Document:

Form of Deferred Stock Unit Award Grant Notice and Agreement

 Exhibit 10.4 
 RENOVIS, INC. 
 2003 STOCK PLAN, AS AMENDED 
 DEFERRED STOCK UNIT AWARD GRANT NOTICE AND 
 DEFERRED STOCK AWARD AGREEMENT 
 Renovis, Inc., a Delaware corporation, (the “Company”), pursuant to its 2003 Stock
Plan, as amended, (the “Plan”), hereby grants to the individual listed below (“Participant”), an award of units of Deferred Stock (“Deferred Stock Units” or
“DSUs”) with respect to the number of shares of Stock set forth below (the “Shares”). This Deferred Stock Unit Award is subject to all of the terms and conditions as set forth herein and in the
Deferred Stock Unit Award Agreement attached hereto as Exhibit A (the “Deferred Stock Unit Agreement”) and the Plan, each of which are incorporated herein by reference. Unless otherwise defined herein, the terms
defined in the Plan shall have the same defined meanings in this Grant Notice and the Deferred Stock Unit Agreement. 
  

			
	Participant:	  	                                      
                                        
                          
	Grant Date:	  	                        ,
200    
	Vesting Commencement Date:	  	
	Total Number of DSUs:	  	                                      
                                        
              shares
	Vesting Schedule:	  	         of the Deferred Stock Units shall vest for each calendar month of service after the Vesting Commencement Date, such that all of the
Deferred Stock Units are vested on                         , subject to Participant’s continued employment or service
with the Company or its Subsidiaries through the applicable vesting date. Pursuant to the terms of the Deferred Stock Unit Agreement, vesting of the DSUs may be accelerated in the event that following a “Change in Control” (as defined in
the Deferred Stock Unit Agreement), Participant’s employment is terminated without “Cause” (as defined in the Deferred Stock Unit Agreement) or there is a “Constructive Termination” (as defined in the Deferred Stock Unit
Agreement) of Participant’s employment. In no event shall any Deferred Stock Units vest following Participant’s termination of employment or service with the Company or its Subsidiaries (“Separation from
Service”).

 By Participant’s signature and the Company’s signature below, Participant agrees to be bound by the
terms and conditions of the Plan, the Deferred Stock Unit Agreement and this Grant Notice. Participant has reviewed the Deferred Stock Unit Agreement, the Plan and this Grant Notice in their entirety, has had an opportunity to obtain the advice of
counsel prior to executing this Grant Notice and fully understands all provisions of this Grant Notice, the Deferred Stock Unit Agreement and the Plan. Participant hereby agrees to accept as binding, conclusive and final all decisions or
interpretations of the Company upon any questions arising under the Plan, this Grant Notice or the Deferred Stock Unit Agreement. 
  

							
	RENOVIS, INC.:	 	PARTICIPANT:
				
	By:	 	  
	 	By:	 	  

	Print Name:	 	  
	 	Print Name:	 	  

	Title:	 	  
	 		 	
	Address:	 	  
	 	Address:	 	  

		 	  
	 		 	  

