Document:

Exhibit 4(m)

                       ENHANCED STEPPED-UP PROVISION RIDER

THIS RIDER IS NOT AVAILABLE WHEN EITHER THE ANNUITANT OR OWNER IS AGE 76 OR
OLDER ON THE RIDER EFFECTIVE DATE.

The Rider Effective Date is the date this rider is attached to and made a part
of the contract. If You previously elected the Enhanced Stepped-Up Provision
Rider, form TL-22320, the Rider Effective Date for this rider is the Contract
Date and this rider replaces form TL-22320.

The DEATH PROCEEDS PRIOR TO MATURITY DATE section of the contract or any
attached endorsement/rider is amended by adding the following language to the
end of the section:

The total death benefit payable as of the Death Report Date will equal the death
benefit described in the contract or any attached endorsement/rider plus the
greater of zero or the following amount:

     IF THE ANNUITANT IS YOUNGER THAN AGE 70 ON THE RIDER EFFECTIVE DATE:

     40% of the lesser of
     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or
     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     IF THE ANNUITANT IS BETWEEN THE AGES OF 70 AND 75 ON THE RIDER EFFECTIVE
     DATE:

     25% of the lesser of
     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or
     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     MODIFIED PURCHASE PAYMENT(S)

     The initial Modified Purchase Payment is equal to the contract value as of
     the Rider Effective Date. Whenever a Purchase Payment is made after the
     Rider Effective Date, the Modified Purchase Payment(s) are increased by the
     amount of the Purchase Payment. Whenever a partial surrender is taken after
     the Rider Effective Date, the Modified Purchase Payment(s) are reduced by a
     Partial Surrender Reduction as described below.

     The Partial Surrender Reduction is equal to 1) the Modified Purchase
     Payment(s) in effect immediately prior to the reduction for the partial
     surrender, multiplied by 2) the amount of the partial surrender divided by
     3) the contract value immediately prior to the partial surrender.

The annual Mortality and Expense charge of the contract is increased by 0.15%
for election of this rider. This increase annual Mortality and Expense charge
will result in an increase to the total funding option daily deduction of
..00000411. If election of an Enhanced Stepped-Up Provision Rider takes place on
the Contract Date, these charges will also be shown on the Contract
Specifications Page.

This Rider is to be read in conjunction with the Non-Qualified Annuity Spousal
Continuation Rider, if applicable.

                             /s/ George C. Kokulis

                                    PresidentExhibit 4(b)

                         THE TRAVELERS INSURANCE COMPANY
              o ONE CITYPLACE o HARTFORD, CONNECTICUT o 06103-3415
                                A STOCK COMPANY

                                       Mailing Address:  Annuity Services
                                                         P.O. Box 990009
                                                         Hartford, CT 06199-0009

          We are pleased to provide You the benefits of this Variable Annuity
          Contract. Please read Your Contract and all attached forms carefully.

     IF YOU HAVE ANY QUESTIONS CONCERNING YOUR CONTRACT, PLEASE CONTACT US AT
     [1-800-842-8573].

                         RIGHT TO EXAMINE THIS CONTRACT

          IF THIS CONTRACT IS RETURNED TO US AT OUR OFFICE OR TO OUR AGENT TO BE
          CANCELED WITHIN 10 DAYS AFTER ITS DELIVERY TO YOU, WE WILL PAY YOU THE
          CONTRACT  VALUE  DETERMINED  AS OF THE NEXT  VALUATION  DATE  AFTER WE
          RECEIVE  THE WRITTEN  REQUEST AT OUR  OFFICE,  PLUS ANY PREMIUM TAX OR
          CONTRACT  CHARGES  PAID.  IF THIS  CONTRACT IS ISSUED AS AN INDIVIDUAL
          RETIREMENT  ANNUITY  (IRA),  AND IS RETURNED TO US AT OUR OFFICE OR TO
          OUR AGENT  WITHIN 7 DAYS OF ITS  DELIVERY  TO YOU, WE WILL PAY YOU THE
          FULL AMOUNT OF ANY PREMIUM PAID,  WITHOUT  ADJUSTMENT  FOR ANY PREMIUM
          TAX OR CONTRACT  CHARGES PAID. IF THIS CONTRACT IS RETURNED DURING THE
          BALANCE OF THE RIGHT TO EXAMINE  PERIOD,  WE WILL PAY YOU THE CONTRACT
          VALUE AS STATED  ABOVE.  AFTER THE  CONTRACT IS  RETURNED,  IT WILL BE
          CONSIDERED AS NEVER IN EFFECT.

          This Contract is issued in consideration of the Purchase Payments. It
          is subject to the terms and conditions stated on the attached pages,
          all of which are a part of it.

                        Executed at Hartford, Connecticut

             /s/ George C. Kokulis         /s/  Ernest J. Wright

                   Secretary                    President

          This is a legal Contract between You and Us. READ YOUR CONTRACT
          CAREFULLY.

         FLEXIBLE PREMIUM INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACT
                    LIFE ANNUITY COMMENCING AT MATURITY DATE

         ELECTIVE OPTIONS                             NON-PARTICIPATING

     ANNUITY PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON
     THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT
     GUARANTEED AS TO FIXED DOLLAR AMOUNT.

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                                TABLE OF CONTENTS

[Right to Examine this Contract                                       Cover Page

Contract Specifications                                               Page 3

Definitions                                                           Page 5

Owner, Beneficiary and Annuitant Provisions                           Page 7

Purchase Payment and Valuation Provisions                             Page 9

Death Benefit Provisions                                              Page 11

Settlement Provisions                                                 Page  12

General Provisions                                                    Page 13

Annuity Tables                                                        Page 16]

        Any Amendments, Riders or Endorsements follow the Annuity Tables.

