Document:

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                      AIG SUNAMERICA LIFE ASSURANCE COMPANY
                 OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT

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

Subject to the terms and conditions set forth herein this optional Guaranteed
Living Benefit Endorsement provides for guaranteed Withdrawals over the lifetime
of the Covered Person(s). You may take Withdrawals under the Guaranteed Living
Benefit as prescribed by this Endorsement herein while this Endorsement is in
effect.

                              ENDORSEMENT DATA PAGE

<TABLE>
<S>                              <C>
COVERED PERSON(S):               [John Doe
                                 Jane Doe]

ENDORSEMENT EFFECTIVE DATE:      [November 1, 2008]

[EXTENSION AVAILABILITY DATE:    November 1, 2013]

ELIGIBLE PURCHASE PAYMENTS:                   PERCENTAGE OF
                                 CONTRACT   PURCHASE PAYMENT
                                  YEAR(S)       INCLUDED       ELIGIBLE PURCHASE PAYMENT
                                 --------   ----------------   -------------------------
                                     [1]         [100%]        Eligible Purchase Payment Limit

                                   [2-5]         [100%]        In each Contract Year, [100%] of Purchase Payments
                                                               made in Contract Year [1 (one)] not to exceed Eligible
                                                               Purchase Payment Limit

                                    [6+]           [0%]        In each Contract Year, [0%] of Purchase Payments made
                                                               in Contract Year [1 (one)] not to exceed Eligible
                                                               Purchase Payment Limit

ELIGIBLE PURCHASE PAYMENT        The sum of Eligible Purchase Payments cannot exceed [$1,500,000] without prior
LIMIT:                           Company approval

ENDORSEMENT FEE:                 Annual fee of [0.95%] of the Income Base deducted [quarterly] from Contract Value
                                 beginning [one] [quarter] following the Endorsement Effective Date and ending on the
                                 termination of this Endorsement

INITIAL INCOME BASE EVALUATION   Beginning on the Endorsement Effective Date and ending [5] years later
PERIOD:

MAXIMUM ANNUAL WITHDRAWAL
PERCENTAGE ("MAWP"):

                                                                                 [CONTINUATION
                                 [AGE AT FIRST WITHDRAWAL]                MAWP       MAWP*]
                                 -------------------------                ----   -------------
                                 [Less than Age 65]                       [4%]       [3.2%]
                                 [At least Age 65 but less than Age 76]   [5%]       [4.0%]
                                 [Age 76 and over]                        [6%]       [4.8%]
</TABLE>

[* The Continuation MAWP applies on the later of [10] Benefit Years after the
date of the first Withdrawal of the Benefit Year anniversary following the death
of the first Covered Person.]

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                                   DEFINITIONS

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

AGE

The attained age as of the Covered Person's last birthday. If there are two
Covered Persons on the Endorsement Data Page, the Age of the younger Covered
Person or in the event of the death of one Covered Person, the surviving Covered
Person as of their last birthday.

ANNIVERSARY VALUE

The Contract Value including any applicable Payment Enhancement(s) or Spousal
Beneficiary continuation contribution minus cumulative Ineligible Purchase
Payments, as measured on each Benefit Year anniversary.

BENEFIT YEAR

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

[CONTINUATION MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE

The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement while the surviving
Covered Person is living after spousal continuation has been elected.]

CONTRACT [ANNIVERSARY]

Each [twelve] month period starting from the Endorsement Effective Date.

CONTRACT [ANNIVERSARY] DATE

The date on which each Contract [Year] begins.

[CONTRACT [QUARTER] VALUE

The Contract Value on a Contract [Quarter] Date, decreased by cumulative
Ineligible Purchase Payments, increased by Eligible Purchase Payments and
decreased proportionately by Excess Withdrawals, if any, from that Contract
[Quarter] until the next Benefit Year anniversary.]

[CONTRACT [ANNIVERSARY] VALUE

The Contract Value on a Contract [Anniversary] Date, decreased by cumulative
Ineligible Purchase Payments, increased by Eligible Purchase Payments and
decrease proportionately by Excess Withdrawals, if any, from that Contract
[Quarter] until the next Benefit Year anniversary.]