 EXHIBIT A 
 TO DEFERRED STOCK UNIT AWARD GRANT NOTICE 
 RENOVIS, INC. DEFERRED STOCK UNIT AWARD AGREEMENT

 Pursuant to the Deferred Stock Unit Award Grant Notice (the “Grant Notice”) to which this Deferred Stock Unit Award Agreement
(the “Agreement”) is attached, Renovis, Inc., a Delaware corporation (the “Company”) has granted to Participant the right to receive the number of Deferred Stock Units under the 2003 Stock Plan, as
amended from time to time (the “Plan”), as set forth in the Grant Notice. The Award is subject to the terms and conditions of the Plan which are incorporated herein by reference. In the event of any inconsistency between the
Plan and this Agreement, the terms of the Plan shall control. 
 1. Grant of the DSUs. As set forth in the Grant Notice, the Company
hereby grants the Participant DSUs in exchange for past and future services to the Company subject to all the terms and conditions in this Agreement, the Grant Notice and the Plan. However, no Shares shall be issued to the Participant until the time
set forth in Section 4. Prior to actual payment of any Shares, such DSUs will represent an unsecured obligation of the Company, payable only from the general assets of the Company. 
 2. Definitions. All capitalized terms used in this Agreement without definition shall have the meanings ascribed to them in the Plan and the Grant
Notice. Whenever used herein, the following terms shall have their respective meanings set forth below: 
 (a) “Cause”
means: (i) theft, dishonesty or falsification of any employment or Company records; (ii) malicious or reckless disclosure of the Company’s confidential or proprietary information; (iii) commission of any immoral or illegal act or
any gross or willful misconduct, where the Company reasonably determines that such act or misconduct has (A) seriously undermined the ability of the Company’s management to entrust Participant with important matters or otherwise work
effectively with Participant, (B) contributed to the Company’s loss of significant revenues or business opportunities, or (C) significantly and detrimentally affected the business or reputation of the Company or any of its
subsidiaries; and/or (iv) the failure or refusal by Participant to work diligently to perform tasks or achieve goals reasonably requested by the Company, provided such breach, failure or refusal continues after the receipt of reasonable notice
in writing of such failure or refusal and an opportunity to correct the problem. “Cause” shall not mean a physical or mental disability. 
 (b) “Change in Control” means the consummation of any of the following transactions: 
 (i) the closing of a
business combination (such as a merger or consolidation) of the Company with any other corporation or other type of business entity (such as a limited liability company), other than a business combination which would result in the voting securities
of the Company outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of the surviving entity) more than fifty percent (50%) of the total voting power
represented by the voting securities of the Company or such controlling surviving entity outstanding immediately after such business combination; or 
 (ii) the sale, lease, exchange or other transfer or disposition by the Company of all or substantially all (more than seventy percent (70%)) of the Company’s assets by value; or 
 (iii) an acquisition of any voting securities of the Company by any “person” (as the term “person” is used for purposes of
Section 13(d) or Section 14(d) of the Exchange Act) immediately after which such person has “beneficial ownership” (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of more than fifty percent (50%) of the
combined voting power of the Company’s then outstanding voting securities. 

 (c) “Constructive Termination” means Participant’s resignation within sixty
(60) days of one or more of the following events which remains uncured thirty (30) days after Participant’s delivery of written notice thereof: 
 (i) the delegation to Participant of duties or the reduction of Participant’s duties, either of which substantially reduces the nature, responsibility, or character of Participant’s position immediately
prior to such delegation or reduction; 
 (ii) a material reduction by the Company in Participant’s base salary in effect immediately
prior to such reduction; 
 (iii) a material reduction by the Company in the kind or level of employee benefits or fringe benefits to which
Participant was entitled prior to such reduction; or the taking of any action by the Company that would adversely affect Participant’s participation in any plan, program or policy generally applicable to employees of equivalent seniority; and

 (iv) the Company’s requiring Participant to relocate Participant’s office to a place more than forty (40) miles from the
Company’s present headquarters location (except that required travel on the Company’s business to an extent substantially consistent with Participant’s present business travel obligations shall not be considered a relocation).

 (e) “Release” means a general release of all claims against the Company, in a form provided by and reasonably
acceptable to the Company. 
 3. Acceleration of Vesting - Termination Following Change in Control. If Participant’s employment
by the Company is terminated by the Company without Cause, or if there is a Constructive Termination, in each case at any time within thirteen (13) months following the occurrence of a Change in Control, and if Participant provides the Company
with a signed Release and does not revoke the Release within the applicable revocation period, if any, then effective as of Participant’s date of termination, Participant shall immediately become 100% vested with respect to all unvested DSUs;
provided, further, however, that if Participant’s employment is thereafter terminated by the Company’s successor or acquiror without Cause, or if there is a Constructive Termination, in each case at any time within thirteen
(13) months following the occurrence of the Change in Control, Participant shall be entitled to the acceleration of vesting described above in this Section 3. 
 4. Issuance of Stock. 
 (a) Timing of Distribution. Shares shall be issued to the Participant
with respect to vested DSUs as soon as administratively practicable after the earliest to occur of the following: (i) a date specified by the Company that is between January 1 and March 15 of the calendar year following the calendar
year of the vesting date, (ii) the Participant’s Separation from Service, (iii) the Participant’s Disability, (iv) the Participant’s death, or (v) a Change in Control. 
 (b) General. Shares issued pursuant to this Section 4 shall be issued (either in book-entry form or otherwise) to the Participant or the
Participant’s beneficiaries, as the case may be. No fractional Shares shall be issued under this Agreement. In the event Participant ceases to be an Employee, consultant to the Company or member of the Board the DSUs shall cease vesting
immediately upon such cessation of service and any unvested DSUs awarded by this Agreement shall be forfeited. 