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================================================================================
                             CONTRACT SPECIFICATIONS
================================================================================

CONTRACT NUMBER                     [SPECIMEN]

OWNER                               [JOHN DOE]

[JOINT OWNER]                       [JANE DOE]

ANNUITANT                           [JOHN DOE]

[CONTINGENT ANNUITANT]              [                  ]

CONTRACT DATE                       [AUGUST 15, 2003]

MATURITY DATE                       [AUGUST 15, 2015]

--------------------------------------------------------------------------------

MINIMUM PURCHASE PAYMENT:  [$15,000]
MINIMUM SUBSEQUENT PURCHASE PAYMENT: [$500]
MAXIMUM PURCHASE PAYMENT WITHOUT OUR APPROVAL:  [$1,000,000]

SURRENDER CHARGES DEDUCTED ON WITHDRAWAL:   0%

CONTRACT FEE:  [$40.00] annually assessed on the [fourth Friday of August].

     This fee will not be assessed under the following situations:

          a)   if Your Contract Value is [$50,000] or greater on the date the
               charge is assessed;

          b)   distribution of proceeds due to death; or

          c)   after an Annuity payout has begun.

TRANSFER CHARGE:  $0

We reserve the right to assess a Transfer Charge of up to $10.00 on transfers
exceeding 12 per year. We will notify You In Writing at Your last known address
at least 31 days prior to the imposition of any such Transfer Charge.

ASSUMED DAILY NET INVESTMENT FACTOR:

Upon annuitization, the Assumed Daily Net Investment Factor is 1.000081 for each
Funding Option.

TERMINATION: We reserve the right to terminate this Contract when the Contract
Value is less than $2,000 and no Purchase Payments have been made for two years.

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================================================================================
                             CONTRACT SPECIFICATIONS
================================================================================

SEPARATE ACCOUNT:  [THE TRAVELERS SEPARATE ACCOUNT TM II FOR VARIABLE ANNUITIES]

FUNDING OPTIONS:

[Delaware Group Premium Fund, Inc.
   Small Cap Value Series
   REIT Series
Dreyfus Variable Investment Fund
   Capital Appreciation Portfolio
   Small cap Portfolio
Franklin Templeton Emerging Markets
Franklin Templeton International Fund
Franklin Templeton Small Company Fund
Guardian Stock
Travelers Series Fund, Inc.
   Alliance Growth Portfolio
   MFS Research Portfolio
   AIM Capital Appreciation Portfolio
   G. T. Global Strategic Income Portfolio
Warburg Pincus Trust II
   Emerging Markets Portfolio
   Global Fixed Income Portfolio
OCC Accumulation Trust
   Equity Portfolio
Royce Premier
Salomon Brothers Variable Series Funds, Inc.
   Salomon Brothers Variable Investors Fund
Smith Barney High Income Portfolio
Smith Barney Large Cap Growth Portfolio
Smith Barney Money Market Portfolio
Strategic Stock Portfolio
Strong Variable Insurance Funds, Inc.
   Strong Schafer Value Fund II
Travelers U. S. Government Securities Portfolio
Travelers Series Trust
   Jurika & Voyles Core Equity Portfolio
   Lazard International Stock Portfolio
   NWQ Value Equity Portfolio
   Travelers Disciplined Mid Cap Stock Portfolio
   Travelers Quality Bond Portfolio]

FUNDING OPTION DEDUCTIONS:

The Administrative Charge and the Mortality and Expense Risk Charge result in a
daily deduction of [.00006027] per Funding Option. When expressed on an annual
basis, the daily deduction equals [2.20%] per Funding Option.

    ADMINISTRATIVE CHARGE:   [.15%] on an annual basis
    MORTALITY AND EXPENSE RISK CHARGE:   [1.80%] on an annual basis

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================================================================================
                                   DEFINITIONS
================================================================================

ACCUMULATION UNIT - an accounting unit of measure used to calculate the value of
this Contract before Annuity payments begin.

AGE - age last birthday.

ANNUITANT - the person on whose life the Maturity Date and Annuity payments
depend.

ANNUITY UNIT - an accounting unit of measure used to calculate the amount of
Annuity Payments.

CODE - the Internal Revenue Code of 1986, as amended, and all related laws and
regulations which are in effect during the term of this Contract.

CONTRACT - a Contract which describes the benefits, rights and obligations of
the Owner and Us.

CONTRACT DATE - the date on which the Contract is issued.

CONTRACT YEARS - twelve month periods beginning with the Contract Date.

DEATH REPORT DATE - the Valuation Date coincident with or next following the day
on which We have received 1) Due Proof of Death and 2) a Written Request for an
election of a single sum payment or an alternate Settlement Option as described
in the Contract.

DUE PROOF OF DEATH - (i) a copy of a certified death certificate; (ii) a copy of
a certified decree of a court of competent jurisdiction as to the finding of
death; (iii) a written statement by a medical doctor who attended the deceased;
or (iv) any other proof satisfactory to Us.

FUNDING OPTIONS - the Underlying Funds available under the Separate Account for
this Contract.

MATURITY DATE - the date on which the Annuity payments are to begin.

NONQUALIFIED CONTRACT - a Contract other than a Qualified Contract.

OUR OFFICE - the Home Office of The Travelers Insurance Company or any other
office which We may designate for the purpose of administering this Contract.

PREMIUM TAX - the amount of tax, if any, charged by a state or municipality. We
will deduct any applicable Premium Tax from the Contract Value either upon
surrender, annuitization, death, or at the time a Purchase Payment is made, but
no earlier than when We have the liability under state law.

PURCHASE PAYMENTS - payments of premium You make to Us under this Contract.

QUALIFIED CONTRACT - a Contract used in a retirement plan or program whereby the
Purchase Payments and any gains are intended to qualify under Sections 401, 403,
408, 414(d) or 457 of the Code.