COVERED PERSON(S)

The person(s) named on the Endorsement Data Page whose lives are used to
determine the amount and duration of Withdrawals under this Endorsement.

ELIGIBLE PURCHASE PAYMENTS

[Gross] Purchase Payments or portions thereof made on or after the Endorsement
Effective Date as shown on the Endorsement Data Page that are included in the
calculation of the Income Base. If this Endorsement is added after the Contract
Date, for purposes of determining the Income Base[, the Contract Value on the
Endorsement Effective Date is considered the initial Eligible Purchase Payment].
[Purchase Payments added prior to the Endorsement Effective Date are not
considered Eligible Purchase Payments.] The calculation of Eligible Purchase
Payments does not include Payment Enhancements, or Spousal Beneficiary
continuation contributions, if any.

ENDORSEMENT EFFECTIVE DATE

The date when this Endorsement becomes effective as shown on the Endorsement
Data Page.

EXCESS WITHDRAWAL

A Withdrawal or the portion thereof that causes the total of all Withdrawals
taken in a Benefit Year to exceed the Maximum Annual Withdrawal Amount,
including but not limited to a Withdrawal taken in a Benefit Year after the
Maximum Annual Withdrawal Amount has been withdrawn.

HIGHEST VALUE

The highest Contract [Anniversary] Value during any Income Base Evaluation
Period.

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INCOME BASE

A component used to determine the Endorsement Fee and the Maximum Annual
Withdrawal Amount.

INCOME BASE EVALUATION PERIOD

The period of time over which We consider Highest Values.

INELIGIBLE PURCHASE PAYMENTS

15(Arrow) [Gross] Purchase Payments or portions thereof that are not included in
the calculations of the Income Base.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT

The maximum dollar amount available to be withdrawn each Benefit Year under the
Guaranteed Living Benefit without reducing the Income Base.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")

The percentage used to determine the Maximum Annual Withdrawal Amount available
for Withdrawal each Benefit Year under this Endorsement while the Covered
Person(s) is living.

YOU, YOUR

The Covered Person(s) under this Endorsement.

                      GUARANTEED LIVING BENEFIT PROVISIONS

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

ENDORSEMENT FEE

The Endorsement Fee percentage applicable to this Endorsement is as shown on the
Endorsement Data Page. If You surrender Your Contract and this Endorsement has
not been terminated, We will deduct a proportionate fee for the period of time
between the date when the last Endorsement Fee was deducted through the date of
surrender.

CALCULATION OF THE COMPONENTS OF THE GUARANTEED LIVING BENEFIT

To determine the Guaranteed Living Benefit, We use the following components:
Income Base, Income Base Evaluation Period, and Maximum Annual Withdrawal
Amount.

CALCULATION OF THE INCOME BASE

If the Guaranteed Living Benefit is elected on the Contract Date, the initial
Income Base is the initial Eligible Purchase Payment. If the Guaranteed Living
Benefit is elected after the Contract Date, the initial Income Base is the
[Contract Value on the Endorsement Effective Date, which is subject to the
Eligible Purchase Payment Limit shown on the Endorsement Data Page.] In each
subsequent Benefit Year, the Income Base equals the Income Base at the beginning
of that Benefit Year plus any subsequent Eligible Purchase Payments made during
that Benefit Year, less proportionate adjustments for Excess Withdrawals that
occur during that Benefit Year. The Income Base is not used in the calculation
of Contract Value or any other benefits under the Contract.

On each Benefit Year anniversary occurring during an Income Base Evaluation
Period, the Income Base is automatically increased to the Highest Value when
this Highest Value is greater than (a), (b), and (c), where:

          (a)  is the cumulative Eligible Purchase Payments; and

          (b)  is the current Income Base; and

          (c)  is all previous Highest Values during any Income Base Evaluation
               Period.

