Document:

EX-(4).(e)

Table of Contents

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

MAXIMUM ANNIVERSARY VALUE 

OPTIONAL DEATH BENEFIT ENDORSEMENT 
 This
Endorsement is 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. 

Capitalized terms within this Endorsement that are not defined in this Endorsement are defined or otherwise described in the Contract to which this
Endorsement is attached, including any endorsements or other riders attached to such Contract. 
 This Endorsement replaces the
“AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION” provisions under the “DEATH PROVISIONS” section in the Contract. 

TABLE OF CONTENTS 
  

			
	Definitions	  	Page 1
	Endorsement Data Page	  	Page 1
	Amount of Maximum Anniversary Value Death Benefit	  	Page 2
	Spousal Beneficiary Continuation	  	Page 3
	Withdrawal Adjustments	  	Page 5

 DEFINITIONS 

For purposes of this Endorsement, the following Definitions apply: 

MAXIMUM ANNUAL WITHDRAWAL AMOUNT 
 Maximum Annual
Withdrawal Amount refers to guaranteed Withdrawals applicable only if You have elected an optional guaranteed living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. 

NET PURCHASE PAYMENT(S) 
 Net Purchase Payment(s) are the
sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. 

WITHDRAWAL ADJUSTMENTS 
 Withdrawal Adjustments is the
term used to calculate how the amount of the Death Benefit will be adjusted for Withdrawals depending on the amount of the Withdrawal and whether a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and has not been
terminated. 
 ENDORSEMENT DATA PAGE 

 

			
	MAXIMUM ANNIVERSARY VALUE OPTIONAL DEATH BENEFIT CHARGE:	  	Annual fee of [0.25%] of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which Your Contract is allocated. We deduct this charge daily. This charge is in
addition to other charges, fees and expenses described in Your Contract.
		
	EFFECTIVE DATE:	  	Contract Date
		
	MAXIMUM ISSUE AGE:	  	80
		
	PURCHASE PAYMENT AGE LIMIT:	  	85

  

					
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	PURCHASE PAYMENT RESTRICTION (if a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected):	  	Purchase Payments received on or after the 1st Contract Anniversary are not accepted into the Contract.

 For Inquiries Call: [1-800-445-7862] 

AMOUNT OF MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT 

Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receipt of all Required Documentation. The Death Benefit calculation is different
depending on whether a guaranteed living benefit or guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 
 If You
were Age 80 or younger on the Contract Date, and did not elect a guaranteed living benefit or guaranteed minimum withdrawal benefit, upon Our receipt of all Required Documentation, We will calculate the Death Benefit as the greatest of: 

 

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Net Purchase Payment(s) received, up to the Purchase Payment Age Limit shown on the Endorsement Data Page; or 

  

	 	3.	The Maximum Anniversary Value that is equal to the greatest anniversary value determined prior to the earlier of: 

  

	 	a)	Your 83rd birthday; or 

  

	 	b)	Your date of death; 

 plus Purchase Payment(s) received since that Contract Anniversary, up to
the Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is further reduced by any Withdrawals in the same proportion that each such Withdrawal reduces the Contract Value since that Contract Anniversary. 

If You were Age 80 or younger on the Contract Date and elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the
Death Benefit as the greatest of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Purchase Payment(s), subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, reduced by a) or b) as follows: 

 

	 	a)	any Withdrawal Adjustments if the benefit has not been terminated; or 

  

	 	b)	any Withdrawal Adjustments prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring on and after the date the benefit is terminated, in the same proportion that each such Withdrawal
reduces the Contract Value; or 

  

	 	3.	The Maximum Anniversary Value that is equal to the greatest anniversary value determined prior to the earlier of: 

i) Your 83rd birthday; or 

ii) Your date of death; 

  

					
	AGE-8023 (12/15)	  	2	  	

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 plus Purchase Payment(s) received since that Contract Anniversary, subject to the Purchase
Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is reduced by a) or b) as follows: 
  

	 	a)	any Withdrawal Adjustments if the benefit has not been terminated; or 

  

	 	b)	any Withdrawal Adjustments prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring on and after the date the benefit is terminated, in the same proportion that each such Withdrawal
reduces the Contract Value. 

 Spousal Beneficiary Continuation 

If eligible, the Spousal Beneficiary may elect to continue the Contract. On the Continuation Date, We will contribute to the Contract Value an amount by which
the Death Benefit that would have been paid to the Spousal Beneficiary exceeds the Contract Value, if any, as of the Business Day during which We receive all Required Documentation. When applicable, this amount is not considered a Purchase Payment
except in the calculation of certain death benefits upon the death of the Spousal Beneficiary. If this option is elected, no Death Benefit is paid out to the Spousal Beneficiary on the Continuation Date. 