RECORDED - a Written Request is Recorded when the information is noted in Our
file for this Contract.

SEPARATE ACCOUNT - the Separate Account indicated in the Contract Specifications
which We established for this class of Contracts and certain other Contracts.

TERMINATION - discontinuance of this Contract by Us or by Your Written Request.

<PAGE>

UNDERLYING FUND - an open-end diversified management investment company or
portfolio thereof, indicated in the Contract Specifications, which serves as a
variable investment option under the Separate Account.

VALUATION DATE - a date on which a Funding Option is valued, which is every day
the New York Stock Exchange is open for trading (except for when trading is
restricted due to an emergency as defined by the Securities and Exchange
Commission.)

VALUATION PERIOD - the period beginning at the close of business of the New York
Stock Exchange on each Valuation Date and ending at the close of business for
the next succeeding Valuation Date. Also referred to as the period between
successive valuations.

WE, US, OUR - The Travelers Insurance Company.

WRITTEN REQUEST - written information including requests for Contract changes
sent to Us in a form and content satisfactory to Us and received at Our Office.

YOU, YOUR - the Owner, including a Joint Owner.

                                       8
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================================================================================
                   OWNER, BENEFICIARY AND ANNUITANT PROVISIONS
================================================================================

OWNER

This Contract belongs to the Owner shown in the Contract Specifications or to
any person subsequently named in a Written Request of Transfer of Ownership as
provided below. As Owner, You have sole power during the Annuitant's lifetime to
exercise any rights and to receive all benefits given in this Contract provided
you have not named an irrevocable Beneficiary and provided the Contract is not
assigned.

You will be the recipient of all payments while the Annuitant is alive unless
You direct them to an alternate recipient under a Recorded payment direction. An
alternate recipient under a payment direction does not become the Owner. A
payment direction is revocable by You at any time by Written Request giving 30
days' advance notice.

JOINT OWNER

Joint Owners may be named in a Written Request prior to the Contract Date. Joint
Owners may independently exercise transfers between accounts. All other rights
of ownership must be exercised by Joint action. Joint Owners own equal shares of
any benefits accruing or payments made to them. All rights of a Joint Owner end
at death if another Joint Owner survives. The entire interest of the deceased
Joint Owner in this Contract will pass to the surviving Joint Owner.

If a Joint Owner dies before payment of an Annuity Option begins and is survived
by the Annuitant, any surviving Joint Owner is the "designated beneficiary"
referred to in Section 72(s) of the Code, and his or her rights pre-empt those
of the Beneficiary named in a Written Request.

TRANSFER OF OWNERSHIP

You may transfer ownership by Written Request. You may not revoke any transfer
after the effective date of such transfer. Once the Transfer of Ownership is
Recorded by Us, it will take effect as of the date of Your Request, subject to
any payments made or other actions taken by Us before the recording.

Unless provided otherwise, a Transfer of Ownership does not affect the interest
of any Beneficiary designated prior to the effective date of the transfer.

A Transfer of Ownership may have adverse tax consequences to You as the former
Owner; please consult Your tax advisor.

ASSIGNMENT

You may collaterally assign ownership, of all or a portion of this Contract by
Written Request without the approval of any Beneficiary unless irrevocably
named. You may not exercise any rights of ownership while the assignment remains
in effect without the approval of the collateral assignee. We are not
responsible for the validity of any Assignment. Once the collateral Assignment
is Recorded by Us, it will take effect as of the date of Your Written Request,
subject to any payments made or other actions taken by Us before the Request is
received.

If a claim is made based on an Assignment, We may require proof of interest of
the claimant. A Recorded Assignment takes precedence over any rights of a
Beneficiary. Any amounts due under a Recorded assignment will be paid in a
single sum.

An Assignment may have adverse tax consequences to You; please consult Your tax
advisor.

CREDITOR CLAIMS

To the extent permitted by law, no right or benefit of the Owner or Beneficiary
under this Contract shall be subject to the claims of creditors or any legal
process except as may be provided by an assignment.

BENEFICIARY

The Beneficiary is the party named in a Written Request. The Beneficiary has the
right to receive any remaining Contractual benefits upon the death of the
Annuitant, or under certain circumstances, upon the death of the Owner. If there
is more than one Beneficiary surviving the Annuitant, the Beneficiaries will
share equally in benefits unless different shares are Recorded with Us by
Written Request prior to the death of the Annuitant.

                                       9
<PAGE>

If a Joint Owner dies before payment of an Annuity Option begins and is survived
by the Annuitant, any surviving Joint Owner is the "designated beneficiary"
referred to in Section 72(s) of the Code, and his or her rights pre-empt those
of the Beneficiary named in a Written Request.

Unless an irrevocable Beneficiary has been named, You have the right to change
any Beneficiary by Written Request during the lifetime of the Annuitant and
while the Contract continues.

Once a change in Beneficiary is Recorded by Us, it will take effect as of the
date of the Written Request, subject to any payments made or other actions taken
by Us before the recording.

If no Beneficiary has been named by You, or if no Beneficiary is living when the
Annuitant dies, the interest of any Beneficiary will pass:

     a)   if You are living, to You; or

     b)   if You have died and there is a surviving Joint Owner, to the Joint
          Owner; or

     c)   if You have died and there is not a Joint Owner surviving, to Your
          estate.

ANNUITANT

The Annuitant is the individual shown in the Contract Specifications on whose
life Annuity payments are based. The Annuitant may not be changed after the
Contract Date.

CONTINGENT ANNUITANT

You may name one individual as a Contingent Annuitant by Written Request prior
to the Contract Date. A Contingent Annuitant may not be changed, deleted or
added to the Contract after the Contract Date. For purposes of this provision
the Owner cannot be the Annuitant.

