Document:

<PAGE>

                      AIG SUNAMERICA LIFE ASSURANCE COMPANY

                 OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT
                                   ENDORSEMENT

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

Subject to the terms and conditions set forth herein this optional Endorsement
provides a Guaranteed Minimum Withdrawal Benefit ("GMWB") over the lifetime of
the Covered Person(s). You may take Withdrawals under the GMWB as prescribed by
this Endorsement herein while this Endorsement is in effect.

                             ENDORSEMENT DATA PAGE

<Table>
<S>                                              <C>       <C>         <C>
COVERED PERSON(S):                               John Doe
                                                 Jane Doe
ENDORSEMENT EFFECTIVE DATE:                      [March 1, 2007]

BONUS ELECTED:                                   [Yes]
                                                 ------------------------------------------------------
ELIGIBLE PURCHASE PAYMENTS:                      CONTRACT  PERCENTAGE  MAXIMUM ANNUAL ELIGIBLE
                                                 YEAR(s)   INCLUDED    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
                                                 [$1,000,000] without prior Company approval

GMWB CHARGE:                                     Annual fee of [0.80%] of the [Benefit Base] deducted
                                                 [quarterly] from Contract Value [allocated to the
                                                 Variable Portfolio(s) or Subaccounts(s)] beginning
                                                 [one] [quarter] following the Endorsement Effective
                                                 Date and ending on the termination of this
                                                 Endorsement.

BENEFIT BASE EVALUATION PERIOD:                  Beginning on the Endorsement Effective Date and
                                                 ending [10] years later

[BONUS PERCENTAGE:]                              [5%]

[BONUS PERIOD:]                                  [Beginning on the Endorsement Effective Date and
                                                 ending [10] years  later]

[BONUS AVAILABILITY:]                            [[At the end of each] Benefit Year during the Bonus
                                                 Period[ if Withdrawals were not made during that
                                                 same Benefit Year]]

[GUARANTEED MINIMUM BENEFIT BASE]                [[160%] of [Eligible Purchase Payments]]
</Table>

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP"):

<Table>
<Caption>
              AGE AT FIRST WITHDRAWAL                 MAWP
              -------------------------------------- -------
              <S>                                    <C>
              [At least Age 45 but less than Age 55]  [3.5%]
              -------------------------------------- -------
              [At least Age 55 but less than Age 62]    [4%]
              -------------------------------------- -------
              [At least Age 62 but less than Age 65]  [4.5%]
              -------------------------------------- -------
              [At least Age 65 but less than Age 70]    [5%]
              -------------------------------------- -------
              [At least Age 70 but less than Age 75]  [5.5%]
              -------------------------------------- -------
              [Age 75 and over]                         [6%]
              -------------------------------------- -------
</Table>

                                       1
<PAGE>

                                   DEFINITIONS

For purposes of this Endorsement, the following definitions apply. Terms not
defined in this Endorsement shall have the same meaning as defined in the
Contract.

AGE
The attained age as of the Covered Person's last birthday. If there are two
Covered Persons on the Endorsement Data Page, the Age of the younger Covered
Person or the lone surviving Covered Person as of their last birthday.

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

BENEFIT BASE
A component of the calculation of the GMWB, which is used to determine 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 Endorsement Effective Date.

BONUS
An amount that may be added to the Benefit Base during the Bonus Period.

BONUS BASE
A component of the calculation of the GMWB, which is used to determine the
dollar amount of any Bonus during the Bonus Period.

BONUS PERIOD
The period of time over which a Bonus may be added to the Benefit Base.

COVERED PERSON(S)
The person(s) named on the Endorsement Data Page whose lives are used to
determine the amount and duration of Withdrawals under this Endorsement.

ELIGIBLE PURCHASE PAYMENTS
[Gross] Purchase Payments or portion thereof made on or after the Endorsement
Effective Date as shown on the Endorsement Data Page that are included in the
calculation of the Benefit Base. If this Endorsement is added after the Contract
Date, for purposes of determining the Benefit Base, the Contract Value on the
Endorsement Effective Date is considered the initial Eligible Purchase Payment.
Purchase Payments added prior to the Endorsement Effective Date are not
considered Eligible Purchase Payments. The calculation of Eligible Purchase
Payments does not include [Payment Enhancements, if any, or] Spousal Beneficiary
continuation contributions.

