provision which, on the Contract Date, is in conflict with the law of such state is amended to conform to the minimum requirements of such
law. 
  
 CHANGES IN LAW 
 If the laws governing this Contract
or the taxation of benefits under the Contract change, We reserve the right to amend this Contract to comply with these changes. 
  
 ASSIGNMENT 
 You may assign this Contract before the Annuity Date, but We will not be bound by an assignment unless it is received by Us in writing. Your
rights and those of any other person referred to in this Contract will be subject to the assignment. Certain assignments may be taxable. We do not assume any responsibility for the validity or tax consequences of any assignment. 

 
 CLAIMS OF CREDITORS 
 To the extent permitted by law, no rights or
proceeds payable under this Contract will be subject to claims of creditors or legal process. 

 
 11 

 PREMIUM TAXES AND OTHER TAXES 
 The Company may deduct from Your
Contract Value any premium tax and/or other taxes payable to a state or other government entity, if applicable. Should We advance any amount so due, We are not waiving any right to collect such amount at a later date. The Company will deduct any
withholding taxes required by applicable law. 
  
 WRITTEN NOTICE 
 Any notice We send to You will be sent to Your address shown in the Application Form unless You request otherwise. Any written request or notice to Us must be sent to Our Annuity Service Center, at the address specified on the
Contract Data Page. 
  
 PERIODIC REPORTS 
 During each
Contract Year, We will send You quarterly statements of the account activity of the Contract as well as confirmation reports after each financial transaction. The statement will include all transactions which have occurred during the quarterly
accounting period shown on the statement. 
  
 INCONTESTABILITY 
 This Contract will be incontestable from the Contract Date. 
  
 NONPARTICIPATING 
 This Contract does not share in Our surplus. 
  
 DEATH PROVISIONS

  
 Notwithstanding any provision of this Contract to the contrary, all payments of benefits under this Contract will be made in a
manner that satisfies IRC Section 72(s), as amended from time to time. If the Contract is owned by a trust or other non-natural person, We will treat the death of the Annuitant as the death of the “primary Annuitant”, as defined in IRC
Section 72(s)(6), and as the death of any Owner. 
  
 DUE PROOF OF DEATH 
 Due Proof of Death means: 
  

	 	1.
	 
	a certified copy of a death certificate; or 
 

	 	2.
	 
	a certified copy of a decree of a court of competent jurisdiction as to the finding of death; or 
 

	 	3.
	 
	a written statement by a medical doctor who attended the deceased Owner at the time of death; or 
 

	 	4.
	 
	any other proof satisfactory to Us. 
 

  
 DEATH OF OWNER BEFORE THE ANNUITY DATE 
 We will pay a death benefit to the Beneficiary upon Our receiving: (a) due proof that the Owner died before the
Annuity Date, (b) an election form specifying the payment option and (c) any other documentation We may require. Unless You have previously designated a payment option on behalf of the Beneficiary, the Beneficiary must select one of the following
payment options: 
  

	1.
	 
	Immediately collect the death benefit in a lump sum. If a lump sum payment is elected, payment will be in accordance with any applicable laws and regulations
governing payments and death; or 
 

 
 12 

  

	2.
	 
	Collect the death benefit in the form of one of the Annuity Payment Options. If an Annuity Payment Option is desired, an option must be elected within 60 days
of Our receipt of: (a) Due Proof of Death of the Owner; (b) an election form specifying the payment option and (c) any other documentation We may require. The payments must be over the life of the Beneficiary or over a period not extending beyond
the life expectancy of the Beneficiary. Payments under this death benefit option must commence within one year after the Owner’s death, otherwise, the death benefit will be paid in accordance with death benefit option 1; or 

  

	3.
	 
	If eligible, continue the Contract as a Spousal Beneficiary. On the Continuation Date, We will contribute to the Contract any amount by which the Death Benefit
exceeds the Contract Value, calculated as of the Owner’s date of death. This amount is not considered a Purchase Payment. If an amount is contributed on the Continuation Date, then upon death of the Spousal Beneficiary the subsequent death
benefit will be calculated as if the Contract was issued to the Spousal Beneficiary on the Continuation Date. Otherwise, the death benefit payable upon death of the Spousal Beneficiary will be calculated as if the Contract was issued to the Spousal
Beneficiary on the original Contract Date. 
 

  
 You cannot change any elected death benefit option
specified on the Contract Data Page. Your Spousal Beneficiary may discontinue the death benefit option on the Continuation Date but cannot change the elected death benefit option. Upon the Spousal Beneficiary’s death, the entire interest of the
Contract must be distributed immediately under option 1 or 2 as provided under DEATH OF OWNER BEFORE THE ANNUITY DATE. 
  
 In any
event, the entire interest in the Contract will be distributed within five years from the date of death of the Owner unless payment option 2 or 3 above as provided under DEATH OF OWNER BEFORE THE ANNUITY DATE. 
  
 AMOUNT OF DEATH BENEFIT 
 The death benefit is equal to the greater of:

  

	1.
	 
	the Contract Value at the end of the NYSE business day during which We receive, at Our Annuity Service Center, due proof of the Owner’s death and an
election of the type of payment to be made; Or 
 

  

	2.
	 
	Purchase Payments, reduced for partial withdrawals in the same proportion that the Contract Value was reduced on the date of such withdrawal (including any
charges applicable to such withdrawal). 
 

