Document:

EX-4.3

 Exhibit 4.3 
 EXECUTION COPY 
 SECOND SUPPLEMENTAL
INDENTURE 
 SECOND SUPPLEMENTAL INDENTURE (this “Second Supplemental Indenture”), dated as of
April 15, 2013 among Fidelity National Information Services, Inc., a Georgia corporation (the “Company”), each of the Guarantors party hereto (the “Guarantors”) and The Bank of New York Mellon Trust Company, N.A., a national
banking association (the “Trustee”). 
 WHEREAS, the Company, the Guarantors and the Trustee entered into an Indenture
(the “Original Indenture”), dated as of April 15, 2013, pursuant to which the Company may issue Securities from time to time; 
 WHEREAS, the Company proposes to issue and establish a new series of Securities in accordance with Section 3.1 of the Original Indenture pursuant to this Second Supplemental Indenture (the Original
Indenture, as supplemented and amended by this Second Supplemental Indenture, the “Indenture”); and 
 WHEREAS, all
things necessary to make this Second Supplemental Indenture the legal, valid and binding obligation of the Company have been done. 
 NOW, THEREFORE, for and in consideration of the premises, it is mutually covenanted and agreed as follows: 
 ARTICLE I 
 DEFINITIONS 

Section 1.1 Definitions. Capitalized terms used herein without definition shall have the respective meanings given them in
the Original Indenture, provided that references to “this Indenture”, “herein”, “hereof” and “hereunder” and other words of a similar import in the Original Indenture shall be deemed to be a reference to the
Original Indenture as supplemented and amended by this Second Supplemental Indenture. Any references to “Article” or “Section” herein, shall be a reference to an article or section of this Second Supplemental Indenture unless
expressly specified otherwise. For purposes of the Indenture, the following terms shall have the meanings specified below, notwithstanding any contrary definition in the Original Indenture. 

“Below Investment Grade Rating Event” means the rating on the Notes (as hereinafter defined) is lowered by each of the Rating
Agencies and the Notes are rated below an Investment Grade Rating by each of the Rating Agencies on any date from the date of the public notice of an arrangement that could result in a Change of Control until the end of the 60-day period following
public notice of the occurrence of the Change of Control (which 60-day period shall be extended so long as the rating of the Notes is under publicly announced consideration for possible downgrade by any Rating Agency). 

“Change of Control” means the occurrence of any of the following: (1) the direct or indirect sale, lease, transfer,
conveyance or other disposition (other than by way of merger or consolidation), in one or a series of related transactions, of all or substantially all of the properties and assets of the Company and its Subsidiaries taken as a whole to any
“person” or 

 
“group” (as those terms are used in Section 13(d)(3) of the Exchange Act) other than the Company and its Subsidiaries; (2) the approval by the holders of the Company’s
common stock of any plan or proposal for the liquidation or dissolution of the Company (whether or not otherwise in compliance with the provisions of the Indenture); (3) the consummation of any transaction (including, without limitation, any
merger or consolidation) the result of which is that any “person” or “group” (as those terms are used in Section 13(d)(3) of the Exchange Act) becomes the “beneficial owner” (as defined in Rules 13d-3 and 13d-5
under the Exchange Act), directly or indirectly, of more than 50% of the then outstanding number of shares of the Company’s voting stock; (4) the Company consolidates or merges with or into any entity, pursuant to a transaction in which
any of the outstanding voting stock of the Company or such other entity is converted into or exchanged for cash, securities or other property (except when voting stock of the Company constitutes, or is converted into, or exchanged for, at least a
majority of the voting stock of the surviving person); or (5) the first day on which a majority of the members of the Company’s board of directors are not Continuing Directors. 

“Change of Control Triggering Event” means the occurrence of both a Change of Control and a Below Investment Grade Rating
Event. 
 “Comparable Treasury Issue” means the United States Treasury security selected by an Independent Investment
Banker as having a maturity comparable to the remaining term of the Notes that would be utilized, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of a comparable
maturity to the remaining term of the Notes. 
 “Comparable Treasury Price” of a Comparable Treasury Issue means, with
respect to any Redemption Date: 
  

	 	(i)	the average of the Reference Treasury Dealer Quotations for such Redemption Date, after excluding the highest and lowest of the Reference Treasury Dealer Quotations; or

  

	 	(ii)	if the Company obtains fewer than four Reference Treasury Dealer Quotations, the arithmetic average of such Reference Treasury Dealer Quotations; or

  

	 	(iii)	if the Company obtains only one Reference Treasury Dealer Quotation, such Reference Treasury Dealer Quotation. 

“Continuing Directors” means, as of any date of determination, any member of the Company’s board of directors who
(1) was a member of the Company’s board of directors on the date of the issuance of the Notes; or (2) was nominated for election or elected to the Company’s board of directors with the approval of at least a majority of the
Continuing Directors who were members of the Company’s board of directors at the time of such nomination or election (either by a specific vote or by approval of the Company’s proxy statement in which such member was named as a nominee for
election as a director, without objection to such nomination). 
 “Exchange Act” means the Securities Exchange Act of
1934, as amended. 

  

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 “Fitch” means Fitch Ratings, Inc. and any successor to its rating agency business.

 “Independent Investment Banker” means one of the Reference Treasury Dealers or its successor selected by the
Company or, if it is unwilling or unable to select the applicable Comparable Treasury Issue, an independent investment banking institution of national standing appointed by the Company. 

“Investment Grade Rating” means a rating equal to or higher than BBB- (or the equivalent) by Fitch, Baa3 (or the equivalent) by
Moody’s and BBB- (or the equivalent) by S&P, respectively. 
 “Moody’s” shall have the meaning given
such term in the Original Indenture. 
 “Ratings Agencies” means each of Fitch, Moody’s and S&P, so long as
such entity makes a rating of the Notes publicly available; provided, however, if any of Fitch, Moody’s or S&P ceases to rate the Notes or fails to make a rating of the Notes publicly available for reasons outside of the control of the
Company, the Company shall be allowed to designate a “nationally recognized statistical rating organization” within the meaning of Rule 15c3-l(e)(2)(vi)(F) under the Exchange Act (as certified by a resolution of the Board of Directors
of the Company) as a replacement agency for the agency that ceased to make such a rating publicly available. For the avoidance of doubt, failure by the Company to pay rating agency fees to make a rating of the Notes shall not be a “reason
outside of the control of the Company” for the purposes of the preceding sentence. 
 “Reference Treasury
Dealers” means Barclays Capital Inc., J.P. Morgan Securities LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated (or their respective successors) and one other primary U.S. government securities dealer selected by Barclays
Capital Inc., J.P. Morgan Securities LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated (each, a “Primary Treasury Dealer”). If any of the foregoing ceases to be a Primary Treasury Dealer, the Company will substitute
another Primary Treasury Dealer in its place. 
 “Reference Treasury Dealer Quotations” means, with respect to each
Reference Treasury Dealer and any Redemption Date, the average, as determined by the Company (or the Independent Investment Banker), of the bid and asked prices for the Comparable Treasury Issue, expressed in each case as a percentage of its
principal amount, quoted in writing by such Reference Treasury Dealer at 5:00 p.m., New York City time, on the third Business Day preceding such Redemption Date. 
 “S&P” shall have the meaning given such term in the Original Indenture. 
 “Treasury Rate” means, with respect to any Redemption Date, (1) the yield, under the heading which represents the average for the immediately preceding week, appearing in the most recently
published statistical release designated “H.15(519)” or any successor publication which is published weekly by the Board of Governors of the Federal Reserve System and which establishes yields on actively traded United States Treasury
securities adjusted to constant maturity under the caption “Treasury Constant Maturities,” for the maturity 

  

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corresponding to the Comparable Treasury Issue (if no maturity is within three months before or after April 15, 2018, yields for the two published maturities most closely corresponding to
the Comparable Treasury Issue shall be determined and the Treasury Rate shall be interpolated or extrapolated from such yields on a straight line basis, rounding to the nearest month), (2) if the period from the Redemption Date to
April 15, 2018 is less than one year, the weekly average yield on actually traded United States Treasury securities adjusted to a constant maturity of one year will be used, or (3) if such release (or any successor release) is not
published during the week preceding the calculation date or does not contain such yields, the rate per annum equal to the semi-annual equivalent yield to maturity, computed as of the third Business Day immediately preceding the Redemption Date, of
the Comparable Treasury Issue, assuming a price for the Comparable Treasury Issue, expressed as a percentage of its principal amount, equal to the Comparable Treasury Price for the Redemption Date. 

ARTICLE II 

THE NOTES 

There is hereby established a new series of Securities with the following terms: 

Section 2.1 Title; Nature. Pursuant to the terms hereof and Sections 2.1, 3.1 and 3.3 of the Original Indenture, the Company
hereby creates a series of Securities designated as the “2.000% Senior Notes due 2018” (the “Notes”), which shall be deemed “Securities” for all purposes under the Original Indenture. The CUSIP Number of the Notes shall
be 31620MAJ5. 
 Section 2.2 Principal Amount. The limit upon the aggregate principal amount of the Notes which may
be authenticated and delivered under the Indenture (except for Notes authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of other Notes pursuant to Sections 3.4, 3.5, 3.6, 8.6 or 10.7 of the Original
Indenture or Section 2.7 of this Second Supplemental Indentures and except (i) for any Notes which, pursuant to Section 3.3 of the Original Indenture, are deemed never to have been authenticated and delivered thereunder and
(ii) as provided in the last sentence of Section 3.1(c) of the Original Indenture) is $250,000,000. The aggregate principal amount of the Notes may be increased by the Company without the consent of the holders of any Outstanding Notes;
provided that if any additional Notes are issued at a price that causes them to have “original issue discount” within the meaning of the Internal Revenue Code of 1986, as amended, and the regulations thereunder, they shall not have
the same CUSIP Number as the original Notes. The Notes shall be initially issued on the date hereof and thereafter upon any reopening of the series of which the Notes are a part. 

Section 2.3 Stated Maturity of Principal. The date on which the principal of the Notes is payable, unless the Notes are
theretofore accelerated or redeemed or purchased pursuant to the Indenture, shall be April 15, 2018. The Notes shall bear no premium upon payment at Stated Maturity. 
 Section 2.4 Interest. The rate at which the Notes shall bear interest shall be 2.0% per annum. Interest shall be computed on the basis of a 360-day year of twelve 30-day months and shall
be payable semi-annually in arrears in accordance herewith and with the Indenture. Interest on the Notes shall accrue on the principal amount from, and including, the most recent date to 

  

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which interest has been paid or duly provided for or, if no interest has been paid or duly provided for, from, and including, the date hereof, in each case to, but excluding, the next Interest
Payment Date or the date on which the principal of the Notes has been paid or made available for payment, as the case may be. The Interest Payment Date of the Notes shall be April 15 and October 15 of each year. The initial Interest
Payment Date shall be October 15, 2013. The Regular Record Date corresponding to any Interest Payment Date occurring on April 15 shall be the immediately preceding March 31 (whether or not a Business Day), and the Regular Record Date
corresponding to any Interest Payment Date occurring on October 15 shall be the immediately preceding September 30 (whether or not a Business Day). Interest payable on the Notes on an Interest Payment Date shall be payable to the Persons
in whose name the Notes are registered at the close of business on the Regular Record Date for such Interest Payment Date provided, however, that Defaulted Interest shall be payable as provided in the Original Indenture. 

Section 2.5 Place of Payment. The Place of Payment where the principal of and premium, if any, and interest on the Notes
shall be payable is at the agency of the Company maintained for that purpose at the office of The Bank of New York Mellon Trust Company, N.A., 101 Barclay Street, Attention: Corporate Trust Administration, New York, New York 10286; provided,
however, that payment of interest due on an Interest Payment Date may be made at the option of the Company by check mailed to the address of the Person entitled thereto as such address shall appear in the Register or by transfer to an account
maintained by the Person entitled thereto; provided that the Paying Agent shall have received the relevant wire transfer information by the related Regular Record Date; and provided further that the Depositary, or its nominee, as holder of
Notes in global form, shall be entitled to receive payments of interest, principal and premium, if any, by wire transfer of immediately available funds. 
 Section 2.6 Optional Redemption. 
 (1) The provisions of Article 10 of
the Indenture shall be applicable to the Notes, subject to the provisions of this Section 2.6. 
 (2) The Company may, at
its option, redeem the Notes, in whole or from time to time in part, at any time at a Redemption Price equal to the greater of (i) 100% of the aggregate principal amount of Notes to be redeemed or (ii) the sum of the present values of the
remaining scheduled payments of principal of and interest on the Notes to be redeemed (exclusive of unpaid interest accrued thereon to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year of twelve
30-day months) at the Treasury Rate plus 20 basis points, plus, in each case, accrued and unpaid interest on the Notes being redeemed to, but not including, the Redemption Date (subject to the right of Holders of record at the close of business on
the relevant Regular Record Date to receive interest due on any Interest Payment Date that is on or prior to the Redemption Date). The Company shall give the Trustee written notice of the Redemption Price with respect to any redemption pursuant to
this clause (2) promptly after the calculation thereof and the Trustee shall have no responsibility for such calculation. 

Section 2.7 Right to Require Repurchase Upon a Change of Control Triggering Event. 

  

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 (1) Upon the occurrence of any Change of Control Triggering Event, each Holder of Notes
shall have the right to require the Company to repurchase all or any part of such Holder’s Notes pursuant to the offer described below (the “Change of Control Offer”) on the terms set forth herein (provided that with respect to the
Notes submitted for repurchase in part, the remaining portion of such Notes is in a principal amount of $2,000 or an integral multiple of $1,000 in excess thereof) at a purchase price in cash equal to 101% of the aggregate principal amount of the
Notes repurchased plus accrued and unpaid interest, if any, on the Notes repurchased, to the date of purchase (the “Change of Control Payment”). 
 (2) Within 30 days following any Change of Control Triggering Event, the Company shall mail or deliver in accordance with the applicable procedures of the Depositary a notice to Holders of Notes, with a
written copy to the Trustee, which notice shall govern the terms of the Change of Control Offer. Such notice shall state: 

(i) a description of the transaction or transactions that constitute the Change of Control Triggering Event; 

(ii) that the Change of Control Offer is being made pursuant to this Section 2.7 and that all Notes validly tendered and not
withdrawn will be accepted for payment; 
 (iii) the Change of Control Payment and the “Change of Control Payment
Date,” which date shall be no earlier than 30 days and no later than 60 days from the date such notice is mailed; 
 (iv)
that Holders electing to have any Notes purchased pursuant to a Change of Control Offer will be required to surrender the Notes, with the form entitled “Purchase Notice” attached hereto as Exhibit B completed, or transfer the Notes by
book-entry transfer, to the Paying Agent at the address specified in the notice prior to the close of business on the third Business Day preceding the Change of Control Payment Date; 

(v) that Holders of the Notes will be entitled to withdraw their election if the Paying Agent receives, not later than the close of
business on the second Business Day preceding the Change of Control Payment Date, a telegram, telex, facsimile transmission or letter setting forth the name of such Holder, the principal amount of Notes delivered for purchase, and a statement that
such Holder is withdrawing his election to have the Notes purchased; and 
 (vi) if the notice is mailed prior to the date of
the consummation of the Change of Control, the notice will state that the Change of Control Offer is conditioned on the Change of Control Triggering Event occurring on or prior to the Change of Control Payment Date. 