 5. Taxes. Notwithstanding anything to the contrary in this Agreement, the Company shall be
entitled to require payment to the Company or any of its Subsidiaries any sums required by federal, state or local tax law to be withheld with respect to the issuance of the Deferred Stock Units, the distribution of shares of Stock with respect
thereto, or any other taxable event related to the Deferred Stock Units. The Company may permit the Participant to make such payment in one or more of the forms specified below: 
 (a) by cash or check made payable to the Company; 
 (b) by the deduction of such amount from other compensation payable to Participant; or 
 (c) in any combination of the foregoing.

 The Company shall not be obligated to deliver any new certificate representing Shares issuable with respect to the Deferred Stock Units to Participant or
Participant’s legal representative unless and until Participant or Participant’s legal representative shall have paid or otherwise satisfied in full the amount of all federal, state, local and foreign taxes applicable to the taxable income
of Participant resulting from the grant of the Deferred Stock Units, the distribution of the Shares issuable with respect thereto, or any other taxable event related to the Deferred Stock Units. 
 6. Rights as Stockholder. Neither the Participant nor any person claiming under or through the Participant will have any of the rights or
privileges of a stockholder of the Company in respect of any Shares deliverable hereunder unless and until certificates representing such Shares (which may be in book entry form) will have been issued and recorded on the records of the Company or
its transfer agents or registrars, and delivered to the Participant (including through electronic delivery to a brokerage account). After such issuance, recordation and delivery, the Participant will have all the rights of a stockholder of the
Company with respect to voting such Shares and receipt of dividends and distributions on such Shares. 
 7. Conditions to Issuance of
Certificates. Notwithstanding any other provision of this Agreement, the Company shall not be required to issue or deliver any certificate or certificates for any Shares prior to the fulfillment of all of the following conditions: (A) the
admission of the Shares to listing on all stock exchanges on which such Shares are then listed, (B) the completion of any registration or other qualification of the Shares under any state or federal law or under rulings or regulations of the
Securities and Exchange Commission or other governmental regulatory body, which the Company shall, in its sole and absolute discretion, deem necessary and advisable, (C) the obtaining of any approval or other clearance from any state or federal
governmental agency that the Company shall, in its absolute discretion, determine to be necessary or advisable and (D) the lapse of any such reasonable period of time following the date the DSUs vest as the Company may from time to time
establish for reasons of administrative convenience. 
 8. Award Not Transferable. This grant and the rights and privileges conferred
hereby will not be transferred, assigned, pledged or hypothecated in any way (whether by operation of law or otherwise) and will not be subject to sale under execution, attachment or similar process. Upon any attempt to transfer, assign, pledge,
hypothecate or otherwise dispose of this grant, or any right or privilege conferred hereby, or upon any attempted sale under any execution, attachment or similar process, this grant and the rights and privileges conferred hereby immediately will
become null and void. 

 9. Not a Contract of Employment. Nothing in this Agreement or in the Plan shall confer upon the
Participant any right to continue to serve as an Employee or other service provider of the Company or any of its subsidiaries. 
 10.
Governing Law. The laws of the State of Delaware shall govern the interpretation, validity, administration, enforcement and performance of the terms of this Agreement regardless of the law that might be applied under principles of conflicts
of laws. 
 11. Conformity to Securities Laws. The Participant acknowledges that the Plan and this Agreement are intended to conform
to the extent necessary with all provisions of the Securities Act of 1933, as amended, and the Exchange Act, and any and all regulations and rules promulgated thereunder by the Securities and Exchange Commission, including without limitation Rule
16b-3 under the Exchange Act. Notwithstanding anything herein to the contrary, the Plan shall be administered, and the Awards are granted, only in such a manner as to conform to such laws, rules and regulations. To the extent permitted by applicable
law, the Plan and this Agreement shall be deemed amended to the extent necessary to conform to such laws, rules and regulations. 
 12.
Amendment, Suspension and Termination. To the extent permitted by the Plan, this Agreement may be wholly or partially amended or otherwise modified, suspended or terminated at any time or from time to time by the Committee or the Board,
provided, that, except as may otherwise be provided by the Plan, no amendment, modification, suspension or termination of this Agreement shall adversely effect the Award in any material way without the prior written consent of the Participant.

