Document:

Performance Lock Rider

  

  

  This rider provides the option to lock in an Index Option Value on an Indexed Option.

  

  

  

  

  This rider forms a part of the Base Contract to which it is attached. The rider is effective on the Index
    Effective Date shown on your Index Options statement.

  

  

  This rider references Withdrawal Charges, Partial MVAs, Contract Charges, and Advisory Fees. Your contract may not include all of these references,
    so please defer to your Base Contract to determine which of these charges or adjustments applies to you.

  

  

  Definitions

  

  

  The following terms are added to the “Definitions” section.

  

  

  Lock Date

  The Business Day that we receive an Authorized Request for a Performance Lock.

  

  

  Term

  The period of time from the Term Start Date to the Term End Date. The Term length is shown on the Index Options Contract
    Schedule and may change as described in the Performance Lock section.

  

  

  Term Start Date

  The day on which a Term begins. A Term Start Date may only occur on the Index Effective Date or an Index Anniversary, except as
    provided in the Performance Lock provision.

  

  

  Performance Lock

  

  

  We process an Authorized Request to exercise a Performance Lock on the Lock Date based on the values at
    the end of the Business Day. The Lock Date may not be a Term End Date. On Index Options where there is no possibility of a negative Performance Credit, we will not process a Performance Lock if the Daily Adjustment is zero. If you exercise a
    Performance Lock, you may receive less than the what you would have received as a Performance Credit on the Term End Date and you may receive less than the full protection of the Floor or Buffer, if applicable.

  You can request a Performance Lock of the current Index Option Value for an unlocked Index Option. Once
    an Index Option Value has been locked:

  
    	
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            The locked Index Option will not receive a Performance Credit on the Term End Date;

          

  

  
    	
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            You cannot unlock a locked Index Option; and

          

  

  
    	
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            The Index Option Value will not change until the earlier of the Business Day that we approve your Early Reallocation Request or the
              Index Anniverary that occurs on or immediately after the Lock Date, unless it is reduced for Withdrawals (including any corresponding Withdrawal Charges or Partial MVAs), Contract Charges, and/or Advisory Fees.

          

  

  

  

  You may reallocate a locked Index Option into the same or a new Index Option(s) to begin a new Term if you provide an Early Reallocation Request
    before the end of the last Business Day before the Early Reallocation Cutoff, if applicable. The Early Reallocation Cutoff is shown on the Index Options Contract Schedule. You may reallocate locked Index Option Values subject to the Early Reallocation
    Maximum shown on the Index Options Contract Schedule. The Early Reallocation Request may include reallocation instructions for more than one locked Index Option. Once you have met the Early Reallocation Maximum, you will not be able to reallocate a
    locked Index Option for the remainder of the Index Year.

  
    
      	
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              [Admin. Tracking Identifier]

            

      

      

    

    
      

    

  

  

  

  Performance Lock continued from the previous page

  

  

  We process the Early Reallocation Request to reallocate a locked Index Option Value and begin the new
    Term Start Date at the end of the Business Day that we receive your Authorized Request for Early Reallocation Request. The new Term Start Date will be the Business Day that we process your Early Reallocation request. The new Term is equal to the period
    of time between the new Term Start Date and your next Index Anniversary, plus the Term length for your selected reallocation Index Option shown on the Index Options Contract Schedule. On the Term Start Date, the Index Option Base is equal to the Index
    Option Value.

  

  

  If you do not reallocate an Index Option and begin a new Term, then on the Index Anniversary that occurs on or immediately after the Lock Date, we
    set the Index Option Base equal to the Index Option Value and we reallocate the Index Option Value according to your new allocation instructions. If you have not provided new allocation instructions, we will reallocate the Index Option Value into the
    same Index Option with a new Term.

  

  

  Rider Fee

  

  

  There is no fee for this rider.

  

  

  Termination of this Rider

  

  

  This rider terminates on the date the Base Contract terminates.

  

  

  In all other respects the provisions, conditions, exceptions and limitations contained in the contract remain unchanged and
    apply to this rider.

  

  

  Signed for the Company at its home office.

  Allianz Life Insurance Company

  Of North America

  

  

  By: /s/ GRETCHEN CEPEK

  [Gretchen Cepek]

  Secretary

  

  

  By: /s/ JASMINE M. JIRELE

  [Jasmine M. Jirele]

  President and CEO

  

  

  

  

  To obtain information, make an inquiry, or for assistance with a complaint,
    please call our toll-free number at [1-800-624-0197].

  
    	
            S40908

          

    	 

    	
            [Admin. Tracking Identifier]Traditional Death Benefit Rider

  

  

  This rider forms a part of the Base Contract to which it is attached and is effective on the Issue Date
    shown on the Contract Schedule. Defined terms and contractual provisions are set forth in the Base Contract or are added in this rider. This rider terminates as indicated under the Termination of this Rider provision. This is a first-to-die rider.

  

  

  Definitions

  

  

  

  

  Base Contract

  The contract to which this rider is attached.

  

  

  Determining Life (Lives)

  The person(s) on whose life (lives) we base the Traditional Death Benefit. We establish the Determining Life (Lives) on the Issue Date.

  

  

  On the Issue Date:

  
    	
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            If the Base Contract is solely owned, the Determining Life is the Owner.

          

  

  
    	
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            If the Base Contract is owned by a non-individual, the Determining Life is the Annuitant.

          

  

  
    	
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            If the Base Contract is jointly owned and the Joint Owners are Spouses, the Determining Lives are the Joint Owners.