(3) On the Change of Control Payment Date, the Company shall be required, to the extent lawful, to: 

(i) accept for payment all Notes or portions of Notes properly tendered and not withdrawn pursuant to the Change of Control Offer;

  

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 (ii) deposit with the Paying Agent an amount equal to the Change of Control Payment in
respect of all Notes or portions of Notes properly tendered; and 
 (vii) deliver or cause to be delivered to the Trustee the
Notes properly accepted together with an Officers’ Certificate stating the aggregate principal amount of Notes or portions of Notes being purchased. 
 The Paying Agent will promptly mail to each Holder of Notes properly tendered and not withdrawn the Change of Control Payment for such Notes (or with respect to Global Notes otherwise make such payment in
accordance with the applicable procedures of the Depositary), and the Trustee will promptly authenticate and mail (or cause to be transferred by book-entry) to each Holder of Notes properly tendered and not withdrawn a new Note equal in principal
amount to any unpurchased portion of any Notes surrendered; provided that each new Note will be in a principal amount of $2,000 or an integral multiple of $1,000 in excess thereof. 

(4) The Company shall comply with the requirements of Rule 14e-1 under the Exchange Act and any other securities laws and regulations
thereunder to the extent those laws and regulations are applicable in connection with the repurchase of Notes as a result of a Change of Control Triggering Event. To the extent that the provisions of any securities laws or regulations conflict with
this Section 2.7, the Company will comply with the applicable securities laws and regulations and will not be deemed to have breached its obligations under this Section 2.7 by virtue of such conflicts. 

(5) Notwithstanding the foregoing, the Company will not be required to make an offer to repurchase the Notes upon a Change of Control
Triggering Event if (i) a third party makes such an offer in the manner, at the times and otherwise in compliance with the requirements for an offer made by the Company and such third party purchases all the Notes properly tendered and not
withdrawn under its offer or (ii) prior to the occurrence of the related Change of Control Triggering Event, the Company has given written notice of a redemption to the Holders of the Notes as provided under Section 2.6 unless the Company
has failed to pay the Redemption Price on the Redemption Date. 
 Section 2.8 No Sinking Fund. There shall be no
obligation of the Company to redeem or purchase the Notes pursuant to any sinking fund or analogous provisions, or except as set forth in Section 2.7 hereof, to repay any of the Notes prior to April 15, 2018 at the option of a Holder
thereof. Article 11 of the Original Indenture shall not apply to the Notes. 
 Section 2.9 Guarantees.
Section 9.9 and Article 12 of the Original Indenture shall apply without amendment or variation to the Notes. 

Section 2.10 Denominations. The Notes shall be issued in fully registered form as Registered Securities (and shall in no
event be issuable in the form of Bearer Securities) in denominations of two thousand Dollars ($2,000) or any amount in excess thereof which is an integral multiple of one thousand Dollars ($1,000). The Notes shall be denominated, and all payments
thereon shall be made, in Dollars. 
 Section 2.11 Global Notes. The Notes shall initially be issued in global form.
The 

  

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Depository Trust Company shall be the initial Depositary for the Notes. The Notes shall be transferred only in accordance with the provisions of Section 3.5 of the Original Indenture.
Beneficial interests in Notes issued in global form shall be exchangeable for certificated Securities representing such Notes only the circumstances set forth in the seventh paragraph of Section 3.5 of the Original Indenture. 

Section 2.12 Form of Notes. The form of the global Security representing the Notes is attached hereto as Exhibit A.

 Section 2.13 Defeasance. For purposes of the Notes, Section 2.7 of this Second Supplemental Indenture shall
be considered an additional covenant specified pursuant to Section 3.1 of the Original Indentures for purposes of Section 4.5 of the Original Indenture. 
 Section 2.14 Events of Default. The Events of Default set forth in Sections 5.1 (1), (2), (3), (4), (5), (6) and (7) of the Original Indenture shall apply to the Notes. 

Section 2.15 Other Provisions. The Trustee is appointed as the initial Registrar and Paying Agent for the Notes. 

ARTICLE III 

MISCELLANEOUS 
 Section 3.1 Original Indenture; Effect of the Second Supplemental Indenture. The Original Indenture, as supplemented and amended hereby, is in all respects ratified and confirmed, and the
terms and conditions thereof, as amended hereby, shall be and remain in full force and effect. The Original Indenture and the Second Supplemental Indenture shall be read, taken and construed as one and the same instrument. 

Section 3.2 Conflict with Trust Indenture Act. If any provision hereof limits, qualifies or conflicts with another provision
hereof which is required or deemed to be included in this Second Supplemental Indenture by any of the provisions of the Trust Indenture Act, such required or deemed included provision shall control. 

Section 3.3 Successors and Assigns. All covenants and agreements in this Second Supplemental Indenture by the Company or any
Guarantor shall bind its successors and assigns, whether expressed or not. 
 Section 3.4 Separability Clause. In
case any provision in this Second Supplemental Indenture or in the Notes shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

 Section 3.5 Benefits of Indenture. Nothing in this Second Supplemental Indenture or in the Notes, express or
implied, shall give to any Person, other than the parties hereto and their successors hereunder, the Registrar, any Paying Agent and the Holders, any benefit or any legal or equitable right, remedy or claim under the Indenture. 

Section 3.6 Recitals. The recitals contained in this Second Supplemental Indenture shall be taken as the statements of the
Company and the Guarantors, and the Trustee shall have no liability or responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Second Supplemental Indenture. 

  

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 Section 3.7 Governing Law. THIS SECOND SUPPLEMENTAL INDENTURE AND THE NOTES
SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK. 
 Section 3.8
Counterparts. This Second Supplemental Indenture may be signed in any number of counterparts, each of which shall be an original, with the same effect as if the signatures thereto and hereto were upon the same instrument. 

[The Remainder of This Page Intentionally Left Blank; Signature Pages Follow] 

  

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 IN WITNESS WHEREOF, the parties hereto have caused this Second Supplemental Indenture to be
duly executed as of the date first written above. 
  

			
	FIDELITY NATIONAL INFORMATION SERVICES, INC.
		
	By:	 	/s/ Marc M. Mayo
		 	 Name: Marc M. Mayo
 Title: Senior Vice President, Deputy General Counsel and Assistant Secretary

	
	 THE BANK OF NEW YORK MELLON
TRUST
 COMPANY, N.A., as Trustee

		
	By:	 	/s/ Lawrence Dillard
		 	Title: Vice President

  

									
		 		 	Guarantors:
			
	 ADVANCED FINANCIAL SOLUTIONS, INC.

ANALYTIC RESEARCH TECHNOLOGIES, INC.

ASSET EXCHANGE, INC.

ATM MANAGEMENT SERVICES, INC.

AURUM TECHNOLOGY, LLC

CARD BRAZIL HOLDINGS, INC.

CHEX SYSTEMS, INC.

DELMARVA BANK DATA PROCESSING CENTER, LLC

EFD ASIA, INC.
 EFUNDS CORPORATION
 EFUNDS GLOBAL HOLDINGS
CORPORATION
 EFUNDS IT SOLUTIONS GROUP, INC.

ENDPOINT EXCHANGE LLC

FIDELITY INFORMATION SERVICES INTERNATIONAL HOLDINGS, INC.

FIDELITY INFORMATION SERVICES INTERNATIONAL, LTD.

FIDELITY INFORMATION SERVICES, LLC

FIDELITY INTERNATIONAL RESOURCE MANAGEMENT, INC.
	 		 	 FIDELITY NATIONAL GLOBAL CARD SERVICES, INC.

FIDELITY NATIONAL INFORMATION SERVICES, LLC

FIDELITY OUTSOURCING SERVICES, INC.

FIRM I, LLC
 FIRM II, LLC
 FIS MANAGEMENT SERVICES, LLC

FIS OUTPUT SOLUTIONS, LLC

FIS SOLUTIONS, LLC

GHR SYSTEMS, INC.

KIRCHMAN COMPANY LLC

KIRCHMAN CORPORATION

LINK2GOV CORP.
 METAVANTE ACQUISITION COMPANY II LLC
 METAVANTE
CORPORATION
 METAVANTE OPERATIONS RESOURCES CORPORATION

NYCE PAYMENTS NETWORK, LLC

PAYMENT SOUTH AMERICA HOLDINGS, INC.

PENLEY, INC.
 PRIME ASSOCIATES, INC.

  

- 10 - 

									
	 FIDELITY NATIONAL ASIA PACIFIC HOLDINGS, LLC

FIDELITY NATIONAL CARD SERVICES, INC.

FIDELITY NATIONAL E-BANKING SERVICES, INC.

FIDELITY NATIONAL FIRST BANKCARD SYSTEMS, INC.,

    as Guarantors
	 		 	 SANCHEZ COMPUTER ASSOCIATES, LLC

SANCHEZ SOFTWARE, LTD.

SECOND FOUNDATION, INC.

THE CAPITAL MARKETS COMPANY

TREEV LLC
 VALUTEC CARD SOLUTIONS, LLC
 VECTORSGI, INC.

VICOR, INC.
 WCS ADMINISTRATIVE SERVICES, INC.
 WILDCARD SYSTEMS,
INC.,
     as Guarantors

					
	By:	 	/s/ Marc M. Mayo	 		 	By:	 	/s/ Marc M. Mayo
		 	Name: Marc M. Mayo	 		 		 	Name: Marc M. Mayo
		 	 Title: Senior Vice President, Deputy General Counsel and Assistant Corporate Secretary
	 		 		 	 Title: Senior Vice President, Deputy General Counsel and Assistant Corporate Secretary

  

									
	 CERTEGY CHECK SERVICES, INC.

CERTEGY TRANSACTION SERVICES, INC.

CLEARCOMMERCE CORPORATION

COMPLETE PAYMENT RECOVERY SERVICES, INC.

DEPOSIT PAYMENT PROTECTION SERVICES, INC.

FIDELITY NATIONAL PAYMENT SERVICES, INC.

FIS CAPITAL LEASING, INC.

METAVANTE HOLDINGS, LLC

METAVANTE PAYMENT SERVICES, LLC,
as Guarantors
	 		 		 	
					
	By:	 	/s/ Marc M. Mayo	 		 		 	
		 	Name: Marc M. Mayo	 		 		 	
		 	Title: Authorized Signatory	 		 		 	

  
 [Signature
Page to the Second Supplemental Indenture] 

 EXHIBIT A 

FORM OF NOTE CERTIFICATE 
 THIS
SECURITY IS IN GLOBAL FORM WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE OF A DEPOSITARY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SECURITIES IN CERTIFICATED
FORM, THIS SECURITY MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A
SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY. 
 UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 No. A- 

CUSIP No. 31620MAK2 
 3.500% SENIOR NOTE DUE 2023 
 FIDELITY
NATIONAL INFORMATION SERVICES, INC., a Georgia corporation, promises to pay to Cede & Co., or its registered assigns, the principal sum of
[            ] Dollars ([            ]) on April 15, 2023. 
 Interest Payment Dates: April 15 and October 15, with the first Interest Payment Date to be October 15, 2013 
 Regular Record Dates: March 31 and September 30 (whether or not a Business Day) 
 Dated:
April 15, 2013 
  

					
	FIDELITY NATIONAL INFORMATION SERVICES, INC.
		
	By:	 	 
		 	Name:
		 	Title:

  
 A-1

 Certificate of Authentication 

THE BANK OF NEW YORK MELLON
TRUST COMPANY, N.A., as Trustee, certifies that this is one of the Securities of the series described in the within-mentioned Indenture. 

 

			
	
THE BANK OF NEW YORK MELLON 
TRUST COMPANY, N.A.

         as Trustee

		
	By:	 	 
		 	 Authorized Signatory

 Dated: 

  
 A-2

 FIDELITY NATIONAL INFORMATION
SERVICES, INC. 
 3.500% SENIOR NOTE DUE 2023 

1. INTEREST. Fidelity National Information Services, Inc., a Georgia corporation (the “Company”), promises to pay
interest on the principal amount of this Security at the rate of 3.5% per annum, payable semiannually in arrears on April 15 and October 15 of each year (each, an “Interest Payment Date”), commencing on
October 15, 2013 until the principal is paid or made available for payment. Interest on this Security will accrue from, and including, the most recent date to which interest has been paid or duly provided for or, if no interest has been paid or
duly provided for, from, and including, April 15, 2013, in each case to, but excluding, the next Interest Payment Date or the date on which the principal hereof has been paid or made available for payment, as the case may be. Interest
shall be computed on the basis of a 360-day year of twelve 30-day months. 
 2. METHOD OF PAYMENT. The Company shall pay
interest on this Security (except defaulted interest, if any, which shall be paid on such special payment date as may be fixed in accordance with the Indenture referred to below) to the Persons who are registered Holders at the close of business on
the March 31 or September 30 (whether or not a Business Day) immediately preceding the applicable Interest Payment Date. A holder must surrender this Security to a Paying Agent to collect principal and premium payments. The Company shall
pay principal, premium, if any, and interest in money of the United States that at the time of payment is legal tender for payment of public and private debts. 
 3. PAYING AGENT AND REGISTRAR. Initially, The Bank of New York Mellon Trust Company, N.A., shall act as Paying Agent and Registrar. The Company may change or appoint any Paying Agent, Registrar or
co-Registrar without notice. The Company or any of its Subsidiaries may act as Paying Agent, Registrar or co-Registrar. 
 4.
INDENTURE. The Company issued this Security under the Indenture (the “Base Indenture”), dated as of April 15, 2013, among Fidelity National Information Services, Inc., the Guarantors parties thereto and The Bank of New York
Mellon Trust Company, N.A., as Trustee, as amended by the First Supplemental Indenture (the “First Supplemental Indenture”), dated as of April 15, 2013, between such parties (the Base Indenture, as amended by the First
Supplemental Indenture, the “Indenture”). The terms of this Security were established pursuant to the First Supplemental Indenture. The terms of this Security include those stated in the Indenture and those made part of the
Indenture by reference to the Trust Indenture Act of 1939 (“TIA”). This Security is subject to all such terms, and Holders are referred to the Indenture and the TIA. The Company will provide a copy of the Indenture, without charge,
upon written request to the Company sent to 601 Riverside Avenue, Jacksonville, Florida 32204, Attention: Corporate Secretary. Capitalized terms used herein without definition shall have the respective meanings ascribed to them in the Indenture.
This Security is one of the series of Securities designated on the face hereof issued under the Indenture, unlimited in aggregate principal amount (the “Notes”). 
 5. PERSONS DEEMED OWNERS. Subject to Section 3.8 of the Base Indenture, the registered Holder or Holders of this Security shall be treated as owners of it for all purposes. 