If the Spousal Beneficiary continues the Contract, the Death Benefit calculation is different depending on whether a guaranteed living benefit or guaranteed
minimum withdrawal benefit has been elected and if the benefit has been terminated. Upon the Spousal Beneficiary’s death, We will pay a Death Benefit to the Beneficiary upon Our receipt of all Required Documentation. 

If the Spousal Beneficiary was Age 80 or younger on the Continuation Date, and if the Owner did not elect a guaranteed living benefit or guaranteed minimum
withdrawal benefit, We will calculate the Death Benefit as the greatest of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received after the Continuation Date, up to the Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is further reduced by any
Withdrawals in the same proportion that each such Withdrawal reduces the Contract Value after the Continuation Date; or 

  

	 	3.	The Maximum Anniversary Value after the Continuation Date that is equal to the greatest anniversary value determined prior to the earlier of: 

 

	 	a)	The Spousal Beneficiary’s 83rd birthday; or 

  

	 	b)	The Spousal Beneficiary’s date of death; 

 plus Purchase Payment(s) received after the
Continuation Date and since that Contract Anniversary, up to the Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is further reduced by any Withdrawals in the same proportion that each such Withdrawal reduces the Contract
Value since that Contract Anniversary. 
 If the Spousal Beneficiary was Age 80 or younger on the Continuation Date, and if the Owner elected a guaranteed
living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greatest of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

					
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	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received after the Continuation Date, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page,
and this sum is reduced by a) or b) as follows: 

  

	 	a)	any Withdrawal Adjustments if the benefit has not been terminated; 

  

	 	b)	any Withdrawal Adjustments prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring on and after the date the benefit is terminated, in the same proportion that each such Withdrawal
reduces the Contract Value; or 

  

	 	3.	The Maximum Anniversary Value after the Continuation Date that is equal to the greatest anniversary value determined prior to the earlier of: 

 

	 	i)	the Spousal Beneficiary’s 83rd birthday; or 

  

	 	ii)	the Spousal Beneficiary’s date of death; 

 plus Purchase Payment(s) received after the
Continuation Date and since that Contract Anniversary, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is reduced by a) or b) as follows: 

 

	 	a)	any Withdrawal Adjustments since that anniversary if the benefit has not been terminated; or 

  

	 	b)	any Withdrawal Adjustments since that anniversary but prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring since that anniversary and on and after the date the benefit is
terminated, in the same proportion that each such Withdrawal reduces the Contract Value. 

 If the Spousal Beneficiary was at least Age 81 but
younger than Age 86 on the Continuation Date, and if the Owner did not elect a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 

 

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received after the Continuation Date, up to the Purchase Payment Age Limit shown on the Endorsement Data Page and prior to the Spousal
Beneficiary’s 86th birthday, and this sum is reduced proportionately for any Withdrawals after the Continuation Date. 

If the Spousal Beneficiary was at least Age 81 but younger than Age 86 on the Continuation Date, and if the Owner elected a guaranteed living benefit or
guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received after the Continuation Date, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page,
and this sum is reduced by (a) or (b) as follows: 

  

	 	a)	any Withdrawal Adjustments after the Continuation Date if the benefit has not been terminated; or 

  

					
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	 	b)	any Withdrawal Adjustments after the Continuation Date and prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring on and after the Continuation Date and after the date the benefit
is terminated in the same proportion that each such Withdrawal reduces the Contract Value. 

 If the Spousal Beneficiary was Age 86 or older
on the Continuation Date, the amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required Documentation. 

Withdrawal Adjustments 
 If
a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and the benefit has not been terminated, the amount of the Death Benefit will be adjusted for Withdrawals as follows: 

 

	 	1.	If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken prior to Your 81st birthday and are less than or equal to the
Maximum Annual Withdrawal Amount, the amount of adjustment will be the amount of each Withdrawal; or 

  

	 	2.	If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken on and/or after Your 81st birthday and/or are in excess of the
Maximum Annual Withdrawal Amount, the amount of adjustment is equal to the proportion that the amount of each Withdrawal in excess of the Maximum Annual Withdrawal Amount reduces the Contract Value. 