  
 DEATH OF OWNER OR ANNUITANT ON OR AFTER THE ANNUITY DATE 

If the Owner or Annuitant dies on or after the Annuity Date and before the entire interest in the Contract has been distributed, We will pay the remaining portion of the interest of the
Contract as under the Annuity Payment Option being distributed on the date of death upon Our receipt of Due Proof of Death. For further information pertaining to death of the Annuitant, see ANNUITY PAYMENT OPTIONS. 

 
 13 

  
 BENEFICIARY 
 The
Beneficiary is selected by the Owner. While (a) the Owner is living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written notice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the
notice of change was signed. Such change, however, will not apply to any payment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named, (a) those surviving the Owner will share equally
unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are
no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. 
  
 Joint Owners, if applicable, shall be each other’s
primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other’s primary Beneficiary. Any other Beneficiary designated will be treated as a contingent Beneficiary. 
  
 If the Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the Owner, the death benefit will be paid to the estate of the Owner
in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. 
  
 ANNUITY PROVISIONS 

 
 ANNUITY DATE 
 The Owner specifies an anticipated Annuity Date (the date
on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on the Data Page as the Specified Annuity Date. The Owner may change the Specified Annuity Date at any time, at least seven days prior
to the Annuity Date, by written notice to the Company at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Contract Date, but not beyond the later of the
Owner’s 95th birthday or ten years after the Contract Date. If the Owner is a non-natural person, the latest annuity date is the later of the Annuitant’s 95th birthday or ten years after the Contract Date. If no Annuity Date is specified,
the Annuity Date will be the latest Annuity Date, as set by the Company. 
  
 PAYMENTS TO OWNER 
 Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request
filed at the Annuity Service Center no later than thirty (30) days before the date of the first annuity payment. 
  
 Any such request is
subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. 
  
 FIXED ANNUITY PAYMENTS 
 If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less
any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuity
payments be changed once they begin. 

 
 14 

  
 AMOUNT OF FIXED ANNUITY PAYMENTS 
 The amount of each Fixed Annuity Payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed
Annuity payment option chosen. 
  
 AMOUNT OF VARIABLE ANNUITY PAYMENTS 

	(a)
	 
	FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first Variable Annuity payment will be determined by applying the portion of the Contract Value
allocated to the Variable Portfolios, less any applicable premium taxes, to the annuity table applicable to the Variable Annuity payment option chosen. If the Contract Value is allocated to more than one Variable Portfolio, the value of Your
interest in each Variable Portfolio is applied separately to the Variable Annuity payment option table to determine the amount of the first annuity payment attributable to each Variable Portfolio. 
 

  

	(b)
	 
	NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units for each applicable Variable Portfolio is the amount of the first annuity payment attributable to
that Variable Portfolio divided by the value of the applicable Annuity Unit for that Variable Portfolio as of the Annuity Date. The number will not change as a result of investment experience. 
 

  

	(c)
	 
	VALUE OF EACH VARIABLE ANNUITY UNIT: The value of an Annuity Unit may increase or decrease from one month to the next. For any month, the value of an Annuity
Unit of a particular Variable Portfolio is the value of that Annuity Unit as of the last NYSE business day of the preceding month, multiplied by the Net Investment Factor for that Variable Portfolio for the last NYSE business day of the current
month. 
 

  
 The Net Investment Factor for any Variable Portfolio for a certain month is determined by dividing (1) by (2)
where: 
  

	 	(1)
	 
	the Accumulation Unit Value of the Variable Portfolio determined as of the last business day at the end of that month; 
 

 

	 	(2)
	 
	the Accumulation Unit Value of the Variable Portfolio determined as of the last business day at the end of the preceding month. 
 

 
 The result is then multiplied by a factor that neutralizes the assumed investment rate of 3.5%. 
  

	(d)
	 
	SUBSEQUENT VARIABLE ANNUITY PAYMENTS: After the first Variable Annuity payment, payments will vary in amount according to the investment performance of the
applicable Variable Portfolio(s) to which Your Purchase Payments are allocated. The amount may change from month to month. The amount of each subsequent payment for each Variable Portfolio is: 
 

  
 The number of Annuity Units for each Variable Portfolio as determined for the first annuity payment 
  

Multiplied by 
  
 The value of an Annuity Unit for that Variable Portfolio
at the end of the month immediately preceding the month in which payment is due. 
  
 We guarantee that the amount of each Variable Annuity
payment will not be affected by variations in expenses or mortality experience. 

 
 15 

  
 ANNUITY PAYMENT OPTIONS 
  

During the Annuitant’s life, upon written election and the return of this Contract to the Company at its Annuity Service Center, the Contract Value may be applied to provide one of the
following options or any annuity payment option that is mutually agreeable. After two years from the Contract Date, and prior to the Annuity Date, You can choose one of the options described below. If no option has been elected by the Annuity Date,
You will automatically receive Option 4 below with 120 monthly payments guaranteed. 
  
 OPTIONS 1 & 1v—LIFE ANNUITY, LIFETIME
MONTHLY PAYMENTS GUARANTEED 
 Payments payable to a Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant.

  
 OPTIONS 2 & 2v—JOINT AND SURVIVOR LIFE ANNUITY 
 Payments payable to the Payee during the lifetime of the Annuitant and during the lifetime of a designated second person. No further payments are payable after the deaths of both the Annuitant and the designated second person.

  
 OPTIONS 3 & 3v—JOINT AND SURVIVOR LIFE ANNUITY—120 OR 240 MONTHLY PAYMENTS GUARANTEED 
 Payments are payable to the Payee during the lifetime of the Annuitant and during the lifetime of a designated second person. If, at the death of the survivor, payments have been made for less than 120
or 240 monthly periods, the remaining guaranteed annuity payments will be continued to the Beneficiary. 
  
