Document:

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             ALLMERICA FINANACIAL LIFE INSURANCE AND ANNUITY COMPANY

                       ENHANCED DEATH BENEFIT "EDB" RIDER

OVERVIEW:

The EDB Rider ("Rider") is an optional rider the Owner has selected. It provides
an enhanced Death Benefit, which guarantees [6%] growth, has an investment cap
and provides a ratchet.

APPLICABILITY:

The Rider is made a part of the contract to which it is attached and is
effective on the issue date.

BENEFIT:

The "Death Benefit" provision on [page XX] of the contract is replaced by the
following:

I.       If an Owner, or an Annuitant if the Owner is a non-natural person, dies
         before the Annuity Date and before his/her [80th] birthday, the Death
         Benefit will be the greatest of:

         (a) the Accumulated Value on the Effective Valuation Date increased for
             any positive Market Value Adjustment ("MVA");

         (b) gross payments accumulated daily at the "EDB Effective Annual
             Yield" shown on the Specifications page, starting on the Effective
             Valuation Date of each gross payment and ending on the date of
             death, proportionately reduced for subsequent withdrawals; and

         (c) the highest Accumulated Value on any contract anniversary prior to
             the date of death, as determined after being increased for any
             positive MVA and subsequent payments and proportionately reduced
             for subsequent withdrawals.

Investment Cap - The value determined in section (b) above cannot exceed [200%]
of the total of gross payments, proportionately reduced for subsequent
withdrawals.

II.      If an Owner, or an Annuitant if the Owner is a non-natural person, dies
         before the Annuity Date but after his/her [80th] birthday, the Death
         Benefit will be the greater of:

         (a) the Accumulated Value on the Effective Valuation Date increased for
             any positive MVA; or

         (b) the Death Benefit, as calculated under Section I., that would have
             been payable on the contract anniversary prior to the deceased's
             [80th] birthday, increased for subsequent payments and
             proportionately reduced for subsequent withdrawals.

FORM 3286-00

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PROPORTIONATE REDUCTION:

Sections I.(b), I.(c) and II.(b) refer to a proportionate reduction. This
proportionate reduction is calculated by multiplying the (b) or (c) value,
whichever is applicable, determined immediately prior to the withdrawal by the
following:

                            AMOUNT OF THE WITHDRAWAL
                            -------------------------
         Accumulated Value determined immediately prior to the withdrawal

CHARGE FOR BENEFIT:

While this Rider is in effect, the Company will assess the EDB Charge (see the
Specifications page).

TERMINATION:

This Rider will terminate on the earliest of the following:

         (a) the Annuity Date;

         (b) when a Death Benefit is payable and the contract is not continued
             under a spousal takeover; or

         (c) surrender of the contract.

                    Signed for the Company at Dover, Delaware

         President                                                Secretary

FORM 3286-00<PAGE>

             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

               MINIMUM GUARANTEED ANNUITY PAYOUT ("M-GAP") RIDER

OVERVIEW:

The M-GAP Rider ("Rider") is an optional rider the Owner has selected. It
guarantees a minimum Annuity Value provided the Owner elects to begin annuity
benefit payments in accordance with the provisions of the Rider.

DEFINITIONS:

"M-GAP Effective Date" - xx/xx/xx
         The date on which the Rider is effective. If the Rider is selected(1)
         at issue or within the 30-day period immediately thereafter, the "M-GAP
         Effective Date" is the contract issue date. If the Rider is selected on
         a contract anniversary or within the 30-day period immediately
         thereafter, the "M-GAP Effective Date" is that contract anniversary. If
         the Rider is selected at any other time, the "M-GAP Effective Date" is
         the next contract anniversary following the date of selection of the
         Rider.

"M-GAP Effective Annual Yield" - [5%]

"M-GAP Initial Payment Amount" - The Accumulated Value on the "M-GAP
Effective Date."

"M-GAP Waiting Period" - the [10] -year period which begins on the "M-GAP
Effective Date." The Rider can only be exercised after the expiration of the
"M-GAP Waiting Period" and during a "M-GAP Benefit Window."