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

							
	

 	  	

	  	

	 	

 

  

					
	AGE-8023 (12/15)	  	5EX-(4).(f)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT 

Notwithstanding any provision in the Contract to the contrary, this Endorsement becomes a part of the Contract to which it is attached. Should
any provision in this Endorsement conflict with the Contract, the provisions of this Endorsement will prevail. 
 Subject to the terms
and conditions set forth herein this optional Guaranteed Living Benefit Endorsement provides for guaranteed income over the lifetime of the Covered Person(s) on this flexible premium deferred fixed and variable Annuity Contract. You may take
Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this Endorsement is in effect. 
 The purpose
of the guaranteed living benefit provided under this annuity contract is to provide security through a stream of income payments to the owner. The guaranteed living benefit will terminate upon assignment or a change in ownership of the contract
unless the new assignee or owner meets the qualifications specified in the Termination provision of the guaranteed living benefit. 

Capitalized terms within this Endorsement that are not defined in this Endorsement are defined or otherwise described in the Contract to which
this Endorsement is attached, including any riders or other endorsements attached to such Contract. 
 ENDORSEMENT DATA PAGE

  

			
	COVERED PERSON(S):	  	 [John Doe
 Jane
Doe]

		
	ENDORSEMENT EFFECTIVE DATE:	  	 [November 1, 2016]

		
	PURCHASE PAYMENT DOLLAR LIMIT:	  	 The sum of all Purchase Payments cannot exceed $1,000,000 without prior Company approval.

		
	PURCHASE PAYMENT RESTRICTION:	  	 Purchase Payments received on or after the first Contract Anniversary will not be accepted into the Contract.

		
	INVESTMENT REQUIREMENTS:	  	 Every Purchase Payment and Spousal Beneficiary Continuation contribution, if any, must be allocated by You in accordance
with the investment options approved by Us, which includes a mandatory allocation of every Purchase Payment and Spousal Beneficiary Continuation contribution, if any, to the Secure Value Account, as shown below. We will notify You of any change to
the permitted investment options.

		
	SECURE VALUE ACCOUNT ALLOCATION:	  	 [10%] of Purchase Payment(s) and Spousal Beneficiary Continuation contribution, if applicable.

 ENDORSEMENT FEE: 

The Endorsement Fee is assessed against the Income Base and deducted from the Contract Value at the end of each Benefit Quarter starting 1
Benefit Quarter following the Endorsement Effective Date. The Initial Annual Fee Rate is guaranteed not to change for the first Benefit Year. After the first Benefit Year, on each Benefit Quarter Anniversary, we will (1) deduct the fee in
effect for the previous Benefit Quarter; and (2) determine the fee rate applicable to the next Benefit Quarter. The upcoming quarterly fee rate will be provided to the Owner(s) in a statement of account activity of the Contract. The fee rate
can increase or decrease each Benefit Quarter, but will never be less than the Minimum Annual Fee Rate and will never be more than the Maximum Annual Fee Rate, as shown in the table below: 

									
	     Number of
Covered    
 Persons on

Endorsement
 Effective
Date
	  	
    Initial Annual    

Fee Rate
	  	
    Minimum Annual    

Fee Rate
	  	
    Maximum Annual    

Fee Rate
	  	
    Maximum Annualized    

Fee Rate Increase or

Decrease Each Benefit

Quarter*

	
One Covered Person
	  	[1.10%]	  	[0.60%]	  	[2.20%]	  	+/- [0.25%]
	
Two Covered Persons
	  	[1.35%]	  	[0.60%]	  	[2.70%]	  	+/- [0.25%]

   *The fee rate can increase or decrease no more than 0.0625% each quarter (0.25%/4). 

  

					
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	 GROSS INCOME CREDIT PERCENTAGE:
	  	 6.0%

		
	 INCOME CREDIT PERIOD:
	  	 Beginning on the Endorsement Effective Date and ending 12 years later

 MAXIMUM ANNUAL WITHDRAWAL AND PROTECTED INCOME PAYMENT PERCENTAGES: 

									
	Covered Person(s) Age at First
Withdrawal	  	Maximum Annual Withdrawal  
Percentage	 	Protected Income Payment Percentage
	  	(One Covered    
Person)	 	(Two Covered    
Persons)	 	(One or Two    
Covered
Person(s)	 	
If the Income Base is increased to    

  the Highest Anniversary Value on    

or after Age 65
 (One or
Two Covered Person(s))

	
 Less than Age 65
	  	[5.5%]	 	[5.0%]	 	[3.0%]	 	[4.0%]
	
 Age 65 and older
	  	[6.0%]	 	[5.5%]	 	[4.0%]	 	[4.0%]

  

			
	MINIMUM INCOME BASE:	  	 200% of Purchase Payments received in the 1st Benefit Year effective
on the 12th Benefit Year Anniversary provided no Withdrawals are taken before the 12th Benefit Year Anniversary.