     If the Annuitant dies prior to the Maturity Date while this Contract is in
effect and while the Contingent Annuitant is living:

          a)   the death benefit will not be payable upon the Annuitant's death;
               and

          b)   the Contingent Annuitant becomes the Annuitant; and

          c)   all other rights and benefits provided by this Contract will
               continue in effect.

When a Contingent Annuitant becomes the Annuitant, the Maturity Date remains the
same as previously in effect, unless otherwise provided.

                                       10
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================================================================================
                    PURCHASE PAYMENT AND VALUATION PROVISIONS
================================================================================

PURCHASE PAYMENT

PURCHASE PAYMENT

A Purchase Payment is any payment You make for this Contract and the benefits it
provides. An initial lump sum Purchase Payment must be made to the Contract and
is due and payable before the Contract becomes effective. Each Purchase Payment
is payable as shown in the Contract Specifications to Us at Our Office or to one
of Our authorized representatives. No Purchase Payment after the initial
Purchase Payment is required to continue this Contract in force, except as
provided in the Termination provision.

Net Purchase Payments are that part of Your Purchase Payments applied to the
Contract Value. A net Purchase Payment is equal to the Purchase Payment less any
applicable Premium Tax.

ALLOCATION OF PURCHASE PAYMENT

We will apply any net Purchase Payment to provide Accumulation Units of selected
Funding Options of this Contract. The Purchase Payment will be applied within
two business days following its receipt at Our Office. The net Purchase Payment
will be allocated to the Funding Options in the proportion specified by You for
this Contract. The available Underlying Funds to which Funding Option assets are
allocated are shown in the Contract Specifications; Underlying Funds may be
subsequently added or deleted.

FUNDING OPTION VALUATION

NET INVESTMENT FACTOR

The net investment factor is a factor applied to measure the investment
performance of a Funding Option from one Valuation Period to the next. The net
investment factor for a Funding Option for any Valuation Period is equal to the
sum of 1.0000 plus the net investment rate.

Each Funding Option's net investment rate for a Valuation Period is equal to the
gross investment rate for that Funding Option, less the applicable Funding
Option deduction for the Valuation Period.

All Funding Option deductions are shown in the Contract Specifications.

The gross investment rate of a Funding Option for a Valuation Period is equal to
(1) divided by (2):

     where (1) is:

          a)   investment income, plus

          b)   capital gains and losses, whether realized or unrealized, less

          c)   a deduction for any tax levied against the Separate Account and
               its Underlying Funds;

     and (2) is the amount of the assets at the beginning of the Valuation
     Period.

The gross investment rate is based on the net asset value of the Underlying Fund
and may be either positive or negative. Investment income includes any
distribution whose ex-dividend date occurs during the Valuation Period.

ACCUMULATION UNIT VALUE

We determine the value of an Accumulation Unit in each Funding Option on each
Valuation Date by multiplying the value on the preceding Valuation Date by the
net investment factor for that Funding Option for the Valuation Period just
ended.

The value of an Accumulation Unit on any date other than a Valuation Date will
be equal to its value as of the next Valuation Date.

NUMBER OF ACCUMULATION UNITS

The number of Accumulation Units to be credited to each Funding Option once a
Purchase Payment has been received by Us will be determined by dividing the net
Purchase Payment applied to that Funding Option by the then Accumulation Unit
Value of that Funding Option.

                                       11
<PAGE>

TRANSFER BETWEEN FUNDING OPTIONS

You may transfer all or any part of the Contract Value from one Funding Option
to any other Funding Option at any time up to 30 days before the due date of the
first Annuity payment. We reserve the right to limit the number of transfers
from one Funding Option to any other Funding Option.

Transfers between Funding Options will result in the addition or deletion of
Accumulation Units having a total value equal to the dollar amount being
transferred to or from a particular Funding Option. The number of Accumulation
Units will be determined by using the Accumulation Unit Value of the Funding
Options involved as of the next Valuation Date after We receive notification of
request for transfer. Transfers will be subject to any applicable Transfer
Charge stated in the Contract Specifications.

CONTRACT VALUES

CONTRACT VALUE

The Contract Value on any date equals the sum of the accumulated values in the
Funding Options. The accumulated value in a Funding Option equals the number of
outstanding Accumulation Units credited to that Funding Option, multiplied by
the then current Accumulation Unit Value for that Funding Option.

CONTRACT FEE

A Contract Fee in the amount and for the period shown in the Contract
Specifications will be deducted from the Contract Value to reimburse Us for
administrative expenses relating to the Contract. The Contract Fee will be
deducted by surrendering on a pro rata basis Accumulation Units from all Funding
Options in which You have an interest.

We will deduct the charge on a pro rata basis if the Contract has been in effect
for less than a full period on the date a Contract Fee is deducted. The Contract
Fee will also be prorated upon full surrender or Termination of the Contract.

CASH SURRENDER VALUE

The Cash Surrender Value is equal to the Contract Value less any applicable
charges, fees or taxes deducted upon surrender.

CASH SURRENDER

You may elect by Written Request to receive the Cash Surrender Value before the
due date of the first Annuity payment and without the consent of any Beneficiary
unless irrevocably named. In the case of a full surrender, this Contract will be
canceled. A partial surrender will reduce Your Contract Value. If You have a
balance in more than one Funding Option, Your Contract Value will be reduced
from all Your Funding Options on a pro rata basis, unless You request otherwise.

The Cash Surrender Value will be determined as of the next Valuation Date
following receipt of Your Written Request. We may delay payment of the Cash
Surrender Value of the Funding Options for a period of not more than five
business days after We receive Your Written Request.

CONTRACT CONTINUATION

Except as provided in the Termination provision, this Contract does not require
continuing Purchase Payments and will automatically continue as a paid-up
Contract during the lifetime of the Annuitant until the Maturity Date, or until
it is surrendered.

