Document:

<PAGE>
                     PURCHASE PAYMENT ACCUMULATION OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Participant's or Owner's
("Owner) 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 "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract. The following is added
to the "DEFINITIONS" section of the Contract:

      "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of
      the Death Benefit payable to account for Purchase Payment and/or
      Withdrawal activity after a specified point in time which will equal a, b
      or c, whichever is applicable, as follows:

            (a)   Where only Purchase Payment(s) are received after the
                  specified point in time, the dollar value of the Purchase
                  Payment(s) will be added to the Death Benefit payable; or

            (b)   Where only Withdrawals are made after the specified point in
                  time, the Withdrawal will reduce the Death Benefit payable in
                  the same proportion that the Contract Value was reduced at the
                  time of the Withdrawal; or

            (c)   Where Purchase Payment(s) have been received and Withdrawals
                  made after the specified point in time, the Death Benefit
                  amount payable will be adjusted by Purchase Payment(s)
                  received after a specified point in time, reduced by any
                  Withdrawal, received after that specified point in time in the
                  same proportion that the Contract Value was reduced at the
                  time of the Withdrawal.

      "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced for
      each Withdrawal in the same proportion that the Contract Value is reduced
      by such Withdrawal.

      "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.

      "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including
      any charges and fees applicable to each such Withdrawal.

The definition of "SPOUSAL BENEFICIARY" is modified to read:

"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."

                                       1
<PAGE>
Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract is modified as follows:

      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 calculation of certain death benefits upon the
            death of the Spousal Beneficiary."

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [0.15%] of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
or Variable Portfolio(s) to which the Contract is allocated. We deduct this
charge daily. This charge is in addition to the charges in Your Contract.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT

If the Owner was age [74 or younger] on the Contract Date, upon Our receipt at
Our Annuity Service Center of all Required Documentation, We will calculate the
Death Benefit and it will be the greatest of:

            (1)   [100% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center; or

            (2)   [100% of] Net Purchase Payment(s) compounded at [3%] interest
                  until the earlier of the Owner's [75th] birthday or the date
                  of death; and a Death Benefit Adjustment for Purchase
                  Payment(s)transacted after the Owner's [75th] birthday but
                  prior to the Owner's [86th] birthday and/or Withdrawals
                  transacted after the owner's [75th] birthday; or

            (3)   [100% of] Contract Value at the [seventh] Contract
                  anniversary; and a Death Benefit Adjustment for Purchase
                  Payment(s) transacted after the [seventh] Contract anniversary
                  but prior to the Owner's [86th] birthday and/or Withdrawals
                  transacted after the [seventh] Contract anniversary.

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

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Contract Value on the Continuation Date; and a Death
            Benefit Adjustment for Purchase Payment(s) and/or Withdrawals
            transacted since the Continuation Date, compounded at [3%] interest
            until the earlier of the Spousal Beneficiary's [75th] birthday or
            the date of death; and a further Death Benefit Adjustment for
            Purchase Payment(s) transacted after the Spousal Beneficiary's

                                       2
<PAGE>
            [75th] birthday but prior to the Spousal Beneficiary's [86th]
            birthday and/or Withdrawals transacted after the Spousal
            Beneficiary's [75th] birthday or

     (3)    [100% of] Contract Value at the [seventh] Contract anniversary; and
            a Death Benefit Adjustment for Purchase Payment(s) transacted after
            the [seventh] Contract anniversary but prior to the Spousal
            Beneficiary's [86th] birthday and/or Withdrawals transacted after
            the [seventh] Contract anniversary.

      If the Spousal Beneficiary was age [75 but younger than age 83] 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)   [100% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center; or

            (2)   [100% of] Contract Value on the Continuation Date, and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

            (3)   [100% of] the Maximum Anniversary Value after the Continuation
                  Date that occurs prior to the Spousal Beneficiary's [83rd]
                  birthday. The Maximum Anniversary Value is equal to the
                  greatest anniversary value attained from the following:

            As of the date of receipt at Our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary and a Death Benefit Adjustment for
            Purchase Payment(s) transacted after that Contract anniversary but
            prior to the Spousal Beneficiary's [86th] birthday and/or
            Withdrawals transacted since that Contract anniversary.