 13. Notices. Notices required or permitted hereunder shall be given in writing and shall be deemed effectively given upon personal
delivery or upon deposit in the United States mail by certified mail, with postage and fees prepaid, addressed to the Participant to his address shown in the Company records, and to the Company at its principal executive office. 
 14. Successors and Assigns. The Company may assign any of its rights under this Agreement to single or multiple assignees, and this Agreement
shall inure to the benefit of the successors and assigns of the Company. Subject to the restrictions on transfer herein set forth, this Agreement shall be binding upon Participant and his or her heirs, executors, administrators, successors and
assigns. 
 15. Compliance in Form and Operation. This Agreement and the Deferred Stock Units are intended to comply with
Section 409A of the Code and the Treasury Regulations thereunder and shall be interpreted in a manner consistent with that intention.Exhibit (4)(I)

 EXHIBIT (4)(1)
 Form of Rider (Income Select for Life) 

			
		  	 Home Office located at:
 4
Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:
 4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499

		  
	

	  
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.40%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (IS)	  	(1)	 	(Income-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value
taken on or after January 1st following the annuitant’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value
equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in
accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be
paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s
death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and
annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of
negative investment performance. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $5000 each calendar year for the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar
year). 
  

					
	RGMB 18 0106 (NY) (IS)	  	(2)	 	(Income-Single)

 ARTICLE II CONTINUED 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be
taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

					
	RGMB 18 0106 (NY) (IS)	  	(3)	 	(Income-Single)

 ARTICLE II CONTINUED 
  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (IS)	  	(4)	 	(Income-Single)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider
anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (IS)	  	(5)	 	(Income-Single)

			
		  	 Home Office located at:
 4
Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:
 4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499

		  
	

	  
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  
  

			
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.60%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (IJ)	  	(1)	 	(Income-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT

 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the
later of the annuitant’s or the annuitant’s spouse’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained
age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (IJ)	  	(2)	 	(Income-Joint)

 ARTICLE II CONTINUED 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum
annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole
beneficiary, and you make a single premium payment of $100,000 when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has
declined to $50,000 solely because of negative investment performance. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to $5000 each calendar year for
the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar year). 
 Please see the Appendix attached to this rider which
illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the
policy value. 
 Maximum Annual Withdrawal Amount 
 On the
rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below) 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

					
	RGMB 18 0106 (NY) (IJ)	  	(3)	 	(Income-Joint)

 ARTICLE II CONTINUED 
  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days
after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a
new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be chosen, if available by the Company. The new rider
will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual
withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all
information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 

 

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (IJ)	  	(4)	 	(Income-Joint)

			
	 

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  
  

			
	Policy Number:	 	12345
	Rider Date:	 	12/15/2006
	Growth Rate Percentage:	 	5.00%
	Rider Fee Percentage:	 	0.65%
	Annuitant:	 	John Doe
	Annuitant’s Issue Age/Sex:	 	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (GS)	  	(1)	 	(Income/Growth-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th
birthday: 
  

			
	Attained Age at
First Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

  

					
	RGMB 18 0106 (NY) (GS)	  	(2)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and
guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which
this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 We
guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total
withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or
additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to
$162,889. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $8,144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8,144 in any one calendar year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over 

 from past calendar years are not considered. 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as
described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (GS)	  	(3)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
  

					
	RGMB 18 0106 (NY) (GS)	  	(4)	 	(Income/Growth-Single)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income
payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted
and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If
an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage.
The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Signed for us at our home office. 
  

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (GS)	  	(5)	 	(Income/Growth-Single)

			
	

	  	Home Office located at:
	  	4 Manhattanville Road, Purchase, New York 10577
	  	Adm. Office located at:
	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Growth Rate Percentage:	  	5.00%
	Rider Fee Percentage:	  	1.10%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(1)	 	(Income/Growth-Joint)

 ARTICLE I CONTINUED  
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). 
 The total withdrawal base during the growth period (as described in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdraw base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(2)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the
younger of the living spouse’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal
amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum
remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole beneficiary, and you make a single premium payment of $100,000
when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment
performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to $162,889. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to
$8144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8144 in any one calendar year). 
 Please see the Appendix
attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and
it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

					
	RGMB 18 0106 (NY) (GJ)	  	(3)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below) 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(4)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED  
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy. 
 ARTICLE III 

