Document:

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                                                                     Ex(4)(b)(3)

                     PURCHASE PAYMENT ACCUMULATION OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

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

This Endorsement modifies the "DEATH PROVISIONS" section in the Contract, as set
forth below.

The following is added to the "DEFINITIONS" section of the Contract:

     "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of the
     Death Benefit payable to account for Purchase Payment and/or Withdrawal
     activity after a specified point in time which will equal a, b or c,
     whichever is applicable, as follows:

               (a)  Where only Purchase Payment(s) or Gross Purchase Payment(s)
                    are received after the specified point in time, the dollar
                    value of the Purchase Payments or Gross Purchase Payment(s)
                    will be added to the Death Benefit payable; or

               (b)  Where only Withdrawals are made after the specified point in
                    time, the Withdrawal will reduce the Death Benefit payable
                    in the same proportion that the Contract Value was reduced
                    at the time of the Withdrawal; or

               (c)  Where Purchase Payment(s) or Gross Purchase Payment(s) have
                    been received and Withdrawals made after the specified point
                    in time, the Death Benefit amount payable will be adjusted
                    by Purchase Payment(s) or Gross Purchase Payment(s) received
                    after a specified point in time, reduced by any Withdrawal
                    received after that specified point in time in the same
                    proportion that the Contract Value was reduced at the time
                    of the Withdrawal.

If on the Contract Date the Purchase Payment Accumulation death benefit was
elected and the Owner dies before the Annuity Date, the following provisions
apply:

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE

The annualized Purchase Payment Accumulation Death Benefit Charge is [0%-1.00%].
[This charge is deducted daily as a percentage of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
or Variable Portfolio(s), whichever is applicable, to which the Contract Value
is allocated. This charge is in addition to the other charges that are deducted
daily in Your Contract./quarterly from your Contract Value beginning one quarter
following the Contract Date. The charge is calculated as one-fourth of the
annualized charge.].

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT

If the Owner was age [74 or younger] on the Contract Date, upon Our receipt of
all Required Documentation at Our Annuity Service Center, We will calculate the
death benefit and it will be the greatest of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

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          (2)  [100% of] [Gross] Purchase Payment(s) received prior to the
               Owner's [86th] birthday compounded at [3%] interest until the
               earlier of the Owner's [75th] birthday or the date of death; and
               a Death Benefit Adjustment for purchase payment(s) transacted
               after the Owner's [75th] birthday but prior to the Owner's [86th]
               birthday and/or Withdrawals transacted after the owner's [75th]
               birthday; or

          (3)  [100%] [Gross] Purchase Payment(s) received prior to the Owner's
               [86th] birthday reduced for any Withdrawals in the same
               proportion that the Contract Value was reduced by such
               Withdrawals.

          (4)  [100% of] Contract Value at the [seventh] Contract anniversary;
               and a Death Benefit Adjustment for purchase payment(s) transacted
               after the [seventh] Contract anniversary but prior to the Owner's
               [86th] birthday and/or Withdrawals transacted after the [seventh]
               Contract anniversary.

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary continues the Contract on the Continuation Date, the
death benefit payable upon the death of the Spousal Beneficiary will be as
follows:

     If the Spousal Beneficiary was age [74 or younger] on the Continuation Date
     and death occurs prior to the [90th] birthday, upon Our receipt of all
     Required Documentation at Our Annuity Service Center, We will calculate the
     death benefit and it will be the greatest of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

          (2)  [100% of] Contract Value on the Continuation Date; and a Death
               Benefit Adjustment for [Gross] Purchase Payment(s) and/or
               Withdrawals transacted since the Continuation Date, compounded at
               [3%] interest until the earlier of the Spousal Beneficiary's
               [75th] birthday or the date of death; and a further Death Benefit
               Adjustment for [Gross] Purchase Payment(s) transacted after the
               Spousal Beneficiary's [75th] birthday but prior to the Spousal
               Beneficiary's [86th] birthday and/or Withdrawals transacted after
               the Spousal Beneficiary's [75th] birthday; or

          (3)  [100% of] Contract Value on the Continuation Date and a Death
               Benefit Adjustment for [Gross] Purchase Payment(s) transacted
               after the Continuation Date but prior to the Spousal
               Beneficiary's [86th] birthday and/or Withdrawals transacted after
               the Continuation Date; or

          (4)  [100% of] Contract Value at the [seventh] Contract anniversary;
               and a Death Benefit Adjustment for [Gross] Purchase Payment(s)
               transacted after the [seventh] Contract anniversary but prior to
               the Spousal Beneficiary's [86th] birthday and/or Withdrawals
               transacted after the [seventh] Contract anniversary.