  
 A-3

 6. OPTIONAL REDEMPTION. At any time prior to January 15, 2023, the Company may at its
option redeem all or a part of the Notes upon not more than 60 nor less than 30 days prior notice, at a Redemption Price equal to the greater of: (i) 100% of the aggregate principal amount of any Notes being redeemed; or (ii) the sum of
the present values of the remaining scheduled payments of principal of and interest on the Notes to be redeemed (exclusive of unpaid interest accrued thereon to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming
a 360-day year of twelve 30 day months) at the Treasury Rate plus 30 basis points, plus, in each case, accrued and unpaid interest on the Notes being redeemed to, but not including, the Redemption Date. At any time on or after January 15, 2023,
the Company may at its option redeem all or a part of the Notes upon not more than 60 nor less than 30 days prior notice, at a Redemption Price equal to 100% of the aggregate principal amount of the Notes being redeemed, plus accrued and unpaid
interest on the Notes being redeemed to, but not including, the Redemption Date. 
 7. CHANGE OF CONTROL TRIGGERING EVENT. In
the event of a Change of Control Triggering Event, the Holders may require the Company to purchase for cash all or a portion of their Notes at a purchase price equal to 101% of the principal amount of the Notes, plus accrued and unpaid interest, if
any, pursuant to the provisions of Section 2.7 of the First Supplemental Indenture, subject to compliance with the procedures specified pursuant to the First Supplemental Indenture. 

8. LEGAL HOLIDAYS. In any case where any Interest Payment Date, Redemption Date, Stated Maturity or Maturity of this Security shall not
be a Business Day at any Place of Payment, then (notwithstanding any other provision of the Indenture or of this Security), payment of principal, premium, if any, or interest need not be made at such Place of Payment on such date, but may be made on
the next succeeding Business Day at such Place of Payment with the same force and effect as if made on such date; provided that no interest shall accrue on the amount so payable for the period from and after such Interest Payment Date,
Redemption Date, Stated Maturity or Maturity, as the case may be. 
 9. UNCLAIMED MONEY. Subject to the terms of the Indenture,
if money for the payment of principal, premium, if any, or interest remains unclaimed for two years, the Trustee or Paying Agent shall pay the money back to the Company at its request, and thereafter Holders entitled to the money shall, as an
unsecured general creditor, look only to the Company for payment thereof, and all liability of the Trustee or such Paying Agent with respect to such trust money, and all liability of the Company as trustee thereof, shall thereupon cease. 

10. AMENDMENT, SUPPLEMENT. Subject to certain exceptions, the Indenture or this Security may be amended or supplemented with the consent
of the Holders of at least a majority in aggregate principal amount of the Securities of each series affected by the amendment. Without the consent of any Holder, the Company, the Guarantors and the Trustee may amend or supplement the Indenture or
this Security to, among other things, cure certain ambiguities or correct certain mistakes or to create another series of Securities and establish its terms. 
 11. DEFAULTS AND REMEDIES. The Events of Default set forth in Sections 5.1(1), (2), (3), (4), (5), (6) and (7) of the Indenture apply to this Security. 

  
 A-4

 If an Event of Default, other than an Event of Default described in Section 5.1(5) or
(6) of the Base Indenture, with respect to the Outstanding Securities of the same series as this Security occurs and is continuing, the Trustee or the Holders of at least 25% in aggregate principal amount of all Outstanding Securities of the
same series as this Security, by written notice to the Company (and, if given by the Holders, to the Trustee), may declare the principal of and accrued and unpaid interest, if any, on the aggregate principal amount of all Outstanding Securities of
the same series as this Security to be due and payable, and upon any such declaration, such principal and interest, if any, shall be immediately due and payable. If an Event of Default specified in Section 5.1(5) or Section 5.1(6) of the
Base Indenture occurs with respect to the Securities of the same series as this Security, the principal of and accrued and unpaid interest, if any, on all the Outstanding Securities of that series shall automatically become immediately due and
payable without any declaration or act by the Trustee, the Holders of the Securities or any other party. 
 At any time after
such a declaration of acceleration with respect to this Security has been made, the Holders of a majority in aggregate principal amount of all Outstanding Securities of the same series as this Security, by written notice to the Trustee, may rescind
and annul such declaration and its consequences as provided, and subject to satisfaction of the conditions set forth, in the Indenture. 
 The Holders of a majority in aggregate principal amount of all Outstanding Securities of the same series as this Security, by written notice to the Trustee, may waive, on behalf of all Holders of such
Securities, any past Default or Event of Default with respect to such securities and its consequences except (a) a Default or Event of Default in the payment of the principal of, or interest on, any such Security or (b) in respect of a
covenant or provision of the Indenture which, pursuant to the Indenture, cannot be amended or modified without the consent of each Holder of each affected Outstanding Security of the same series as this Security. Upon any such waiver, such Default
shall cease to exist, and any Event of Default arising therefrom shall be deemed to have been cured. 
 12. AMOUNT UNLIMITED.
The aggregate principal amount of Securities which may be authenticated and delivered under the Indenture is unlimited. The Securities may be issued from time to time in one or more series. The Company may from time to time, without the consent of
the Holders of this Security, issue additional Securities of the series of which this Security is a part on substantially the same terms and conditions as those of this Security. 

13. TRUSTEE DEALINGS WITH COMPANY. Subject to the TIA, The Bank of New York Mellon Trust Company, N.A., as Trustee under the Indenture,
in its individual or any other capacity, may make loans to, accept deposits from, and perform services for the Company or its affiliates, and may otherwise deal with the Company or its affiliates, as if it were not Trustee. 

14. NO RECOURSE AGAINST OTHERS. No director, officer, employee or stockholder, as such, of the Company or any Guarantor shall have any
liability for any obligations of the Company or any Guarantor under this Security or the Indenture or for any claim based on, in respect of or by reason of such obligations or their creation. Each Holder, by accepting this Security, waives and
releases all such liability. Such waiver and release are part of the consideration for the issue of this Security. 

  
 A-5

 15. DISCHARGE OF INDENTURE. The Indenture contains certain provisions pertaining to
discharge and defeasance. 
 16. GUARANTEES. The Company’s obligations under this Security are jointly and severally, fully
and unconditionally guaranteed, to the extent set forth in the Indenture, by the Guarantors, which may nevertheless be released from their obligations under the circumstances specified in the Indenture. 

17. AUTHENTICATION. This Security shall not be valid until the Trustee signs the certificate of authentication on the other side of this
Security. 
 18. GOVERNING LAW. This Security shall be governed by and construed in accordance with the internal laws of the
State of New York. 
 19. ABBREVIATIONS. Customary abbreviations may be used in the name of a Holder or an assignee, such as:
TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= custodian), and U/G/M/A (= Uniform Gifts to Minors Act). 

[Remainder of Page Intentionally Left Blank] 

  
 A-6

 ASSIGNMENT FORM 

If you, as Holder of this Security, want to assign this Security, fill in the form below: I or we assign and transfer this Security to:

  

			
	  

 

			
	(Insert assignee’s social security or tax ID number)

 

			
	  

	
	  

	
	
 

 

			
	(Print or type assignee’s name, address, and zip code)

 

			
	and irrevocably appoint:

			
	
 

			
	

  

			
	as agent to transfer this Security on the books of the Company. The agent may substitute another to act for
him/her.

  

					
		
	Date:	 	  

 

					
	Your signature:	 	
	  

  

					
	(Your signature must correspond with the name as it appears upon the face of this Security in every particular without alteration or enlargement or any change whatsoever and be
guaranteed by a guarantor institution participating in the Securities Transfer Agents Medallion Program or in such other guarantee program acceptable to the Trustee)	 		 	

  

					
	Signature	 	
	Guarantee:	 	  

  
 A-7

 [FORM OF NOTATION OF GUARANTEE] 

Each of the undersigned (collectively, the “Guarantors”) have guaranteed, jointly and severally, fully and
unconditionally (such guarantee by each Guarantor being referred to herein as the “Guarantee”) (i) the due and punctual payment of the principal of (and premium, if any) and interest on the 3.500% Senior Notes due 2023 (the
“Notes”) issued by Fidelity National Information Services, Inc., a Georgia corporation (the “Company”), whether at maturity, by acceleration or otherwise, the due and punctual payment of interest on the overdue
principal and interest, if any, on the Notes, to the extent lawful, and the due and punctual performance of all other obligations of the Company to the Holders or the Trustee all in accordance with the terms set forth in Article 12 of the Indenture
and (ii) in case of any extension of time of payment or renewal of any Notes or any of such other obligations, that the same will be promptly paid in full when due or performed in accordance with the terms of the extension or renewal, whether
at stated maturity, by acceleration or otherwise. 
 No director, officer, employee, stockholder, general or limited partner or
incorporator, past, present or future, of the Guarantors, as such or in such capacity, shall have any personal liability for any obligations of the Guarantors under the Guarantees by reason of his, her or its status as such director, officer,
employee, stockholder, general or limited partner or incorporator. Each Holder of Notes by accepting a Note waives and releases all such liability. The waiver and release are part of the consideration for the issuance of the Guarantees. 

Each holder of a Note by accepting a Note agrees that any Guarantor named below shall have no further liability with respect to its
Guarantee if such Guarantor otherwise ceases to be liable in respect of its Guarantee in accordance with the terms of the Indenture. 
 Capitalized terms used herein without definition shall have the meanings assigned to them in the Notes. 
 The Guarantee shall not be valid or obligatory for any purpose until the certificate of authentication on the Notes upon which the Guarantee is noted shall have been executed by the Trustee under the
Indenture by the manual signature of one of its authorized signatories. 
 Guarantors: 

 

									
	 ADVANCED FINANCIAL SOLUTIONS, INC.

ANALYTIC RESEARCH TECHNOLOGIES, INC.

ASSET EXCHANGE, INC.

ATM MANAGEMENT SERVICES, INC.

AURUM TECHNOLOGY, LLC

CARD BRAZIL HOLDINGS, INC.

CHEX SYSTEMS, INC.

DELMARVA BANK DATA PROCESSING CENTER, LLC

EFD ASIA, INC.
 EFUNDS CORPORATION
 EFUNDS GLOBAL HOLDINGS
CORPORATION
	 		 	 FIDELITY NATIONAL GLOBAL CARD SERVICES, INC.

FIDELITY NATIONAL INFORMATION SERVICES, LLC

FIDELITY OUTSOURCING SERVICES, INC.

FIRM I, LLC
 FIRM II, LLC
 FIS MANAGEMENT SERVICES, LLC

FIS OUTPUT SOLUTIONS, LLC

FIS SOLUTIONS, LLC

GHR SYSTEMS, INC.

KIRCHMAN COMPANY LLC

KIRCHMAN CORPORATION

  
 A-8

									
	 EFUNDS IT SOLUTIONS GROUP, INC.

ENDPOINT EXCHANGE LLC

FIDELITY INFORMATION SERVICES INTERNATIONAL HOLDINGS, INC.

FIDELITY INFORMATION SERVICES INTERNATIONAL, LTD.

FIDELITY INFORMATION SERVICES, LLC

FIDELITY INTERNATIONAL RESOURCE MANAGEMENT, INC.

FIDELITY NATIONAL ASIA PACIFIC HOLDINGS, LLC

FIDELITY NATIONAL CARD SERVICES, INC.

FIDELITY NATIONAL E-BANKING SERVICES, INC.

FIDELITY NATIONAL FIRST BANKCARD SYSTEMS, INC.,
as Guarantors
	 		 	 LINK2GOV CORP.

METAVANTE ACQUISITION COMPANY II LLC

METAVANTE CORPORATION

METAVANTE OPERATIONS RESOURCES CORPORATION

NYCE PAYMENTS NETWORK, LLC

PAYMENT SOUTH AMERICA HOLDINGS, INC.

PENLEY, INC.
 PRIME ASSOCIATES, INC.
 SANCHEZ COMPUTER ASSOCIATES,
LLC
 SANCHEZ SOFTWARE, LTD.

SECOND FOUNDATION, INC.

THE CAPITAL MARKETS COMPANY

TREEV LLC
 VALUTEC CARD SOLUTIONS, LLC
 VECTORSGI, INC.

VICOR, INC.
 WCS ADMINISTRATIVE SERVICES, INC.
 WILDCARD SYSTEMS,
INC.,
as Guarantors

					
	By:	 	 	 		 	By:	 	 
		 	Name:	 		 		 	Name:
		 	Title:	 		 		 	Title:

  
  

									
	 CERTEGY CHECK SERVICES, INC.

CERTEGY TRANSACTION SERVICES, INC.

CLEARCOMMERCE CORPORATION

COMPLETE PAYMENT RECOVERY SERVICES, INC.

DEPOSIT PAYMENT PROTECTION SERVICES, INC.

FIDELITY NATIONAL PAYMENT SERVICES, INC.

FIS CAPITAL LEASING, INC.

METAVANTE HOLDINGS, LLC

METAVANTE PAYMENT SERVICES, LLC,
as Guarantors
	 		 		 	
					
	By:	 	 	 		 		 	
		 	Name:	 		 		 	
		 	Title:	 		 		 	

  
 A-9

 EXHIBIT B 

PURCHASE NOTICE 
 (1) Pursuant to
Section 2.7 of the Second Supplemental Indenture, the undersigned hereby elects to have its Note repurchased by the Company. 
 (2) The
undersigned hereby directs the Trustee or the Company to pay it or                          an amount in cash equal to
101% of the aggregate principal amount to be repurchased (as set forth below), plus interest accrued to, but excluding, the Change of Control Payment Date, as applicable, as provided in the Second Supplemental Indenture. 

Dated: 
  

	
	
	 
	
	  
	Signature(s)
	
	Signature(s) must be guaranteed by an Eligible Guarantor Institution with membership in an
approved signature guarantee program pursuant to
Rule 17Ad-15 under the
Securities Exchange Act
of 1934.
	
	  
	Signature Guaranteed

 Social Security or other Taxpayer Identification Number of recipient of Change of Control
 Payment 

 

	
	
	 
	
	Principal amount to be repurchased:
	
	  

 Remaining aggregate principal amount following such repurchase (at least U.S.$2,000 or an integral multiple of $1,000 in
excess thereof): 
  
  
 NOTICE: The signature to the foregoing election must correspond to the name as written upon the face of the related Note in every particular, without alteration or any change whatsoever. 

  
 B-1Exhibit 4(g)

 EXHIBIT 4(g) 
 FORM OF POLICY RIDER 
 RETIREMENT INCOME CHOICESM 1.6 

 XXXXXXXXXXXX 
  

			
	

	    	Home Office located at:
	    	440 Mamaroneck Avenue, Harrison, New York 10528
	    	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) 355-8511

 RETIREMENT INCOME CHOICE RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 All provisions
of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the provisions of this rider and the provisions of the policy, the provisions of this rider shall prevail over the provisions of the policy.