 OPTIONS 4 & 4v—LIFE
ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED 
 Payments payable to the Payee during the lifetime of the Annuitant. If, at the death of the Annuitant, payments have
been made for less than the 120 or 240 monthly periods, as selected at the time of annuitization, the remaining guaranteed annuity payments will be continued to the Beneficiary. 
  
 OPTIONS 5 & 5v—FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN 
 Payments are payable to the Payee for any specified
period of time of five (5) years or more, but not exceeding thirty (30) years, as selected at the time of annuitization. The selection must be made for full twelve-month periods. In the event of death of the Annuitant, any remaining annuity payments
will be continued to the Beneficiary. If Variable Annuity Payments are elected under this Annuity Payment Option, any remaining guaranteed Variable Annuity payments may be redeemed for a discounted value determined by Us. 

	 16 
 

  
 FIXED ANNUITY PAYMENT OPTIONS TABLE 
  
 BASIS OF COMPUTATION 
 The actuarial basis for the Table of Annuity Rates is the
1983a Annuity Mortality Table with projection and a guaranteed interest rate of 3%. The mortality table is projected using Projection Scale G factors, assuming annuitization in the year 2000. The Fixed Annuity Payment Options Table does not include
any applicable premium tax. 
  
 OPTIONS 1 & 4—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 
	  	 	 Option 1
 	 	 Option 4
 	 	 Option 4
 
	 Age of
 Annuitant
 
	 	 Life Annuity
 
	 	 Life Annuity
 (w/120 payments
 guaranteed)
 
	 	 Life Annuity
 (w/240 payments
 guaranteed)
 