		
	 EARLIEST CANCELLATION DATE OF THE

GUARANTEED LIVING BENEFIT:
	  	 The 4th Benefit Year Anniversary following the Endorsement Effective
Date

 CHARGE FOR PARTIAL/FULL BENEFIT TERMINATION: 

You may incur a Charge for Partial/Full Benefit Termination if You take a partial Withdrawal that exceeds the Maximum Annual Withdrawal Amount
or a total Withdrawal of all Your Contract Value before the end of the 4th Benefit Year Anniversary following the Endorsement Effective Date. The Charge for Partial/Full Benefit Termination is
assessed against the amount in excess of the Maximum Annual Withdrawal Amount and deducted from: 

	 	1)	 The partial Withdrawal amount on the date a Withdrawal in excess of the Maximum Annual Withdrawal Amount is
taken; and 

	 	2)	 The Contract Value upon a total Withdrawal of all Your Contract Value. 

The Charge for Partial/Full Benefit Termination is shown below. 
  

			
	
NUMBER OF FULL BENEFIT YEARS ELAPSED

SINCE ENDORSEMENT EFFECTIVE DATE
	  	
  CHARGE FOR PARTIAL/FULL  

BENEFIT TERMINATION*

	
0
	  	3.00%
	
1
	  	2.00%
	
2
	  	2.00%
	
3
	  	1.00%
	
4+
	  	0.00%

 *Assessed as a percentage of the Withdrawal amount in excess of Maximum Annual Withdrawal Amount upon a partial
Withdrawal or the Contract Value in excess of Maximum Annual Withdrawal Amount upon a total Withdrawal of all Your Contract Value. 
  

DEFINITIONS 

  

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

The attained age as of the Covered Person’s last birthday. If there are two Covered Persons on the Endorsement Data Page, the Age of the
younger Covered Person or in the event of the death of one Covered Person, the surviving Covered Person as of their last birthday. 
 BENEFIT ANNIVERSARY
VALUE 
 The Contract Value including any applicable Spousal Beneficiary Continuation contribution, as measured on each Benefit Year
Anniversary. 
 BENEFIT QUARTER 
 Each consecutive
3-month period starting on the Endorsement Effective Date. 
 BENEFIT QUARTER ANNIVERSARY 

The date following each consecutive 3-month period starting on the Endorsement Effective Date. If the next Benefit Quarter Anniversary has no
corresponding date the Benefit Quarter Anniversary will be deemed to be the following day. 
 BENEFIT YEAR 

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

BENEFIT YEAR ANNIVERSARY 
 The date on which each Benefit
Year begins. 
 COVERED PERSON(S) 
 The
person(s) named on the Endorsement Data Page whose lives are used to determine the amount and duration of Withdrawals. The Covered Person(s) cannot be changed. 

EARLIEST CANCELLATION DATE OF THE GUARANTEED LIVING BENEFIT 

The earliest Benefit Year Anniversary is as shown on the Endorsement Data Page. This is the earliest date You may cancel this Endorsement. 

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

Any Withdrawal in a Benefit Year taken after the Maximum Annual Withdrawal Amount has been withdrawn; and/or any portion of a Withdrawal that
causes the total Withdrawals in a Benefit Year to exceed the Maximum Annual Withdrawal Amount. 
 HIGHEST ANNIVERSARY VALUE 

The Benefit Anniversary Value that is the greater of (1) all Benefit Anniversary Values; and (2) Purchase Payments, subject to the
Purchase Payment Restriction shown on the Endorsement Data Page while this Endorsement is effective and the Contract Value is greater than zero. 

INCOME BASE 
 The Income Base is used to determine the
Endorsement Fee, Maximum Annual Withdrawal Amount and Protected Income Payment. 
 INCOME CREDIT 

An amount that may be added to the Income Base during the Income Credit Period that is equal to the Net Income Credit Percentage multiplied by
the Income Credit Base. 
 INCOME CREDIT BASE 
 A factor
which is used to determine the amount of any Income Credit during the Income Credit Period. 
 INCOME CREDIT PERIOD 

The period of time over which We calculate an Income Credit that may be added to the Income Base. 

  

					
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 MAXIMUM ANNUAL WITHDRAWAL AMOUNT 

The maximum amount that may be withdrawn each Benefit Year while the Contract Value is greater than zero and the Covered Person(s) is living,
without reducing the Income Base and the Income Credit Base, if applicable and also without reducing any Income Credit to zero. 
 MAXIMUM ANNUAL
WITHDRAWAL PERCENTAGE 
 The percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual Withdrawal
Amount available for Withdrawal each Benefit Year while the Contract Value is greater than zero and the Covered Person(s) is living. 
 MINIMUM INCOME
BASE 
 The guaranteed minimum amount to which the Income Base and the Income Credit Base, if applicable, could be increased on a
specified Benefit Year Anniversary provided no Withdrawals are taken before the 12th Benefit Year Anniversary. 