 Rider Data Specification 
  

			
	 Policy Number:
	  	XXXXXXXXXXX
	 Rider Date:
	  	XXXXXXXXXX
	 Growth Rate Percentage:
	  	5.00%
		
	 Rider Fee Percentages:
	  	
	 Designated Allocation Group A:
	  	XXXXX
	 Designated Allocation Group B:
	  	XXXXX
	 Designated Allocation Group C:
	  	XXXXX
		
	 Annuitant:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
		  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Issue Age/Sex:
	  	XX / XXXXXXXXXX

  
  

ARTICLE I 
 You may cancel
this rider on or before midnight of the thirtieth calendar day after you received it and no rider fees will be assessed. 
 This rider
provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the policy equal to the Withdrawal Percentage shown in Article III applied to the withdrawal base. The withdrawal base is established for the sole
purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender value or other guaranteed benefits. 

If you elect this rider, 100% of your policy value must be in one or more of the designated investment options. 

You can generally transfer between the designated investment options as permitted under your policy; however, you cannot make transfers as provided for
in the policy to a non-designated investment option while this rider is in force. If you wish to make a transfer to a non-designated investment option, this rider must be terminated, as described in Article IV, prior to making the transfer.

 DEFINITIONS: 
 Terms used
that are not defined in this rider shall have the same meaning as those in your policy. 
 Designated Investment Options 

Investment options authorized for use with this rider and identified by us as designated investment options. 

Excess Withdrawal 
 The excess of a gross
partial withdrawal over the rider withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 

The amount that will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 

Rider Fee 
 The fee charged for the
benefits under this rider. The fee will be charged on each rider quarterversary by the Company. 

  

					
	RGMB 37 0809 (IS) (NY)	  	(1	  	(Income-Single) (09/2012)

 ARTICLE I CONTINUED 
 Rider Monthiversary 
 The same day of the month as the rider date, or the next business day
if our Administrative Office or the New York Stock Exchange is closed. 
 Rider Quarter 

Each three-month period following the rider date. 
 Rider Quarterversary 
 For each rider quarter, the same day of the month as the rider date,
or the next business day if our Administrative Office or the New York Stock Exchange is closed. 
 Rider Withdrawal Amount 

The maximum amount that can be withdrawn from the policy each rider year without causing an excess withdrawal under the terms of this rider and thus
reducing the withdrawal base. This amount will change if the withdrawal base changes. 
 Rider Year 

Each twelve-month period following the rider date. 
 Valuation Period 
 The period of time from one determination of the value of a subaccount to
the next. Such determinations are made when the value of the assets and liabilities of each subaccount is calculated. This is generally the close of business on each day on which the New York Stock Exchange is open. 

Withdrawal Base 
 The amount used to
calculate the rider withdrawal amount and the rider fee. This amount cannot be taken as a lump sum. 
 ARTICLE II 

RIDER FEES 
 The rider fee is deducted on
each rider quarterversary in arrears. The fee is calculated at issue and at the beginning of each rider quarter for the upcoming quarter. The rider fee percentage will not change during the first five rider years, and will only change thereafter due
to an automatic step-up. You will be notified of any increase in the rider fee percentage. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider
quarterversary. 
 The stored fee will be adjusted for new deposits, transfers among designated investment options and excess withdrawals made
during the rider quarter. 
 Fees will be calculated and stored on the day the rider is issued and at the beginning of each rider quarter. They
will be deducted automatically from each subaccount on a pro rata basis on each rider quarterversary. The annual fee percentages for each designated allocation group are shown on page 1, in the Rider Data Specification section. 

The quarterly fee is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4). 
  

	1)	Withdrawal Base; 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value; 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year. 

 

	Please	see the Appendix attached to this rider which illustrates how the rider fee is calculated. 

 ARTICLE III 
 GUARANTEED LIFETIME WITHDRAWAL BENEFIT 

Under this rider, we guarantee that you can receive up to the rider withdrawal amount each rider year, regardless of the policy value, (either through
withdrawals or payments, where payments are equal to the rider withdrawal amount if your policy value equals zero) until the annuitant’s death. 

  

					
	RGMB 37 0809 (IS) (NY)	  	(2	  	(Income-Single) (09/2012)

 ARTICLE III CONTINUED 
 The withdrawal percentage is determined by the attained age (age at last birthday) of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after the rider
anniversary following the annuitant’s 59th birthday. Once the withdrawal percentage is established, it may only be changed by an upgrade or automatic step-up and redetermined at that time. Upon automatic step-up, the withdrawal percentage will
be reset based on the attained age at the time of the automatic step-up. The withdrawal percentages are shown in the table below. 
  

							
	 	 	 Attained Age
	 	Withdrawal
Percentage	 	 
		 	59 - 64	 	4.0%	 	
		 	65 - 79	 	5.0%	 	
		 	80 +	 	6.0%	 	

 If the annuitant is not yet 59 on the rider date, the withdrawal percentage will be zero until the rider anniversary
following the annuitant’s 59th birthday. Withdrawals prior to age 59 1/2 will be subject to the 10% penalty tax. 
 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. Also, if the policy value
equals zero, you will need to request payments by selecting the amount and frequency in accordance with the policy provisions to which this rider attaches, equal to the rider withdrawal amount. Once the payment amount and frequency are established,
they cannot be changed and no additional withdrawals will be allowed. 
 We guarantee that you may withdraw up to the rider withdrawal amount
each year regardless of the policy value until the annuitant’s death. 
 Example 

Assume you are the owner and annuitant and begin taking withdrawals at age 80 and your Withdrawal Base is $100,000. Assuming a withdrawal
percentage of 6%, you could withdraw up to $6,000 each rider year for the rest of your life (assuming that you do not withdraw more than $6,000 in any one rider year). 
 Any amount you withdraw in excess of the rider withdrawal amount may impact the withdrawal base on a greater than dollar-for-dollar basis. 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The
Guaranteed Lifetime Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 ISSUE AGE AND
SURVIVAL 
 The benefits under this rider depend on the annuitant being alive at the time of withdrawal and the amount of the benefit depends
on the attained age of the annuitant. Proof of survival and the date of birth may be required by the Company. 
 If the annuitant’s age has
been misstated, this rider’s fees and benefits will be adjusted to the amounts which would have been calculated for the correct age. However, if this rider would not have been issued had the age not been misstated, the rider is treated as if it
never existed, and any fees charged for this rider would be returned. If withdrawals under the provisions of the rider have already commenced and the misstatement caused the rider withdrawal amount to be overstated, any withdrawal in excess of the
correct rider withdrawal amount will be considered an excess withdrawal and will impact the withdrawal base and rider withdrawal amount. If overpayments occurred when the sum of the accumulated values in all the investment options was zero, the
amount of that overpayment will be deducted from one or more future payments until this amount is paid in full. 
 RIDER WITHDRAWAL AMOUNT

 The rider withdrawal amount will be equal to the greater of 1) and 2), where: 

 

	1)	is the withdrawal percentage multiplied by the withdrawal base; 

  

					
	RGMB 37 0809 (IS) (NY) (R0912)	  	(3)	  	(Income-Single) (09/2012)

	2)	is an amount equal to the minimum required distribution amount, if any. Prior to the 1st rider anniversary, this amount is based on the initial policy value on the
rider date. After this time, the minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used if all of the following are true: 

ARTICLE III 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. 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 rider year. Amounts carried over from past rider 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 rider withdrawal amount. 

If you withdraw less than the rider withdrawal amount in a rider year, the unused portion cannot be carried over to the next rider year. 

WITHDRAWAL BASE 
 The withdrawal base is
used to calculate the rider withdrawal amount. On the rider date, the initial withdrawal base is equal to the policy value (less any premium enhancements if the rider is added in the first policy year). During any rider year, the withdrawal base is
increased by subsequent premium payments (not including premium enhancements, if any), and is reduced for excess withdrawals. 
 On each rider
anniversary, the withdrawal base will be set to the greatest of: 
  

	 	1)	The current withdrawal base; 

  

	 	2)	The policy value on the rider anniversary; 

  

	 	3)	The highest policy value on a rider monthiversary for the current rider year; or 

 

	 	4)	The current withdrawal base immediately prior to rider anniversary processing increased by the growth rate percentage. 

Item 3) above will be zero if there have been any excess withdrawals in the current rider year. Item 4) above will be zero after the 10th rider
anniversary or if there have been any withdrawals in the current rider year. 
 AUTOMATIC STEP-UP FEATURE 

The rider receives an automatic step-up on the rider anniversary if the withdrawal base is set equal to the policy value or the highest policy value on a
rider monthiversary. This feature does not require the termination of the existing rider. This rider will continue with the same rider date and features. The rider fee and withdrawal percentages may be changed due to an automatic step-up, but there
will be no increase in the rider fee percentage during the first five rider years. Following the fifth rider anniversary, the rider fee percentage may be increased due to an automatic step-up, but will not increase more than 0.75% from the initial
rider fee percentages shown on page 1. 
 You have the right to reject an automatic step-up within 30 days following a rider anniversary, if the
rider fee percentage increases. If you reject an automatic step-up, you must notify us in a manner which is acceptable to us, however you are eligible for future automatic step-ups. Changes as a result of the automatic step-up feature will be
reversed. Any increase in the rider fee or withdrawal percentages will also be reversed. 
 WITHDRAWAL BASE ADJUSTMENTS 

Gross partial withdrawals, taken in a rider year, less than or equal to the rider withdrawal amount will not reduce the withdrawal base. Excess
withdrawals will reduce the withdrawal base by the withdrawal base adjustment. The withdrawal base adjustment is the greater of 1) and 2), where: 
  

	1)	is the excess withdrawal amount; and 

  

					
	RGMB 37 0809 (IS) (NY)	  	(4	  	(Income-Single) (09/2012)

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

 ARTICLE III CONTINUED 
  

	 	A)	is the excess withdrawal; 

  

	 	B)	is the withdrawal base prior to the excess withdrawal amount; and 

  

	 	C)	is the policy value after the rider withdrawal amount has been withdrawn, but prior to the withdrawal of the excess withdrawal amount. 

ARTICLE IV 
 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 spousal joint owners where one spouse is the annuitant, if the spouse who is the annuitant dies, this rider will terminate. 

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 rider
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. 
 ANNUITIZATION 
 On the maximum annuity commencement date, as described in your policy, you
will have the option to receive lifetime income payments that are no less than your rider withdrawal amount each year. This option will also guarantee that the sum of all income payments received over time will equal or exceed the policy value on
the maximum annuity commencement date. If the annuitant should die before the sum of all income payments received equals or exceeds the policy value on the maximum annuity commencement date, the annuitant’s beneficiary will receive a final
payment equal to the difference. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the withdrawal base to the policy value within 30 days after the fifth rider anniversary and every fifth rider anniversary thereafter, subject to the issue age
restrictions on the new rider. If an upgrade is selected, 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 and rider fee percentages which
may not be the same as this rider’s percentages. Other riders with different features may be chosen, if available by the Company. 
 At the
time upgrade, the rider withdrawal amount will be recalculated based on the new withdrawal base. 
 The new rider date will be the date the
Company receives all information necessary, at our Home Office, in a written form acceptable to the Company, to process the upgrade. 

TERMINATION 
 This rider will terminate
upon the earliest of: 
  

	1)	the date the policy to which this rider is attached terminates; 

  

	2)	the date the policy to which this rider is attached is assigned or if the owner is changed without our approval; 

 

	3)	the date of the annuitant’s death; 

  

	4)	the date you elect to upgrade (as described in Article IV of this rider); 

  

	5)	the date you elect to receive annuity payments under your policy; and 

  

	6)	the date you notify us in writing of your intention to terminate this rider (this date must be within 30 days after the fifth rider anniversary and every fifth rider
anniversary thereafter). 

 Termination of the rider will result in the loss of all benefits provided by the rider. 

Signed for us at our home office. 
  

			
	

	  	

	SECRETARY	  	PRESIDENT

  

					
	RGMB 37 0809 (IS) (NY)	  	(5	  	(Income-Single) (09/2012)

 APPENDIX 
 The quarterly fee is calculated as follows: 
 Multiply (1) by (2) divided
by (3) multiplied by (4) where: 
  

	1)	Withdrawal Base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for additional premium payments and excess withdrawals is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4) where: 

 

	1)	Withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction) 

 

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total transaction amount 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for fund transfers is calculated as follows: 
 Multiply (1) by (2) divided by (3) multiplied by (4) where: 
  

	1)	Withdrawal base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The following two examples use assumed fees and values listed in the table below. The assumed rider year is not a leap year. 

 

													
	 Designated Allocation Group
	  	Fee	 	 	Initial
Policy Value	 	  	Additional Premium
Used in Example 2	 
	 Group A
	  	 	2.50	% 	 	$	50,000	  	  	$	5,000	  
	 Group B
	  	 	2.40	% 	 	$	30,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	20,000	  	  	$	2,000	  

 Example 1: Calculation at rider issue for first quarter fee assuming an initial withdrawal base of $100,000.

 = 100,000 * [(50,000*0.0250) + (30,000*0.0240) + (20,000*0.0230)] / 100,000 * (91/365) 

= 100,000 * (1,250 + 720 + 460) / 100,000 * (91/365) 
 = 100,000 * 2,430/100,000 * (91/365) 
 = 2,430 * (91/365) 

= $605.84 
 Example 2:
Calculation for first quarter fee assuming initial withdrawal base from Example 1 above, plus adjustment for additional premium payment of $10,000 made with 20 days remaining in the first rider quarter (invested as shown above). The withdrawal
base change and total transaction amount equal $10,000. 
 Fee adjustment as follows: 

= 10,000 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (20/365) 

= 10,000 * (125 + 72 + 46) / 10,000 * (20/365) 
 = 10,000 * 243/10,000 * (20/365) 
 = 243 * (20/365) 

= $13.32 
 Total fee assessed on
first rider quarterversary (assuming no further rider fee adjustments): 
 = 13.32 + 605.84 

= $619.16 

  

					
	RGMB 37 0809 (IS) (NY)	  	(A-1	  	(Income-Single) (09/2012)

 The following three examples use assumed fees and values listed in the table below. The assumed rider year
is not a leap year. 
  