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: (a) causes the total of all
Withdrawals for that Benefit Year to exceed the Maximum Annual Withdrawal
Amount; or (b) is taken after the Maximum Annual Withdrawal Amount has been
withdrawn, except if taken to meet the Required Minimum Distribution associated
with only the Contract to which this Endorsement is attached.

INELIGIBLE PURCHASE PAYMENTS
[Gross] Purchase Payments or portions thereof that are not included in the
calculation of the Benefit Base.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The maximum dollar amount available to be withdrawn each Benefit Year under the
GMWB without reducing the Benefit Base and the Bonus Base.

                                       2
<PAGE>

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")
The percentage used to determine the MAWA available for withdrawal each Benefit
Year under this Endorsement.

YOU, YOUR
The Covered Person(s) under this Endorsement.

                GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISIONS

The Guaranteed Minimum Withdrawal Benefit described in this Endorsement provides
for guaranteed Withdrawals over the lifetime of the Covered Person(s), subject
to the following provisions:

GMWB CHARGE
The GMWB Charge 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 charge for the period of
time between the date of the last GMWB charge up to and including the date of
surrender.

CALCULATION OF THE COMPONENTS OF THE GMWB
The MAWA guaranteed under this Endorsement may change over time as a result of
increases or decreases in the Benefit Base as described below.

To determine the GMWB when the Bonus is not available, We use the following
components: Benefit Base Evaluation Period, Benefit Base, MAWP and MAWA. To
determine the GMWB when the Bonus is available, the following additional
components are used: Bonus Period, Bonus Base and Bonus Percentage. The
calculations for each component are detailed below.

BENEFIT BASE
If the GMWB is elected on the Contract Date, the initial Benefit Base is the
initial Eligible Purchase Payment. If the GMWB is elected after the Contract
Date, the initial Benefit Base is equal to 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 Benefit Base
equals the Benefit Base at the beginning of that Benefit Year plus any
subsequent Eligible Purchase Payments made during that Benefit Year, less
adjustments for Excess Withdrawals that occurred during that Benefit Year. The
Benefit Base is determined as detailed below and is not used in the calculation
of Contract Value or any other benefits under the Contract. On Benefit Year
anniversaries during the Benefit Base Evaluation Period, We determine if the
Benefit Base should be increased based on the maximum Anniversary Value or any
available Bonus. The calculation and components of this determination are
detailed below.

        CALCULATION OF THE BENEFIT BASE WHEN BONUS IS NOT AVAILABLE OR AFTER
        BONUS PERIOD
        The Benefit Base on each Benefit Year anniversary is based on the
        maximum Anniversary Value. Maximum Anniversary Value equals the highest
        Anniversary Value on any Benefit Year anniversary occurring during the
        Benefit Base Evaluation Period. On each 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 both (a) and (b), where:

               (a) is the current Benefit Base; and

               (b) is all previous maximum Anniversary Values during the Benefit
                   Base Evaluation Period.

        CALCULATION OF THE BENEFIT BASE WHEN BONUS IS AVAILABLE
        The Bonus Base is used to calculate the amount of the Bonus during the
        Bonus Period. The Bonus amount is determined by multiplying the Bonus
        Percentage shown on the Endorsement Data Page by the Bonus Base. The
        initial Bonus Base is equal to the initial Eligible Purchase Payment.
        The Bonus Base is increased each time subsequent Eligible Purchase
        Payments are made. The Bonus Base also increases when the Benefit Base
        is increased as a result of a maximum Anniversary Value being achieved
        that is greater than both the current Benefit Base and all previous
        maximum Anniversary Values. The Bonus Base is decreased each time an
        Excess Withdrawal is taken, in the same proportion by which the Contract
        Value is reduced by the Excess Withdrawal. The Bonus Base is not used in
        the calculation of the Contract Value or any other benefits under the
        Contract.

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

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

                                       3
<PAGE>

               (b) the Bonus plus the current Benefit Base.

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

        [Further, if no Withdrawals are taken [during the Bonus Period] and [at
        the end of the Bonus Period] the current Benefit Base is less than the
        Guaranteed Minimum Benefit Base as shown on the Endorsement Data Page,
        We will increase the current Benefit Base so that the resulting Benefit
        Base [after the Bonus Period] is equal to the Guaranteed Minimum Benefit
        Base.]