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

            (1)   [100% of] 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)    [100% of] Contract Value on the Continuation Date and a
                        Death Benefit Adjustment for Purchase Payment(s)
                        transacted after the Continuation Date but prior to the
                        Spousal Beneficiary's [86th] birthday and/or Withdrawals
                        transacted after the Continuation Date; or

                  b)    [125% of] 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 at the time of death, the Death
Benefit will be [100% of] Contract Value for the NYSE business day during which
We receive all Required Documentation at Our Annuity Service Center.

                                       3
<PAGE>
Signed for the Company to be effective on the Contract Date.

AIGSUNAMERICA LIFE ASSURANCE COMPANY

/s/ Christine A. Nixon                          /s/ Jana W. Greer
-------------------------------                 --------------------------------
Christine A. Nixon                              Jana W. Greer
Secretary                                       President

                                       4<PAGE>

                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Participant's or Owner's
("Owner") 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 "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract.

The following is added to the DEFINITIONS section of the Contract:

      "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of
      the Death Benefit payable to account for Purchase Payment and/or
      Withdrawal activity after a specified point in time which will equal a, b
      or c, whichever is applicable, as follows:

            (a)   Where only Purchase Payment(s) are received after the
                  specified point in time, the dollar value of the Purchase
                  Payments will be added to the Death Benefit payable; or

            (b)   Where only Withdrawals are made after the specified point in
                  time, the Withdrawal will reduce the Death Benefit payable in
                  the same proportion that the Contract Value was reduced at the
                  time of the Withdrawal; or

            (c)   Where Purchase Payment(s) have been received and Withdrawals
                  made after the specified point in time, the Death Benefit
                  amount payable will be adjusted by Purchase Payment(s)
                  received after a specified point in time, reduced by any
                  Withdrawal, received after that specified point in time in the
                  same proportion that the Contract Value was reduced at the
                  time of the Withdrawal.

      "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced for
      each Withdrawal in the same proportion that the Contract Value is reduced
      by such Withdrawal.

      "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.

The definition of "SPOUSAL BENEFICIARY" is modified to read: "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."

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

      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 calculation of certain death benefits upon the
            death of the Spousal Beneficiary."

                                       1
<PAGE>
The section titled "AMOUNT OF DEATH BENEFIT" in the Contract is modified as
follows:

If the Owner was age [82 or younger] on the Contract Date, [and death occurs
prior to the [90th] birthday,] 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)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Net Purchase Payment(s) received prior to the Owner's
            [86th] birthday.

If the Owner was at least age [83 but younger than age 86] on the Contract Date,
[and death occurs prior to the Owner's [90th] birthday,] 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)   [100% of] 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)    [100% of] Net Purchase Payment(s) received prior to the
                  Owner's [86th] birthday; or

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

[If the Owner was age [90] or older at the time of death, 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.]

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary was age [82 or younger] on the Continuation Date and
was younger than age [86] at the time of death, 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)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Contract Value on the Continuation Date, and a Death
            Benefit Adjustment for Purchase Payment(s) transacted after the
            Continuation Date but prior to the Spousal Beneficiary's [86th]
            birthday and/or Withdrawals transacted after the Continuation Date.

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

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center;
            or;

      (2)   The lesser of:

                                       2
<PAGE>
            a)    [100% of] Contract Value on the Continuation Date, and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

            b)    [125% of] 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 at the time of death, the Death
Benefit will be [100% of] 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/ Christine A. Nixon                          /s/ Jana W. Greer
-------------------------------                 --------------------------------
Christine A. Nixon                              Jana W. Greer
Secretary                                       President

                                       3
<PAGE>

                       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 Participant's or Owner's
("Owner") 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 "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract.

The following is added to the "DEFINITIONS" section of the Contract:

      "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of
      the Death Benefit payable to account for Purchase Payment and/or
      Withdrawal activity after a specified point in time which will equal a, b
      or c, whichever is applicable, as follows:

            (a)   Where only Purchase Payment(s) are received after the
                  specified point in time, the dollar value of the Purchase
                  Payments will be added to the Death Benefit payable; or

            (b)   Where only Withdrawals are made after the specified point in
                  time, the Withdrawal will reduce the Death Benefit payable in
                  the same proportion that the Contract Value was reduced at the
                  time of the Withdrawal; or

            (c)   Where Purchase Payment(s) have been received and Withdrawals
                  made after the specified point in time, the Death Benefit
                  amount payable will be adjusted by Purchase Payment(s)
                  received after a specified point in time, reduced by any
                  Withdrawal, received after that specified point in time in the
                  same proportion that the Contract Value was reduced at the
                  time of the Withdrawal.