																	
	 Designated Allocation Group
	  	Fee	 	 	Policy Value	 	  	Partial Withdrawal
Used in Example 4	 	  	Fund Transfer
Used in Example 5	 
	 Group A
	  	 	2.50	% 	 	$	49,000	  	  	$	-5,000	  	  	$	-5,000	  
	 Group B
	  	 	2.40	% 	 	$	29,000	  	  	$	-3,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	19,000	  	  	$	-2,000	  	  	$	2,000	  

 Example 3: Calculation for second quarter fee at beginning of second rider quarter, assuming withdrawal base of
$110,000 and policy value of $97,000 invested as above. 
 = 110,000 * [(49,000*0.0250) + (29,000*0.0240) + (19,000*0.0230)]
/ 97,000 * (91/365) 
 = 110,000 * (1,225 + 696 + 437) / 97,000 * (91/365) 

= 110,000 * 2,358/97,000 * (91/365) 
 = 2,674.02 * (91/365) 
 = $666.67 

Example 4: Calculation for second quarter fee assuming beginning values as in Example 3 above, plus adjustment for partial withdrawal of $10,000
taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5%, policy value of $97,000 prior to the transaction and change in withdrawal base as follows: 
 Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = 110,000 * .05 = $5,500 

Excess Withdrawal = Difference between assumed withdrawal amount and RWA = 10,000 - 5,500 = $4,500 

Withdrawal Base Adjustment = Max (Excess Withdrawal, Excess Withdrawal * Withdrawal Base prior to withdrawal / Policy Value after RWA has been withdrawn
but before excess withdrawal) = Max [4,500, 4,500 * 110,000 / (97,000-5,500)] = Max (4,500, 5,409.84) = $5,409.84 
 Fee adjustment as follows:

 = -5,409.84 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (40/365) 

= -5,409.84 * (125 + 72 + 46) / 10,000 * (40/365) 
 = -5,409.84 * 243/10,000 * (40/365) 
 = -131.46 * (40/365) 

= $-14.41 
 Total fee assessed
on second rider quarterversary (assuming no further rider fee adjustments): 
 = 666.67 - 14.41 

= $652.26 
 The new Withdrawal
Base = $110,000 - $5,409.84 = $104,590.16 
 Example 5: Calculation for fund transfer occurring during second quarter with 25 days
remaining in the rider quarter, assuming beginning values as in Example 3 and withdrawal adjustment as in Example 4 above. 
 Withdrawal Base =
$104,590.16 and assumed policy value of $90,000. Fund transfer amount of $5,000 as allocated in table above. 
 Fee adjustment as follows:

 = 104,590.16 * [(-5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 90,000 * (25/365) 

= 104,590.16 * (-125 + 72 + 46) / 90,000 * (25/365) 
 = 104,590.16 * -7/90,000 * (25/365) 
 = -8.13 * (25/365) 

= $-0.56 
 Total fee assessed on
second rider quarterversary (assuming no further rider fee adjustments): 
 = 652.26 - 0.56 

= $651.70 

  

					
	RGMB 37 0809 (IS) (NY)	  	(A-2	  	(Income-Single) (09/2012)

 XXXXXXXXXXXX 
  

			
	

	    	Home Office located at:
	    	440 Mamaroneck Avenue, Harrison, New York 10528
	    	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) 355-8511

 RETIREMENT INCOME CHOICE WITH DEATH BENEFIT RIDER 

This rider is issued as a part of the policy (contract) to which it is attached. 
 All provisions of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the provisions of this rider and the provisions of the policy, the provisions of
this rider shall prevail over the provisions of the policy. 
 Rider Data Specification 

 

			
	 Policy Number:
	  	XXXXXXXXXXX
	 Rider Date:
	  	XXXXXXXXXX
	 Growth Rate Percentage:
	  	5.00%
		
	 Rider Fee Percentages:
	  	
	 Designated Allocation Group A:
	  	XXXXX
	 Designated Allocation Group B:
	  	XXXXX
	 Designated Allocation Group C:
	  	XXXXX
		
	 Annuitant:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
		  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Issue Age/Sex:
	  	XX / XXXXXXXXXX

  
  

ARTICLE I 
 You may cancel this
rider on or before midnight of the thirtieth calendar day after you received it and no rider fees will be assessed. 
 This rider
provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the policy equal to the Withdrawal Percentage shown in Article III applied to the withdrawal base. The withdrawal base is established for the sole
purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender value or other guaranteed benefits. 

If you elect this rider, 100% of your policy value must be in one or more of the designated investment options. 

You can generally transfer between the designated investment options as permitted under your policy; however, you cannot make transfers as provided for
in the policy to a non-designated investment option while this rider is in force. If you wish to make a transfer to a non-designated investment option, this rider must be terminated, as described in Article IV, prior to making the transfer.

 DEFINITIONS: 
 Terms used
that are not defined in this rider shall have the same meaning as those in your policy. 
 Designated Investment Options 

Investment options authorized for use with this rider and identified by us as designated investment options. 

Excess Withdrawal 
 The excess of a gross
partial withdrawal over the rider withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 

The amount that will be deducted from your policy value as a result of each partial withdrawal. 

  

					
	RGMB 37 0809 (AS) (NY)	  	( 1	  	(Income/Death-Single) (09/2012)

 ARTICLE I CONTINUED 
 Rider Anniversary 
 The anniversary of the rider date. 

Rider Fee 
 The fee charged for the
benefits under this rider. The fee will be charged on each rider quarterversary by the Company. 
 Rider Monthiversary 

The same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Quarter 
 Each three-month period
following the rider date. 
 Rider Quarterversary 
 For each rider quarter, the same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Withdrawal Amount 
 The maximum
amount that can be withdrawn from the policy each rider year without causing an excess withdrawal under the terms of this rider and thus reducing the withdrawal base. This amount will change if the withdrawal base changes. 

Rider Year 
 Each twelve-month period
following the rider date. 
 Valuation Period 
 The period of time from one determination of the value of a subaccount to the next. Such determinations are made when the value of the assets and liabilities of each subaccount is calculated. This is
generally the close of business on each day on which the New York Stock Exchange is open. 
 Withdrawal Base 

The amount used to calculate the rider withdrawal amount and the rider fee. This amount cannot be taken as a lump sum. 

ARTICLE II 
 RIDER FEES

 The rider fee is deducted on each rider quarterversary in arrears. The fee is calculated at issue and at the beginning of each rider quarter
for the upcoming quarter. The rider fee percentage will not change during the first five rider years, and will only change thereafter due to an automatic step-up. You will be notified of any increase in the rider fee percentage. A portion of this
fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider quarterversary. 

The stored fee will be adjusted for new deposits, transfers among designated investment options and excess withdrawals made during the rider quarter.

 Fees will be calculated and stored on the day the rider is issued and at the beginning of each rider quarter. They will be deducted
automatically from each subaccount on a pro rata basis on each rider quarterversary. The annual fee percentages for each designated allocation group are shown on page 1, in the Rider Data Specification section. 

The quarterly fee is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4). 
  

	1)	Withdrawal Base; 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value; 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year. 

 

	Please	see the Appendix attached to this rider which illustrates how the rider fee is calculated. 

  

					
	RGMB 37 0809 (AS) (NY)	  	( 2	  	(Income/Death-Single) (09/2012)

 ARTICLE III 
 GUARANTEED LIFETIME WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can receive
up to the rider withdrawal amount each rider year, regardless of the policy value, (either through withdrawals or payments, where payments are equal to the rider withdrawal amount if your policy value equals zero) until the annuitant’s death.

 The withdrawal percentage is determined by the attained age (age at last birthday) of the annuitant at the time of the first withdrawal of
any amount from the policy value taken on or after the rider anniversary following the annuitant’s 59th birthday. Once the withdrawal percentage is established, it may only be changed by an upgrade or automatic step-up and redetermined at that
time. Upon automatic step-up, the withdrawal percentage will be reset based on the attained age at the time of automatic step-up. The withdrawal percentages are shown in the table below. 

 

							
	 	 	 Attained Age
	 	Withdrawal
Percentage	 	 
		 	59 - 64	 	4.0%	 	
		 	65 - 79	 	5.0%	 	
		 	80 +	 	6.0%	 	

 If the annuitant is not yet 59 on the rider date, the withdrawal percentage will be zero until the rider anniversary
following the annuitant’s 59th birthday. Withdrawals prior to age 59 1/2 will be subject to the 10% penalty tax. 
 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. Also, if the policy value
equals zero, you will need to request payments by selecting the amount and frequency in accordance with the policy provisions to which this rider attaches, equal to the rider withdrawal amount. Once the payment amount and frequency are established,
they cannot be changed and no additional withdrawals will be allowed. 
 We guarantee that you may withdraw up to the rider withdrawal amount
each year regardless of the policy value until the annuitant’s death. 
 Example 

Assume you are the owner and annuitant and begin taking withdrawals at age 80 and your Withdrawal Base is $100,000. Assuming a withdrawal
percentage of 6%, you could withdraw up to $6,000 each rider year for the rest of your life (assuming that you do not withdraw more than $6,000 in any one rider year). 
 Any amount you withdraw in excess of the rider withdrawal amount may impact the withdrawal base on a greater than dollar-for-dollar basis. 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The
Guaranteed Lifetime Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 ISSUE AGE AND
SURVIVAL 
 The benefits under this rider depend on the annuitant being alive at the time of withdrawal and the amount of the benefit depends
on the attained age of the annuitant. Proof of survival and the date of birth may be required by the Company. 
 If the annuitant’s age has
been misstated, this rider’s fees and benefits will be adjusted to the amounts which would have been calculated for the correct age. However, if this rider would not have been issued had the age not been misstated, the rider is treated as if it
never existed, and any fees charged for this rider would be returned. If withdrawals under the provisions of the rider have already commenced and the misstatement caused the rider withdrawal amount to be overstated, any withdrawal in excess of the
correct rider withdrawal amount will be considered an excess withdrawal and will impact the withdrawal base and rider withdrawal amount. If overpayments occurred when the sum of the accumulated values in all the investment options was zero, the
amount of that overpayment will be deducted from one or more future payments until this amount is paid in full. 

  

					
	RGMB 37 0809 (AS) (NY) (R0912)	  	(3)	  	(Income/Death-Single) (09/2012)

 ARTICLE III CONTINUED 
 RIDER WITHDRAWAL AMOUNT 
 The rider withdrawal amount will be equal to the greater of 1) and
2), where: 
  

	1)	is the withdrawal percentage multiplied by the withdrawal base; 

  

	2)	is an amount equal to the minimum required distribution amount, if any. Prior to the 1st rider anniversary, this amount is based on the initial policy value on the
rider date. After this time, the minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used 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 rider year. Amounts carried over from past rider 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 rider withdrawal amount. 

If you withdraw less than the rider withdrawal amount in a rider year, the unused portion cannot be carried over to the next rider year. 

WITHDRAWAL BASE 
 The withdrawal base is
used to calculate the rider withdrawal amount. On the rider date, the initial withdrawal base is equal to the policy value (less any premium enhancements if the rider is added in the first policy year). During any rider year, the withdrawal base is
increased by subsequent premium payments (not including premium enhancements, if any), and is reduced for excess withdrawals. 
 On each rider
anniversary, the withdrawal base will be set to the greatest of: 
  

	 	1)	The current withdrawal base; 

  

	 	2)	The policy value on the rider anniversary; 

  

	 	3)	The highest policy value on a rider monthiversary for the current rider year; or 

 

	 	4)	The current withdrawal base immediately prior to rider anniversary processing increased by the growth rate percentage. 

Item 3) above will be zero if there have been any excess withdrawals in the current rider year. Item 4) above will be zero after the 10th rider
anniversary or if there have been any withdrawals in the current rider year. 
 AUTOMATIC STEP-UP FEATURE 

The rider receives an automatic step-up on the rider anniversary if the withdrawal base is set equal to the policy value or the highest policy value on a
rider monthiversary. This feature does not require the termination of the existing rider. This rider will continue with the same rider date and features. The rider fee and withdrawal percentages may be changed due to an automatic step-up, but there
will be no increase in the rider fee percentage during the first five rider years. Following the fifth rider anniversary, the rider fee percentage may be increased due to an automatic step-up, but will not increase more than 0.75% from the initial
rider fee percentages shown on page 1. 
 You have the right to reject an automatic step-up within 30 days following a rider anniversary, if the
rider fee percentage increases. If you reject an automatic step-up, you must notify us in a manner which is acceptable to us, however you are eligible for future automatic step-ups. Changes as a result of the automatic step-up feature will be
reversed. Any increase in the rider fee or withdrawal percentages will also be reversed. 

  

					
	RGMB 37 0809 (AS) (NY)	  	(4	  	(Income/Death-Single) (09/2012)

 ARTICLE III CONTINUED 
 WITHDRAWAL BASE ADJUSTMENTS 
 Gross partial withdrawals, taken in a rider year, less than or
equal to the rider withdrawal amount will not reduce the withdrawal base. Excess withdrawals will reduce the withdrawal base by the withdrawal base adjustment. The withdrawal base adjustment is the greater of 1) and 2), where: 

 

	1)	is the excess withdrawal amount; and 

  

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

  

	 	A)	is the excess withdrawal; 

  

	 	B)	is the withdrawal base prior to the excess withdrawal amount; and 

  

	 	C)	is the policy value after the rider withdrawal amount has been withdrawn, but prior to the withdrawal of the excess withdrawal amount. 

RIDER DEATH BENEFIT 
 Upon the
annuitant’s death, we will pay an additional death benefit amount equal to the excess, if any, of the rider death benefit over the greater of the base policy death benefit or the guaranteed minimum death benefit, if applicable, and this rider
will then terminate. The rider death benefit 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 rider death benefit after the rider date is equal to the rider death
benefit on the rider date plus any premiums (not including premium enhancements, if any) added after the rider date less any rider death benefit adjustments. 
 The rider death benefit does not reset due to the automatic step-up. 
 RIDER DEATH BENEFIT
ADJUSTMENTS 
 Cumulative gross partial withdrawals, taken in a rider year, up to the rider withdrawal amount will reduce the rider death
benefit by the same amount (dollar for dollar). Excess withdrawals will reduce the rider death benefit by the greater of: 
  

	1)	the excess withdrawal amount; and 

  

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

  

	 	A)	is the excess withdrawal; 

  

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

 

	 	C)	is the rider death benefit after the rider withdrawal amount has been withdrawn, but prior to the excess withdrawal. 

ARTICLE IV 
 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 additional death benefit will be paid under this rider at this time. In the case of spousal joint owners where one spouse is the annuitant, if the spouse who
is the annuitant dies, this rider will terminate. 
 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 rider 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 rider death benefit equals zero, the annuitant’s beneficiary will receive a death benefit equal to the rider death benefit. 
 ANNUITIZATION 
 On the maximum annuity commencement date, as described in your policy, you
will have the option to receive lifetime income payments that are no less than your rider withdrawal amount each year. This option will also guarantee that the sum of all income payments received over time will equal or exceed the greater of the
policy value or the rider death benefit on the maximum annuity commencement date. If the annuitant should die before the sum of all income payments received equals or exceeds the greater of the policy value or the rider death benefit on the maximum
annuity commencement date, the annuitant’s beneficiary will receive a final payment equal to the difference. 