	  	 	 Male
 	 	 Female
 	 	 Male
 	 	 Female
 	 	 Male
 	 	 Female
 
	 55
 	 	 4.23
 	 	 3.84
 	 	 4.19
 	 	 3.82
 	 	 4.05
 	 	 3.76
 
	 56
 	 	 4.32
 	 	 3.91
 	 	 4.27
 	 	 3.88
 	 	 4.11
 	 	 3.81
 
	 57
 	 	 4.41
 	 	 3.98
 	 	 4.35
 	 	 3.95
 	 	 4.17
 	 	 3.87
 
	 58
 	 	 4.51
 	 	 4.05
 	 	 4.44
 	 	 4.02
 	 	 4.24
 	 	 3.93
 
	 59
 	 	 4.61
 	 	 4.13
 	 	 4.54
 	 	 4.10
 	 	 4.31
 	 	 4.00
 
	 60
 	 	 4.72
 	 	 4.22
 	 	 4.64
 	 	 4.18
 	 	 4.37
 	 	 4.06
 
	 61
 	 	 4.84
 	 	 4.31
 	 	 4.74
 	 	 4.27
 	 	 4.44
 	 	 4.13
 
	 62
 	 	 4.96
 	 	 4.40
 	 	 4.85
 	 	 4.36
 	 	 4.51
 	 	 4.20
 
	 63
 	 	 5.10
 	 	 4.51
 	 	 4.97
 	 	 4.45
 	 	 4.58
 	 	 4.27
 
	 64
 	 	 5.24
 	 	 4.62
 	 	 5.10
 	 	 4.55
 	 	 4.65
 	 	 4.35
 
	 65
 	 	 5.40
 	 	 4.73
 	 	 5.22
 	 	 4.66
 	 	 4.72
 	 	 4.42
 
	 66
 	 	 5.56
 	 	 4.86
 	 	 5.36
 	 	 4.78
 	 	 4.79
 	 	 4.50
 
	 67
 	 	 5.74
 	 	 4.99
 	 	 5.50
 	 	 4.90
 	 	 4.86
 	 	 4.57
 
	 68
 	 	 5.93
 	 	 5.14
 	 	 5.65
 	 	 5.02
 	 	 4.92
 	 	 4.65
 
	 69
 	 	 6.13
 	 	 5.29
 	 	 5.80
 	 	 5.16
 	 	 4.99
 	 	 4.73
 
	 70
 	 	 6.35
 	 	 5.46
 	 	 5.96
 	 	 5.30
 	 	 5.05
 	 	 4.80
 
	 71
 	 	 6.58
 	 	 5.64
 	 	 6.13
 	 	 5.46
 	 	 5.10
 	 	 4.88
 
	 72
 	 	 6.82
 	 	 5.84
 	 	 6.29
 	 	 5.62
 	 	 5.16
 	 	 4.95
 
	 73
 	 	 7.08
 	 	 6.05
 	 	 6.47
 	 	 5.78
 	 	 5.20
 	 	 5.02
 
	 74
 	 	 7.36
 	 	 6.28
 	 	 6.64
 	 	 5.96
 	 	 5.25
 	 	 5.08
 
	 75
 	 	 7.66
 	 	 6.53
 	 	 6.82
 	 	 6.14
 	 	 5.29
 	 	 5.14
 
	 76
 	 	 7.98
 	 	 6.80
 	 	 7.00
 	 	 6.33
 	 	 5.33
 	 	 5.19
 
	 77
 	 	 8.33
 	 	 7.09
 	 	 7.19
 	 	 6.53
 	 	 5.36
 	 	 5.24
 
	 78
 	 	 8.69
 	 	 7.41
 	 	 7.37
 	 	 6.73
 	 	 5.39
 	 	 5.29
 
	 79
 	 	 9.09
 	 	 7.75
 	 	 7.55
 	 	 6.94
 	 	 5.41
 	 	 5.33
 
	 80
 	 	 9.51
 	 	 8.11
 	 	 7.73
 	 	 7.14
 	 	 5.43
 	 	 5.36
 
	 81
 	 	 9.97
 	 	 8.51
 	 	 7.91
 	 	 7.35
 	 	 5.45
 	 	 5.39
 
	 82
 	 	 10.45
 	 	 8.94
 	 	 8.08
 	 	 7.55
 	 	 5.47
 	 	 5.42
 
	 83
 	 	 10.97
 	 	 9.41
 	 	 8.24
 	 	 7.76
 	 	 5.48
 	 	 5.44
 
	 84
 	 	 11.52
 	 	 9.92
 	 	 8.40
 	 	 7.95
 	 	 5.49
 	 	 5.46
 
	 85
 	 	 12.10
 	 	 10.47
 	 	 8.54
 	 	 8.13
 	 	 5.50
 	 	 5.48
 

 
  

	 17 
 

  
 OPTION 2—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 Joint & 100% Survivor Life Annuity 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.54
 	 	 3.69
 	 	 3.84
 	 	 3.96
 	 	 4.06
 	 	 4.13
 	 	 4.17
 
	 60
 	 	 3.63
 	 	 3.83
 	 	 4.04
 	 	 4.23
 	 	 4.39
 	 	 4.52
 	 	 4.60
 
	 65
 	 	 3.70
 	 	 3.95
 	 	 4.23
 	 	 4.51
 	 	 4.78
 	 	 5.00
 	 	 5.16
 
	 70
 	 	 3.75
 	 	 4.04
 	 	 4.39
 	 	 4.78
 	 	 5.18
 	 	 5.56
 	 	 5.85
 
	 75
 	 	 3.78
 	 	 4.11
 	 	 4.51
 	 	 5.01
 	 	 5.57
 	 	 6.14
 	 	 6.65
 
	 80
 	 	 3.81
 	 	 4.15
 	 	 4.60
 	 	 5.18
 	 	 5.89
 	 	 6.70
 	 	 7.52
 
	 85
 	 	 3.82
 	 	 4.18
 	 	 4.66
 	 	 5.30
 	 	 6.14
 	 	 7.18
 	 	 8.35
 

 
  
 OPTION 3—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
  
 Joint & 100% Survivor Life Annuity (w/120 payments guaranteed.) 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.54
 	 	 3.69
 	 	 3.83
 	 	 3.96
 	 	 4.05
 	 	 4.12
 	 	 4.16
 
	 60
 	 	 3.63
 	 	 3.83
 	 	 4.03
 	 	 4.22
 	 	 4.38
 	 	 4.50
 	 	 4.57
 
	 65
 	 	 3.70
 	 	 3.95
 	 	 4.22
 	 	 4.50
 	 	 4.76
 	 	 4.97
 	 	 5.10
 
	 70
 	 	 3.75
 	 	 4.04
 	 	 4.38
 	 	 4.76
 	 	 5.15
 	 	 5.48
 	 	 5.72
 
	 75
 	 	 3.78
 	 	 4.10
 	 	 4.50
 	 	 4.98
 	 	 5.50
 	 	 6.00
 	 	 6.40
 
	 80
 	 	 3.80
 	 	 4.14
 	 	 4.58
 	 	 5.13
 	 	 5.78
 	 	 6.46
 	 	 7.04
 
	 85
 	 	 3.81
 	 	 4.16
 	 	 4.62
 	 	 5.22
 	 	 5.97
 	 	 6.80
 	 	 7.55
 

 
  
 OPTION 3—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
  
 Joint & 100% Survivor Life Annuity (w/240 payments guaranteed) 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.53
 	 	 3.68
 	 	 3.81
 	 	 3.92
 	 	 3.99
 	 	 4.03
 	 	 4.04
 
	 60
 	 	 3.62
 	 	 3.81
 	 	 4.00
 	 	 4.16
 	 	 4.27
 	 	 4.34
 	 	 4.37
 
	 65
 	 	 3.68
 	 	 3.92
 	 	 4.16
 	 	 4.39
 	 	 4.56
 	 	 4.66
 	 	 4.71
 
	 70
 	 	 3.72
 	 	 3.99
 	 	 4.29
 	 	 4.58
 	 	 4.81
 	 	 4.96
 	 	 5.03
 
	 75
 	 	 3.74
 	 	 4.03
 	 	 4.36
 	 	 4.70
 	 	 4.99
 	 	 5.17
 	 	 5.26
 
	 80
 	 	 3.75
 	 	 4.05
 	 	 4.40
 	 	 4.77
 	 	 5.09
 	 	 5.30
 	 	 5.40
 
	 85
 	 	 3.76
 	 	 4.06
 	 	 4.42
 	 	 4.80
 	 	 5.13
 	 	 5.35
 	 	 5.46
 

 
  

	 18 
 

 OPTION 5—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 Payments for a Specified Period 
  
 
	 Number
 of Years
 
	  	 Monthly Payment
 
	    	 Number of Years
 
	    	 Monthly
 Payment
 
	    	 Number of Years
 
	    	 Monthly Payment
 
	    	 Number of Years
 
	    	 Monthly Payment
 

	  	  	  	    	 10
 	    	 9.61
 	    	 17
 	    	 6.23
 	    	 24
 	    	 4.84
 
	  	  	  	    	 11
 	    	 8.86
 	    	 18
 	    	 5.96
 	    	 25
 	    	 4.71
 
	 5
 	  	 17.91
 	    	 12
 	    	 8.24
 	    	 19
 	    	 5.73
 	    	 26
 	    	 4.59
 
