Document:

Exhibit (4)(e)

 EXHIBIT (4)(e)
 Form of Rider (Income Select for Life) 

			
		  	 Home Office located at:
 4
Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:
 4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499

		  
	

	  
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.40%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (IS)	  	(1)	 	(Income-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value
taken on or after January 1st following the annuitant’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value
equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in
accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be
paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s
death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and
annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of
negative investment performance. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $5000 each calendar year for the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar
year). 
  

					
	RGMB 18 0106 (NY) (IS)	  	(2)	 	(Income-Single)

 ARTICLE II CONTINUED 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be
taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

					
	RGMB 18 0106 (NY) (IS)	  	(3)	 	(Income-Single)

 ARTICLE II CONTINUED 
  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (IS)	  	(4)	 	(Income-Single)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider
anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (IS)	  	(5)	 	(Income-Single)

			
		  	 Home Office located at:
 4
Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:
 4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499

		  
	

	  
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  
  

			
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.60%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (IJ)	  	(1)	 	(Income-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT

 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the
later of the annuitant’s or the annuitant’s spouse’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained
age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (IJ)	  	(2)	 	(Income-Joint)

 ARTICLE II CONTINUED 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum
annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole
beneficiary, and you make a single premium payment of $100,000 when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has
declined to $50,000 solely because of negative investment performance. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to $5000 each calendar year for
the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar year). 
 Please see the Appendix attached to this rider which
illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the
policy value. 
 Maximum Annual Withdrawal Amount 
 On the
rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below) 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

					
	RGMB 18 0106 (NY) (IJ)	  	(3)	 	(Income-Joint)

 ARTICLE II CONTINUED 
  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days
after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a
new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be chosen, if available by the Company. The new rider
will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual
withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all
information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 

 

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (IJ)	  	(4)	 	(Income-Joint)

			
	 

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  
  

			
	Policy Number:	 	12345
	Rider Date:	 	12/15/2006
	Growth Rate Percentage:	 	5.00%
	Rider Fee Percentage:	 	0.65%
	Annuitant:	 	John Doe
	Annuitant’s Issue Age/Sex:	 	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (GS)	  	(1)	 	(Income/Growth-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th
birthday: 
  

			
	Attained Age at
First Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

  

					
	RGMB 18 0106 (NY) (GS)	  	(2)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and
guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which
this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 We
guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total
withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or
additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to
$162,889. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $8,144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8,144 in any one calendar year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over 

 from past calendar years are not considered. 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as
described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (GS)	  	(3)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy 
  

					
	RGMB 18 0106 (NY) (GS)	  	(4)	 	(Income/Growth-Single)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income
payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted
and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If
an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage.
The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Signed for us at our home office. 
  

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (GS)	  	(5)	 	(Income/Growth-Single)

			
	

	  	Home Office located at:
	  	4 Manhattanville Road, Purchase, New York 10577
	  	Adm. Office located at:
	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Growth Rate Percentage:	  	5.00%
	Rider Fee Percentage:	  	1.10%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(1)	 	(Income/Growth-Joint)

 ARTICLE I CONTINUED  
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). 
 The total withdrawal base during the growth period (as described in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdraw base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(2)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the
younger of the living spouse’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal
amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum
remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole beneficiary, and you make a single premium payment of $100,000
when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment
performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to $162,889. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to
$8144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8144 in any one calendar year). 
 Please see the Appendix
attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and
it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

					
	RGMB 18 0106 (NY) (GJ)	  	(3)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below) 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Total Withdrawal
Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial
withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (GJ)	  	(4)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED  
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy. 
 ARTICLE III 

 CONTINUATION 
 In the case of spousal joint owners
where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total
withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new
rider with the same features will be issued with a new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be
chosen, if available by the Company. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this
rider’s Rider Fee Percentage 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal
base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to
process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (GJ)	  	(5)	 	(Income/Growth-Joint)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.65%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application
which is attached and made part of this policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in
force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A
rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (DS)	  	(1)	 	(Income/Death-Single)

 Rider Fee 
 The rider
fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider
anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium
enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any
adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value
equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in
accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be
paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s
death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and
annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of
negative investment performance. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $5000 each calendar year for the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar
year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (DS)	  	(2)	 	(Income/Death-Single)

 ARTICLE II CONTINUED 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual
Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (DS)	  	(3)	 	(Income/Death-Single)

 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base
policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can generally transfer between the designated funds as
permitted under your policy 
  

