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                                                                  Exhibit (4)(b)

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract to the contrary, this Endorsement
becomes a part of the Contract to which it is attached. Should any provision in
this Endorsement conflict with the Contract, the provisions of this Endorsement
will prevail.

This Endorsement modifies the "DEATH PROVISIONS" section in the Contract, as set
forth below.

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

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

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

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

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

If on the Contract Date the Maximum Anniversary Value death benefit was elected,
and the Owner dies before the Annuity Date, the following provisions apply:

MAXIMUM ANNIVERSARY OPTIONAL DEATH BENEFIT CHARGE

The annualized Maximum Anniversary Death Benefit Charge is as shown on the
Contract Data Page.

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT

If the Owner was age 82 or younger on the Contract Date, and death occurs prior
to the Owner's 90th birthday, upon Our receipt of all Required Documentation at
Our Annuity Service Center, We will calculate the death benefit and it will be
the greatest of:

    (1) The Contract Value as of the later of (a) the date of death of the Owner
        and (b) the NYSE business day during which We receive all Required
        Documentation at Our Annuity Service Center; or

    (2) Gross Purchase Payment(s) received prior to the earlier of the Owner's
        86th birthday or date of death, reduced for any Withdrawals in the same
        proportion that the Contract Value was reduced by such Withdrawal; or

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

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

If the Owner was at least age 83 but younger than age 86 on the Contract Date,
and death occurs prior to the Owner's 90th birthday, upon Our receipt of all
Required Documentation at Our Annuity Service Center, We will calculate the
death benefit and it will be the greater of:

    (1) The Contract Value as of the later of (a) the date of death of Owner and
        (b) for the NYSE business day during which We receive all Required
        Documentation at Our Annuity Service Center; or

    (2) The lesser of:

        a)  Gross Purchase Payment(s) received prior to the Owner's 86th
            birthday reduced for any Withdrawals in the same proportion that the
            Contract Value was reduced by such Withdrawal; or

        b)  125% of Contract Value as of the later of (a) the date of death of
            the Owner and (b) the NYSE business day during which We receive all
            Required Documentation at Our Annuity Service Center.

        NOTE: In declining market environments, the death benefit payable may be
        less than the Purchase Payments received.

If the Owner was age 86 or older on the Contract Date or age 90 or older at the
time of death, the death benefit will be the Contract Value as of the later of
(a) the date of death of the Owner and (b) the NYSE business day during which We
receive all Required Documentation at Our Annuity Service Center.

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary continues the Contract on the Continuation Date the
death benefit payable upon the death of the Spousal Beneficiary will be as
follows:

    If the Spousal Beneficiary was age 82 or younger on the Continuation Date
    and death occurs prior to the 90th birthday, upon Our receipt of all
    Required Documentation at Our Annuity Service Center, We will calculate the
    death benefit and it will be the greatest of:

        (1) The Contract Value as of the later of (a) the date of death of the
            Spousal Beneficiary and (b) the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

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

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

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

    If the Spousal Beneficiary was age 83 but younger than age 86 on the
    Continuation Date, and death occurs prior to the 90th birthday, upon Our
    receipt of all Required Documentation at Our Annuity Service Center, We will
    calculate the death benefit and it will be the greater of:

        (1) The Contract Value as of the later of (a) the date of death of the
            Spousal Beneficiary and (b) the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

        (2) The lesser of:

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

            b)  125% of Contract Value as of the later of (a) the date of death
                of the Spousal Beneficiary and (b) for the NYSE business day
                during which We receive all Required Documentation at Our
                Annuity Service Center.

    If the Spousal Beneficiary was age 86 or older on the Continuation Date or
    death occurs after the 90th birthday, the death benefit will be the Contract
    Value as of the later of (a) the date of death of the Spousal Beneficiary
    and (b) for the NYSE business day during which We receive all Required
    Documentation at Our Annuity Service Center.

The death benefit payable will accrue interest at Our current rate from the date
of death to the date the death benefit is distributed.

Signed for the Company to be effective on the Contract Date.

FIRST SUNAMERICA LIFE INSURANCE COMPANY

                               /s/ JAY S. WINTROB
                               ------------------
                                 Jay S. Wintrob
                                   President

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                                                                  Exhibit (4)(c)

                     FIRST SUNAMERICA LIFE INSURANCE COMPANY

                                   ENDORSEMENT

Notwithstanding any provision in the Contract to the contrary, this Endorsement
becomes a part of the Owner's Contract to which it is attached. Should any
provision in this Endorsement conflict with the Contract, the provisions of this
Endorsement will prevail.

The following provision under the "CHARGES AND DEDUCTIONS" section is modified
to read as follows:

   SALES CHARGE

   A Sales Charge may be deducted from each Gross Purchase Payment. The Sales
   Charge equals a percentage of each Gross Purchase Payment and varies based
   upon the Owner's investment, as described below, at the time each Gross
   Purchase Payment is made. We reserve the right to assess this charge on a
   class basis that differs from the charge specified on the Contract Data Page.
   The Sales Charge Schedule is shown on the Contract Data Page.

   The Owner's investment for purposes of calculating the Sales Charge at the
   time a Gross Purchase Payment is made to the Contract is the sum of: (a) Your
   investment in the Contract and (b) any additional investment commitments
   secured by a Letter of Intent as defined in the Letter of Intent provision.

The following provision is added under the "PURCHASE PAYMENTS PROVISIONS"
section:

   LETTER OF INTENT

   The Letter of Intent is Your commitment to invest a certain amount over a
   [13-month] period, subject to Company restrictions. Gross Purchase Payments
   made into Your Contract, within [90] days prior to the start of the
   [13-month] period (but not prior to the issue date of this Contract) may
   count towards meeting Your investment goal and qualify for a reduced Sales
   Charge, if applicable. If prior purchase payments are used to satisfy Your
   investment goal, the Letter of Intent start date will be backdated, up to a
   maximum of [90 days], to the receipt of that earliest prior Purchase Payment.
   If You do not satisfy the conditions of Your Letter of Intent by the end of
   the [13-month] period, or if You surrender or annuitize the Contract prior to
   satisfying the investment goal, We will deduct from Your Contract Value the
   difference between (1) and (2) where:

   (1) is the appropriate Sales Charge based on the actual amount of Gross
       Purchase Payments made to this Contract during the [13-month] period; and

   (2) is the Sales Charge that was actually deducted.

   The adjustment will be based entirely on the actual amount of Gross Purchase
   Payments made to the Contract during the [13-month] period, whether or not
   the original Sales Charge was based on the investment amount using the Letter
   of Intent. No adjustment will be made if the contractholder dies prior to
   meeting the investment goal of the Letter of Intent. If You exceed Your
   investment goal, We will not retroactively reduce Sales Charges. We reserve
   the right to modify, suspend, or terminate the Letter of Intent provision at
   any time.

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All other terms and conditions of the Contract remain unchanged. Signed for the
Company at Los Angeles, California, to be effective as of the Contract Date.

                               /s/ JAY S. WINTROB
                               ------------------
                                 Jay S. Wintrob
                                   President

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