	 6
 	  	 15.14
 	    	 13
 	    	 7.71
 	    	 20
 	    	 5.51
 	    	 27
 	    	 4.47
 
	 7
 	  	 13.16
 	    	 14
 	    	 7.26
 	    	 21
 	    	 5.32
 	    	 28
 	    	 4.37
 
	 8
 	  	 11.68
 	    	 15
 	    	 6.87
 	    	 22
 	    	 5.15
 	    	 29
 	    	 4.27
 
	 9
 	  	 10.53
 	    	 16
 	    	 6.53
 	    	 23
 	    	 4.99
 	    	 30
 	    	 4.18
 

 
  

	 19 
 

  
 VARIABLE ANNUITY PAYMENT OPTIONS TABLE 
  
 BASIS OF COMPUTATION 
 The actuarial basis for the Table of Annuity Rates is the
1983a Annuity Mortality Table with projection and an effective annual Assumed Investment Rate of 3.5%. The mortality table is projected using Projection Scale G factors, assuming annuitization in the year 2000. The Variable Annuity Payment Options
Table does not include any applicable premium tax. 
  
 OPTIONS 1v& 4v—TABLE OF MONTHLY INSTALLMENTS PER $1,000

  
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 
	  	 	 Option 1v
 	 	 Option 4v
 	 	 Option 4v
 
	 Age of
 Annuitant
 
	 	 Life Annuity
 
	 	 Life Annuity
 (w/120 payments
 guaranteed)
 
	 	 Life Annuity
 (w/240 payments
 guaranteed)
 