NET INCOME CREDIT PERCENTAGE 
 A
percentage calculated as the difference between the Gross Income Credit Percentage as shown on the Endorsement Data Page, and the percentage calculated as the sum of all Withdrawals taken during the preceding Benefit Year divided by the Income Base
before determining the Income Base for the next Benefit Year. 
 PROTECTED INCOME PAYMENT 

The amount to be paid each year over the remaining lifetime of the Covered Person(s) after the Contract Value is reduced to zero but the Income
Base is still greater than zero. 
 PROTECTED INCOME PAYMENT PERCENTAGE 

The percentage, as referenced on the Endorsement Data Page, used to determine the Protected Income Payment. 

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

 GUARANTEED LIVING BENEFIT PROVISIONS 

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

To determine the Guaranteed Living Benefit, We use the following factors: Income Base, Income Credit Base, Income Credit, Net Income Credit
Percentage, Income Credit Period, Minimum Income Base, Maximum Annual Withdrawal Amount, Maximum Annual Withdrawal Percentage, Protected Income Payment and Protected Income Payment Percentage. These factors are not used in the calculation of the
Contract Value or any other benefits under the Contract. 
 Withdrawals taken under this Living Benefit are treated like any other
Withdrawal under the Contract for purposes of calculating Contract Value, including any fees and charges applicable to any other benefits under the Contract. In any Benefit Year, Withdrawals up to Maximum Annual Withdrawal Amount are not subject to
the Charge for Partial/Full Benefit Termination shown on the Endorsement Data Page. 
 Calculation of the Income Base 

Calculation of the Income Base if the Endorsement is Elected on the Contract Date 

If this Living Benefit is elected on the Contract Date, the initial Income Base is equal to the initial Purchase Payment. 

Calculation of the Income Base if the Endorsement is Elected After the Contract Date 

If this Living Benefit is elected after the Contract Date, the initial Income Base is the Contract Value on the Endorsement
Effective Date, which is considered the initial Purchase Payment and is subject to the Purchase Payment Restriction shown on the Endorsement Data Page. 

Thereafter, on each Benefit Year Anniversary, the Income Base is automatically increased to the greater of (a), or (b) where: 

 

	 	(a)	 is the Highest Anniversary Value; and 

  

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

The Income Base will continue to be calculated on each Benefit Year Anniversary while this Endorsement is in effect and both the Contract
Value and Income Base are greater than zero. 
 Calculation of the Income Credit Base 

Calculation of the Income Credit Base if the Endorsement is Elected on the Contract Date 

The Income Credit Base is used to calculate the amount of the Income Credit during the Income Credit Period. If this Living
Benefit is elected on the Contract Date, the initial Income Credit Base is equal to the initial Purchase Payment. 

Calculation of the Income Credit Base if the Endorsement is Elected After the Contract Date 

If this Living Benefit is elected after the Contract Date, the initial Income Credit Base is the Contract Value on the
Endorsement Effective Date, which is considered the initial Purchase Payment and is subject to the Purchase Payment Restriction shown on the Endorsement Data Page. 

Thereafter, the Income Credit Base is increased and decreased as follows: 

Increases in the Income Credit Base 
 The
Income Credit Base increases each time Purchase Payments are made, subject to the Purchase Payment Restriction shown on the Endorsement Data Page. The Income Credit Base also increases to the Highest Anniversary Value when the Income Base is
increased to the Highest Anniversary Value. 
 Decreases in the Income Credit Base 

The Income Credit Base decreases each time an Excess Withdrawal is taken, in the same proportion by which the Contract Value is reduced by the
amount in excess of the Maximum Annual Withdrawal Amount. 
 Calculation of the Income Credit 

On each Benefit Year Anniversary during the Income Credit Period, if Excess Withdrawals were not taken during the previous Benefit Year, the
Income Credit is determined by multiplying the Net Income Credit Percentage by the Income Credit Base. If any Excess Withdrawals were taken in the previous Benefit Year, then the Income Credit is reduced to zero for that Benefit Year. The Gross
Income Credit Percentage is shown on the Endorsement Data Page. 
 Calculation of the Minimum Income Base 

Calculation of the Minimum Income Base if the Endorsement is Elected on the Contract Date 

If this Living Benefit is elected on the Contract Date, the Minimum Income Base is as shown on the Endorsement Data Page. 

Calculation of the Minimum Income Base if the Endorsement is Elected After the Contract Date 

If this Living Benefit is elected after the Contract Date, the Minimum Income Base is 200% of the Contract Value on the
Endorsement Effective Date, which is considered the initial Purchase Payment and is subject to the Purchase Payment Restriction shown on the Endorsement Data Page. 