"M-GAP Annual Rider Charge" -[.35%- See Specifications Page]

"M-GAP Benefit Window" - the 30-day periods during which the Rider can be
exercised. The "M-GAP Benefit Window" always begins on a contract anniversary.
The first "M-GAP Benefit Window" begins on the contract anniversary immediately
following the "M-GAP Waiting Period." Subsequent "M-GAP Benefit Windows" occur
on each contract anniversary thereafter.

APPLICABILITY:

This Rider is part of the contract to which it is attached and is effective on
the "M-GAP Effective Date." The Rider can be exercised only when the Owner
elects to begin annuity benefit payments under all of the following conditions:

                  (a)      during an "M-GAP Benefit Window;"

                  (b)      under a fixed annuity option involving a life
                           contingency; and

                  (c)      at the guaranteed annuity purchase rates specified
                           under the Annuity Option Tables in the contract.

(1) In order to be "selected," the Company must have received and recorded the
Owner's selection of the Rider.

FORM 3287-00

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BENEFIT:

When the Rider is exercised, the M-GAP Benefit Base, less any applicable premium
tax, is the Annuity Value. On each contract anniversary, commencing with the
"M-GAP Effective Date," the M-GAP Benefit Base is determined. The M-GAP Benefit
Base is equal to the greatest of the following:

                  (a)      the Accumulated Value increased by any positive
                           Market Value Adjustment ("MVA"), if applicable;

                  (b)      the sum of:

                           (1)      the "M-GAP Initial Payment Amount"
                                    accumulated daily at the "M-GAP Effective
                                    Annual Yield" starting on the "M-GAP
                                    Effective Date" and

                           (2)      gross payments to the contract after the
                                    "M-GAP Effective Date" accumulated daily at
                                    the "M-GAP Effective Annual Yield" starting
                                    on the Effective Valuation Date of each
                                    gross payment, proportionately reduced to
                                    reflect withdrawals; and

                  (c)      the highest Accumulated Value on any contract
                           anniversary since the "M-GAP Effective Date" as
                           determined after being increased for any positive MVA
                           and proportionately reduced for subsequent
                           withdrawals.

PROPORTIONATE REDUCTION:

Sections (b) and (c) refer to a proportionate reduction. This proportionate
reduction is calculated by multiplying the (b) or (c) value, whichever is
applicable, determined immediately prior to the withdrawal by the following:

                            Amount of the Withdrawal
                            ------------------------
        Accumulated Value determined immediately prior to the withdrawal

The M-GAP Benefit Base does not create an Accumulated Value. It is used solely
to determine the Annuity Value when the Rider is exercised.

REVERSAL OF DECISION TO ANNUITIZE:

If the Owner reverses the decision to annuitize, the excess of the M-GAP Benefit
Base over the Annuity Value without the Rider, if any, will not be credited to
the contract's Accumulated Value.

CHARGE FOR BENEFITS:

While this Rider is in effect, the company will assess the M-GAP Annual Rider
Charge (see the Specifications page).

FORM 3287-00

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TERMINATION:

This Rider will terminate on the earliest of the following dates:

                  (a)      the Annuity Date;

                  (b)      when a Death Benefit is payable and the contract is
                           not continued under a spousal takeover;

                  (c)      surrender of the contract; or

                  (d)      receipt of the Owner's Written Request to terminate
                           the Rider. The Owner may terminate the Rider anytime
                           after the end of the 7-year period beginning on the
                           "M-GAP Effective Date." The Rider may be terminated
                           prior to the end of such 7-year period only if such
                           termination occurs on a contract anniversary or
                           within the 30-day period immediately thereafter and
                           in conjunction with the Owner's exercise of the
                           "Repurchase Option," described below.

REPURCHASE OPTION:

If an Owner terminates the Rider on a contract anniversary or within the 30-day
period immediately thereafter, the Owner may purchase another M-GAP Rider, at
its then current charge, only if on the date of termination:

                  1)       an M-GAP Rider is still being offered by the Company
                           and

                  2)       the Owner purchases an M-GAP Rider, with an "M-GAP
                           Waiting Period" equal to or longer than the "M-GAP
                           Waiting Period" for this Rider.

For purposes of determining the "M-GAP Effective Date" of the new Rider, the
date of termination of this Rider will be considered to be the date of selection
of the new Rider.

                      Signed for the Company at Dover, Delaware

        President                                                   Secretary

FORM 3287-00

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