Document:

Exhibit 4(c)

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                       PURCHASE PAYMENT CREDIT ENDORSEMENT
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This Endorsement is made part of Your Contract to which it is attached and is
effective on the date stated below :

[CONTRACT OWNER:]       [JOHN DOE]
CONTRACT NUMBER:        [SPECIMEN]
EFFECTIVE  DATE:        [JANUARY 1, 2003]

The "Purchase Payment Credit" provision in Your Contract is deleted and replaced
with the following:

PURCHASE PAYMENT CREDIT

We will add a Purchase Payment Credit to this Contract with each Purchase
Payment that is applied on or after the effective date of this rider. The
Purchase Payment Credit will be equal to the Purchase Payment multiplied by the
Purchase Payment Credit Percentage. Each Purchase Payment Credit will be applied
on a pro rata basis to the Investment Options in the same ratio as the
applicable Purchase Payment.

The Purchase Payment Credit Percentage reflected in the Contract Specification
page will remain in effect for the first Contract Year and is based upon the
oldest age of the Owner/Annuitant on the Contract Effective Date. The Purchase
Payment Credit percentage to be applied after the first contract year will be
based upon the oldest age of the Owner/Annuitant on the date the Purchase
Payment is credited to Your Contract as follows:

         Age 69 and under:          [5]%
         Age 70 through Age 80:     [4]%

Purchase Payment Credits will be deducted from any refund amount under the
following circumstances:

     (a)  upon return of this Contract during the Right to Examine Period;
     (b)  due to death of the Owner or Annuitant (with no Contingent Annuitant
          surviving) during the 12 months following the application of any
          Purchase Payment Credit; or
     (c)  termination of this Contract during the 12 months following the
          application of any Purchase Payment Credit.

When a Purchase Payment Credit is deducted from a refund amount as described
above, You retain any gains and We incur any losses attributable to that
Purchase Payment Credit. Additionally, if a Purchase Payment Credit is deducted
from a refund amount, no withdrawal charge will be assessed on that Purchase
Payment Credit.

                             /s/ George C. Kokulis

                                    PRESIDENTExhibit 4(d)

                DEFERRED ANNUAL STEP-UP DEATH BENEFIT ENDORSEMENT

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

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                             DEATH BENEFIT PROVISION
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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. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. 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 dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit 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.

DEATH PROCEEDS PRIOR TO THE MATURITY DATE

Upon the death of the Annuitant, the death benefit payable as of the Death
Report Date will be the greatest of a), b) or c) below, less any applicable
premium tax:

a)   the Contract value on the Death Report Date less any Purchase Payment
     Credits applied within 12 months of death; or
b)   the Adjusted Purchase Payment (as described below); or
c)   the Step-Up Value (if any, as described below)

         ADJUSTED PURCHASE PAYMENT

         The initial Adjusted Purchase Payment is equal to the initial Purchase
         Payment. Whenever any additional Purchase Payment(s) are made, the
         Adjusted Purchase Payment is increased by the amount of the Purchase
         Payment. Whenever a partial surrender is taken, the Adjusted Purchase
         Payment is reduced by a Partial Surrender Reduction as described below

         STEP-UP VALUE

         A Step-Up Value will be established on the [ninth] Contract Date
         anniversary that occurs on or prior to the Death Report Date. The
         Step-Up Value will initially equal the Contract Value on that
         anniversary, less any Purchase Payment Credits applied within the
         previous 12 months. On each subsequent Contract Date anniversary that
         occurs before the Annuitant's [80th] birthday and before the
         Annuitant's death, if the Contract Value less any Purchase Payment
         Credits applied within 12 months is greater than the Step-Up Value, the
         Step-Up Value will be increased to equal the Contract Value less any
         Purchase Payment Credits applied within the last 12 months. If the
         Step-Up Value is greater than the Contract Value less any Purchase
         Payment Credits applied within the last 12 months, the Step-Up Value
         will remain unchanged. Whenever a Purchase Payment is made, the Step-Up
         value will be increased by the amount of that Purchase Payment.
         Whenever a partial surrender is taken, the Step-Up Value will be
         reduced by a partial Surrender Reduction as described below. The only
         changes made to the Step-Up Value on or after the Annuitant's [80th]
         birthday will be those related to additional Purchase Payments or
         partial surrenders as described below. If either the Death Report Date
         or the Annuitant's [80th] birthday occurs before the [ninth] Contract
         Date anniversary, there is no Step-Up Value.

PARTIAL SURRENDER REDUCTIONS

Adjusted Purchase Payment
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The Partial Surrender Reduction is equal to 1) the Adjusted Purchase Payment 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 less
any Purchase Payment Credits applied within the 12 month period immediately
prior to the partial surrender.

<PAGE>

Step-Up Value
-------------
The Partial Surrender Reduction is equal to 1) the Step-Up Value 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 less any
Purchase Payment Credits applied within the 12 month period immediately prior to
the partial surrender.

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.

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                             /s/ George C. Kokulis

                                    PRESIDENTExhibit 4(e)

                           DEATH BENEFIT ENDORSEMENT I

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

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                             DEATH BENEFIT PROVISION
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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. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. 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 dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit 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.

DEATH PROCEEDS PRIOR TO THE MATURITY DATE

Upon the death of the Annuitant, the death benefit payable as of the Death
Report Date will be the greatest of a), b) or c) below, less any applicable
premium tax:

a)   the Contract value on the Death Report Date less any Purchase Payment
     Credits applied within 12 months of death; or
b)   the Adjusted Purchase Payment (as described below); or
c)   the Step-Up Value (if any, as described below)

         ADJUSTED PURCHASE PAYMENT

         The initial Adjusted Purchase Payment is equal to the initial Purchase
         Payment. Whenever any additional Purchase Payment(s) are made, the
         Adjusted Purchase Payment is increased by the amount of the Purchase
         Payment. Whenever a partial surrender is taken, the Adjusted Purchase
         Payment is reduced by a Partial Surrender Reduction as described below

         STEP-UP VALUE

         The Step-Value will initially equal the Contract Value on the first
         Contract Date anniversary, less any Purchase Payment Credits applied
         within the last 12 months. On each subsequent Contract Date anniversary
         that occurs before the Annuitant's [80th] birthday and before the
         Annuitant's death, if the Contract Value less any Purchase Payment
         Credits applied within 12 months is greater than the Step - Up Value,
         the Step - Up Value will be increased to equal the Contract Value less
         any Purchase Payment Credits applied within the last 12 months. If the
         Step -Up Value is greater than the Contract Value less any Purchase
         Payment Credits applied within the last 12 months, the Step - Up Value
         will remain unchanged. Whenever a Purchase Payment is made, the Step -
         Up value will be increased by the amount of that Purchase Payment.
         Whenever a partial surrender is taken, the Step - Up Value will be
         reduced by a partial Surrender Reduction as described below. The only
         changes made to the Step - Up Value on or after the Annuitant's [80th]
         birthday will be those related to additional Purchase Payments or
         partial surrenders as described below.

PARTIAL SURRENDER REDUCTIONS

Adjusted Purchase Payment
-------------------------
The Partial Surrender Reduction is equal to 1) the Adjusted Purchase Payment 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 less
any Purchase Payment Credits applied within 12 months, immediately prior to the
partial surrender.

<PAGE>

Step-Up Value
-------------
The Partial Surrender Reduction is equal to 1) the Step - Up Value 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 less any
Purchase Payment Credits applied within 12 months, immediately prior to the
partial surrender.

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.

                             /s/ George C. Kokulis

                                    PRESIDENT

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