					
	RGMB 18 0106 (NY) (DS)	  	(4)	 	(Income/Death-Single)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the
annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee
Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders with different features may be chosen, if available by the Company. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (DS)	  	(5)	 	(Income/Death-Single)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Rider Fee Percentage:	  	0.80%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or the
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must
be in one or more of the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as
provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(1)	 	(Income/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS:  
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT

 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the
annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s 59th birthday. 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(2)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
 We guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until .the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum
annual withdrawal amount may impact the total withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole
beneficiary, and you make a single premium payment of $100,000 when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has
declined to $50,000 solely because of negative investment performance. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to $5000 each calendar year for
the rest of your life (assuming that you do not withdraw more than $5000 in any one calendar year). 
 Please see the Appendix attached to this rider which
illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the
policy value. 
 Maximum Annual Withdrawal Amount 
 On the
rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

					
	RGMB 18 0106 (NY) (DJ)	  	(3)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Minimum
Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining,
provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments
for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”). 
 Minimum Remaining Withdrawal Amount Adjustments 

Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross
partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
  

					
	RGMB 18 0106 (NY) (DJ)	  	(4)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED  
 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy. 
 ARTICLE III 

 CONTINUATION 
 In the case of spousal joint owners
where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this
time. 
 RIDER UPGRADE 
 You may elect, in writing, to
upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will
terminate and a new rider with the same features will be issued with a new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired other riders with different
features may be chosen, if available by the Company. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base.

 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the
upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (DJ)	  	(5)	 	(Income/Death-Joint)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
  

			
	Rider Data Specification
		
	Policy Number:	  	12345
	Rider Date:	  	12/15/2006
	Growth Rate Percentage:	  	5.00%
	Rider Fee Percentage:	  	0.90%
	Annuitant:	  	John Doe
	Annuitant’s Issue Age/Sex:	  	35 / Male

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you
surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is
changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider.

 If you elect this rider, 100% of your policy value must be in one or more of the designated funds (shown on the application which is attached and
made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to
make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial
withdrawal. 
 Maximum Annual Withdrawal Amount 
 The
maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant. 
 Rider Anniversary

 The anniversary of the rider date. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(1)	 	(Income/Growth/Death-Single)

 ARTICLE I CONTINUED 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is
deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days
that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” in Article II) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period; 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments”) including the withdrawal at the end of the growth period, if any.

 The Growth Period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s 59th
birthday: 
  

			
	Attained Age at First
Withdrawal	  	“For Life” Withdrawal
Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

  

					
	RGMB 18 0106 (NY) (AS)	  	(2)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and
guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which
this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 We
guarantee that you may withdraw up to the maximum annual withdrawal amount each year regardless of the policy value until the annuitant’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total
withdrawal base, and the minimum remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant and make a single premium payment of $100,000 when you are 55 years old. Assume you do not make any withdrawals or
additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to
$162,889. Assuming a “For Life” withdrawal percentage of 5%, you could still withdraw up to $8,144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8,144 in any one calendar year). 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(3)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as
described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the
maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 Minimum
Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining,
provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments
for withdrawals (as described under “Minimum Withdrawal Amount Adjustments” below). 
 Minimum Remaining Withdrawal Amount Adjustments

 Gross partial withdrawals up to the maximum annual withdraw amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for
dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

					
	RGMB 18 0106 (NY) (AS)	  	(4)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit.  
 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base
policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can generally transfer between the designated funds as
permitted under your policy 
 ARTICLE III  
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the
annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
  

					
	RGMB 18 0106 (NY) (AS)	  	(5)	 	(Income/Growth/Death-Single)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider
anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. Other riders
with different features may be chosen, if available by the Company. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded
to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date
will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (AS)	  	(6)	 	(Income/Growth/Death-Single)

			
	

	  	Home Office located at:
	  	 4 Manhattanville Road, Purchase, New York 10577
 Adm. Office located at:

	  	4333 Edgewood Road N.E. Cedar Rapids, Iowa 52499
	A Stock Company (Hereafter called the Company, we, our or us)	  	(319) 398-8511

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. 
 Rider Data Specification 
  

			
	Policy Number:	 	12345
	Rider Date:	 	12/15/2006
	Growth Rate Percentage:	 	5.00%
	Rider Fee Percentage:	 	1.30%
	Annuitant:	 	John Doe
	Annuitant’s Issue Age/Sex:	 	35 / Male
	Annuitant’s Spouse:	 	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	 	35 / Female

 ARTICLE I 
 This benefit provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the contract equal to the “For Life” Withdrawal Percentage shown above of the benefit base. The benefit base is
established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender benefit or other guaranteed benefits. 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or
annuitant’s spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter. Termination of the
rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, 100% of your policy value must be in one or more of
the designated funds (shown on the application which is attached and made part of the policy). You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy
to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the
annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(1)	 	(Income/Growth/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The maximum amount you may withdraw, under this rider, each year regardless of the policy value until the death of the annuitant or annuitant’s spouse. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each subaccount in proportion to the amount of policy value in that subaccount on each rider anniversary. A portion of this fee will also
be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date. 
 Total Withdrawal Base