	  	 	 Male
 	 	 Female
 	 	 Male
 	 	 Female
 	 	 Male
 	 	 Female
 
	 55
 	 	   4.53
 	 	   4.13
 	 	 4.48
 	 	 4.11
 	 	 4.33
 	 	 4.05
 
	 56
 	 	   4.62
 	 	   4.20
 	 	 4.56
 	 	 4.18
 	 	 4.39
 	 	 4.10
 
	 57
 	 	   4.71
 	 	   4.27
 	 	 4.64
 	 	 4.24
 	 	 4.45
 	 	 4.16
 
	 58
 	 	   4.80
 	 	   4.34
 	 	 4.73
 	 	 4.31
 	 	 4.52
 	 	 4.22
 
	 59
 	 	   4.90
 	 	   4.42
 	 	 4.82
 	 	 4.39
 	 	 4.58
 	 	 4.28
 
	 60
 	 	   5.01
 	 	   4.51
 	 	 4.92
 	 	 4.47
 	 	 4.65
 	 	 4.34
 
	 61
 	 	   5.13
 	 	   4.60
 	 	 5.03
 	 	 4.55
 	 	 4.71
 	 	 4.41
 
	 62
 	 	   5.26
 	 	   4.69
 	 	 5.14
 	 	 4.64
 	 	 4.78
 	 	 4.48
 
	 63
 	 	   5.39
 	 	   4.80
 	 	 5.25
 	 	 4.74
 	 	 4.85
 	 	 4.55
 
	 64
 	 	   5.54
 	 	   4.91
 	 	 5.38
 	 	 4.84
 	 	 4.92
 	 	 4.62
 
	 65
 	 	   5.69
 	 	   5.02
 	 	 5.51
 	 	 4.94
 	 	 4.99
 	 	 4.69
 
	 66
 	 	   5.86
 	 	   5.15
 	 	 5.64
 	 	 5.06
 	 	 5.05
 	 	 4.77
 
	 67
 	 	   6.03
 	 	   5.28
 	 	 5.78
 	 	 5.18
 	 	 5.12
 	 	 4.84
 
	 68
 	 	   6.22
 	 	   5.43
 	 	 5.93
 	 	 5.30
 	 	 5.18
 	 	 4.92
 
	 69
 	 	   6.43
 	 	   5.58
 	 	 6.08
 	 	 5.44
 	 	 5.24
 	 	 4.99
 
	 70
 	 	   6.64
 	 	   5.75
 	 	 6.23
 	 	 5.58
 	 	 5.30
 	 	 5.06
 
	 71
 	 	   6.87
 	 	   5.93
 	 	 6.40
 	 	 5.73
 	 	 5.36
 	 	 5.14
 
	 72
 	 	   7.12
 	 	   6.13
 	 	 6.56
 	 	 5.89
 	 	 5.41
 	 	 5.21
 
	 73
 	 	   7.38
 	 	   6.34
 	 	 6.73
 	 	 6.06
 	 	 5.46
 	 	 5.27
 
	 74
 	 	   7.66
 	 	   6.57
 	 	 6.91
 	 	 6.23
 	 	 5.50
 	 	 5.33
 
	 75
 	 	   7.96
 	 	   6.82
 	 	 7.09
 	 	 6.41
 	 	 5.54
 	 	 5.39
 
	 76
 	 	   8.28
 	 	   7.09
 	 	 7.27
 	 	 6.60
 	 	 5.57
 	 	 5.44
 
	 77
 	 	   8.63
 	 	   7.38
 	 	 7.45
 	 	 6.79
 	 	 5.61
 	 	 5.49
 
	 78
 	 	   9.00
 	 	   7.70
 	 	 7.63
 	 	 6.99
 	 	 5.63
 	 	 5.54
 
	 79
 	 	   9.40
 	 	   8.04
 	 	 7.81
 	 	 7.19
 	 	 5.66
 	 	 5.58
 
	 80
 	 	   9.82
 	 	   8.41
 	 	 7.98
 	 	 7.40
 	 	 5.68
 	 	 5.61
 
	 81
 	 	 10.28
 	 	   8.81
 	 	 8.16
 	 	 7.60
 	 	 5.70
 	 	 5.64
 
	 82
 	 	 10.76
 	 	   9.24
 	 	 8.32
 	 	 7.81
 	 	 5.71
 	 	 5.66
 
	 83
 	 	 11.28
 	 	   9.71
 	 	 8.48
 	 	 8.00
 	 	 5.72
 	 	 5.69
 
	 84
 	 	 11.83
 	 	 10.23
 	 	 8.64
 	 	 8.19
 	 	 5.73
 	 	 5.70
 
	 85
 	 	 12.42
 	 	 10.78
 	 	 8.78
 	 	 8.38
 	 	 5.74
 	 	 5.72
 

 
  

	 20 
 

  
 OPTION 2v—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 Joint & 100% Survivor Life Annuity 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.83
 	 	 3.98
 	 	 4.12
 	 	 4.24
 	 	 4.34
 	 	 4.42
 	 	 4.46
 
	 60
 	 	 3.92
 	 	 4.11
 	 	 4.32
 	 	 4.51
 	 	 4.67
 	 	 4.80
 	 	 4.89
 
	 65
 	 	 3.99
 	 	 4.23
 	 	 4.50
 	 	 4.79
 	 	 5.05
 	 	 5.28
 	 	 5.44
 
	 70
 	 	 4.04
 	 	 4.33
 	 	 4.67
 	 	 5.05
 	 	 5.46
 	 	 5.83
 	 	 6.13
 
	 75
 	 	 4.07
 	 	 4.39
 	 	 4.79
 	 	 5.28
 	 	 5.84
 	 	 6.41
 	 	 6.93
 
	 80
 	 	 4.10
 	 	 4.44
 	 	 4.88
 	 	 5.45
 	 	 6.16
 	 	 6.97
 	 	 7.79
 
	 85
 	 	 4.11
 	 	 4.47
 	 	 4.94
 	 	 5.57
 	 	 6.41
 	 	 7.45
 	 	 8.61
 

 
  
 OPTION 3v—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
  
 Joint and 100% Survivor Life Annuity (w/120 payments guaranteed) 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.83
 	 	 3.98
 	 	 4.12
 	 	 4.24
 	 	 4.34
 	 	 4.40
 	 	 4.45
 
	 60
 	 	 3.92
 	 	 4.11
 	 	 4.31
 	 	 4.50
 	 	 4.66
 	 	 4.78
 	 	 4.86
 
	 65
 	 	 3.99
 	 	 4.23
 	 	 4.50
 	 	 4.78
 	 	 5.03
 	 	 5.24
 	 	 5.38
 
	 70
 	 	 4.04
 	 	 4.32
 	 	 4.66
 	 	 5.03
 	 	 5.41
 	 	 5.75
 	 	 5.99
 
	 75
 	 	 4.07
 	 	 4.38
 	 	 4.78
 	 	 5.25
 	 	 5.77
 	 	 6.26
 	 	 6.66
 
	 80
 	 	 4.09
 	 	 4.43
 	 	 4.86
 	 	 5.40
 	 	 6.05
 	 	 6.72
 	 	 7.29
 
	 85
 	 	 4.10
 	 	 4.45
 	 	 4.90
 	 	 5.50
 	 	 6.24
 	 	 7.05
 	 	 7.80
 

 
  
 OPTION 3v—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request) 
  
 Joint & 100% Survivor Life Annuity (w/240 payments guaranteed) 
  
 
	 Age of
 Male

Annuitant
 
	 	 Age of Female Annuitant
 

	  	 	 55
 	 	 60
 	 	 65
 	 	 70
 	 	 75
 	 	 80
 	 	 85
 
	 55
 	 	 3.82
 	 	 3.97
 	 	 4.10
 	 	 4.20
 	 	 4.27
 	 	 4.31
 	 	 4.33
 
	 60
 	 	 3.91
 	 	 4.09
 	 	 4.28
 	 	 4.44
 	 	 4.55
 	 	 4.61
 	 	 4.64
 
	 65
 	 	 3.97
 	 	 4.20
 	 	 4.44
 	 	 4.66
 	 	 4.83
 	 	 4.93
 	 	 4.97
 
	 70
 	 	 4.01
 	 	 4.27
 	 	 4.56
 	 	 4.84
 	 	 5.07
 	 	 5.21
 	 	 5.28
 
	 75
 	 	 4.03
 	 	 4.31
 	 	 4.64
 	 	 4.97
 	 	 5.25
 	 	 5.42
 	 	 5.51
 
	 80
 	 	 4.04
 	 	 4.33
 	 	 4.67
 	 	 5.03
 	 	 5.34
 	 	 5.55
 	 	 5.65
 
	 85
 	 	 4.05
 	 	 4.34
 	 	 4.69
 	 	 5.06
 	 	 5.38
 	 	 5.60
 	 	 5.70
 

 

 
 21 

  
 OPTION 5v—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
  
 Payments for a Specified Period 
  
 
	 Number
 of Years
 
	 	 Monthly
 Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 
	  	 Number
 of Years
 