[CALCULATION OF THE MAXIMUM ANNUAL WITHDRAWAL AMOUNT

The Maximum Annual Withdrawal Amount is calculated by multiplying the Income
Base by the Maximum Annual Withdrawal Percentage [or if applicable, the
Continuation Maximum Annual Withdrawal Percentage,] as shown on the Endorsement
Data Page, which is determined by [Your Age at the time You first take a
Withdrawal from Your Contract].

You may withdraw up to the Maximum Annual Withdrawal Amount throughout each
Benefit Year without reducing the Maximum Annual Withdrawal Amount, and the
Income Base. If You do not withdraw the entire Maximum Annual Withdrawal Amount
in a Benefit Year, You may not carry over any unused Maximum Annual Withdrawal
Amount to any subsequent Benefit Year. In addition, Your Maximum Annual
Withdrawal Amount for the next Benefit Year will not be

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recalculated as a result of taking Withdrawals less than the entire Maximum
Annual Withdrawal Amount in any given Benefit Year.

Withdrawals made under the Guaranteed Living Benefit are treated like any other
Withdrawal under the Contract for purposes of calculating Contract Value,
including any fees and charges applicable to such Withdrawals and any other
benefits under the Contract. In any Benefit Year, Withdrawals up to Maximum
Annual Withdrawal Amount under this Endorsement are free of Withdrawal Charges.

INCREASES AND DECREASES IN THE INCOME BASE IMPACT YOUR MAXIMUM ANNUAL WITHDRAWAL
AMOUNT AS FOLLOWS:

INCREASES IN THE INCOME BASE

The Income Base is increased anytime an Eligible Purchase Payment is allocated
to Your Contract. The Income Base is also increased as a result of a Highest
Value being achieved resulting in the Income Base being stepped up at any
Benefit Year anniversary during the Income Base Evaluation Period. If the Income
Base increases, the Maximum Annual Withdrawal Amount will be recalculated by
multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage[, or if applicable, the Continuation Maximum Annual
Withdrawal Percentage]. In any Benefit Year where Eligible Purchase Payments are
allocated to Your Contract, any remaining Withdrawals of Maximum Annual
Withdrawal Amount will be based on the increased Maximum Annual Withdrawal
Amount reduced by Withdrawals previously taken in that Benefit Year. If the
Income Base is increased on a Benefit Year anniversary, the Maximum Annual
Withdrawal Amount will be recalculated on that Benefit Year anniversary by
multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage[, or if applicable, the Continuation Maximum Annual
Withdrawal Percentage]. The Endorsement Fee will be assessed on the increased
Income Base.

DECREASES IN THE INCOME BASE

Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal
occurs. Any Excess Withdrawal in a Benefit Year reduces the Income Base in the
same proportion by which the Contract Value is reduced by the Excess Withdrawal.
As a result of a reduction of the Income Base, the Maximum Annual Withdrawal
Amount will also be reduced. The new Maximum Annual Withdrawal Amount will be
equal to the reduced Income Base multiplied by the applicable Maximum Annual
Withdrawal Percentage[, or if applicable, the Continuation Maximum Annual
Withdrawal Percentage]. The last recalculated Maximum Annual Withdrawal Amount
in a given Benefit Year is available for Withdrawal at the beginning of the next
Benefit Year and may be lower than Your previously calculated Maximum Annual
Withdrawal Amount and the Endorsement Fee will be assessed on the decreased
Income Base. When the Contract Value is less than or equal to the Income Base,
Excess Withdrawals will result in a reduction of the Income Base by an amount
which is greater than the amount of the Excess Withdrawal.

REQUIRED MINIMUM DISTRIBUTIONS

This provision applies ONLY to the Contract to which this Endorsement is
attached. If you are taking Required Minimum Distributions and the Required
Minimum Distribution amount is greater than the Maximum Annual Withdrawal Amount
in any given Benefit Year, the Required Minimum Distributions amount will not be
treated as an Excess Withdrawal. However, any Withdrawal amount including the
Required Minimum Distribution amount in a Benefit Year that is more than the
greater of both the Maximum Annual Withdrawal Amount and the Required Minimum
Distribution amount will be considered an Excess Withdrawal for the purposes of
the recalculation of the Income Base and Maximum Annual Withdrawal Amount.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO

If Your Contract Value is reduced to zero and the Income Base is greater than
zero, a benefit remains payable under this Endorsement, but the Income Base will
no longer be increased on Benefit Year anniversaries, and all other benefits
under the Contract, including Death Benefits, will no longer be available.
However, if Your Contract Value is reduced to zero because of an Excess
Withdrawal, no further benefits will be payable under this Endorsement or the
Contract.