 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy
year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage shown in the Rider Data Specifications, as described in Article I. The
growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the 10th rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(2)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The
“For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the
living spouse’s 59th birthday: 
  

			
	Attained Age at First Withdrawal	  	“For Life” Withdrawal Percentage
	59 - 64	  	4.5%
	65 - 69	  	5.0%
	70 - 74	  	5.5%
	75 - 79	  	6.0%
	80 - 84	  	6.5%
	85 - 89	  	7.0%
	90 - 94	  	7.5%
	95 +	  	8.0%

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s 59th birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are
established, they cannot be changed and no additional withdrawals will be paid. 
 We guarantee that you may withdraw up to the maximum annual withdrawal
amount each year regardless of the policy value until the annuitant’s or annuitant’s spouse’s death. Any amount you withdraw in excess of the maximum annual withdrawal amount may impact the total withdrawal base, and the minimum
remaining withdrawal amount on a greater than dollar-for-dollar basis. 
 Example 
 Assume you are the owner and annuitant, and your spouse is either a joint owner or sole beneficiary, and you make a single premium payment of $100,000
when you are 55 years old and your spouse is 60 years old. Assume you do not make any withdrawals or additional premium payments. Assume that after ten rider years, your policy value has declined to $50,000 solely because of negative investment
performance, and your total withdrawal base has accumulated at the growth rate percentage of 5% to $162,889. Assuming a “For Life” withdrawal percentage of 5% based on the younger age of you and your spouse, you could still withdraw up to
$8144 each calendar year for the rest of your life (assuming that you do not withdraw more than $8144 in any one calendar year). 
 Please see the Appendix
attached to this rider which illustrates the withdrawal benefit. 
 The Guaranteed Minimum Withdrawal Benefit can only be taken as a withdrawal benefit and
it does not increase the policy value. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on the rider date, this
percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 18 0106 (NY) (AJ)	  	(3)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. 
 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional
withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On
January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet 59 on January 1st of
the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for the policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.

 An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal
amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(4)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals
you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less any premium enhancements, if the rider is added
in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any)
less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments” below). 
 Minimum Remaining Withdrawal Amount
Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount
(dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to
the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 Designated Funds 
 If you elect this rider, you must allocate 100% of your initial premium payment and any subsequent premium payments into one or more of the designated funds. You can
generally transfer between the designated funds as permitted under your policy. 
  

					
	RGMB 18 0106 (NY) (AJ)	  	(5)	 	(Income/Growth/Death-Joint)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No death benefit will be paid under this rider at this time. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days
after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a
new rider date. Both annuitants must be alive when the upgrade is elected. If only one annuitant is alive or if a different rider structure is desired, other riders with different features may be chosen, if available by the Company. The new rider
will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated
based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

			
	

	 	

	SECRETARY	 	PRESIDENT

  

					
	RGMB 18 0106 (NY) (AJ)	  	(6)	 	(Income/Growth/Death-Joint)Offer Letter between Wind River Systems, Inc. and Ian Halifax

 Exhibit 10.1 
 

 
 January 30, 2007 
 Ian Halifax 
 [address] 
 Dear Ian: 
 I am pleased to extend an offer of employment to you for the position of Senior Vice President of Finance and Administration, Chief Financial Officer in our Alameda, CA
office, reporting to Ken Klein. Your starting salary will be $350,000 annualized. You will also be eligible to participate in our annual incentive plan with a target payout of 50% of annual earned base salary based on achievement of company results.
Your start date will be Monday, February 26, 2007; however, you will not be required to certify our 10-Q SEC filings for Q2 and Q3 of our fiscal year 2007. 
 Wind River provides a comprehensive benefits package for all employees. Your benefits will start on your date of hire. Included are company medical, dental, vision, life insurance, Section 125, 401(k), EAP and short and long-term
disability plans. You will be entitled to not less than 15 vacation days each year (in addition to Wind River’s 11 holidays), subject to Wind River’s vacation accrual policy. You will be entitled to reimbursement for reasonable business
expenses incurred by you in the performance of your duties for Wind River in accordance with Wind River’s business expense reimbursement policy. 
 Upon
receipt of an itemized bill, Wind River will reimburse you (or directly pay) for your legal expenses incurred in connection with the review and negotiation of this letter and the agreements referenced herein in an amount not to exceed $10,000.