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The MAWA is calculated by multiplying the [Benefit Base] by the Maximum Annual
Withdrawal Percentage ("MAWP"). The applicable MAWP used to calculate the MAWA
is determined by Your Age at the time You first take a Withdrawal from Your
Contract.

You may withdraw up to the MAWA throughout each Benefit Year without impacting
the annual amount guaranteed for Withdrawal under the GMWB. If You do not
withdraw the entire MAWA in a Benefit Year, You may not carry over any unused
MAWA to any subsequent Benefit Year. In addition Your MAWA for the next Benefit
Year will not be recalculated as a result of taking less than the entire MAWA in
any given Benefit Year.

Withdrawals made under the GMWB are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, charges, including
Withdrawal Charges, fees, applicable taxes, and any other benefits under the
Contract.

Increases and decreases in the Benefit Base impact Your MAWA as follows:

INCREASES IN THE BENEFIT BASE
The Benefit Base is increased when an Eligible Purchase Payment is allocated to
Your Contract. If the Benefit Base is increased for Eligible Purchase Payments,
the MAWA will be recalculated upon receipt of the Eligible Purchase Payments by
multiplying the increased Benefit Base by the applicable MAWP. In any Benefit
Year when Eligible Purchase Payments are allocated to Your Contract, any
remaining Withdrawals of MAWA will be based on the increased MAWA. If the
Benefit Base is increased on a Benefit Year anniversary, the MAWA will be
recalculated on that Benefit Year anniversary by multiplying the increased
Benefit Base by the applicable MAWP. The GMWB charge on and after that Benefit
Year anniversary is assessed on the increased Benefit Base.

DECREASES IN THE BENEFIT BASE
Excess Withdrawals reduce Your Benefit Base. Any Excess Withdrawal in a Benefit
Year reduces the Benefit Base in the same proportion by which the Contract Value
is reduced by the Excess Withdrawal. When the Contract Value is less than or
equal to the Benefit Base, Excess Withdrawals will result in a reduction of the
Benefit Base which is greater than the amount of the Excess Withdrawal. As a
result of reduction of the Benefit Base, the MAWA will also be reduced. The new
MAWA will equal the reduced Benefit Base multiplied by the applicable MAWP. The
recalculated MAWA is available for Withdrawal at the beginning of the next
Benefit Year and will be lower than Your previously calculated MAWA.

If You are taking Required Minimum Distributions ("RMD") from the Contract to
which this Endorsement is attached, and the RMD amount based only on the
Contract is greater than the MAWA in any given Benefit Year, no portion of the
RMD Withdrawal will be treated as an Excess Withdrawal. Any portion of a
Withdrawal that is greater than either the MAWA or the RMD amount based only on
the Contract to which this Endorsement is attached will be considered an Excess
Withdrawal.

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

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

     1.   The current MAWA, 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 payment option mutually agreeable between You and Us.

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

                                       4
<PAGE>

If You do not select a payment option, the remaining benefit will be paid as the
current MAWA on a [quarterly] basis until the date of Your death(s).

[EXTENSION OF THE [BENEFIT BASE EVALUATION PERIOD]/ [BONUS PERIOD] ("EXTENSION")
We may offer You [at least [one]] Extension(s) of the [Benefit Base Evaluation
Period /Bonus Period] at the end of the current [Benefit Base Evaluation Period
/ Bonus Period], [provided You are age [90] or younger at that time.] [If You
elect such an Extension, You will receive a new Endorsement with the GMWB Charge
[not exceed [2.00%]] and provisions in effect at that time.]]

LATEST ANNUITY DATE
If there is remaining Contract Value and the Benefit 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 MAWA as of the Latest Annuity Date in the
          form of a payment 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 payment 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 OPTIONS
If the Bonus is elected, We will restrict allocations to the Variable Portfolios
or available Fixed Account Option(s). We will not allow transfers or Purchase
Payment(s) to be allocated into any of the restricted investment option(s) or in
any way that is outside the established restrictions. Established restrictions
are shown on the Application/Enrollment Form. [Further, We will require
enrollment in a [quarterly] automatic asset rebalancing program]. We will notify
You if investment restrictions change.

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 GMWB
Once elected, this Endorsement [may/may not] be terminated [and deduction of any
corresponding GMWB Charge will end after the termination date. You may terminate
the Endorsement if Your termination request is received:

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

     2.   After the [5th] and through 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 this Endorsement.]]

On the Benefit Year anniversary when termination occurs the GMWB Charge will be
deducted.