When the Contract Value equals zero and the Income Base is greater than zero,
any remaining benefit under this Endorsement must be taken through one of the
following income options:

     1.   The current Maximum Annual Withdrawal Amount, divided equally and paid
          on a quarterly, semi-annual or annual frequency as selected by You
          until the date of Your death(s); or

     2.   Any income option mutually agreeable between You and Us.

Once You elect an income option, it cannot be changed.

If You do not select an income option, the remaining benefit will be paid as the
current Maximum Annual Withdrawal Amount on a quarterly basis until the date of
Your death(s).

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EXTENSION OF THE INCOME BASE EVALUATION PERIOD ("EXTENSION")

At the end of the Initial Income Base Evaluation Period, You may elect to extend
the Income Base Evaluation Period [for another [5] years] [provided You are age
[85] or younger at that time.] If You do not elect Extension at the end of the
Initial Income Base Evaluation Period, future Extensions will not be available
for election.

[At the end of the first Extension, if applicable, and thereafter, You may elect
to extend the Income Base Evaluation Period for [5] years at a time, provided
You are age [85] or younger at that time.]

If You have continuously elected previous Extensions, and You are at least Age
86 but less than Age 90, You may elect a subsequent Extension with the final
evaluation occurring prior to Your 91st birthday. As a result, Your final
Extension will be for a period of less than [5] years.

Before the end of the initial Income Base Evaluation Period, and the end of any
elected extension, We will notify You of options available to You including the
terms associated with election of the Extension. If You choose to elect the
Extension, You must notify Our Annuity Service Center before the end of the
Income Base Evaluation Period. We will send You an updated Endorsement Data Page
confirming the new terms of the Extension. All other terms and conditions of
this Endorsement remain unchanged.

LATEST ANNUITY DATE

If there is remaining Contract Value and the Income Base is greater than zero on
the Latest Annuity Date, You must select one of the options listed below.

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

     2.   Elect to receive the current Maximum Annual Withdrawal Amount as of
          the Latest Annuity Date in the form of an income option, divided
          equally and paid on a quarterly, semi-annual or annual frequency as
          selected by You until the date of Your death; or

     3.   Any income option mutually agreeable between You and Us.

If You do not select an option listed above, on the Latest Annuity Date We will
annuitize the Contract Value under the Annuity Provisions of the Contract,
Options 3 and 3V with 120 Monthly Payments Guaranteed or payments that do not
exceed Your life expectancy as required by the IRS.

INVESTMENT REQUIREMENTS

We restrict allocations to certain investment options. Your transfer
instructions and allocation instructions accompanying any Purchase Payment must
comply with the investment requirements. Established restrictions are shown in
the product prospectus. We require enrollment in a [quarterly] automatic asset
rebalancing program that complies with the investment requirements. In addition
to [quarterly] rebalancing, We will initiate rebalancing in accordance with Your
automatic asset rebalancing instructions after any Withdrawal, transfer or
allocation You initiate.

TERMINATION OF WITHDRAWALS OVER TWO LIVES

If there are two Covered Persons, Withdrawals guaranteed for the life of one of
the Covered Persons will terminate if:

     1.   One of the two Covered Persons is removed from the Endorsement due to
          an ownership change; or

     2.   The Covered Persons are no longer married at the time of death of the
          first Covered Person.

Termination of Withdrawals guaranteed for the life of one Covered Person does
not impact any other terms and conditions of this Endorsement.

TERMINATION OF THE GUARANTEED LIVING BENEFIT

This Endorsement may be terminated as detailed below, and the corresponding
Endorsement Fee will continue to be deducted up to and including the Termination
Effective Date but will end after the Termination Effective Date.