	  	 Monthly Payment
 
	  	 Number
 of Years
 
	  	 Monthly Payment
 

	  	 	  	  	 10
 	  	 9.83
 	  	 17
 	  	 6.47
 	  	 24
 	  	 5.09
 
	  	 	  	  	 11
 	  	 9.09
 	  	 18
 	  	 6.20
 	  	 25
 	  	 4.96
 
	 5
 	 	 18.12
 	  	 12
 	  	 8.46
 	  	 19
 	  	 5.97
 	  	 26
 	  	 4.84
 
	 6
 	 	 15.35
 	  	 13
 	  	 7.94
 	  	 20
 	  	 5.75
 	  	 27
 	  	 4.73
 
	 7
 	 	 13.38
 	  	 14
 	  	 7.49
 	  	 21
 	  	 5.56
 	  	 28
 	  	 4.63
 
	 8
 	 	 11.90
 	  	 15
 	  	 7.10
 	  	 22
 	  	 5.39
 	  	 29
 	  	 4.53
 
	 9
 	 	 10.75
 	  	 16
 	  	 6.76
 	  	 23
 	  	 5.24
 	  	 30
 	  	 4.45
 

 

 
 22 

 Anchor National Life Insurance Company 
 A STOCK COMPANY    LOS ANGELES, CALIFORNIA 
  
 INDIVIDUAL VARIABLE 
 ANNUITY CONTRACT 
 Nonparticipating 

 
 23Optional Death Benefit Endorsements

  
 Exhibit 4(c) 
  
 MAXIMUM ANNIVERSARY VALUE OPTIONAL 
 DEATH BENEFIT ENDORSEMENT 

 
 This Endorsement is made a part of, and subject to, the other terms and conditions of the Contract to which it is attached. 
  
 This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF OWNER BEFORE THE ANNUITY DATE in the Contract. 
  
 The following are added under the DEFINITIONS section of the Contract: 
  
 NET PURCHASE PAYMENT 
 The sum of all Purchase Payments, reduced
proportionately on the date of each partial withdrawal by the percentage at which the Contract Value is reduced by such withdrawal (including any charges applicable to the withdrawal). 
  
 AMOUNT OF DEATH BENEFIT 
 If, upon the death of the Owner and prior to the Annuity Date, the Owner has not attained age 90,
the amount of the Death Benefit will be as described under the Maximum Anniversary Value Optional Death Benefit. If the deceased Owner has attained age 90, then the Death Benefit will be the Contract Value. This Death Benefit option cannot be
changed or terminated. 
  
 Maximum Anniversary Value Optional Death Benefit 
 As of the date We receive Your Due Proof of Death and prior to the Owner attaining age 90, the Death Benefit will be the greatest of: 
  

	(a)
	 
	Net Purchase Payments; or 
 

  

	(b)
	 
	Contract Value; or 
 

  

	(c)
	 
	The Maximum Anniversary Value. 
 

  
 We will calculate the Maximum Anniversary Value, by determining the Contract Value for each Contract anniversary prior to the Owner’s 81st birthday. An anniversary value is equal to the Contract Value at a Contract anniversary
increased by the dollar amount of any Purchase Payment(s) made since that anniversary and reduced for any partial withdrawals since that anniversary (and any charges applicable to such withdrawals) in the same proportion that the Contract Value was
reduced on the date of such withdrawal. If any of those anniversary values is greater than Your Contract Value, You will receive that amount as the Maximum Anniversary Value. 
  
 Maximum Anniversary Optional Death Benefit Charge 
 On an annual basis, this charge equals [0.20%] of Your average daily
ending value of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Contract is allocated. We deduct this charge daily. This charge is in addition to the charges in Your Contract. 

 
 1 

  
 Signed for the Company to be effective on the Contract Date. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	 
	  	 	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	  	 	 /s/    JANA W. GREER
        
 

	  	 	 Christine A. Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 

 
 2 

  
 MAXIMUM ANNIVERSARY VALUE OPTIONAL 
 DEATH BENEFIT ENDORSEMENT 
  
 This Endorsement is made a part of, and subject to, the
other terms and conditions of the Certificate to which it is attached. 
  
 This Endorsement modifies the AMOUNT OF DEATH BENEFIT
under the DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE in the Certificate. 
  
 The following are added under the DEFINITIONS
section of the Certificate: 
  
 NET PURCHASE PAYMENT 
 The sum of all Purchase Payments, reduced proportionately on the date of each partial withdrawal by the percentage at which the Certificate Value is reduced by such withdrawal (including any charges
applicable to the withdrawal). 
  
 AMOUNT OF DEATH BENEFIT 
 If, upon the death of the Participant and prior to the Annuity Date, the Participant has not attained age 90, the amount of the Death Benefit will be as described under the Maximum Anniversary Value Optional Death Benefit. If the
deceased Participant has attained age 90, then the Death Benefit will be the Certificate Value. This Death Benefit option cannot be changed or terminated. 
  
 Maximum Anniversary Value Optional Death Benefit 
 As of the date We receive Your Due Proof of Death and prior to the Participant attaining age
90, the Death Benefit will be the greatest of: 
  

	(a)
	 
	Net Purchase Payments; or 
 

  

	(b)
	 
	Certificate Value; or 
 

  

	(c)
	 
	The Maximum Anniversary Value. 
 

  
 We will calculate the Maximum Anniversary Value, by determining the Certificate Value for each Certificate anniversary prior to the Participant’s 81st birthday. An anniversary value is equal to the Certificate Value at a
Certificate anniversary increased by the dollar amount of any Purchase Payment(s) made since that anniversary and reduced for any partial withdrawals since that anniversary (and any charges applicable to such withdrawals) in the same proportion that
the Certificate Value was reduced on the date of such withdrawal. If any of those anniversary values is greater than Your Certificate Value, You will receive that amount as the Maximum Anniversary Value. 
  