This Endorsement and the related charge 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 that removes all Covered Persons; or 6. The Contract is
          terminated for any reason.

If terminated for any reason, the GWMB may not be re-elected or reinstated.

                                       5
<PAGE>

DEATH OF COVERED PERSON(s)
If there is one Covered Person, then upon the death of the Covered Person, this
Endorsement and corresponding charge are terminated.

If there are two Covered Persons, upon the first death, if the surviving Covered
Person elects to continue the Contract, this Endorsement is also continued
subject to the terms and conditions of this Endorsement. Upon the election of
continuation, the Endorsement Effective Date will not change.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

                                       6<PAGE>
                     FIRST SUNAMERICA LIFE INSURANCE COMPANY

                 OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT
                                   ENDORSEMENT

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

Subject to the terms and conditions set forth herein this optional Endorsement
provides a Guaranteed Minimum Withdrawal Benefit ("GMWB") over the lifetime of
the Covered Person(s). You may take Withdrawals under the GMWB as prescribed by
this Endorsement herein while this Endorsement is in effect.

                              ENDORSEMENT DATA PAGE

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

ENDORSEMENT EFFECTIVE DATE:                      [January 1, 2007]

BONUS ELECTED:                                   [Yes]

                                                 ------------------------------------------------------
ELIGIBLE PURCHASE PAYMENTS:                      CONTRACT  PERCENTAGE   MAXIMUM ANNUAL ELIGIBLE
                                                 YEAR(S)   INCLUDED     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
                                                 $1,000,000 without prior Company approval

GMWB CHARGE:                                     Annual fee of [0.65%] of the Benefit Base deducted
                                                 quarterly from Contract Value allocated to the
                                                 Variable Portfolio(s) or Subaccount(s) beginning one
                                                 quarter following the Endorsement Effective Date and
                                                 ending on the termination of this Endorsement.

BENEFIT BASE EVALUATION PERIOD:                  Beginning on the Endorsement Effective Date and
                                                 ending 10 years later

BONUS PERCENTAGE:                                5%

BONUS PERIOD:                                    Beginning on the Endorsement Effective Date and
                                                 ending 10 years later

BONUS AVAILABILITY:                              At the end of each Benefit Year during the Bonus
                                                 Period if Withdrawals were not made during that same
                                                 Benefit Year
</TABLE>

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP"):

<TABLE>
<CAPTION>
----------------------------------------------------
AGE AT FIRST WITHDRAWAL                      MAWP
----------------------------------------------------
<S>                                          <C>
[At least Age 50 but less than Age 65]        4%
----------------------------------------------------
[At least Age 65 but less than Age 76]        5%
----------------------------------------------------
[Age 76 and over ]                            6%
----------------------------------------------------
</TABLE>

                                       1

<PAGE>

                                   DEFINITIONS

For purposes of this Endorsement, the following definitions apply. Terms not
defined in this Endorsement shall have the same meaning as defined in the
Contract.

AGE
The attained age as of the Covered Person's last birthday. If there are two
Covered Persons on the Endorsement Data Page, the Age of the younger Covered
Person or the lone surviving Covered Person as of their last birthday.

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

BENEFIT BASE
A component of the calculation of the GMWB, which is used to determine 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 Endorsement Effective Date.

BONUS
An amount that may be added to the Benefit Base during the Bonus Period.

BONUS BASE
A component of the calculation of the GMWB, which is used to determine the
dollar amount of any Bonus during the Bonus Period.

BONUS PERIOD
The period of time over which a Bonus may be added to the Benefit Base.

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 portion thereof made on or after the Endorsement Effective
Date as shown on the Endorsement Data Page that are included in the calculation
of the Benefit Base. If this Endorsement is added after the Contract Date, for
purposes of determining the Benefit Base, the Contract Value on the Endorsement
Effective Date is considered the initial Eligible Purchase Payment. Purchase
Payments added prior to the Endorsement Effective Date are not considered
Eligible Purchase Payments. The calculation of Eligible Purchase Payments does
not include Payment Enhancements, if any, or Spousal Beneficiary continuation
contributions.

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: (a) causes the total of all
Withdrawals for that Benefit Year to exceed the Maximum Annual Withdrawal
Amount; or (b) is taken after the Maximum Annual Withdrawal Amount has been
withdrawn, except if taken to meet the Required Minimum Distribution associated
with only the Contract to which this Endorsement is attached.