                                       12
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================================================================================
                            DEATH BENEFIT PROVISIONS
================================================================================

DEATH OF ANNUITANT

A death benefit is payable to the Beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a Contingent Annuitant surviving. A
death benefit is also payable under those Settlement Options which provide for
death benefits. We will pay the Beneficiary the death benefit in a single sum as
described below upon receiving Due Proof of Death. A Beneficiary may request
that a death benefit payable under this Contract be applied to a Settlement
Option subject to the provisions of this Contract and the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the Owner is not the Annuitant, and the Owner (including the first of Joint
Owners) dies before the Maturity Date with the Annuitant surviving, We will
recalculate the value of the death benefit under the provisions of Death
Proceeds Prior To The Maturity Date below, by replacing all references to
"Annuitant" with "Owner." The value of the death benefit, as recalculated, will
be paid in a single lump sum or by other election to the party taking proceeds
under the current tax laws. The party must take distributions no later than
under the applicable elections of that provision.

DEATH PROCEEDS PRIOR TO THE MATURITY DATE

If the Annuitant dies before Age 80 and before the Maturity Date, We will pay
the Beneficiary the greater of a) or b) below, less any applicable Premium Tax
as of the Death Report Date:

     a)   the Contract Value on the Death Report Date; or

     b)   the total Purchase Payments less the total amount of any partial
          surrenders made under this Contract.

We must be notified of the Annuitant's death no later than six months from the
Annuitant's date of death in order for Us to make payment of death proceeds as
described above. If notification is received more than six months after the
Annuitant's death, We will make payment of death proceeds equal to the Contract
Value on the Death Report Date less any applicable Premium Tax.

If the Annuitant dies on or after Age 80 and before the Maturity Date, We will
pay the Beneficiary the Contract Value on the Death Report Date less any
applicable Premium Tax.

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

                                       13
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================================================================================
                              SETTLEMENT PROVISIONS
================================================================================

MATURITY DATE

The Maturity Date is shown in the Contract Specifications. This is the date on
which We will begin paying to You the first of a series of Annuity payments in
accordance with an Annuity Option elected by You. Annuity payments will begin
under this Contract on the Maturity Date unless the Contract has been fully
surrendered or the proceeds have been paid to the Beneficiary prior to that
date. We may require proof that the Annuitant is alive before Annuity payments
are made. If no Maturity Date is specified, the automatic Maturity Date will be
the greater of when the Annuitant reaches Age 90 or ten years after the Contract
Date.

Additionally, to the extent permitted by law, at least 30 days before the
original Maturity Date, You may change the Maturity Date by Written Request to
any time prior to the Annuitant's 90th birthday, or to a later date with Our
consent.

ELECTION OF SETTLEMENT OPTIONS

On the Maturity Date, or other agreed upon date, We will pay the amount payable
under this Contract to You in one lump sum or in accordance with an Annuity
Option elected by You. While the Annuitant is alive, You may change Your
Settlement Option election by Written Request, but only before the Maturity
Date. We reserve the right to require satisfactory proof of the Age of any
person on whose life Annuity payments are based before making the first payment
under any Annuity Option.

During the Annuitant's lifetime, if no election has been made on the Maturity
Date, We will pay You the first of a series of periodic Annuity payments based
on the life of the Annuitant, in accordance with Annuity Option 2, with 120
monthly payments assured.

Once Annuity payments have commenced, no election changes are allowed.

MINIMUM AMOUNTS

The minimum amount that can be placed under a Settlement Option is $2,000 unless
We consent to a lesser amount. If any periodic payments due are less than $100,
We reserve the right to change the frequency to an interval resulting in a
payment of at least $100.00 per year. We may make other arrangements that are
equitable to the Annuitant.

ALLOCATION OF ANNUITY

At the time an election of one of the Annuity Options is made, the person
electing the option may elect to have the Cash Surrender Value applied to
provide a Variable Annuity, a Fixed Annuity or a combination of both.

If no election is made to the contrary, the value of a Funding Option will be
applied when Annuity payments start to provide an Annuity which varies with the
investment experience of that same Funding Option.

Once Annuity payments start, with Our consent, You may transfer Contract Value
from one Funding Option to any other Funding Option to reallocate the basis on
which Annuity Payments will be determined.

VARIABLE ANNUITY

AMOUNT OF FIRST PAYMENT

The Life Annuity Tables are used to determine the first monthly Annuity payment.
They show the dollar amount of the first monthly Annuity payment which can be
purchased with each $1,000 applied. The amount applied to a Variable Annuity
will be the Cash Surrender Value as of 14 days before the date Annuity payments
start.

ANNUITY UNIT VALUE

On any Valuation Date, the Annuity Unit Value for a Funding Option equals the
Funding Option Annuity Unit Value on the preceding Valuation Date, multiplied by
the net investment factor for that Funding Option for the Valuation Period just
ended, divided by the Assumed Daily Net Investment Factor. The Assumed Daily Net
Investment Factor is shown in the Contract Specifications. The Value of an
Annuity Unit on any date other than a Valuation Date will be equal to its value
as of the next Valuation Date.

                                       14
<PAGE>

NUMBER OF ANNUITY UNITS

We determine the number of Annuity Units credited to this Contract in each
Funding Option by dividing the first monthly Annuity payment attributable to
that Funding Option by the Funding Option's Unit Value as of 14 days before the
due date of the first Annuity payment.

AMOUNT OF SECOND AND SUBSEQUENT PAYMENTS

The dollar amount of the second and subsequent payments may change from month to
month. The amount of the Annuity payment for each Funding Option is found by
multiplying the number of Annuity Units credited to the Contract for that
Funding Option by the Annuity Unit Value for that Funding Option. The total
amount of each Annuity Payment will be equal to the sum of the payments in each
Funding Option.