TERMINATION EFFECTIVE DATE

If Your termination request is received:

     1.   In the first [5] Benefit Years, the termination is effective on the
          [5th] [Benefit Year anniversary];

     2.   In Benefit Years [6] through [10], the termination is effective on the
          [10th] [Benefit Year anniversary];

     3.   In any Benefit Year after the [10th Benefit Year anniversary], the
          termination is effective on the Benefit Year anniversary following Our
          receipt of the election to terminate this Endorsement.

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This Endorsement and the Endorsement Fee will terminate automatically if:

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

     2.   A Death Benefit is paid and the Contract is terminated; or

     3.   The Contract is annuitized; or

     4.   Excess Withdrawals reduce the Contract Value to zero; or

     5.   Any change occurs that removes all Covered Persons; or

     6.   The Contract is terminated for any reason.

The Guaranteed Living Benefit may not be re-elected or reinstated following a
termination.

DEATH OF COVERED PERSON(S)

If there is one Covered Person, then upon the death of the Covered Person, this
Endorsement and the Endorsement Fee will be terminated.

[[If there are two Covered Persons, upon the first death, if the surviving
Covered Person elects to continue the Contract, this Endorsement is also
continued. Upon the election of continuation, the Endorsement Effective Date
will not change.] [If the first death occurs prior to [10] Benefit Years after
the first Withdrawal, the Maximum Annual Withdrawal Percentage referenced on the
Endorsement Data Page applies until the [10th] Benefit Year anniversary
following the first Withdrawal. Thereafter, or if the first death occurs after
the [10th] Benefit Year anniversary following the first Withdrawal, the
Continuation Maximum Annual Withdrawal Percentage referenced on the Endorsement
Data Page applies until this Endorsement is terminated.]]

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ Mallary L. Reznik                   /s/ Jana W. Greer
-------------------------------------   ----------------------------------------
MALLARY L. REZNIK                       JANA W. GREER
SENIOR VICE PRESIDENT                   PRESIDENT

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                                        6<PAGE>

                      AIG SUNAMERICA LIFE ASSURANCE COMPANY

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

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

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

                                ENDORSEMENT DATA

<TABLE>
<S>                          <C>
[MAXIMUM ANNIVERSARY VALUE   [Annual fee of [0% -1.50%] of the average daily
OPTIONAL DEATH BENEFIT       ending value of the assets attributable to the
CHARGE:]                     Accumulation Units of the Variable Portfolio(s) or
                             Subaccounts(s) to which Your Contract is allocated.
                             We deduct this charge daily. This charge is in
                             addition to other charges, fees and expenses
                             described in Your Contract.]
</TABLE>

The following terms are added to the "DEFINITIONS" section of the Contract:

     "CONTINUATION DATE" - The date on which We receive, at Our Annuity Service
     Center: (a) the Spousal Beneficiary's written request to continue the
     Contract, and (b) Due Proof of Death of the Owner. If We receive (a) and
     (b) on different dates, the Continuation Date will be the later date.

     "REQUIRED DOCUMENTATION" - (a) Due Proof of Death that the Owner or the
     Spousal Beneficiary died before the Annuity Date; and (b) an election form
     specifying the payment option(s); and, (c) any other documentation We may
     require.

     "SPOUSAL BENEFICIARY" - The original deceased Owner's surviving spouse who
     is designated as the primary Beneficiary at the time of the Owner's death
     and may continue the Contract as the Owner on the Continuation Date.

     "WITHDRAWAL(S)" - Amount(s) withdrawn from the Contract Value.

Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract is modified as follows:

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     3.   If eligible, continue the Contract as a Spousal Beneficiary. On the
          Continuation Date, We will contribute to the Contract any amount by
          which the Death Benefit exceeds the Contract Value, calculated as of
          the Owner's date of death. This amount is not considered a Purchase
          Payment except in the calculations of certain death benefit components
          upon the death of the Spousal Beneficiary.