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

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The maximum dollar amount available to be withdrawn each Benefit Year under the
GMWB without reducing the Benefit Base and the Bonus Base.

                                       2

<PAGE>

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")
The percentage used to determine the MAWA available for withdrawal each Benefit
Year under this Endorsement.

YOU, YOUR
The Covered Person(s) under this Endorsement.

                GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISIONS

The Guaranteed Minimum Withdrawal Benefit described in this Endorsement provides
for guaranteed Withdrawals over the lifetime of the Covered Person(s), subject
to the following provisions:

GMWB CHARGE
The GMWB Charge 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 charge for the period of
time between the date of the last GMWB charge up to and including the date of
surrender.

CALCULATION OF THE COMPONENTS OF THE GMWB
The MAWA guaranteed under this Endorsement may change over time as a result of
increases or decreases in the Benefit Base as described below.

To determine the GMWB when the Bonus is not available, We use the following
components: Benefit Base Evaluation Period, Benefit Base, MAWP and MAWA. To
determine the GMWB when the Bonus is available, the following additional
components are used: Bonus Period, Bonus Base and Bonus Percentage. The
calculations for each component are detailed below.

BENEFIT BASE
If the GMWB is elected on the Contract Date, the initial Benefit Base is the
initial Eligible Purchase Payment. If the GMWB is elected after the Contract
Date, the initial Benefit Base is equal to 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 Benefit Base
equals the Benefit Base at the beginning of that Benefit Year plus any
subsequent Eligible Purchase Payments made during that Benefit Year, less
adjustments for Excess Withdrawals that occurred during that Benefit Year. The
Benefit Base is determined as detailed below and is not used in the calculation
of Contract Value or any other benefits under the Contract. On Benefit Year
anniversaries during the Benefit Base Evaluation Period, We determine if the
Benefit Base should be increased based on the maximum Anniversary Value or any
available Bonus. The calculation and components of this determination are
detailed below.

        CALCULATION OF THE BENEFIT BASE WHEN BONUS IS NOT AVAILABLE OR AFTER
        BONUS PERIOD The Benefit Base on each Benefit Year anniversary is based
        on the maximum Anniversary Value. Maximum Anniversary Value equals the
        highest Anniversary Value on any Benefit Year anniversary occurring
        during the Benefit Base Evaluation Period. On each 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 both (a) and (b), where:

           (a) is the current Benefit Base; and

           (b) is all previous maximum Anniversary Values during the Benefit
               Base Evaluation Period.

        CALCULATION OF THE BENEFIT BASE WHEN BONUS IS AVAILABLE
        The Bonus Base is used to calculate the amount of the Bonus during the
        Bonus Period. The Bonus amount is determined by multiplying the Bonus
        Percentage shown on the Endorsement Data Page by the Bonus Base. The
        initial Bonus Base is equal to the initial Eligible Purchase Payment.
        The Bonus Base is increased each time subsequent Eligible Purchase
        Payments are made. The Bonus Base also increases when the Benefit Base
        is increased as a result of a maximum Anniversary Value being achieved
        that is greater than both the current Benefit Base and all previous
        maximum Anniversary Values. The Bonus Base is decreased each time an
        Excess Withdrawal is taken, in the same proportion by which the Contract
        Value is reduced by the Excess Withdrawal. The Bonus Base is not used in
        the calculation of the Contract Value or any other benefits under the
        Contract.

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

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

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           (b) the Bonus plus the current Benefit Base.

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

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")
The MAWA is calculated by multiplying the Benefit Base by the Maximum Annual
Withdrawal Percentage ("MAWP"). The applicable MAWP used to calculate the MAWA
is determined by Your Age at the time You first take a Withdrawal from Your
Contract.

You may withdraw up to the MAWA throughout each Benefit Year without impacting
the annual amount guaranteed for Withdrawal under the GMWB. If You do not
withdraw the entire MAWA in a Benefit Year, You may not carry over any unused
MAWA to any subsequent Benefit Year. In addition Your MAWA for the next Benefit
Year will not be recalculated as a result of taking less than the entire MAWA in
any given Benefit Year.

Withdrawals made under the GMWB are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, charges, including
Withdrawal Charges, fees, applicable taxes, and any other benefits under the
Contract.