          

  

  

  

  After the Issue Date, if a Determining Life (Lives) is no longer a Spouse of the Owner or Joint Owner, we will remove that
    person from this rider. If you add or change a Joint Owner, that person will become a Determining Life if they are the current Spouse of an existing Owner.

  

  

  For jointly owned non-qualified contracts, if you establish a trust and change ownership to the
    trust, the prior Joint Owner who is not the Annuitant no longer qualifies as a Determining Life and we remove him or her as such from this rider.

  

  

  Death Benefit

  

  

  

  

  The following is replacing the “Death Benefit” provision of the Base Contract. If this rider terminates,
    the original “Death Benefit” provision of the Base Contract applies.

  

  

  Traditional Death Benefit

  During the Accumulation Phase, if you (the Owner, or Annuitant if the Owner is a non-individual) are a
    Determining Life and you die, or if you die within 120 hours of a Determining Life (Lives), the Traditional Death Benefit is equal to the greater of (a), (b), or (c).

  
    	
            (a)

          	
            The Contract Value minus any final Contract Charges except the Contract Maintenance Charge;

          

  

  
    	
            (b)

          	
            The Cash Value;

          

  

  
    	
            (c)

          	
            The total of all Purchase Payments received reduced proportionately by the percentage of Contract Value withdrawn as a Partial
              Withdrawal, including any corresponding Partial MVAs.

          

  

  
    	
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            For a sole Beneficiary, we determine (a), (b), and (c) at the end of the Business Day we receive a Valid Claim from the Beneficiary.

          

  

  
    	
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            For multiple Beneficiaries, we determine (c) for each surviving Beneficiary’s portion of the Traditional Death Benefit at the end of the Business Day we
              receive the first Valid Claim from any one Beneficiary. We determine (a) and (b) for each surviving Beneficiary’s portion of the Traditional Death Benefit as of the end of the Business Day we receive the Beneficiary’s Valid Claim.

          

  

  

  

  However, if you (the Owner, or Annuitant if the Owner is a non-individual) and the Determining Life (Lives) are different
    individuals:

  
    	
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            If any Determining Life dies before you, we compare (a), (b), and (c) determined at the end of Business Day we receive due proof of a
              Determining Life’s death. If (b) or (c) is greater than (a), the difference between the greater of (b) or (c), and (a) will be placed in the Interim Fund(s). On the next Index Anniversary, we then allocate the Variable Account Value in the
              Interim Fund(s) among your selected Index Options according to your allocation instructions.

          

  

  
    	
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            If you die before any Determining Life, the Traditional Death Benefit is unavailable and instead your Beneficiary(s) will receive the
              Death Benefit described in the Base Contract.

          

  

  
    
      	
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              [Admin. Tracking Identifier]

            

      

      

    

    
      

    

  

  

  

  Death Benefit continued from previous page

  

  

  

  

  Any part of the Death Benefit that is in the subaccounts remains there until distributed.

  

  

  The following replaces the last paragraph of “Continuation of Contract by the Surviving Spouse” provision of the Base Contract.

  

  

  If at the end of the Business Day that the contract continues, (b) or (c) is greater than (a) the difference between the
    greater of (b) or (c), and (a) will be placed in the Interim Fund(s). On the next Index Anniversary, we then allocate the Variable Account Value in the Interim Fund(s) among the selected Index Options according to your allocation instructions.

  

  

  Ownership

  

  

  

  

  The following is added to the “Assignment of this Contract” and “Change of Ownership” provisions of the Base Contract.

  

  

  Assignment of this Contract

  An assignment does not change any Determining Life, except as described under the definition of “Determining Life (Lives)”.

  

  

  Change of Ownership

  A change of ownership does not change any Determining Life, except as described under the definition of “Determining Life (Lives)”.

  

  

  Rider Fee

  

  

  There is no fee for this rider.

  

  

  Termination of this Rider

  

  

  

  

  This rider terminates on the earliest of the following.

  
    	
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            The Business Day that (a) and (c) are both zero.

          

  

  
    	
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            The Business Day before the Annuity Date.

          

  

  
    	
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            Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries, if the Determining
              Life is the Owner (or Annuitant if the Owner is a non-individual) or if the Determining Life dies simultaneously with the Owner.

          

  

  
    	
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            Upon the death of a Determining Life, the end of the Business Day we receive an Authorized Request of due proof of the Determining Life’s death, if the
              Determining Life is no longer an Owner (or Annuitant if the Owner is a non-individual).

          

  

  
    	
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            Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one
              Beneficiary, if the Owner is no longer a Determining Life.

          

  

  
    	
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            The Business Day that the Base Contract terminates.

          

  

  
    
      	
              S40880-01-IADV

            

      	 

      	
              [Admin. Tracking Identifier]

            

      

      

    

    
      

    

  

  

  

  In all other respects the provisions, conditions, exceptions and limitations contained in the Base
    Contract remain unchanged. Signed for the Company at its home office.

  Allianz Life Insurance Company

  Of North America

  

  

  By: /s/ GRETCHEN CEPEK

  [Gretchen Cepek]

  Secretary

  

  

  By: /s/ JASMINE M. JIRELE

  [Jasmine M. Jirele]

  President and CEO

  

  

  

  

  To obtain information, make an inquiry, or for assistance
    with a complaint, please call our toll-free number at [800.624.0197].

  
    	
            S40880-01-IADV

          

    	 

    	
            [Admin. Tracking Identifier]

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