The "AMOUNT OF DEATH BENEFIT" provisions are modified as follows:

     WITHDRAWAL ADJUSTMENTS - The amount of the Death Benefit will be adjusted
     for Withdrawals as follows:

          (1)  The amount of adjustment will be the amount of each Withdrawal,
               including any charges and fees applicable to such Withdrawal, if
               the current Contract Year's cumulative Withdrawals, including
               this Withdrawal, are taken prior to The Owner's [81st] birthday
               and are less than or equal to the Maximum Annual Withdrawal
               Amount, if applicable, as defined in Your Contract; or

          (2)  The amount of adjustment will be a proportion of the Death
               Benefit equal to the proportion that each Withdrawal, including
               any charges and fees applicable to such Withdrawal, reduces the
               Contract Value, if the current Contract Year's cumulative
               Withdrawals, including this Withdrawal, are taken on and/or after
               Your [81st] birthday and/or are in excess of the Maximum Annual
               Withdrawal Amount as defined in Your Contract.

     MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT

     If the Owner was age [82 or younger] on the Contract Date, upon Our receipt
     of all Required Documentation at Our Annuity Service Center, We will
     calculate the Death Benefit and it will be the greatest of:

          1.   The Contract Value for the NYSE business day during which We
               receive all Required Documentation at Our Annuity Service Center;
               or

          2.   Purchase Payment(s) received prior to the Owner's [86th] birthday
               reduced by any Withdrawal Adjustments; or

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

                    (a)  The Owner's [83rd] birthday; or

                    (b)  The Owner's date of death;

               plus Purchase Payment(s) received since that Contract
               anniversary, but prior to the Owner's [86th] birthday, and
               reduced by any Withdrawal Adjustments since that Contract
               anniversary.

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     If the Owner was at least age [83 but younger than age 86] on the Contract
     Date, upon Our receipt of all Required Documentation at Our Annuity Service
     Center, We will calculate the Death Benefit and it will be the greater of:

          1.   The Contract Value for the NYSE business day during which We
               receive all Required Documentation at Our Annuity Service Center;
               or

          2.   The lesser of:

                    (a)  Purchase Payment(s) received prior to the Owner's
                         [86th] birthday reduced by any Withdrawal Adjustments;
                         or

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

     SPOUSAL BENEFICIARY CONTINUATION

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

     If the Spousal Beneficiary was age [82 or younger] on the Continuation
     Date, upon Our receipt of all Required Documentation at Our Annuity Service
     Center, We will calculate the Death Benefit and it will be the greatest of:

          1.   The Contract Value for the NYSE business day during which We
               receive all Required Documentation at Our Annuity Service Center;
               or

          2.   The Contract Value on the Continuation Date, plus Purchase
               Payment(s) received after the Continuation Date but prior to the
               Spousal Beneficiary's [86th] birthday and reduced by any
               Withdrawal Adjustments after the Continuation Date; or

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

                    (a)  The Spousal Beneficiary's [83rd] birthday; or

                    (b)  The Spousal Beneficiary's date of death;

               plus Purchase Payment(s) received since that Contract
               anniversary, but prior to the Spousal Beneficiary's [86th]
               birthday and reduced by any Withdrawal Adjustments since that
               Contract anniversary.

     If the Spousal Beneficiary was at least age [83 but younger than age 86] on
     the Continuation Date, upon Our receipt of all Required Documentation at
     Our Annuity Service Center, We will calculate the Death Benefit and it will
     be the greater of:

          1.   The Contract Value for the NYSE business day during which We
               receive all Required Documentation at Our Annuity Service Center;
               or

          2.   The lesser of:

                    (a)  The Contract Value on the Continuation Date, plus
                         Purchase Payment(s) received after the Continuation
                         Date but prior to the Spousal Beneficiary's [86th]
                         birthday and reduced by any Withdrawal Adjustments; or

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

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

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ Mallary L. Reznik                   /s/ Jana W. Greer
-------------------------------------   ----------------------------------------
MALLARY L. REZNIK                       JANA W. GREER
SENIOR VICE PRESIDENT                   PRESIDENT

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                                        4

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