FIXED ANNUITY

A Fixed Annuity is an Annuity with payments which remain fixed as to dollar
amount throughout the payment period. The Life Annuity Tables are used to
determine the monthly Annuity payment. They show the dollar amount of monthly
Annuity payments which can be purchased with each $1,000 applied. The amount
applied to a Fixed Annuity will be the Cash Surrender Value applicable to the
Fixed Annuity as of the day Fixed Annuity payments begin. If it would produce a
larger payment, the Fixed Annuity payment will be determined using the Life
Annuity Tables in effect on the Maturity Date.

ANNUITY OPTIONS

Subject to conditions stated in Elections Of Settlement Options and Minimum
Amounts, all or any part of the Cash Surrender Value of this Contract may be
paid under one or more of the Annuity Options below. We may offer additional
options.

OPTION 1.  LIFE ANNUITY - NO REFUND

We will make periodic Annuity payments during the lifetime of the person on
whose life the payments are based, ending with the last payment preceding death.

OPTION 2.  LIFE ANNUITY WITH 120, 180 OR 240 MONTHLY PAYMENTS ASSURED

We will make periodic Annuity payments during the lifetime of the person on
whose life the payments are based. If at the death of that person, payments have
been made for less than 120, 180, or 240 months, as elected, We will continue to
make payments to the designated Beneficiary during the remainder of the period.

OPTION 3.  JOINT AND LAST SURVIVOR LIFE ANNUITY

We will make periodic Annuity payments during the Joint lifetime of two persons
on whose lives payments are based and during the lifetime of the survivor. No
more payments will be made after the death of the survivor.

OPTION 4.  JOINT AND LAST SURVIVOR LIFE ANNUITY - ANNUITY REDUCED ON DEATH OF
PRIMARY PAYEE

We will make periodic Annuity payments during the Joint lifetime of two persons
on whose lives payments are based. One of the two persons will be designated as
the primary payee. The other will be designated as the secondary payee. On the
death of the secondary payee, if survived by the primary payee, We will continue
to make periodic Annuity payments to the primary payee in the same amount that
would have been payable during the Joint lifetime of the two persons. On the
death of the primary payee, if survived by the secondary payee, We will continue
to make periodic Annuity payments to the secondary payee in an amount equal to
50% of the payments which would have been made during the lifetime of the
primary payee. No further payments will be made following the death of the
survivor.

OPTION 5. PAYMENTS FOR A FIXED PERIOD

We will make periodic payments for the period selected.

                                       15
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================================================================================
                               GENERAL PROVISIONS
================================================================================

CONTRACT

The entire Contract between You and Us consists of the Contract, together with
the application, if a copy of such application is attached to the Contract when
issued and any Amendments, Riders or Endorsements.

CONTRACT CHANGES

The only way this Contract may be changed is by a written Amendment, Rider or
Endorsement signed by one of Our officers.

INCONTESTABILITY

We will not contest this Contract from the Contract Date.

MISSTATEMENT

If this Contract is issued as a Nonqualified Contract, and the Annuitant's (or,
if applicable, the Owner's) sex or date of birth was misstated, all benefits of
the Contract are what the Purchase Payment(s) paid would have purchased at the
correct sex and Age. Proof of the Annuitant's and Owner's Age may be filed at
any time at Our Office.

If this Contract is issued as a Qualified Contract, and the Annuitant's date of
birth was misstated, all benefits of the Contract are what the Purchase
Payment(s) paid would have purchased at the correct Age. Proof of the
Annuitant's Age may be filed at any time at Our Office.

SUBSTITUTION OF UNDERLYING FUNDS

If it is not possible to continue to offer an Underlying Fund, or in Our
judgment becomes inappropriate for the purposes of this Contract, We may
substitute another Underlying Fund without Your consent. Substitution may be
made with respect to both existing investments and investment of future Purchase
Payments. However, no such substitution will be made without notice to You and
without prior approval of the Securities and Exchange Commission, to the extent
required by law.

TERMINATION

We reserve the right to terminate this Contract on any Valuation Date as stated
in the Contract Specifications. Termination will not occur until 31 days after
We have mailed notice of Termination to You at Your last known address. If this
Contract is terminated, We will pay You the Cash Surrender Value, if any.

REQUIRED REPORTS

We will furnish a report to the Owner as often as required by law, but at least
once in each Contract Year before the due date of the first Annuity payment. The
report will show the number of Accumulation Units credited to the Contract in
each Funding Option and the corresponding Accumulation Unit Value as of the date
of the report.

VOTING RIGHTS

If required by federal law, You may have the right to vote at the meetings of
the shareholders of the Underlying Funds. If You have voting rights, We will
send a notice to You telling You the time and place of a meeting. The notice
will also explain matters to be voted upon and how many votes You may exercise.

MORTALITY AND EXPENSES

Our actual mortality and expense experience will not affect the amount of any
Annuity payments or any other values under this Contract.

NON-PARTICIPATING

This Contract does not share in Our surplus earnings, so You will receive no
dividends under it.

TAXES BASED UPON PREMIUM OR VALUE

If there is a law or change in law assessing taxes against Us based upon the
premium or value of this Contract, We reserve the right to charge You
proportionately for that tax. This would include, but is not limited to, a tax
based upon Our realized net capital gains in the Funding Options, on which We
are not currently taxed.

                                       16
<PAGE>

CONFORMITY WITH STATE AND FEDERAL LAWS

This Contract is governed by the law of the state in which it is delivered. Any
paid-up Annuity, Cash Surrender Value or death benefits that are available under
this Contract are not less than the minimum benefits required by the statutes of
the state in which this Contract is delivered.

Upon receiving appropriate state approval, We may at any time make any changes,
including retroactive changes, in this Contract to the extent that the change is
required to meet the requirements of any law or regulation issued by a
governmental agency to which We or You are subject.