 Maximum Anniversary Optional Death Benefit Charge 
 On an annual basis, this charge
equals [0.20%] of Your average daily ending value of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Certificate is allocated. We deduct this charge daily. This charge is in addition to the charges in Your
Certificate. 

 
 1 

  
 Signed for the Company to be effective on the Certificate Date. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	 
	  	 	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	  	 	 /s/    JANA W. GREER
        
 

	  	 	 Christine A. Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 

 
 2 

  
 PURCHASE PAYMENT ACCUMULATION 
 OPTIONAL DEATH BENEFIT ENDORSEMENT 
  
 This Endorsement is made a part of, and
subject to, the other terms and conditions of the Contract to which it is attached. 
  
 This Endorsement modifies the AMOUNT OF DEATH
BENEFIT under the DEATH OF OWNER BEFORE THE ANNUITY DATE in the Contract. 
  
 Purchase Payment Accumulation Optional Death
Benefit Charge 
 On an annualized basis, this charge equals [0.20%] of Your average daily ending value of the assets attributable to the Accumulation Units of the
Subaccount(s) to which the Contract is allocated. We deduct this charge daily. This charge is in addition to the charges in Your Contract. 
  
 Purchase Payment Accumulation Optional Death Benefit 
 As of the date We receive Your Due Proof of Death, the Death Benefit will be the greatest of:

  

	(a)
	 
	The Contract Value; or 
 

  

	(b)
	 
	Purchase Payment(s) reduced for any partial withdrawals (and any charges applicable to such withdrawals), in the same proportion that the Contract Value was
reduced on the date of such withdrawal, compounded at [4%] interest to date of death, plus any Purchase Payment(s) recorded after the date of death; and reduced for any partial withdrawals (and any charges applicable to such withdrawals) in the same
proportion that the Contract Value was reduced on the date of such withdrawal recorded after the date of Death; or 
 

  

	(c)
	 
	The Contract Value at the seventh Contract anniversary, plus any subsequent Purchase Payments, reduced for any subsequent withdrawals (and any charges
applicable to such withdrawals) in the same proportion that the Contract Value was reduced on the date of such withdrawal, compounded until the date of death at [4%] interest, plus any Purchase Payments recorded after the date of death; and reduced
for any withdrawals (and any charges applicable to such withdrawals) in the same proportion that the Contract Value was reduced on the date of such withdrawal recorded after date of death. 
 

  
 If the Owner was age 70 or older on the Contract Date, both (b) and (c) above will be compounded at 3%, rather than 4%. If the death benefit is paid on the death
of an Owner who was not originally named in the application and was age 70 or older on the Contract Date, both (b) and (c) above will be compounded at 3%, rather than 4%. 
  
 Once elected, this Purchase Payment Accumulation Optional Death Benefit cannot be changed or terminated.  

 
 1 

  
 Signed for the Company to be effective on the Contract Date. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	 
	  	 	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	  	 	 /s/    JANA W. GREER
        
 

	  	 	 Christine A. Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 

 
 2 

  
 PURCHASE PAYMENT ACCUMULATION 
 OPTIONAL DEATH BENEFIT ENDORSEMENT 
  
 This Endorsement is made a part of, and
subject to, the other terms and conditions of the Certificate to which it is attached. 
  
 This Endorsement modifies the AMOUNT OF DEATH
BENEFIT under the DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE in the Certificate. 
  
 Purchase Payment Accumulation Optional
Death Benefit Charge 
 On an annualized basis, this charge equals [0.20%] of Your average daily ending value of the assets attributable to the Accumulation Units of the
Subaccount(s) to which the Certificate is allocated. We deduct this charge daily. This charge is in addition to the charges in Your Certificate. 
  
 Purchase Payment Accumulation Optional Death Benefit 
 As of the date We receive Your Due Proof of Death, the Death Benefit will be the greatest of:

  

	(a)
	 
	The Certificate Value; or 
 

  

	(b)
	 
	Purchase Payment(s) reduced for any partial withdrawals (and any charges applicable to such withdrawals), in the same proportion that the Certificate Value was
reduced on the date of such withdrawal, compounded at [4%] interest to date of death, plus any Purchase Payment(s) recorded after the date of death; and reduced for any partial withdrawals (and any charges applicable to such withdrawals) in the same
proportion that the Certificate Value was reduced on the date of such withdrawal recorded after the date of Death; or 
 

  

	(c)
	 
	The Certificate Value at the seventh Certificate anniversary, plus any subsequent Purchase Payments, reduced for any subsequent withdrawals (and any charges
applicable to such withdrawals) in the same proportion that the Certificate Value was reduced on the date of such withdrawal, compounded until the date of death at [4%] interest, plus any Purchase Payments recorded after the date of death; and
reduced for any withdrawals (and any charges applicable to such withdrawals) in the same proportion that the Certificate Value was reduced on the date of such withdrawal recorded after date of death. 
 

  
 If the Participant was age 70 or older on the Certificate Date, both (b) and (c) above will be compounded at 3%, rather than 4%. If the death benefit is paid on
the death of a Participant who was not originally named in the application and was age 70 or older on the Certificate Date, both (b) and (c) above will be compounded at 3%, rather than 4%. 
  

Once elected, this Purchase Payment Accumulation Optional Death Benefit cannot be changed or terminated.  

 
 1 

  
 Signed for the Company to be effective on the Certificate Date. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	 
	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	  	 	 /s/    JANA W. GREER
        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 

 
 2

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