 CONTINUATION 
 In the case of spousal joint owners
where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total
withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new
rider with the same features will be issued with a new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be
chosen, if available by the Company. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this
rider’s Rider Fee Percentage 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal
base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to
process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (GJ)	  	(5)	 	(Income/Growth-Joint)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.65%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application
which is attached and made part of this policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in
force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A
rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (DS)	  	(1)	 	(Income/Death-Single)

 Rider Fee 
 The rider
fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider
anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium
enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any
adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value
equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in
accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be
paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s
death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and
annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of
negative investment performance. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $5000 each calendar year for the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar
year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (DS)	  	(2)	 	(Income/Death-Single)

 ARTICLE II CONTINUED 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual
Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (DS)	  	(3)	 	(Income/Death-Single)

 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base
policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can generally transfer between the designated funds as
permitted under your policy 
  

					
	RGMB 18 0106 (NY) (DS)	  	(4)	 	(Income/Death-Single)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the
annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee
Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (DS)	  	(5)	 	(Income/Death-Single)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.80%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or the
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must
be in one or more of the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as
provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(1)	 	(Income/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS:  
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT

 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the
annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s 59th birthday. 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(2)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until .the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum
annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole
beneficiary, and you make a single premium payment of $100,000 when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has
declined to $50,000 solely because of negative investment performance. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to $5000 each calendar year for
the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar year). 
 Please see the Appendix attached to this rider which
illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the
policy value. 
 Maximum Annual Withdrawal Amount 
 On the
rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

					
	RGMB 18 0106 (NY) (DJ)	  	(3)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Minimum
Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining,
provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments
for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”). 
 Minimum Remaining Withdrawal Amount Adjustments 

Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross
partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(4)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED  
 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy. 
 ARTICLE III 

 CONTINUATION 
 In the case of spousal joint owners
where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this
time. 
 RIDER UPGRADE 
 You may elect, in writing, to
upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will
terminate and a new rider with the same features will be issued with a new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired other riders with different
features may be chosen, if available by the Company. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base.

 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the
upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (DJ)	  	(5)	 	(Income/Death-Joint)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Growth Rate Percentage:	  	5.00%
	Rider Fee Percentage:	  	0.90%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(1)	 	(Income/Growth/Death-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period; 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The Growth Period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th
birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

  

					
	RGMB 18 0106 (NY) (AS)	  	(2)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and
guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which
this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 We
guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total
withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or
additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to
$162,889. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $8,144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8,144 in any one calendar year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(3)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as
described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the
maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Minimum
Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining,
provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments
for withdrawals (as described under “Minimum Withdrawal Amount Adjustments” below). 
 Minimum Remaining Withdrawal Amount Adjustments

 Gross partial withdrawals up to the maximum annual withdraw amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for
dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

					
	RGMB 18 0106 (NY) (AS)	  	(4)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base
policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can generally transfer between the designated funds as
permitted under your policy 
 ARTICLE III  
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the
annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(5)	 	(Income/Growth/Death-Single)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider
anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders
with different features may be chosen, if available by the Company. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded
to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date
will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (AS)	  	(6)	 	(Income/Growth/Death-Single)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  

			
	Policy Number:	 	12345
	Rider Date:	 	12/15/2006
	Growth Rate Percentage:	 	5.00%
	Rider Fee Percentage:	 	1.30%
	Annuitant:	 	John Doe
	Annuitant’s Issue Age/Sex:	 	35 / Male
	Annuitant’s Spouse:	 	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	 	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(1)	 	(Income/Growth/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(2)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The
“For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the
living spouse’s 59th birthday: 
  

			
	Attained Age at First Withdrawal	  	“For Life” Withdrawal Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal
amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum
remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole beneficiary, and you make a single premium payment of $100,000
when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment
performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to $162,889. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to
$8144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8144 in any one calendar year). 
 Please see the Appendix
attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and
it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 18 0106 (NY) (AJ)	  	(3)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(4)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals
you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added
in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any)
less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments” below). 
 Minimum Remaining Withdrawal Amount
Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount
(dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(5)	 	(Income/Growth/Death-Joint)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days
after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a
new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be chosen, if available by the Company. The new rider
will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated
based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (AJ)	  	(6)	 	(Income/Growth/Death-Joint)

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