      "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced for
      each Withdrawal in the same proportion that the Contract Value is reduced
      by such Withdrawal.

      "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.

      "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including
      any charges and fees applicable to each such Withdrawal.

The definition of "SPOUSAL BENEFICIARY" is modified to read:

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."

                                       1
<PAGE>
Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract is modified as follows:

      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 calculation of certain death benefits upon the
            death of the Spousal Beneficiary."

MAXIMUM ANNIVERSARY OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [0.15%] of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
or Variable Portfolio(s) to which the Contract is allocated. We deduct this
charge daily. This charge is in addition to the charges in Your Contract.

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT

If the Owner was age [82 or younger] on the Contract Date, and death occurs
prior to age [90] 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)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Net Purchase Payment(s) received prior to the earlier of
            the Owner's [86th] birthday or date of death; or

      (3)   [100% of] the Maximum Anniversary Value that occurs prior to the
            Owner's [83rd] birthday. The Maximum Anniversary Value is equal to
            the greatest anniversary value attained from the following:

            As of the date of receipt at our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary; and a Death Benefit Adjustment for
            Purchase Payment(s) transacted since that Contract anniversary but
            prior to the Owner's [86th] birthday and/or Withdrawals transacted
            since that Contract anniversary. .

If the Owner was at least age [83 but younger than age 86] on the Contract Date,
and death occurs prior to the [90th] birthday, 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)   [100% of] 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)    [100% of] Net Purchase Payment(s) received prior to the
                  Owner's [86th] birthday; or

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

If the Owner was at age [90] or older at the time of death, the Death Benefit
will be [100% of] Contract Value for the NYSE business day during which We
receive all Required Documentation at Our Annuity Service Center.

                                       2
<PAGE>
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)   [100% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center; or

            (2)   [100% of] Contract Value on the Continuation Date, and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

            (3)   [100% of] the Maximum Anniversary Value after the Continuation
                  Date and preceding the date of death that occurs prior to the
                  Spousal Beneficiary's [83rd] birthday. The Maximum Anniversary
                  Value is equal to the greatest anniversary value attained from
                  the following:

            As of the date of receipt at our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary and a Death Benefit Adjustment for
            Purchase Payment(s) transacted after that Contract anniversary but
            prior to the Spousal Beneficiary's [86th] birthday and/or
            Withdrawals transacted since that Contract anniversary.

      If the Spousal Beneficiary was at least age [83 but younger than age 86]
      on the Continuation Date, and death occurs prior to the [86th] birthday,
      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)   [100% of] 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)    [100% of] Contract Value on the Continuation Date, and a
                        Death Benefit Adjustment for Purchase Payment(s)
                        transacted after the Continuation Date but prior to the
                        Spousal Beneficiary's [86th] birthday and/or Withdrawals
                        transacted after the Continuation Date; or

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

      If the Spousal Beneficiary was at 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.

                                       3
<PAGE>
Signed for the Company to be effective on the Contract Date.

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ Christine A. Nixon                          /s/ Jana W. Greer
-------------------------------                 --------------------------------
Christine A. Nixon                              Jana W. Greer
Secretary                                       President

                                       4
<PAGE>
                     PURCHASE PAYMENT ACCUMULATION OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Participant's or Owner's
("Owner) 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 "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract. The following is added
to the "DEFINITIONS" section of the Contract:

      "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of
      the Death Benefit payable to account for Purchase Payment and/or
      Withdrawal activity after a specified point in time which will equal a, b
      or c, whichever is applicable, as follows:

            (a)   Where only Purchase Payment(s) are received after the
                  specified point in time, the dollar value of the Purchase
                  Payment(s) will be added to the Death Benefit payable; or

            (b)   Where only Withdrawals are made after the specified point in
                  time, the Withdrawal will reduce the Death Benefit payable in
                  the same proportion that the Contract Value was reduced at the
                  time of the Withdrawal; or

            (c)   Where Purchase Payment(s) have been received and Withdrawals
                  made after the specified point in time, the Death Benefit
                  amount payable will be adjusted by Purchase Payment(s)
                  received after a specified point in time, reduced by any
                  Withdrawal, received after that specified point in time in the
                  same proportion that the Contract Value was reduced at the
                  time of the Withdrawal.