If the Spousal Beneficiary was age [75 but younger than age 83] on the
Continuation Date [and death occurs prior to the [90th] birthday], upon Our
receipt of all Required Documentation at Our Annuity Service Center, We will
calculate the death benefit and it will be the greatest of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

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          (2)  [100% of] Contract Value on the Continuation Date, and a Death
               Benefit Adjustment for [Gross] Purchase Payment(s) transacted
               after the Continuation Date but prior to the Spousal
               Beneficiary's [86th] birthday and/or Withdrawals transacted after
               the Continuation Date; or

          (3)  [100% of] the Maximum Anniversary Value after the Continuation
               Date that occurs prior to the Spousal Beneficiary's [83rd]
               birthday. The Maximum Anniversary Value is equal to the greatest
               anniversary value attained from the following:

          As of the date of receipt at Our Annuity Service Center of all
          Required Documentation, anniversary value is equal to the Contract
          Value on a Contract anniversary and a Death Benefit Adjustment for
          purchase payment(s) transacted after that Contract anniversary but
          prior to the Spousal Beneficiary's [86th] birthday and/or Withdrawals
          transacted since that Contract anniversary.

If the Spousal Beneficiary was at least age [83 but younger than age 86] on the
Continuation Date, [and death occurs prior to the [90th] birthday,] upon receipt
at Our Annuity Service Center of all Required Documentation, We will calculate
the death benefit and it will be the greater of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

          (2)  The lesser of:

               a)   [100% of] Contract Value on the Continuation Date and a
                    Death Benefit Adjustment for [Gross] Purchase Payment(s)
                    transacted after the Continuation Date but prior to the
                    Spousal Beneficiary's [86th] birthday and/or Withdrawals
                    transacted after the Continuation Date; or

               b)   [125% of] Contract Value for the NYSE business day during
                    which We receive all Required Documentation at Our Annuity
                    Service Center.

If the Spousal Beneficiary was age [86] or older on the Continuation Date [or
death occurs after the [90th] birthday,] the death benefit will be [100% of]
Contract Value for the NYSE business day during which We receive all Required
Documentation at Our Annuity Service Center.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

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

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

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

This Endorsement modifies the "DEATH PROVISIONS" section in the Contract, as set
forth below.

The following is added to the "DEFINITIONS" section of the Contract:

     "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of the
     Death Benefit payable to account for Purchase Payment and/or Withdrawal
     activity after a specified point in time which will equal a, b or c,
     whichever is applicable, as follows:

          (a)  Where only Purchase Payment(s) or Gross Purchase Payment(s) are
               received after the specified point in time, the dollar value of
               the Purchase Payments or Gross Purchase Payment(s) will be added
               to the Death Benefit payable; or

          (b)  Where only Withdrawals are made after the specified point in
               time, the Withdrawal will reduce the Death Benefit payable in the
               same proportion that the Contract Value was reduced at the time
               of the Withdrawal; or

          (c)  Where Purchase Payment(s) or Gross Purchase Payment(s) have been
               received and Withdrawals made after the specified point in time,
               the Death Benefit amount payable will be adjusted by Purchase
               Payment(s) or Gross Purchase Payment(s) received after a
               specified point in time, reduced by any Withdrawal, received
               after that specified point in time in the same proportion that
               the Contract Value was reduced at the time of the Withdrawal.

If on the Contract Date the Maximum Anniversary Value death benefit was elected,
and the Owner dies before the Annuity Date, the following provisions apply:

MAXIMUM ANNIVERSARY OPTIONAL DEATH BENEFIT CHARGE

The annualized Maximum Anniversary Death Benefit Charge is [0%-1.00%]. This
charge is deducted [daily as a percentage of Your average daily ending value of
the assets attributable to the Accumulation Units of the Subaccount(s) or
Variable Portfolio(s), whichever is applicable, to which the Contract Value is
allocated. This charge is in addition to the other charges that are deducted
daily in Your Contract./quarterly from your Contract Value beginning one quarter
following the Contract Date. The charge is calculated as one-fourth of the
annualized charge.].