  

					
	RGMB 37 0809 (AS) (NY)	  	(5	  	(Income/Death-Single) (09/2012)

 ARTICLE IV CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the withdrawal base to the policy
value within 30 days after the fifth rider anniversary and every fifth rider anniversary thereafter, subject to the issue age restrictions on the new rider. If an upgrade is selected, 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 and rider fee percentages which may not be the same as this rider’s percentages. Other riders with different features may be chosen, if avaiable by the
Company. 
 At the time of upgrade, the rider death benefit will also be upgraded to the policy value and the rider withdrawal amount will be
recalculated based on the new withdrawal base. 
 The new rider date will be the date the Company receives all information necessary, at our
Home Office, in a written form acceptable to the Company, to process the upgrade. 
 TERMINATION 

This rider will terminate upon the earliest of: 
  

	1)	the date the policy to which this rider is attached terminates; 

  

	2)	the date the policy to which this rider is attached is assigned or if the owner is changed without our approval; 

 

	3)	the date of the annuitant’s death; 

  

	4)	the date you elect to upgrade (as described in Article IV of this rider); 

  

	5)	the date you elect to receive annuity payments under your policy; and 

  

	6)	the date you notify us in writing of your intention to terminate this rider (this date must be within 30 days after the fifth rider anniversary and every fifth rider
anniversary thereafter). 

 Termination of the rider will result in the loss of all benefits provided by the rider. 

Signed for us at our home office. 
  

			
	

	  	

	SECRETARY	  	PRESIDENT

  

					
	RGMB 37 0809 (AS) (NY)	  	(6	  	(Income/Death-Single) (09/2012)

 APPENDIX 
 The quarterly fee is calculated as follows: 
 Multiply (1) by (2) divided
by (3) multiplied by (4) where: 
  

	1)	Withdrawal Base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for additional premium payments and excess withdrawals is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4) where: 

 

	1)	Withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction) 

 

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total transaction amount 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for fund transfers is calculated as follows: 
 Multiply (1) by (2) divided by (3) multiplied by (4) where: 
  

	1)	Withdrawal base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The following two examples use assumed fees and values listed in the table below. The assumed rider year is not a leap year. 

 

													
	 Designated Allocation Group
	  	Fee	 	 	Initial
Policy Value	 	  	Additional Premium
Used in Example 2	 
	 Group A
	  	 	2.50	% 	 	$	50,000	  	  	$	5,000	  
	 Group B
	  	 	2.40	% 	 	$	30,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	20,000	  	  	$	2,000	  

 Example 1: Calculation at rider issue for first quarter fee assuming an initial withdrawal base of $100,000.

 = 100,000 * [(50,000*0.0250) + (30,000*0.0240) + (20,000*0.0230)] / 100,000 * (91/365) 

= 100,000 * (1,250 + 720 + 460) / 100,000 * (91/365) 
 = 100,000 * 2,430/100,000 * (91/365) 
 = 2,430 * (91/365) 

= $605.84 
 Example 2:
Calculation for first quarter fee assuming initial withdrawal base from Example 1 above, plus adjustment for additional premium payment of $10,000 made with 20 days remaining in the first rider quarter (invested as shown above). The withdrawal
base change and total transaction amount equal $10,000. 
 Fee adjustment as follows: 

= 10,000 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (20/365) 

= 10,000 * (125 + 72 + 46) / 10,000 * (20/365) 
 = 10,000 * 243/10,000 * (20/365) 
 = 243 * (20/365) 

= $13.32 
 Total fee assessed on
first rider quarterversary (assuming no further rider fee adjustments): 
 = 13.32 + 605.84 

= $619.16 

  

					
	RGMB 37 0809 (AS) (NY)	  	(A-1	  	(Income/Death-Single) (09/2012)

 The following three examples use assumed fees and values listed in the table below. The assumed rider year
is not a leap year. 
  

																	
	 Designated Allocation Group
	  	Fee	 	 	Policy Value	 	  	Partial Withdrawal
Used in Example 4	 	  	Fund Transfer
Used in Example 5	 
	 Group A
	  	 	2.50	% 	 	$	49,000	  	  	$	-5,000	  	  	$	-5,000	  
	 Group B
	  	 	2.40	% 	 	$	29,000	  	  	$	-3,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	19,000	  	  	$	-2,000	  	  	$	2,000	  

 Example 3: Calculation for second quarter fee at beginning of second rider quarter, assuming withdrawal base of
$110,000 and policy value of $97,000 invested as above. 
 = 110,000 * [(49,000*0.0250) + (29,000*0.0240) + (19,000*0.0230)]
/ 97,000 * (91/365) 
 = 110,000 * (1,225 + 696 + 437) / 97,000 * (91/365) 

= 110,000 * 2,358/97,000 * (91/365) 
 = 2,674.02 * (91/365) 
 = $666.67 

Example 4: Calculation for second quarter fee assuming beginning values as in Example 3 above, plus adjustment for partial withdrawal of $10,000
taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 5%, policy value of $97,000 prior to the transaction and change in withdrawal base as follows: 
 Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = 110,000 * .05 = $5,500 

Excess Withdrawal = Difference between assumed withdrawal amount and RWA = 10,000 - 5,500 = $4,500 

Withdrawal Base Adjustment = Max (Excess Withdrawal, Excess Withdrawal * Withdrawal Base prior to withdrawal / Policy Value after RWA has been withdrawn
but before excess withdrawal) = Max [4,500, 4,500 * 110,000 / (97,000-5,500)] = Max (4,500, 5,409.84) = $5,409.84 
 Fee adjustment as follows:

 = -5,409.84 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (40/365) 

= -5,409.84 * (125 + 72 + 46) / 10,000 * (40/365) 
 = -5,409.84 * 243/10,000 * (40/365) 
 = -131.46 * (40/365) 

= $-14.41 
 Total fee assessed
on second rider quarterversary (assuming no further rider fee adjustments): 
 = 666.67 - 14.41 

= $652.26 
 The new Withdrawal
Base = $110,000 - $5,409.84 = $104,590.16 
 Example 5: Calculation for fund transfer occurring during second quarter with 25 days
remaining in the rider quarter, assuming beginning values as in Example 3 and withdrawal adjustment as in Example 4 above. 
 Withdrawal Base =
$104,590.16 and assumed policy value of $90,000. Fund transfer amount of $5,000 as allocated in table above. Fee adjustment as follows: 
 = 104,590.16* [(-5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 90,000 * (25/365) 
 = 104,590.16 * (-125 + 72 + 46) / 90,000 * (25/365) 
 = 104,590.16 * -7/90,000 *
(25/365) 
 = -8.13 * (25/365) 
 = $-0.56 
 Total fee assessed on second rider quarterversary (assuming no further rider fee
adjustments): 
 = 652.26 - 0.56 
 = $651.70 

  

					
	RGMB 37 0809 (AS) (NY)	  	(A-2	  	(Income/Death-Single) (09/2012)

 XXXXXXXXXXXX 
  

			
	

	    	Home Office located at:
	    	440 Mamaroneck Avenue, Harrison, New York 10528
	    	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) 355-8511

 RETIREMENT INCOME CHOICE RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. 
 All provisions
of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the provisions of this rider and the provisions of the policy, the provisions of this rider shall prevail over the provisions of the policy.

 Rider Data Specification 
  

			
	 Policy Number:
	  	XXXXXXXXXXX
	 Rider Date:
	  	XXXXXXXXXX
	 Growth Rate Percentage:
	  	5.00%
		
	 Rider Fee Percentages:
	  	
	 Designated Allocation Group A:
	  	XXXXX
	 Designated Allocation Group B:
	  	XXXXX
	 Designated Allocation Group C:
	  	XXXXX
		
	 Annuitant:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
		  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Issue Age/Sex:
	  	XX / XXXXXXXXXX
	 Annuitant’s Spouse:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Spouse’s Issue Age/Sex:
	  	XX / XXXXXXXXXX

  
  

ARTICLE I 
 You may cancel
this rider on or before midnight of the thirtieth calendar day after you received it and no rider fees will be assessed. 
 This rider
provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the policy equal to the Withdrawal Percentage shown in Article III applied to the withdrawal base. The withdrawal base is established for the sole
purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender value or other guaranteed benefits. 

If you elect this rider, 100% of your policy value must be in one or more of the designated investment options. 

You can generally transfer between the designated investment options as permitted under your policy; however, you cannot make transfers as provided for
in the policy to a non-designated investment option while this rider is in force. If you wish to make a transfer to a non-designated investment option, this rider must be terminated, as described in Article IV, 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 cannot be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the policy to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 

Designated Investment Options 

Investment options authorized for use with this rider and identified by us as designated investment options. 

Excess Withdrawal 
 The excess of a gross
partial withdrawal over the rider withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 

The amount that will be deducted from your policy value as a result of each partial withdrawal 

  

					
	RGMB 37 0809 (IJ) (NY)	  	(1	  	(Income-Joint) (09/2012)

 ARTICLE I CONTINUED 
 Rider Anniversary 
 The anniversary of the rider date. 

Rider Fee 
 The fee charged for the
benefits under this rider. The fee will be charged on each rider quarterversary by the Company. 
 Rider Monthiversary 

The same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Quarter 
 Each three-month period
following the rider date. 
 Rider Quarterversary 
 For each rider quarter, the same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Withdrawal Amount 
 The maximum
amount that can be withdrawn from the policy each rider year without causing an excess withdrawal under the terms of this rider and thus reducing the withdrawal base. This amount will change if the withdrawal base changes. 

Rider Year 
 Each twelve-month period
following the rider date. 
 Valuation Period 
 The period of time from one determination of the value of a subaccount to the next. Such determinations are made when the value of the assets and liabilities of each subaccount is calculated. This is
generally the close of business on each day on which the New York Stock Exchange is open. 
 Withdrawal Base 

The amount used to calculate the rider withdrawal amount and the rider fee. This amount cannot be taken as a lump sum. 

ARTICLE II 
 RIDER FEES

 The rider fee is deducted on each rider quarterversary in arrears. The fee is calculated at issue and at the beginning of each rider quarter
for the upcoming quarter. The rider fee percentage will not change during the first five rider years, and will only change thereafter due to an automatic step-up. You will be notified of any increase in the rider fee percentage. A portion of this
fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider quarterversary. 

The stored fee will be adjusted for new deposits, transfers among designated investment options and excess withdrawals made during the rider quarter.

 Fees will be calculated and stored on the day the rider is issued and at the beginning of each rider quarter. They will be deducted
automatically from each subaccount on a pro rata basis on each rider quarterversary. The annual fee percentages for each designated allocation group are shown on page 1, in the Rider Data Specification section. 

The quarterly fee is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4). 
  

	1)	Withdrawal Base; 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value; 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year. 

Please see the Appendix attached to this rider which illustrates how the rider fee is calculated. 

  

					
	RGMB 37 0809 (IJ) (NY) 	  	(2	  	(Income-Joint) (09/2012)

 ARTICLE III 
 GUARANTEED LIFETIME WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can receive
up to the rider withdrawal amount each rider year, regardless of the policy value, (either through withdrawals or payments, where payments are equal to the rider withdrawal amount if your policy value equals zero) until the annuitant’s or the
annuitant’s spouse’s death, whichever is later. 
 The withdrawal percentage is determined by the attained age (age at last birthday)
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 the rider anniversary following the younger of the living spouse’s 59th birthday. Once the withdrawal percentage is
established, it may only be changed by an upgrade or automatic step-up and redetermined at that time. Upon automatic step-up, the withdrawal percentage will be reset based on the attained age of the younger of the living spouses at the time of the
automatic step-up. The withdrawal percentages are shown in the table below. 
  

							
	 	 	 Attained Age
	 	Withdrawal
Percentage	 	 
		 	59 - 64	 	3.5%	 	
		 	65 - 79	 	4.5%	 	
		 	80 +	 	5.5%	 	

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, the withdrawal
percentage will be zero until the rider anniversary following the younger of the living spouse’s 59th birthday. Withdrawals prior to age 59 1/2 will be subject to the 10% penalty tax. 
 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. Also, if the policy value equals zero, you will need to request payments by selecting the amount and frequency in accordance with the policy provisions to which this rider attaches, equal to the rider
withdrawal amount. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be allowed. 

We guarantee that you may withdraw up to the rider withdrawal amount each year regardless of the policy value until the annuitant’s death.

 Example 
 Assume the younger of the annuitant and the annuitant’s spouse is 80 and withdrawals begin and your Withdrawal Base is $100,000. Assuming a withdrawal percentage of 5.5%, you could withdraw up to
$5,500 each rider year until the annuitant’s or the annuitant’s spouse’s death, which ever is later (assuming that you do not withdraw more than $5,500 in any one rider year). 
 Any amount you withdraw in excess of the rider withdrawal amount may impact the withdrawal base on a greater than dollar-for-dollar basis. 
 Please see the Appendix attached to this rider which illustrates the withdrawal benefit. 
 The
Guaranteed Lifetime Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy value. 
 ISSUE AGE AND
SURVIVAL 
 The benefits under this rider depend on the annuitant or annuitant’s spouse being alive at the time of withdrawal and the
amount of the benefit depends on the attained age of the annuitant and annuitant’s spouse. Proof of survival and the date of birth may be required by the Company. 
 If the younger of the spouses’ ages has been misstated, this rider’s fees and benefits will be adjusted to the amounts which would have been calculated for the correct age. However, if this
rider would not have been issued had the age not been misstated, the rider is treated as if it never existed, and any fees charged for this rider would be returned. If withdrawals under the provisions of the rider have already commenced and the
misstatement caused the rider withdrawal amount to be overstated, any withdrawal in excess of the correct rider withdrawal amount will be considered an excess withdrawal and will impact the withdrawal base and rider withdrawal amount. If
overpayments occurred when the sum of the accumulated values in all the investment options was zero, the amount of that overpayment will be deducted from one or more future payments until this amount is paid in full. 

  

					
	RGMB 37 0809 (IJ) (NY) (R0912)	  	(3)	  	(Income-Joint) (09/2012)

 ARTICLE III CONTINUED 
 RIDER WITHDRAWAL AMOUNT 
 The rider withdrawal amount will be equal to the greater of 1) and
2), where: 
  

	1)	is the withdrawal percentage multiplied by the withdrawal base; 

  

	2)	is an amount equal to the minimum required distribution amount, if any. Prior to the 1st rider anniversary, this amount is based on the initial policy value on the
rider date. After this time, the minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used 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 rider year. Amounts carried over from past rider 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 rider withdrawal amount. 

If you withdraw less than the rider withdrawal amount in a rider year, the unused portion cannot be carried over to the next rider year. 

WITHDRAWAL BASE 
 The withdrawal base is
used to calculate the rider withdrawal amount. On the rider date, the initial withdrawal base is equal to the policy value (less any premium enhancements if the rider is added in the first policy year). During any rider year, the withdrawal base is
increased by subsequent premium payments (not including premium enhancements, if any), and is reduced for excess withdrawals. 
 On each rider
anniversary, the withdrawal base will be set to the greatest of: 
  

	 	1)	The current withdrawal base; 

  

	 	2)	The policy value on the rider anniversary; 

  

	 	3)	The highest policy value on a rider monthiversary for the current rider year; or 

 

	 	4)	The current withdrawal base immediately prior to rider anniversary processing increased by the growth rate percentage. 