The Income Base and Income Credit Base, if applicable, will be increased to at least the Minimum Income Base on the 12th Benefit Year Anniversary, provided no Withdrawals are taken prior to that anniversary. If You are eligible for the Minimum Income Base, the Income Base on the 12th Benefit Year Anniversary is the greater of (a) or (b), where: 
  

	 	(a)	 is the current Income Base; and 

 

	 	(b)	 is the Minimum Income Base. 

Calculation of the Maximum Annual Withdrawal Amount 

The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum Annual Withdrawal Percentage as shown on the
Endorsement Data Page, which is determined by Your Age at the time You first take a Withdrawal from Your Contract and the number of Covered Person(s) shown on the Endorsement Data Page. 

Withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Maximum
Annual Withdrawal Amount and the Income Base, and the Income Credit Base if applicable. If you take an Excess Withdrawal in a Benefit Year, the Income Credit is reduced to zero for that Benefit Year. If You choose to take less than the Maximum
Annual Withdrawal Amount in any Benefit Year, You may not carry over the unused amount for 

  

					
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withdrawal in subsequent Benefit Years. Your Maximum Annual Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal
Amount in the prior year. 
 Calculation of the Protected Income Payment 

If the Contract Value is reduced to zero due to unfavorable investment performance, Withdrawal up to the Maximum Annual Withdrawal Amount, or
any combination of these factors, but the Income Base is still greater than zero, You may be eligible to receive the Protected Income Payment. The Protected Income Payment is calculated by multiplying the Income Base by the applicable Protected
Income Payment Percentage, which is determined by Your Age at the time You first take a Withdrawal from Your Contract, as shown on the Endorsement Data Page. You will receive the Protected Income Payment each year for the remaining lifetime of the
Covered Person(s). 
 Increases and Decreases in the Income Base and the Impact to Your Maximum Annual Withdrawal Amount 

Increases in the Income Base 
 The Income
Base is increased anytime a Purchase Payment is allocated to Your Contract, subject to the Purchase Payment Restriction shown on the Endorsement Data Page. The Income Base is also increased by any available Income Credit on any Benefit Year
Anniversary during the Income Credit Period if You have taken no Excess Withdrawals, or as a result of a Highest Anniversary Value being achieved resulting in the Income Base being stepped up on a Benefit Year Anniversary. In addition, the Income
Base can also be increased to the Minimum Income Base on the 12th Benefit Year Anniversary, provided no Withdrawals are taken before the 12th
Benefit Year Anniversary. In the Benefit Year(s) during which Purchase Payments are allocated to Your Contract, any remaining Withdrawals of the Maximum Annual Withdrawal Amount will be based on the increased Maximum Annual Withdrawal Amount reduced
by Withdrawals previously taken in that Benefit Year. If the Income Base is increased on a Benefit Year Anniversary, the Maximum Annual Withdrawal Amount will be recalculated on that Benefit Year Anniversary, applicable to the coming Benefit Year,
by multiplying the increased Income Base by the applicable Maximum Annual Withdrawal Percentage. The Endorsement Fee will be assessed on the increased Income Base. 

Decreases in the Income Base 
 Excess
Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal in a Benefit Year reduces the Income Base in the same proportion by which the Contract Value is reduced by the Excess Withdrawal. As a result of a
reduction of the Income Base, the Maximum Annual Withdrawal Amount will also be reduced. The new Maximum Annual Withdrawal Amount will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last
recalculated Maximum Annual Withdrawal Amount in a given Benefit Year is available for Withdrawal at the beginning of the next Benefit Year and may be lower than the previous Benefit Year’s Maximum Annual Withdrawal Amount. When the Contract
Value is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the amount of the Excess Withdrawal. In addition, no Income Credit will be added to the Income Base in that Benefit Year. 

The Income Base is a factor used to determine the Maximum Annual Withdrawal Amount and Protected Income Payment as well as the Endorsement
Fee. The Income Base is not an amount that You can withdraw in a lump sum and is not payable as a death benefit. Excess Withdrawals may reduce future benefits by more than the dollar amount of the Withdrawal. Excess Withdrawals will incur a Charge
for Partial/Full Termination if they occur during the applicable period indicated on the Endorsement Data Page. If You have any questions regarding whether a potential Withdrawal would be an Excess Withdrawal, please call Our Annuity Service Center.

