Document:

Prepared by R.R. Donnelley Financial -- Maximum Anniversary Value Optional Death Benifit

 Exhibit 4 (b) 
  
 FIRST SUNAMERICA LIFE INSURANCE COMPANY 
  
 MAXIMUM ANNIVERSARY VALUE OPTIONAL

 DEATH BENEFIT ENDORSEMENT 
  
 This
Endorsement is made a part of, and subject to, the other terms and conditions of the Contract to which it is attached. In the case of any conflict between the provisions of the Contract and this Endorsement, the provisions of this Endorsement will
control. 
  
 This Endorsement modifies the “AMOUNT OF DEATH BENEFIT” section located under the section titled
“DEATH OF OWNER BEFORE THE ANNUITY DATE” in the Contract as follows: 
  
 AMOUNT OF DEATH BENEFIT 
 If, upon the death of the Owner and prior to the Annuity Date, the Owner has not attained age 90, the amount of the Death Benefit will be as described under the Maximum Anniversary Value Optional Death
Benefit. If the deceased Owner has attained age 90, then the Death Benefit will be the Contract Value. Upon election, this Death Benefit Endorsement cannot be changed or terminated. However, Your Spousal Beneficiary can terminate this benefit on the
Continuation Date. 
  
 Maximum Anniversary Value Optional Death Benefit 
 As of the date We receive Your Due Proof of Death and prior to the Owner attaining age 90, the Death Benefit will be the greatest of: 
  

	 	(a)
	 
	Net Purchase Payments; or 
 

  

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

  

	 	(c)
	 
	The Maximum Anniversary Value. 
 

  
 We will calculate the Maximum Anniversary Value, by determining the Contract Value for each Contract anniversary prior to the Owner’s 81st birthday. An anniversary value is equal to the Contract Value at a Contract anniversary
increased by the dollar amount of any Purchase Payment(s) made since that anniversary and reduced for any partial withdrawals since that anniversary (and any charges applicable to such withdrawals) in the same proportion that the Contract Value was
reduced on the date of each such withdrawal. If any of those anniversary values is greater than Your Contract Value, You will receive that amount as the Maximum Anniversary Value. 
  
 Maximum Anniversary Optional Death Benefit Charge 
 On an annual basis, this charge equals [0.15%] of Your average daily ending value
of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Contract is allocated. We deduct this charge daily. This charge is in addition to the Separate Account Charge in Your Contract. Upon the Owner’s attainment
of age 90, this charge will no longer be deducted. 
  

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

  
  
 
	 FIRST SUNAMERICA LIFE INSURANCE COMPANY
 
	 
	 By:
 	 	 /s/    JAY S.
WINTROB        
 

	  	 	 Jay S. Wintrob
 President
 

 
 

 1Prepared by R.R. Donnelley Financial -- IRA Endorsement

  
 Exhibit 4 (d) 
  
 INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT 
  
 This Endorsement
forms a part of the Contract to which it is attached. The effective date of this Endorsement is the same as the Date of Issue shown on the Contract Data Page. 
  
 THE FOLLOWING PROVISIONS APPLY TO A CONTRACT WHICH IS ISSUED ON A QUALIFIED BASIS IF THE APPLICATION INDICATES IT IS TO BE ISSUED UNDER INTERNAL REVENUE CODE (“IRC”) SECTION 408. THE PROVISIONS OF THE APPLICABLE
QUALIFIED RETIREMENT PLAN TAKE PRECEDENCE OVER THE PROVISIONS OF THIS CONTRACT. IN THE CASE OF A CONFLICT WITH ANY PROVISION IN THE CONTRACT, THE PROVISION OF THIS ENDORSEMENT WILL CONTROL. THE CONTRACT IS AMENDED AS FOLLOWS: 

 

	1.
	 
	The Owner is the Annuitant and Payee 
 

  

	2.
	 
	This Contract is not transferable. 
 

  

	3.
	 
	This Contract, and the benefits under it, cannot be sold, assigned, or pledged as collateral for a loan or as security for the performance of an obligation or
for any other purpose to any person. 
 

  

	4.
	 
	The Owner’s entire interest in this Contract is nonforfeitable. 
 

  

	5.
	 
	Any payments under Annuity Option 2 will be made to the Annuitant and to the Annuitant’s spouse, if the Annuitant is married. 

  

	6.
	 
	Any payments under Annuity Option 3 will be made to the Annuitant and to the Annuitant’s spouse, if the Annuitant is married, and the guaranteed period of
payment will not exceed the joint and last survivor expectancy of the Annuitant and designated second person. 
 

  

	7.
	 
	Any guarantee period of payment under Annuity Option 4 or Option 5 shall not exceed the life expectancy of the Annuitant at the time the first payment is due.

 

  

	8.
	 