Increases and decreases in the Benefit Base impact Your MAWA as follows:

INCREASES IN THE BENEFIT BASE
The Benefit Base is increased when an Eligible Purchase Payment is allocated to
Your Contract. If the Benefit Base is increased for Eligible Purchase Payments,
the MAWA will be recalculated upon receipt of the Eligible Purchase Payments by
multiplying the increased Benefit Base by the applicable MAWP. In any Benefit
Year when Eligible Purchase Payments are allocated to Your Contract, any
remaining Withdrawals of MAWA will be based on the increased MAWA. If the
Benefit Base is increased on a Benefit Year anniversary, the MAWA will be
recalculated on that Benefit Year anniversary by multiplying the increased
Benefit Base by the applicable MAWP. The GMWB charge on and after that Benefit
Year anniversary is assessed on the increased Benefit Base.

DECREASES IN THE BENEFIT BASE
Excess Withdrawals reduce Your Benefit Base. Any Excess Withdrawal in a Benefit
Year reduces the Benefit Base in the same proportion by which the Contract Value
is reduced by the Excess Withdrawal. When the Contract Value is less than or
equal to the Benefit Base, Excess Withdrawals will result in a reduction of the
Benefit Base which is greater than the amount of the Excess Withdrawal. As a
result of reduction of the Benefit Base, the MAWA will also be reduced. The new
MAWA will equal the reduced Benefit Base multiplied by the applicable MAWP. The
recalculated MAWA is available for Withdrawal at the beginning of the next
Benefit Year and will be lower than Your previously calculated MAWA.

If You are taking Required Minimum Distributions ("RMD") from the Contract to
which this Endorsement is attached, and the RMD amount based only on the
Contract is greater than the MAWA in any given Benefit Year, no portion of the
RMD Withdrawal will be treated as an Excess Withdrawal. Any portion of a
Withdrawal that is greater than either the MAWA or the RMD amount based only on
the Contract to which this Endorsement is attached will be considered an Excess
Withdrawal.

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

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

    1.  The current MAWA, 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 payment option mutually agreeable between You and Us.

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

If You do not select a payment option, the remaining benefit will be paid as the
current MAWA on a quarterly basis until the date of Your death(s).

                                       4

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EXTENSION OF THE BENEFIT BASE EVALUATION PERIOD ("EXTENSION")
We may offer You Extension(s) of the Benefit Base Evaluation Period at the end
of the current Benefit Base Evaluation Period, provided You are age 85 or
younger at that time. If You elect such an Extension, You will receive a new
Endorsement with the GMWB Charge and provisions in effect at that time.

LATEST ANNUITY DATE
If there is remaining Contract Value and the Benefit 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  MAWA as of the  Latest  Annuity  Date
        in the form of a payment 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 payment 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 OPTIONS
If the Bonus is elected, We will restrict allocations to the Variable Portfolios
or available Fixed Account Option(s). We will not allow transfers or Purchase
Payment(s) to be allocated into any of the restricted investment option(s) or in
any way that is outside the established restrictions. Established restrictions
are shown on the Application/Enrollment Form. Further, We will require
enrollment in a quarterly automatic asset rebalancing program. We will notify
You if investment restrictions change.

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 GMWB
Once elected, this Endorsement maybe terminated and deduction of any
corresponding GMWB Charge will end after the termination date. You may terminate
the Endorsement if Your termination request is received:

    1.  Through the 5th Benefit Year anniversary, the termination is effective
        on the 5th Benefit Year anniversary;

    2.  After the 5th and through 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 this Endorsement.;

On the Benefit Year anniversary when termination occurs the GMWB Charge will be
deducted.

This Endorsement and the related charge 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 that removes all Covered Persons; or

    6.  The Contract is terminated for any reason.

If terminated for any reason, the GWMB may not be re-elected or reinstated.

DEATH OF COVERED PERSON(S)
If there is one Covered Person, then upon the death of the Covered Person, this
Endorsement and corresponding charge are terminated.

                                       5

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If there are two Covered Persons, upon the first death, if the surviving Covered
Person elects to continue the Contract, this Endorsement is also continued
subject to the terms and conditions of this Endorsement. Upon the election of
continuation, the Endorsement Effective Date will not change.

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

FIRST SUNAMERICA LIFE INSURANCE COMPANY

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

                                       6

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