EMERGENCY PROCEDURE

We reserve the right to suspend or postpone the date of any payment of any
benefit or values for any Valuation Period (1) when the New York Stock Exchange
is closed; (2) when trading on the Exchange is restricted; (3) when an emergency
exists as determined by the Securities and Exchange Commission so that disposal
of the securities held in the Funding Options is not reasonably practicable or
it is not reasonably practicable to determine the value of the Funding Option's
net assets, or (4) during any other period when the Securities and Exchange
Commission, by order, so permits for the protection of security holders. Any
provision of this Contract which specifies a Valuation Date will be superseded
by this Emergency Procedure.

RELATION OF THIS CONTRACT TO THE SEPARATE ACCOUNT AND FUNDING OPTIONS

We will have exclusive and absolute ownership and control of the assets of Our
Separate Account and the Funding Options. That portion of the assets of a
Separate Account or Funding Option equal to the reserves and other Contract
liabilities with respect to such Separate Account or Funding Option shall not be
chargeable with liabilities arising out of any other business We conduct. Our
determination of the value of an Accumulation Unit and an Annuity Unit by the
method described in this Contract will be conclusive.

REDUCTION OR ELIMINATION OF CONTRACT CHARGES

All charges and fees under the Contract may be reduced or eliminated when
certain sales or administration of the Contract result in savings or reduction
of expenses, and/or risks.

TRANSFERS TO OTHER CONTRACTS ISSUED BY US

Under specific conditions, We may allow You to transfer funds held by You in
this Contract to another Contract issued by Us. Once the transfer is complete
and We have established a new Contract at Your direction, new Withdrawal Charges
may apply to the new Contract in accordance with the provisions of such
Contract.

                                       17
<PAGE>

                               LIFE ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                     OPTIONS 1 AND 2 - SINGLE LIFE ANNUITIES

               THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

MALE                           NUMBER OF MONTHLY PAYMENTS GUARANTEED
 AGE                NONE                120                180               240

 45                 3.67               3.65               3.64              3.61
 46                 3.72               3.70               3.68              3.65
 47                 3.77               3.75               3.73              3.70
 48                 3.82               3.80               3.78              3.74
 49                 3.88               3.86               3.83              3.79
 50                 3.94               3.92               3.89              3.84
 51                 4.00               3.98               3.94              3.89
 52                 4.07               4.04               4.00              3.95
 53                 4.14               4.11               4.07              4.00
 54                 4.21               4.18               4.13              4.06
 55                 4.29               4.25               4.20              4.12
 56                 4.37               4.33               4.27              4.18
 57                 4.46               4.41               4.34              4.24
 58                 4.55               4.49               4.42              4.30
 59                 4.65               4.58               4.50              4.36
 60                 4.75               4.68               4.58              4.43
 61                 4.86               4.78               4.67              4.49
 62                 4.98               4.88               4.75              4.56
 63                 5.10               5.00               4.85              4.63
 64                 5.24               5.11               4.94              4.69
 65                 5.38               5.24               5.04              4.76
 66                 5.54               5.36               5.13              4.83
 67                 5.70               5.50               5.23              4.89
 68                 5.87               5.64               5.34              4.95
 69                 6.06               5.78               5.44              5.01
 70                 6.26               5.93               5.54              5.07
 71                 6.47               6.09               5.64              5.12
 72                 6.69               6.24               5.74              5.17
 73                 6.93               6.41               5.84              5.22
 74                 7.18               6.58               5.94              5.26
 75                 7.45               6.75               6.04              5.30

Dollar amounts of the monthly Annuity payments for the first and second options
are based on the 1983 Individual Annuitant Mortality Table A, projected to the
year 2015 using Projection Scale G, and a net investment rate of 3% per annum.

                                       18
<PAGE>

                               LIFE ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                     OPTIONS 1 AND 2 - SINGLE LIFE ANNUITIES

               THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

FEMALE                       NUMBER OF MONTHLY PAYMENTS GUARANTEED
  AGE              NONE              120               180              240

  45               3.43             3.43              3.42              3.41
  46               3.47             3.47              3.46              3.45
  47               3.51             3.51              3.50              3.48
  48               3.55             3.55              3.54              3.52
  49               3.60             3.59              3.58              3.56
  50               3.65             3.64              3.63              3.61
  51               3.70             3.69              3.67              3.65
  52               3.75             3.74              3.72              3.70
  53               3.81             3.79              3.78              3.75
  54               3.86             3.85              3.83              3.80
  55               3.93             3.91              3.89              3.85
  56               3.99             3.97              3.95              3.91
  57               4.06             4.04              4.01              3.96
  58               4.13             4.11              4.08              4.02
  59               4.21             4.18              4.14              4.08
  60               4.29             4.26              4.22              4.15
  61               4.38             4.34              4.29              4.21
  62               4.47             4.43              4.37              4.28
  63               4.57             4.52              4.46              4.35
  64               4.67             4.62              4.54              4.42
  65               4.78             4.72              4.63              4.49
  66               4.90             4.83              4.73              4.56
  67               5.02             4.94              4.82              4.64
  68               5.16             5.07              4.93              4.71
  69               5.31             5.19              5.03              4.78
  70               5.46             5.33              5.14              4.86
  71               5.63             5.47              5.25              4.93
  72               5.81             5.62              5.36              5.00
  73               6.01             5.78              5.48              5.06
  74               6.22             5.95              5.59              5.12
  75               6.45             6.12              5.71              5.18

Dollar amounts of the monthly Annuity payments for the first and second options
are based on the 1983 Individual Annuitant Mortality Table A, projected to the
year 2015 using Projection Scale G, and a net investment rate of 3% per annum.