	Except in the case of a rollover contribution (as permitted by section 402(a)(5), 402(a)(6), 402(a)(7), 403(a)(4), 403(b)(8), or 408(d)(3) or a contribution
made in accordance with the terms of a Simplified Employee Pension (SEP) as described in section 408(k), no contributions will be accepted unless they are in cash, and the total of such contribution shall not exceed $2,000 for any taxable year.

 

  

	9.
	 
	The Annuity Date will be no later than April 1 following the calendar year during which the Annuitant attains age 70 1⁄2. 
 

 

	10.
	 
	This Contract is established for the exclusive benefit of the Annuitant and the Annuitant’s Beneficiary. 
 

 

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	11.
	 
	If the Annuitant’s entire interest is to be distributed in other than a lump-sum payment must be made in periodic payments at intervals of no longer than
one year. In addition, payments must be either non-increasing or they may increase only as provided in Q & A F-3 Section 1.401(a)(9)-1 of the Proposed Income Tax Regulations. 
 

  
 All distributions made herunder shall be made in accordance with the requirements of section 401(a)(9) of the IRC, including the
incidental death benefit requirements of section 401(a)(9)(G) of the IRC, and the regulations thereunder, including the minimum distribution incidental benefit requirement of section 1.401(a)(9)-2 of the Proposed Income Tax Regulations.

  
 Life Expectancy is computed by the use of the expected return multiples in Tables V and VI of section 1.72-9 of
the Income Tax Regulations. If required periodic distributions are not made pursuant to one of the payment options in the Contract, life expectancies shall be recalculated annually unless otherwise elected by the individual by the time distributions
are required to begin. Such election shall be irrevocable by the individual and shall apply to all subsequent years. The life expectancy of a non-spouse Beneficiary may not be recalculated. Instead, life expectancy will be calculated using the
attained age of such Beneficiary during the calendar year in which the individual attains age 70 1⁄2, and payment for subsequent years shall be calculated based on such life expectancy reduced by one for each calendar year which has elapsed since
the calendar year life expectancy was first calculated. 
  

	12.
	 
	Upon the death of the Annuitant: (a) if the Annuitant dies after distribution of benefits has commenced, the remaining portion of such interest will continue to
be distributed at least as rapidly as under the method of distribution being used prior to the Annuitant’s death; (b) if the Annuitant dies before distribution of benefits commences, the entire amount payable to the Beneficiary will be
distributed no later than December 31 of the calendar year which contains the fifth anniversary of the date of the Annuitant’s death except to the extent that an election is made to receive distributions in accordance with (i) or (ii) below:

 

  

	 	(i)
	 
	if any portion of the policy proceeds is payable to a designated Beneficiary, distributions may be made in installments over the life or over a period not
extending beyond the life expectancy of the designated Beneficiary commencing no later than December 31 of the calendar year immediately following the calendar year in which the Annuitant died; 
 

  

	 	(ii)
	 
	if the designated Beneficiary is the Annuitant’s surviving spouse, and benefits are to be distributed in accordance with (i) above, distributions must
begin on or before the later of (a) December 31 of the calendar year immediately following the calendar year in which the Annuitant died or (b) December 31 of the calendar year in which the Annuitant would have attained age 70 1⁄2. If the spouse
dies before payments begin, subsequent distributions shall be made as if the spouse had been the Annuitant. 
 

  

	 	(iii)
	 
	life expectancy is computed by the use of the expected return multiples in Tables V and VI of section 1.72-9 of the Income Tax Regulations. For purposes of
distributions beginning after the individual’s death, if payment is not made pursuant to one of the payment options in the Contract, life expectancies shall be recalculated annually unless otherwise elected by the surviving spouse by the time
distributions are required to begin. Such election shall be irrevocable by the surviving spouse and shall apply to all subsequent years. In the case of any other designated Beneficiary, if 
 

 

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 payments are not made pursuant to a payment option in the Contract, life
expectancy shall be calculated using the attained age of such Beneficiary during the calendar year in which distributions are required to begin pursuant to this section, and payments for any subsequent calendar year shall be calculated based upon
such life expectancy reduced by one for each calendar year which has elapsed since the calendar year life expectancy was first calculated; 
  

	 	(iv)
	 
	Distributions under this section are considered to have begun if the distributions are made on account of the individual reaching his or her required beginning
date. If the individual receives distributions prior to the required beginning date and the individual dies, distributions will not be considered to have begun. 
 

  

	13.
	 
	Separate records will be maintained for the interest of each individual. The Company will furnish an annual calendar year report concerning the status of the
annuity. 
 

  
 All other terms and conditions of the Contract remain unchanged. 
  
 First SunAmerica Life Insurance Company 
  
 
	 /s/    CHRISTINE A.
NIXON        
 	  	  	 	 /s/    JAY S.
WINTROB        
 
	
	 	 	
	

	 Christine A. Nixon
 Secretary

	  	  	 	 Jay S. Wintrob
 President
 

 
 

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