      "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced for
      each Withdrawal in the same proportion that the Contract Value is reduced
      by such Withdrawal.

      "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.

      "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including
      any charges and fees applicable to each such Withdrawal.

The definition of "SPOUSAL BENEFICIARY" is modified to read:

"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."

                                       1
<PAGE>
Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract is modified as follows:

      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 calculation of certain death benefits upon the
            death of the Spousal Beneficiary."

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [0.15%] of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
or Variable Portfolio(s) to which the Contract is allocated. We deduct this
charge daily. This charge is in addition to the charges in Your Contract.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT

If the Owner was age [74 or younger] on the Contract Date, upon Our receipt at
Our Annuity Service Center of all Required Documentation, We will calculate the
Death Benefit and it will be the greatest of:

            (1)   [100% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center; or

            (2)   [100% of] Net Purchase Payment(s) compounded at [3%] interest
                  until the earlier of the Owner's [75th] birthday or the date
                  of death; and a Death Benefit Adjustment for Purchase
                  Payment(s)transacted after the Owner's [75th] birthday but
                  prior to the Owner's [86th] birthday and/or Withdrawals
                  transacted after the owner's [75th] birthday; or

            (3)   [100% of] Contract Value at the [seventh] Contract
                  anniversary; and a Death Benefit Adjustment for Purchase
                  Payment(s) transacted after the [seventh] Contract anniversary
                  but prior to the Owner's [86th] birthday and/or Withdrawals
                  transacted after the [seventh] Contract anniversary.

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

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Contract Value on the Continuation Date; and a Death
            Benefit Adjustment for Purchase Payment(s) and/or Withdrawals
            transacted since the Continuation Date, compounded at [3%] interest
            until the earlier of the Spousal Beneficiary's [75th] birthday or
            the date of death; and a further Death Benefit Adjustment for
            Purchase Payment(s) transacted after the Spousal Beneficiary's

                                       2
<PAGE>
            [75th] birthday but prior to the Spousal Beneficiary's [86th]
            birthday and/or Withdrawals transacted after the Spousal
            Beneficiary's [75th] birthday or

     (3)    [100% of] Contract Value at the [seventh] Contract anniversary; and
            a Death Benefit Adjustment for Purchase Payment(s) transacted after
            the [seventh] Contract anniversary but prior to the Spousal
            Beneficiary's [86th] birthday and/or Withdrawals transacted after
            the [seventh] Contract anniversary.

      If the Spousal Beneficiary was age [75 but younger than age 83] 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)   [100% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center; or

            (2)   [100% of] Contract Value on the Continuation Date, and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

            (3)   [100% of] the Maximum Anniversary Value after the Continuation
                  Date that occurs prior to the Spousal Beneficiary's [83rd]
                  birthday. The Maximum Anniversary Value is equal to the
                  greatest anniversary value attained from the following:

            As of the date of receipt at Our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary and a Death Benefit Adjustment for
            Purchase Payment(s) transacted after that Contract anniversary but
            prior to the Spousal Beneficiary's [86th] birthday and/or
            Withdrawals transacted since that Contract anniversary.

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

            (1)   [100% of] 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)    [100% of] Contract Value on the Continuation Date and a
                        Death Benefit Adjustment for Purchase Payment(s)
                        transacted after the Continuation Date but prior to the
                        Spousal Beneficiary's [86th] birthday and/or Withdrawals
                        transacted after the Continuation Date; or

                  b)    [125% of] 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 at the time of death, the Death
Benefit will be [100% of] Contract Value for the NYSE business day during which
We receive all Required Documentation at Our Annuity Service Center.

                                       3
<PAGE>
Signed for the Company to be effective on the Contract Date.

AIGSUNAMERICA LIFE ASSURANCE COMPANY

/s/ Christine A. Nixon                          /s/ Jana W. Greer
-------------------------------                 --------------------------------
Christine A. Nixon                              Jana W. Greer
Secretary                                       President

                                       4

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