Item 3) above will be zero if there have been any excess withdrawals in the current rider year. Item 4) above will be zero after the 10th rider
anniversary or if there have been any withdrawals in the current rider year. 
 AUTOMATIC STEP-UP FEATURE 

The rider receives an automatic step-up on the rider anniversary if the withdrawal base is set equal to the policy value or the highest policy value on a
rider monthiversary. This feature does not require the termination of the existing rider. This rider will continue with the same rider date and features. The rider fee and withdrawal percentages may be changed due to an automatic step-up, but there
will be no increase in the rider fee percentage during the first five rider years. Following the fifth rider anniversary, the rider fee percentage may be increased due to an automatic step-up, but will not increase more than 0.75% from the initial
rider fee percentages shown on page 1. 
 You have the right to reject an automatic step-up within 30 days following a rider anniversary, if the
rider fee percentage increases. If you reject an automatic step-up, you must notify us in a manner which is acceptable to us, however you are eligible for future automatic step-ups. Changes as a result of the automatic step-up feature will be
reversed. Any increase in the rider fee or withdrawal percentages will also be reversed. 

  

					
	RGMB 37 0809 (IJ) (NY)	  	(4	  	(Income-Joint) (09/2012)

 ARTICLE III CONTINUED 
 WITHDRAWAL BASE ADJUSTMENTS 
 Gross partial withdrawals, taken in a rider year, less than or
equal to the rider withdrawal amount will not reduce the withdrawal base. Excess withdrawals will reduce the withdrawal base by the withdrawal base adjustment. The withdrawal base adjustment is the greater of 1) and 2), where: 

 

	1)	is the excess withdrawal amount; and 

  

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

  

	 	A)	is the excess withdrawal; 

  

	 	B)	is the withdrawal base prior to the excess withdrawal amount; and 

  

	 	C)	is the policy value after the rider withdrawal amount has been withdrawn, but prior to the withdrawal of the excess withdrawal amount. 

ARTICLE IV 
 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 spousal joint owners where one spouse is the annuitant, if the spouse who is the annuitant dies and the surviving spouse is the sole beneficiary,
the rider continues until the death of the surviving spouse. 
 ANNUITIZATION 
 On the maximum annuity commencement date, as described in your policy, you will have the option to receive lifetime income payments that are no less than your rider withdrawal amount each year. This
option will also guarantee that the sum of all income payments received over time will equal or exceed the policy value on the maximum annuity commencement date. If the annuitant or annuitant’s spouse should die before the sum of all income
payments received equals or exceeds the policy value on the maximum annuity commencement date, the annuitant’s beneficiary will receive a final payment equal to the difference. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the withdrawal base to the policy
value within 30 days after the fifth rider anniversary and every fifth rider anniversary thereafter, subject to the issue age restrictions on the new rider. If an upgrade is selected, 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 and rider fee percentages which may not be the same as this rider’s percentages. Other riders with different features may be chosen, if available by
the Company. 
 At the time of upgrade the rider withdrawal amount will be recalculated based on the new withdrawal base. 

The new rider date will be the date the Company receives all information necessary, at our Home Office, in a written form acceptable to the Company, to
process the upgrade. 

  

					
	RGMB 37 0809 (IJ) (NY)	  	(5	  	(Income-Joint) (09/2012)

 ARTICLE IV CONTINUED 
 TERMINATION 
 This rider will terminate upon the earliest of: 

 

	1)	the date the policy to which this rider is attached terminates; 

  

	2)	the date the policy to which this rider is attached is assigned or if the owner is changed without our approval; 

 

	3)	the later of the annuitant’s or annuitant’s spouse’s death; 

 

	4)	the date you elect to upgrade (as described in Article IV of this rider); 

  

	5)	the date you elect to receive annuity payments under your policy; and 

  

	6)	the date you notify us in writing of your intention to terminate this rider (this date must be within 30 days after the fifth rider anniversary and every fifth rider
anniversary thereafter). 

 Termination of the rider will result in the loss of all benefits provided by the rider. 

Signed for us at our home office. 
  

			
	

	  	

	SECRETARY	  	PRESIDENT

  

					
	RGMB 37 0809 (IJ) (NY)	  	(6	  	(Income-Joint) (09/2012)

 APPENDIX 
 The quarterly fee is calculated as follows: 
 Multiply (1) by (2) divided
by (3) multiplied by (4) where: 
  

	1)	Withdrawal Base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for additional premium payments and excess withdrawals is calculated as follows: Multiply (1) by (2) divided by
(3) multiplied by (4) where: 
  

	1)	Withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction) 

 

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total transaction amount 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for fund transfers is calculated as follows: Multiply (1) by (2) divided by (3) multiplied by (4) where:

  

	1)	Withdrawal base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The following two examples use assumed fees and values listed in the table below. The assumed rider year is not a leap year. 

 

													
	 Designated Allocation Group
	  	Fee	 	 	Initial
Policy Value	 	  	Additional Premium
Used in Example 2	 
	 Group A
	  	 	2.50	% 	 	$	50,000	  	  	$	5,000	  
	 Group B
	  	 	2.40	% 	 	$	30,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	20,000	  	  	$	2,000	  

 Example 1: Calculation at rider issue for first quarter fee assuming an initial withdrawal base of $100,000.

 = 100,000 * [(50,000*0.0250) + (30,000*0.0240) + (20,000*0.0230)] / 100,000 * (91/365) 

= 100,000 * (1,250 + 720 + 460) / 100,000 * (91/365) 
 = 100,000 * 2,430/100,000 * (91/365) 
 = 2,430 * (91/365) 

= $605.84 
 Example 2:
Calculation for first quarter fee assuming initial withdrawal base from Example 1 above, plus adjustment for additional premium payment of $10,000 made with 20 days remaining in the first rider quarter (invested as shown above). The withdrawal
base change and total transaction amount equal $10,000. 
 Fee adjustment as follows: 

= 10,000 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (20/365) 

= 10,000 * (125 + 72 + 46) / 10,000 * (20/365) 
 = 10,000 * 243/10,000 * (20/365) 
 = 243 * (20/365) 

= $13.32 
 Total fee assessed on
first rider quarterversary (assuming no further rider fee adjustments): 
 = 13.32 + 605.84 

= $619.16 

  

					
	RGMB 37 0809 (IJ) (NY)	  	(A-1	  	(Income-Joint) (09/2012)

 The following three examples use assumed fees and values listed in the table below. The assumed rider year
is not a leap year. 
  

																	
	 Designated Allocation Group
	  	Fee	 	 	Policy Value	 	  	Partial Withdrawal
Used in Example 4	 	  	Fund Transfer
Used in Example 5	 
	 Group A
	  	 	2.50	% 	 	$	49,000	  	  	$	-5,000	  	  	$	-5,000	  
	 Group B
	  	 	2.40	% 	 	$	29,000	  	  	$	-3,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	19,000	  	  	$	-2,000	  	  	$	2,000	  

 Example 3: Calculation for second quarter fee at beginning of second rider quarter, assuming withdrawal base of
$110,000 and policy value of $97,000 invested as above. 
 = 110,000 * [(49,000*0.0250) + (29,000*0.0240) + (19,000*0.0230)]
/ 97,000 * (91/365) 
 = 110,000 * (1,225 + 696 + 437) / 97,000 * (91/365) 

= 110,000 * 2,358/97,000 * (91/365) 
 = 2,674.02 * (91/365) 
 = $666.67 

Example 4: Calculation for second quarter fee assuming beginning values as in Example 3 above, plus adjustment for partial withdrawal of $10,000
taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 4.5%, policy value of $97,000 prior to the transaction and change in withdrawal base as follows: 
 Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = 110,000 * .045 = $4,950 

Excess Withdrawal = Difference between assumed withdrawal amount and RWA = 10,000 - 4,950 = $5,050 

Withdrawal Base Adjustment = Max (Excess Withdrawal, Excess Withdrawal * Withdrawal Base prior to withdrawal / Policy Value after RWA has been withdrawn
but before excess withdrawal) = Max [5,050, 5,050 * 110,000 / (97,000-4,950)] = Max (5,050, 6,034.76) = $6,034.76 
 Fee adjustment as follows:

 = -6,034.76 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (40/365) 

= -6,034.76 * (125 + 72 + 46) / 10,000 * (40/365) 
 = -6,034.76 * 243/10,000 * (40/365) 
 = -146.64 * (40/365) 

= $-16.07 
 Total fee assessed
on second rider quarterversary (assuming no further rider fee adjustments): 
 = 666.67 - 16.07 

= $650.60 
 The new Withdrawal
Base = $110,000 - $6,034.76 = $103,965.24 
 Example 5: Calculation for fund transfer occurring during second quarter with 25 days
remaining in the rider quarter, assuming beginning values as in Example 3 and withdrawal adjustment as in Example 4 above. 
 Withdrawal Base =
$103,965.24 and assumed policy value of $90,000. Fund transfer amount of $5,000 as allocated in table above. Fee adjustment as follows: 
 = 103,965.24 * [(-5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 90,000 * (25/365) 
 = 103,965.24* (-125 + 72 + 46) / 90,000 * (25/365) 
 = 103,965.24 * -7/90,000 *
(25/365) 
 = -8.09 * (25/365) 
 = $-0.55 
 Total fee assessed on second rider quarterversary (assuming no further rider fee
adjustments): 
 = 650.60 - 0.55 
 = $650.05 

  

					
	RGMB 37 0809 (IJ) (NY)	  	(A-2	  	(Income-Joint) (09/2012)

			
	 XXXXXXXXXXXX
  
	    	 
	

	    	Home Office located at:
	    	440 Mamaroneck Avenue, Harrison, New York 10528
	    	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) 355-8511

 RETIREMENT INCOME CHOICE WITH DEATH BENEFIT RIDER 

This rider is issued as a part of the policy (contract) to which it is attached. 
 All provisions of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the provisions of this rider and the provisions of the policy, the provisions of
this rider shall prevail over the provisions of the policy. 
 Rider Data Specification 

 

			
	 Policy Number:
	  	XXXXXXXXXXX
	 Rider Date:
	  	XXXXXXXXXX
	 Growth Rate Percentage:
	  	5.00%
		
	 Rider Fee Percentages:
	  	
	 Designated Allocation Group A:
	  	XXXXX
	 Designated Allocation Group B:
	  	XXXXX
	 Designated Allocation Group C:
	  	XXXXX
		
	 Annuitant:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
		  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Issue Age/Sex:
	  	XX / XXXXXXXXXX
	 Annuitant’s Spouse:
	  	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
	 Annuitant’s Spouse’s Issue Age/Sex:
	  	XX / XXXXXXXXXX

  
  

ARTICLE I 
 You may cancel
this rider on or before midnight of the thirtieth calendar day after you received it and no rider fees will be assessed. 
 This rider
provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the policy equal to the Withdrawal Percentage shown in Article III applied to the withdrawal base. The withdrawal base is established for the sole
purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender value or other guaranteed benefits. 

If you elect this rider, 100% of your policy value must be in one or more of the designated investment options. 

You can generally transfer between the designated investment options as permitted under your policy; however, you cannot make transfers as provided for
in the policy to a non-designated investment option while this rider is in force. If you wish to make a transfer to a non-designated investment option, this rider must be terminated, as described in Article IV, 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 cannot be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only living owners allowed on the policy to which this rider is attached are the annuitant and the
annuitant’s spouse. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 

Designated Investment Options 

Investment options authorized for use with this rider and identified by us as designated investment options. 

Excess Withdrawal 
 The excess of a gross
partial withdrawal over the rider withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 

The amount that will be deducted from your policy value as a result of each partial withdrawal. 

  

					
	RGMB 37 0809 (AJ) (NY) 	  	(1	  	(Income/Death-Joint) (09/2012)

 ARTICLE I CONTINUED 
 Rider Anniversary 
 The anniversary of the rider date. 

Rider Fee 
 The fee charged for the
benefits under this rider. The fee will be charged on each rider quarterversary by the Company. 
 Rider Monthiversary 

The same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Quarter 
 Each three-month period
following the rider date. 
 Rider Quarterversary 
 For each rider quarter, the same day of the month as the rider date, or the next business day if our Administrative Office or the New York Stock Exchange is closed. 

Rider Withdrawal Amount 
 The maximum
amount that can be withdrawn from the policy each rider year without causing an excess withdrawal under the terms of this rider and thus reducing the withdrawal base. This amount will change if the withdrawal base changes. 

Rider Year 
 Each twelve-month period
following the rider date. 
 Valuation Period 
 The period of time from one determination of the value of a subaccount to the next. Such determinations are made when the value of the assets and liabilities of each subaccount is calculated. This is
generally the close of business on each day on which the New York Stock Exchange is open. 
 Withdrawal Base 

The amount used to calculate the rider withdrawal amount and the rider fee. This amount cannot be taken as a lump sum. 

ARTICLE II 
 RIDER FEES

 The rider fee is deducted on each rider quarterversary in arrears. The fee is calculated at issue and at the beginning of each rider quarter
for the upcoming quarter. The rider fee percentage will not change during the first five rider years, and will only change thereafter due to an automatic step-up. You will be notified of any increase in the rider fee percentage. A portion of this
fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider quarterversary. 

The stored fee will be adjusted for new deposits, transfers among designated investment options and excess withdrawals made during the rider quarter.

 Fees will be calculated and stored on the day the rider is issued and at the beginning of each rider quarter. They will be deducted
automatically from each subaccount on a pro rata basis on each rider quarterversary. The annual fee percentages for each designated allocation group are shown on page 1, in the Rider Data Specification section. 

The quarterly fee is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4). 
  

	1)	Withdrawal Base; 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value; 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year. 

Please see the Appendix attached to this rider which illustrates how the rider fee is calculated. 

  

					
	RGMB 37 0809 (AJ) (NY) 	  	(2	  	(Income/Death-Joint) (09/2012)

 ARTICLE III 
 GUARANTEED LIFETIME WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can receive
up to the rider withdrawal amount each rider year, regardless of the policy value, (either through withdrawals or payments, where payments are equal to the rider withdrawal amount if your policy value equals zero) until the annuitant’s or the
annuitant’s spouse’s death, whichever is later. 
 The withdrawal percentage is determined by the attained age (age at last birthday)
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 the rider anniversary following the younger of the living spouse’s 59th birthday. Once the withdrawal percentage is
established, it may only be changed by an upgrade or automatic step-up and redetermined at that time. Upon automatic step-up, the withdrawal percentages will be reset based on the attained age of the younger of the living spouses at the time of the
automatic step-up. The withdrawal percentages are shown in the table below. 
  