 Required Minimum Distributions (RMD) 

This provision applies only to the Contract to which this Endorsement is attached. If you are taking RMD and the RMD amount, based only
on this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit Year, no portion of the RMD will be treated as an Excess Withdrawal provided you enroll in the Company’s systematic withdrawal program for RMD. However,
any portion of a Withdrawal in a Benefit Year that is more than the greater of both the Maximum Annual Withdrawal Amount and the RMD amount will be considered an Excess Withdrawal for the purpose of the recalculation of the Income Credit Base,
Income Base and Maximum Annual Withdrawal Amount. Furthermore, the Income Credit will be reduced to zero if total Excess Withdrawals taken in any Benefit Year, including RMD withdrawals, are in excess of the Maximum Annual Withdrawal Amount. 

If Your Contract Value Is Reduced to Zero 

If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will be payable under this Endorsement or the
Contract, and Your Contract along with the Endorsement will terminate. However, if Your Contract Value is reduced to zero due to unfavorable investment performance and/or fees, Withdrawal(s) up to the Maximum Annual

  

					
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Withdrawal Amount (or if applicable, the RMD amount as described above) or any combination of these factors, and the Income Base is greater than zero, We will pay the remaining Maximum Annual
Withdrawal Amount for that Benefit Year in the same frequency withdrawals had been taken, i.e. monthly or quarterly. Thereafter, we will pay the Protected Income Payment over the remaining lifetime of the Covered Person(s) which will be calculated
by multiplying the Income Base by the Protected Income Payment Percentage, as shown on the Endorsement Data Page. 
 Because the Contract
Value has been reduced to zero, the Income Base will no longer be increased to the Highest Anniversary Value, no Endorsement Fees will be deducted, and if applicable Income Credits will not be applied. In addition, all other benefits under the
Contract with the exception of payment of the Protected Income Payment, will be terminated and You may no longer make subsequent Purchase Payments or transfers, and no Death Benefit is payable. 

When the Contract Value equals zero and the Income Base is greater than zero, to receive any remaining Living Benefit, you must select one of
the following payment options: 
  

	 	1.	 The Protected Income Payment, divided equally and paid on a monthly, 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 select a payment option, it cannot be changed. If You do not select a payment option above, the remaining benefit will be paid as an
amount based on the Protected Income Payment Percentage. This amount will be divided equally and paid on a quarterly basis until the date of death of the Covered Person(s). 

Latest Annuity Date 
 If the Contract
Value and the Income Base are greater than zero on the Latest Annuity Date, You must select one of the following options: 
  

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

 

	 	2.	 Annuitize the Contract and elect to receive the current Maximum Annual Withdrawal Amount as of the Latest
Annuity Date for a fixed period while You are alive. The fixed period is determined by dividing the contract value on the Latest Annuity Date by the Maximum Annual Withdrawal Amount. Any applicable premium taxes will be deducted from the Contract
Value prior to determining the fixed period. After that fixed period ends, you will receive the Protected Income Payment, as of the Latest Annuity Date, divided equally and paid on a monthly, quarterly, semi-annual or annual frequency as selected by
You until the date of death of the Covered Person(s); 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 may annuitize the Contract Value in accordance with Option 2
above, divided equally and paid on a quarterly frequency until the date of death of the Covered Person(s). Endorsement Fees are no longer deducted upon annuitization on the Latest Annuity Date. 

Secure Value Account Allocation(s) 
 If
applicable, Secure Value Account Allocation(s) is/are required only while the Endorsement is effective. Amounts allocated to the Secure Value Account(s) are not subject to the Separate Account Charge. Amounts allocated to the Secure Value Account(s)
may not be transferred to any other investment option as long as the Endorsement is effective and We will not rebalance amounts allocated to the Secure Value Account(s) in accordance with the automatic asset rebalancing program. You may not transfer
into or out of the Secure Value Account(s). You may not request the entire amount of any Withdrawal to be deducted solely from the Secure Value Account(s). Rather, any Withdrawal reduces the amount invested in the Secure Value Account(s) in the same
proportion that the Withdrawal reduces the Contract Value. 
 Investment Requirements 

If applicable, in addition to the Secure Value Account Allocation, while the Endorsement is effective, We require that you allocate your
Purchase Payment(s) and Spousal Beneficiary Continuation contribution, if applicable, and Contract Value in accordance with established requirements stated in the Prospectus. We require enrollment in a quarterly automatic asset rebalancing program
that complies with the investment requirements. In addition to quarterly asset rebalancing, We will initiate rebalancing in accordance with your most current and compliant automatic asset rebalancing instructions on file after any Withdrawal or
transfer You initiate. 
 Periodic Report 

At least once during each Contract Year, We will send You a statement of the account activity of this Endorsement. The statement shall contain
information regarding the Income Base and Maximum Annual Withdrawal Amount. 