                                       19
<PAGE>

                               LIFE ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                    OPTIONS 1, AND 2 - SINGLE LIFE ANNUITIES

                THIS TABLE WILL BE USED FOR QUALIFIED CONTRACTS.

UNISEX                          NUMBER OF MONTHLY PAYMENTS GUARANTEED
  AGE              NONE                120                180                240

  45               3.55               3.54               3.53               3.51
  46               3.60               3.59               3.57               3.55
  47               3.64               3.63               3.62               3.60
  48               3.69               3.68               3.66               3.64
  49               3.74               3.73               3.71               3.68
  50               3.80               3.78               3.76               3.73
  51               3.85               3.84               3.81               3.78
  52               3.91               3.89               3.87               3.83
  53               3.97               3.95               3.92               3.88
  54               4.04               4.02               3.98               3.93
  55               4.11               4.08               4.05               3.99
  56               4.18               4.15               4.11               4.05
  57               4.26               4.23               4.18               4.11
  58               4.34               4.30               4.25               4.17
  59               4.43               4.39               4.33               4.23
  60               4.52               4.47               4.40               4.30
  61               4.62               4.56               4.49               4.36
  62               4.73               4.66               4.57               4.43
  63               4.84               4.76               4.66               4.50
  64               4.96               4.87               4.75               4.57
  65               5.08               4.98               4.84               4.63
  66               5.22               5.10               4.94               4.70
  67               5.36               5.23               5.04               4.77
  68               5.52               5.36               5.14               4.84
  69               5.68               5.49               5.24               4.91
  70               5.86               5.64               5.35               4.97
  71               6.05               5.79               5.46               5.03
  72               6.25               5.94               5.56               5.09
  73               6.47               6.10               5.67               5.15
  74               6.70               6.27               5.78               5.20
  75               6.95               6.45               5.88               5.25

Dollar amounts of the monthly Annuity payments for the first and second options
are based on the 1983 Individual Annuitant Mortality Table A, projected to the
year 2015 using Projection Scale G, and a net investment rate of 3% per annum.

                                       20
<PAGE>

                               LIFE ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

              THESE TABLES WILL BE USED FOR NONQUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

   MALE                                FEMALE AGE
   AGE       45        50        55        60        65        70        75

    45      3.25      3.34      3.42      3.49      3.54      3.58      3.61
    50      3.30      3.42      3.53      3.64      3.73      3.80      3.85
    55      3.34      3.48      3.64      3.78      3.92      4.04      4.13
    60      3.37      3.54      3.72      3.92      4.12      4.30      4.45
    65      3.39      3.58      3.79      4.04      4.30      4.57      4.82
    70      3.41      3.60      3.84      4.13      4.46      4.82      5.20
    75      3.42      3.62      3.87      4.19      4.58      5.04      5.55

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                      REDUCED 50% ON DEATH OF PRIMARY PAYEE

                 AGE OF PRIMARY MALE
                 AND SECONDARY FEMALE              DOLLAR AMOUNT

                          45                            3.44
                          50                            3.66
                          55                            3.94
                          60                            4.30
                          65                            4.78
                          70                            5.45
                          75                            6.36

Dollar amounts of the monthly Annuity payments for the third and fourth options
are based on the 1983 Individual Annuitant Mortality Table A, projected to the
year 2015 using Projection Scale G, and a net investment rate of 3% per annum.

                                       21
<PAGE>

                               LIFE ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THESE TABLES WILL BE USED FOR QUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

 UNISEX
   AGE       45        50        55        60        65        70        75

    45      3.26      3.33      3.39      3.44      3.48      3.50      3.52
    50      3.33      3.43      3.52      3.60      3.66      3.71      3.74
    55      3.39      3.52      3.65      3.77      3.87      3.95      4.01
    60      3.44      3.60      3.77      3.94      4.10      4.23      4.34
    65      3.48      3.66      3.87      4.10      4.33      4.54      4.72
    70      3.50      3.71      3.95      4.23      4.54      4.86      5.15
    75      3.52      3.74      4.01      4.34      4.72      5.15      5.60

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                      REDUCED 50% ON DEATH OF PRIMARY PAYEE

                    AGE OF PRIMARY
                 AND SECONDARY UNISEX              DOLLAR AMOUNT

                          45                            3.40
                          50                            3.60
                          55                            3.87
                          60                            4.21
                          65                            4.68
                          70                            5.31
                          75                            6.20

Dollar amounts of the monthly Annuity payments for the third and fourth options
are based on the 1983 Individual Annuitant Mortality Table A, projected to the
year 2015 using Projection Scale G, and a net investment rate of 3% per annum.

                                       22
<PAGE>

                                 ANNUITY TABLES
                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                     OPTION 5 - PAYMENTS FOR A FIXED PERIOD

        THIS TABLE WILL BE USED FOR NONQUALIFIED AND QUALIFIED CONTRACTS.

                       MONTHLY                                           MONTHLY
NUMBER OF              PAYMENT                     NUMBER OF             PAYMENT
  YEARS                AMOUNT                        YEARS               AMOUNT

    5                   17.91                          18                 5.96
    6                   15.14                          19                 5.73
    7                   13.16                          20                 5.51
    8                   11.68                          21                 5.32
    9                   10.53                          22                 5.15
    10                   9.61                          23                 4.99
    11                   8.86                          24                 4.84
    12                   8.24                          25                 4.71
    13                   7.71                          26                 4.59
    14                   7.26                          27                 4.47
    15                   6.87                          28                 4.37
    16                   6.53                          29                 4.27
    17                   6.23                          30                 4.18

The dollar amounts of the monthly Annuity payments for the fifth option are
based on a net investment rate of 3% per annum.

                                       23
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         FLEXIBLE PREMIUM INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACT
                    LIFE ANNUITY COMMENCING AT MATURITY DATE

ELECTIVE OPTIONS                                               NON-PARTICIPATING

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