							
	 	 	 Attained Age
	 	Withdrawal
Percentage	 	 
		 	59 - 64	 	3.5%	 	
		 	65 - 79	 	4.5%	 	
		 	80 +	 	5.5%	 	

 If the younger of the annuitant and the annuitant’s spouse is not yet 59 on the rider date, the withdrawal
percentage will be zero until the rider anniversary following the younger of the living spouse’s 59th birthday. Withdrawals prior to age 59 1/2 will be subject to the 10% penalty tax. 
 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. Also, if the policy value equals zero, you will need to request payments by selecting the amount and frequency in accordance with the policy provisions to which this rider attaches, equal to the rider
withdrawal amount. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be allowed. 

We guarantee that you may withdraw up to the rider withdrawal amount each year regardless of the policy value until the annuitant’s death.

 Example 
 Assume the younger of the annuitant and the annuitant’s spouse is 80 and withdrawals begin and your Withdrawal Base is 
 $100,000. Assuming a withdrawal percentage of 5.5%, you could withdraw up to $5,500 each rider year until the annuitant’s or the annuitant’s spouse’s death, which ever is later (assuming
that you do not withdraw more than $5,500 in any one rider year). 
 Any amount you withdraw in excess of the rider withdrawal amount may impact
the withdrawal base on a greater than dollar-for-dollar basis. 
 Please see the Appendix attached to this rider which illustrates the
withdrawal benefit. 
 The Guaranteed Lifetime Withdrawal Benefit can only be taken as a withdrawal benefit and it does not increase the policy
value. 
 ISSUE AGE AND SURVIVAL 

The benefits under this rider depend on the annuitant or annuitant’s spouse being alive at the time of withdrawal and the amount of the benefit
depends on the attained age of the annuitant and annuitant’s spouse. Proof of survival and the date of birth may be required by the Company. 
 If the younger of the spouses’ ages has been misstated, this rider’s fees and benefits will be adjusted to the amounts which would have been calculated for the correct age. However, if this
rider would not have been issued had the age not been misstated, the rider is treated as if it never existed, and any fees charged for this rider would be returned. If withdrawals under the provisions of the rider have already commenced and the
misstatement caused the rider withdrawal amount to be overstated, any withdrawal in excess of the correct rider withdrawal amount will be considered an excess withdrawal and will impact the withdrawal base and rider withdrawal amount. If
overpayments occurred when the sum of the accumulated values in all the investment options was zero, the amount of that overpayment will be deducted from one or more future payments until this amount is paid in full. 

  

					
	RGMB 37 0809 (AJ) (NY) (R0912)	  	(3)	  	(Income/Death-Joint) (09/2012)

 ARTICLE III CONTINUED 
 RIDER WITHDRAWAL AMOUNT 
 The rider withdrawal amount will be equal to the greater of 1) and
2), where: 
  

	1)	is the withdrawal percentage multiplied by the withdrawal base; 

  

	2)	is an amount equal to the minimum required distribution amount, if any. Prior to the 1st rider anniversary, this amount is based on the initial policy value on the
rider date. After this time, the minimum required distribution is calculated based on the rules established by the IRS. The minimum required distribution may only be used 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 rider year. Amounts carried over from past rider 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 rider withdrawal amount. 

If you withdraw less than the rider withdrawal amount in a rider year, the unused portion cannot be carried over to the next rider year. 

WITHDRAWAL BASE 
 The withdrawal base is
used to calculate the rider withdrawal amount. On the rider date, the initial withdrawal base is equal to the policy value (less any premium enhancements if the rider is added in the first policy year). During any rider year, the withdrawal base is
increased by subsequent premium payments (not including premium enhancements, if any), and is reduced for excess withdrawals. 
 On each rider
anniversary, the withdrawal base will be set to the greatest of: 
  

	 	1)	The current withdrawal base; 

  

	 	2)	The policy value on the rider anniversary; 

  

	 	3)	The highest policy value on a rider monthiversary for the current rider year; or 

 

	 	4)	The current withdrawal base immediately prior to rider anniversary processing increased by the growth rate percentage. 

Item 3) above will be zero if there have been any excess withdrawals in the current rider year. Item 4) above will be zero after the 10th rider
anniversary or if there have been any withdrawals in the current rider year. 

  

					
	RGMB 37 0809 (AJ) (NY)	  	(4	  	(Income/Death-Joint) (09/2012)

 ARTICLE III CONTINUED 
 AUTOMATIC STEP-UP FEATURE 
 The rider receives an automatic step-up on the rider anniversary
if the withdrawal base is set equal to the policy value or the highest policy value on a rider monthiversary. This feature does not require the termination of the existing rider. This rider will continue with the same rider date and features. The
rider fee and withdrawal percentages may be changed due to an automatic step-up, but there will be no increase in the rider fee percentage during the first five rider years. Following the fifth rider anniversary, the rider fee percentage may be
increased due to an automatic step-up, but will not increase more than 0.75% from the initial rider fee percentages shown on page 1. 
 You have
the right to reject an automatic step-up within 30 days following a rider anniversary, if the rider fee percentage increases. If you reject an automatic step-up, you must notify us in a manner which is acceptable to us, however you are eligible for
future automatic step-ups. Changes as a result of the automatic step-up feature will be reversed. Any increase in the rider fee or withdrawal percentages will also be reversed. 
 WITHDRAWAL BASE ADJUSTMENTS 
 Gross partial withdrawals, taken in a rider year, less than or
equal to the rider withdrawal amount will not reduce the withdrawal base. Excess withdrawals will reduce the withdrawal base by the withdrawal base adjustment. The withdrawal base adjustment is the greater of 1) and 2), where: 

 

	1)	is the excess withdrawal amount; and 

  

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

  

	 	A)	is the excess withdrawal; 

  

	 	B)	is the withdrawal base prior to the excess withdrawal amount; and 

  

	 	C)	is the policy value after the rider withdrawal amount has been withdrawn, but prior to the withdrawal of the excess withdrawal amount. 

RIDER 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 rider death benefit over the greater of the base policy death benefit or the guaranteed minimum death
benefit, if applicable, and this rider will then terminate. The rider death benefit 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 rider death benefit after the
rider date is equal to the rider death benefit on the rider date plus any premiums (not including premium enhancements, if any) added after the rider date less any rider death benefit adjustments. 

The rider death benefit does not reset due to the automatic step-up. 
 RIDER DEATH BENEFIT ADJUSTMENTS 
 Cumulative gross partial withdrawals, taken in a rider
year, up to the rider withdrawal amount will reduce the rider death benefit by the same amount (dollar for dollar). Excess withdrawals will reduce the rider death benefit by the greater of: 

 

	1)	the excess withdrawal amount; and 

  

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

  

	 	A)	is the excess withdrawal; 

  

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

 

	 	C)	is the rider death benefit after the rider withdrawal amount has been withdrawn, but prior to the excess withdrawal. 

  

					
	RGMB 37 0809 (AJ) (NY)	  	(5	  	(Income/Death-Joint) (09/2012)

 ARTICLE IV 
 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 additional death benefit will be paid under this rider at this time. In the case of spousal
joint owners where one spouse is the annuitant, if the spouse who is the annuitant dies and the surviving spouse is the sole beneficiary, the rider continues until the death of the surviving spouse. 

ANNUITIZATION 
 On the maximum annuity
commencement date, as described in your policy, you will have the option to receive lifetime income payments that are no less than your rider withdrawal amount each year. This option will also guarantee that the sum of all income payments received
over time will equal or exceed the greater of the policy value or the rider death benefit on the maximum annuity commencement date. If the annuitant or annuitant’s spouse should die before the sum of all income payments received equals or
exceeds the greater of the policy value or the rider death benefit on the maximum annuity commencement date, the annuitant’s beneficiary will receive a final payment equal to the difference. 

RIDER UPGRADE 
 You may elect, in
writing, to upgrade the withdrawal base to the policy value within 30 days after the fifth rider anniversary and every fifth rider anniversary thereafter, subject to the issue age restrictions on the new rider. If an upgrade is selected, 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 and rider fee percentages which may not be the same as this rider’s percentages. Other riders
with different features may be chosen, if available by the Company. 
 At the time of upgrade, the rider death benefit will also be upgraded to
the policy value and the rider withdrawal amount will be recalculated based on the new withdrawal base. 
 The new rider date will be the date
the Company receives all information necessary, at our Home Office, in a written form acceptable to the Company, to process the upgrade. 

TERMINATION 
 This rider will terminate
upon the earliest of: 
  

	1)	the date the policy to which this rider is attached terminates; 

  

	2)	the date the policy to which this rider is attached is assigned or if the owner is changed without our approval; 

 

	3)	the later of the annuitant’s or annuitant’s spouse’s death; 

 

	4)	the date you elect to upgrade (as described in Article IV of this rider); 

  

	5)	the date you elect to receive annuity payments under your policy; and 

  

	6)	the date you notify us in writing of your intention to terminate this rider (this date must be within 30 days after the fifth rider anniversary and every fifth rider
anniversary thereafter). 

 Termination of the rider will result in the loss of all benefits provided by the rider. 

Signed for us at our home office. 
  

			
	

	  	

	SECRETARY	  	PRESIDENT

  

					
	RGMB 37 0809 (AJ) (NY)	  	(6	  	(Income/Death-Joint) (09/2012)

 APPENDIX 
 The quarterly fee is calculated as follows: 
 Multiply (1) by (2) divided
by (3) multiplied by (4) where: 
  

	1)	Withdrawal Base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for additional premium payments and excess withdrawals is calculated as follows: 

Multiply (1) by (2) divided by (3) multiplied by (4) where: 

 

	1)	Withdrawal base change (i.e. withdrawal base after the transaction minus the withdrawal base before the transaction) 

 

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total transaction amount 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The fee adjustment for fund transfers is calculated as follows: Multiply (1) by (2) divided by (3) multiplied by (4) where:

  

	1)	Withdrawal base 

  

	2)	Product of each designated allocation group rider fee percentage and the applicable designated allocation group value, summed together; 

 

	3)	Total policy value 

  

	4)	Number of days remaining in the rider quarter divided by the number of days within the applicable rider year 

The following two examples use assumed fees and values listed in the table below. The assumed rider year is not a leap year. 

 

													
	 Designated Allocation Group
	  	Fee	 	 	Initial
Policy Value	 	  	Additional Premium
Used in Example 2	 
	 Group A
	  	 	2.50	% 	 	$	50,000	  	  	$	5,000	  
	 Group B
	  	 	2.40	% 	 	$	30,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	20,000	  	  	$	2,000	  

 Example 1: Calculation at rider issue for first quarter fee assuming an initial withdrawal base of $100,000.

 = 100,000 * [(50,000*0.0250) + (30,000*0.0240) + (20,000*0.0230)] / 100,000 * (91/365) 

= 100,000 * (1,250 + 720 + 460) / 100,000 * (91/365) 
 = 100,000 * 2,430/100,000 * (91/365) 
 = 2,430 * (91/365) 

= $605.84 
 Example 2:
Calculation for first quarter fee assuming initial withdrawal base from Example 1 above, plus adjustment for additional premium payment of $10,000 made with 20 days remaining in the first rider quarter (invested as shown above). The withdrawal
base change and total transaction amount equal $10,000. 
 Fee adjustment as follows: 

= 10,000 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (20/365) 

= 10,000 * (125 + 72 + 46) / 10,000 * (20/365) 
 = 10,000 * 243/10,000 * (20/365) 
 = 243 * (20/365) 

= $13.32 
 Total fee assessed on
first rider quarterversary (assuming no further rider fee adjustments): 
 = 13.32 + 605.84 

= $619.16 

  

					
	RGMB 37 0809 (AJ) (NY)	  	(A-1	  	(Income/Death-Joint) (09/2012)

 The following three examples use assumed fees and values listed in the table below. The assumed rider year
is not a leap year. 
  

																	
	 Designated Allocation Group
	  	Fee	 	 	Policy Value	 	  	Partial Withdrawal
Used in Example 4	 	  	Fund Transfer
Used in Example 5	 
	 Group A
	  	 	2.50	% 	 	$	49,000	  	  	$	-5,000	  	  	$	-5,000	  
	 Group B
	  	 	2.40	% 	 	$	29,000	  	  	$	-3,000	  	  	$	3,000	  
	 Group C
	  	 	2.30	% 	 	$	19,000	  	  	$	-2,000	  	  	$	2,000	  

 Example 3: Calculation for second quarter fee at beginning of second rider quarter, assuming withdrawal base of
$110,000 and policy value of $97,000 invested as above. 
 = 110,000 * [(49,000*0.0250) + (29,000*0.0240) + (19,000*0.0230)]
/ 97,000 * (91/365) 
 = 110,000 * (1,225 + 696 + 437) / 97,000 * (91/365) 

= 110,000 * 2,358/97,000 * (91/365) 
 = 2,674.02 * (91/365) 
 = $666.67 

Example 4: Calculation for second quarter fee assuming beginning values as in Example 3 above, plus adjustment for partial withdrawal of $10,000
taken with 40 days remaining in the second rider quarter. Assumes withdrawal percentage of 4.5%, policy value of $97,000 prior to the transaction and change in withdrawal base as follows: 
 Rider Withdrawal Amount (RWA) = Withdrawal Base * Withdrawal Percentage = 110,000 * .045 = $4,950 

Excess Withdrawal = Difference between assumed withdrawal amount and RWA = 10,000 - 4,950 = $5,050 

Withdrawal Base Adjustment = Max (Excess Withdrawal, Excess Withdrawal * Withdrawal Base prior to withdrawal / Policy Value after RWA has been withdrawn
but before excess withdrawal) = Max [5,050, 5,050 * 110,000 / (97,000-4,950)] = Max (5,050, 6,034.76) = $6,034.76 
 Fee adjustment as follows:

 = -6,034.76 * [(5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 10,000 * (40/365) 

= -6,034.76 * (125 + 72 + 46) / 10,000 * (40/365) 
 = -6,034.76 * 243/10,000 * (40/365) 
 = -146.64 * (40/365) 

= $-16.07 
 Total fee assessed
on second rider quarterversary (assuming no further rider fee adjustments): 
 = 666.67 - 16.07 

= $650.60 
 The new Withdrawal
Base = $110,000 - $6,034.76 = $103,965.24 
 Example 5: Calculation for fund transfer occurring during second quarter with 25 days
remaining in the rider quarter, assuming beginning values as in Example 3 and withdrawal adjustment as in Example 4 above. 
 Withdrawal Base =
$103,965.24 and assumed policy value of $90,000. Fund transfer amount of $5,000 as allocated in table above. 
 Fee adjustment as follows:

 = 103,965.24 * [(-5,000*0.0250) + (3,000*0.0240) + (2,000*0.0230)] / 90,000 * (25/365) 

= 103,965.24 * (-125 + 72 + 46) / 90,000 * (25/365) 
 = 103,965.24 * -7/90,000 * (25/365) 
 = -8.09 * (25/365) 

= $-0.55 
 Total fee assessed on
second rider quarterversary (assuming no further rider fee adjustments): 
 = 650.60 - 0.55 

= $650.05 

  

					
	RGMB 37 0809 (AJ) (NY)	  	(A-2	  	(Income/Death-Joint) (09/2012)

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