  

					
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 Misstatement of Age or Sex 

The Misstatement of Age or Sex provision included in Your Contract shall apply to the Covered Person(s) under this Endorsement and may impact
the Maximum Annual Withdrawal Amount. 
 Termination of Withdrawals Over Two Lives 

If there are two Covered Persons on the Endorsement Effective Date, 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 any reason other than death; 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, including the applicable Endorsement Fee, which is based on the number of Covered Persons on this Endorsement Effective Date. 

Cancellation of the Guaranteed Living Benefit 

You may cancel this Endorsement as detailed below on or after the Earliest Cancellation Date of the Guaranteed Living Benefit as shown on the
Endorsement Data Page. You may cancel this Endorsement by means of a Written request as detailed below. The Guaranteed Living Benefit may not be re-elected or reinstated after a cancellation. 

Cancellation Effective Date 
 If Your cancellation request
is received: 
  

	 	1.	 On or before the Earliest Cancellation Date of the Guaranteed Living Benefit, the cancellation is effective on
the Earliest Cancellation Date of the Guaranteed Living Benefit date as shown on the Endorsement Data Page; 

	 	2.	 In any Benefit Year after the Earliest Cancellation Date of the Guaranteed Living Benefit date, the
cancellation is effective on the Benefit Quarter Anniversary following Our receipt of the cancellation request. 

 Termination of
the Guaranteed Living Benefit 
 This Endorsement and the Endorsement Fee will terminate automatically upon the occurrence of one of the
following: 
  

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

	 	2.	 A Death Benefit is paid resulting in the Contract being terminated; or 

	 	3.	 The Contract is annuitized; or 

	 	4.	 An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or 

	 	5.	 Any change occurs that removes one or all Covered Persons from the Contract except as noted above under
“Termination of Withdrawals Over Two Lives”; or 

	 	6.	 The Contract is cancelled or surrendered for any reason; or 

	 	7.	 A Change of Owner (or assignment). See “Change of Owner/Assignment” section below; or

	 	8.	 You elect to cancel this Endorsement. 

On the termination effective date, amounts allocated to the Secure Value Account will be automatically transferred to a 1-Year Fixed Account
option, if available, or a money market or similar portfolio. Purchase Payments may no longer be allocated to the Secure Value Account after termination. From the day following the automated transfer, you may transfer this amount to another
available investment option under the Contract for a period of 90 days during which the transfer will not count against the annual number of free transfers or incur a transfer fee. 

If You surrender Your Contract or a Change of Owner/Assignment occurs (outside of the provisions detailed below) while Your Contract Value is
greater than zero, We will assess a pro-rata charge for the Endorsement Fee applicable to the Benefit Quarter in which the surrender or Change of Owner/Assignment occurs if the Contract was surrendered before the end of a Benefit Quarter. The
pro-rated charge is calculated by multiplying the fee by the number of days between the date when the prior fee was last assessed and the date of surrender or Change of Owner/Assignment, divided by the number of days between the prior and the next
Benefit Quarter Anniversaries. Thereafter, You will no longer be charged an Endorsement Fee. If You surrender Your Contract, You will also incur a Charge for Partial/Full Benefit Termination if You take a total Withdrawal of all Your Contract Value
during the applicable period indicated on the Endorsement Data Page. 
 Change of Owner/Assignment 

If this Endorsement is attached to the Contract and has not been terminated, a Change of Owner/Assignment will terminate this Endorsement
unless: 

  

					
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	 	1.	 The Covered Person(s) becomes the new Owner(s) or assignee(s) and assumes full ownership of the Contract and
is essentially the same person; or 

	 	2.	 The new Owner or assignee is a trust or other non-natural person and the Covered Person(s) are the
Annuitant(s); or 

	 	3.	 The assignment is for the purpose of effectuating a 1035 exchange of the contract (i.e., the Endorsement may
continue during the temporary assignment period and will not terminate until the date the contract is surrendered). 

 Death of Covered
Person(s) 
 If there is one Covered Person and that person dies, this Endorsement and the Endorsement Fee will be terminated. 

If there are two Covered Persons, upon the first death, if the surviving Covered Person is eligible and elects to continue the Contract, this
Endorsement is also continued. Upon the election of continuation, the Endorsement Effective Date, applicable Endorsement Fee, and the Maximum Annual Withdrawal and Protected Income Payment Percentages based on two Covered Persons will not change.

 Termination 
 This Endorsement will
terminate on the date the Contract terminates or as otherwise provided in the “Cancellation of the Guaranteed Living Benefit” and “Termination of the Guaranteed Living Benefit” above. 

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

AMERICAN GENERAL LIFE INSURANCE COMPANY 
  

			
	

	  	

  
  

Copyright © 2016 American International Group, Inc. All rights reserved.

  

					
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