 As a Vice President of Wind River Systems, you are considered an “Eligible Employee” under the Executive Officers’ Change of Control
Incentive Plan (the “Change of Control Plan”) and the Vice Presidents’ Severance Benefits Plan (the “Severance Plan”). Additionally, in the event you are terminated without Cause or voluntarily terminate your employment
within ninety (90) days after you learn of the occurrence of the event which forms the basis for your termination for Good Reason (both as defined herein) and such termination is not covered by the Change of Control Plan, then, subject to your
entering into and not revoking a release of claims in substantially the same applicable form as attached to the Vice Presidents’ Severance Benefit Plan (the “Release”) you will receive the following severance benefits: 
  

	 	•	 	an amount equal to 12 months of your base salary as of your termination date plus an amount equal to one hundred percent (100%) of your actual bonus for the fiscal year prior
to the fiscal year in which the termination occurs, less required withholdings and deductions, payable commencing within ten (10) days after the effective date of the Release in equal monthly installments over the period of 12 months from your
termination date; 

  

	 	•	 	12 months of additional credit towards the vesting and exercisability of all stock options then held by you, with such stock options remaining exercisable pursuant to the terms of
the Company’s applicable compensatory stock plans and the corresponding award agreements. 

 Any severance benefits due to you under the
Severance Plan shall be automatically reduced to the extent you receive the severance benefits set forth above. 

 For the purposes of this offer letter, “Cause” shall mean the occurrence of one or more of the
following: (i) your willful and continued failure to perform the duties and responsibilities of your position after there has been delivered to you a written demand for performance from the CEO or Board of Directors (the “Board”)
which describes the basis for the belief that you have not substantially performed your duties and provides you with 30 days to take corrective action; (ii) any act of personal dishonesty taken by you in connection with your responsibilities as
an employee with the intention or reasonable expectation that such may result in your substantial personal enrichment; or (iii) your conviction of a felony which the CEO or Board reasonably believes has had or will have a material detrimental
effect on the Company’s reputation or business. Your physical or mental disability or death shall not constitute Cause hereunder. 
 For the
purposes of this offer letter, “Good Reason” shall mean any one of the following events without your express written consent: (i) a reduction of your duties, title, authority, or responsibilities as Chief Financial Officer,
relative to your duties, title, authority or responsibilities as in effect at the Measuring Time; (ii) a reduction by the Company in your base salary as in effect at the Measuring Time except for a one-time reduction, in an amount of up to 10%,
that also is applied to substantially all of the Company’s other senior executives; (iii) a reduction by the Company in the aggregate level of employee benefits, including bonuses, to which you were entitled at the Measuring Time with the
result that your aggregate benefits package is materially reduced; (iv) your relocation of Executive to a facility or location more than 35 miles from your location at the commencement of your employment; (v) a material breach by the
Company of its obligations under this Agreement; or (vi) the failure of the Company to obtain the assumption of this Agreement by any successors; provided, however, that Good Reason shall not exist unless you provide the Company with written
notice specifying the grounds for the purported Good Reason and such grounds are not cured within 30 days of the Company’s receipt of such notice. For purposes of the preceding sentence, “Measuring Time” means
(i) immediately prior to the applicable reduction, or (ii) Executive’s commencement of employment. 
 Subject to approval by the Compensation
Committee of the Board of Directors, you will also be granted, on the fifteenth business day in the month following your first day of employment, an option to purchase 425,000 shares of Wind River Common Stock in accordance with our stock option
grant procedures. This option will vest as follows: 25% of the shares subject to the option shall vest after 12 months of service. Thereafter, your option will vest at a rate of  1/48th of the total grant
on your monthly anniversary date for the following three years, subject to your continued service. The term of this option is seven years. Further details of your option will be contained in your option agreement, which you will receive shortly
after the grant date, for your review, signature and return. 
 All Wind River employees work by an employment-at-will understanding. This means that
either you or Wind River may terminate the employment relationship at any time, with or without notice and with or without cause or reason. As with any employment, we must ask that you bring proper documentation showing that you are eligible to work
in the United States. Please provide us with this documentation on your first day of work. 

 Ian, I think you can see that Wind River is a unique company. Our success is derived from the people who work here. All
who have met you believe that you can make an important personal contribution to Wind River’s future. If this offer is acceptable to you, please sign and return via fax one copy of this letter and the Invention Assignment and Proprietary
Information Agreement to me. Please call me if you have any questions. 
 Sincerely, 
  

	
	  
 /s/ Jeff Loehr

	Jeff Loehr
	Vice President, Human Resources

 I accept Wind River’s offer of employment. 
  

			
	  
 /s/ Ian Halifax
	  	 January 31, 2007

	Name	  	Date

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