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT

If the Owner was age [82 or younger] on the Contract Date, [and death occurs
prior to the Owner's [90th] birthday], upon Our receipt of all Required
Documentation at Our Annuity Service Center, We will calculate the death benefit
and it will be the greatest of:

     (1)  [100% of] Contract Value for the NYSE business day during which We
          receive all Required Documentation at Our Annuity Service Center; or

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     (2)  [100% of] [Gross] Purchase Payment(s) received prior to the earlier of
          the Owner's [86th] birthday or date of death, reduced for any
          Withdrawals in the same proportion that the Contract Value was reduced
          by such Withdrawal; or

     (3)  [100% of] the Maximum Anniversary Value that occurs prior to the
          Owner's [83rd] birthday. The Maximum Anniversary Value is equal to the
          greatest anniversary value attained from the following:

          As of the date of receipt at our Annuity Service Center of all
          Required Documentation, anniversary value is equal to the Contract
          Value on a Contract anniversary; and a Death Benefit Adjustment for
          purchase payment(s) transacted since that Contract anniversary but
          prior to the Owner's [86th] birthday and/or Withdrawals transacted
          since that Contract anniversary.

If the Owner was at least age [[83] but younger than age [86]] on the Contract
Date, [and death occurs prior to the Owner's [90th] birthday,] upon Our receipt
of all Required Documentation at Our Annuity Service Center, We will calculate
the death benefit and it will be the greater of:

     (1)  [100% of] Contract Value for the NYSE business day during which We
          receive all Required Documentation at Our Annuity Service Center; or

     (2)  The lesser of:

          a)   [100% of] [Gross] Purchase Payment(s) received prior to the
               Owner's [86th ] birthday reduced for any Withdrawals in the same
               proportion that the Contract Value was reduced by such
               Withdrawal; or

          b)   [125% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center.

[If the Owner was age [86 or older on the Contract Date] [or age [90] or older
at the time of death], the death benefit will be the Contract Value for the NYSE
business day during which We receive all Required Documentation at Our Annuity
Service Center.

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary continues the Contract on the Continuation Date the
death benefit payable upon the death of the Spousal Beneficiary will be as
follows:

     If the Spousal Beneficiary was age [82 or younger] on the Continuation Date
     and death occurs prior to the [90th] birthday, upon Our receipt of all
     Required Documentation at Our Annuity Service Center, We will calculate the
     death benefit and it will be the greatest of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

          (2)  [100% of] Contract Value on the Continuation Date, and a Death
               Benefit Adjustment for [Gross] Purchase Payment(s) transacted
               after the Continuation Date but prior to the Spousal
               Beneficiary's [86th] birthday and/or Withdrawals transacted after
               the Continuation Date; or

          (3)  [100% of] the Maximum Anniversary Value after the Continuation
               Date that occurs prior to the Spousal Beneficiary's [83rd]
               birthday. The Maximum Anniversary Value is equal to the greatest
               anniversary value attained from the following:

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               As of the date of receipt at our Annuity Service Center of all
               Required Documentation, anniversary value is equal to the
               Contract Value on a Contract anniversary and a Death Benefit
               Adjustment for purchase payment(s) transacted after that Contract
               anniversary but prior to the Spousal Beneficiary's [86th]
               birthday and/or Withdrawals transacted since that Contract
               anniversary.

     If the Spousal Beneficiary was age [83 but younger than age 86] on the
     Continuation Date, [and death occurs prior to the [90th] birthday,] upon
     Our receipt of all Required Documentation at Our Annuity Service Center, We
     will calculate the death benefit and it will be the greater of:

          (1)  [100% of] Contract Value for the NYSE business day during which
               We receive all Required Documentation at Our Annuity Service
               Center; or

          (2)  The lesser of:

               a)   [100% of] Contract Value on the Continuation Date, and a
                    Death Benefit Adjustment for [Gross] Purchase Payment(s)
                    transacted after the Continuation Date but prior to the
                    Spousal Beneficiary's [86th] birthday and/or Withdrawals
                    transacted after the Continuation Date; or

               b)   [125% of] Contract Value for the NYSE business day during
                    which We receive all Required Documentation at Our Annuity
                    Service Center.

     If the Spousal Beneficiary was age [86 or older] on the Continuation Date
     or death occurs after the [90th] birthday, the death benefit will be the
     Contract Value for the NYSE business day during which We receive all
     Required Documentation at Our Annuity Service Center.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

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