Document:

EX-(4).(n)

 THE VARIABLE ANNUITY LIFE INSURANCE COMPANY 

[OPTIONAL] GUARANTEED LIVING BENEFIT ENDORSEMENT 

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

Subject to the terms and conditions set forth herein this [optional] Guaranteed Living Benefit Endorsement provides for guaranteed income over
the lifetime of the [Covered Person(s)]. You may take Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this Endorsement is in effect. 

ENDORSEMENT DATA PAGE 
  

					
	 [COVERED PERSON(S)]:
	  	 [John Doe

Jane Doe]
	  	
			
	 ENDORSEMENT EFFECTIVE DATE:
	  	 [May 1, 2016]
	  	
			
	 PURCHASE PAYMENT DOLLAR LIMIT:
	  	 The sum of all Purchase Payments cannot exceed [$1,000,000] without prior Company approval.
	  	
			
	 [PURCHASE PAYMENT RESTRICTION:
	  	 Purchase Payments received on or after the [[first] Contract Anniversary] will not be accepted into the
Contract.]
	  	
			
	 [INVESTMENT REQUIREMENTS:
	  	 Every Purchase Payment and Continuation Contribution, if any, must be allocated by You in accordance with the investment
options approved by Us, which includes a mandatory allocation of every Purchase Payment and Continuation Contribution, if any, to the Secure Value Account, as shown below. We will notify You of any change to the permitted investment
options.]
	  	
			
	 [SECURE VALUE ACCOUNT ALLOCATION:
	  	 [10%] of Purchase Payment(s) and Spousal Beneficiary Contribution, if applicable]
	  	
			
	 FREQUENCY AND DATES OF INCOME

BASE STEP-UPS:
	  	 [Quarterly,] [on the Benefit [Quarter] Anniversary]
	  	

 ENDORSEMENT FEE: 

The Endorsement Fee is assessed against the [Income Base] and deducted from the Contract Value at the end of each Benefit [Quarter] [starting
[1] Benefit [Quarter(s)] following the Endorsement Effective Date]. [The [Initial] Annual Fee Rate is guaranteed not to change for the [first] Benefit [Year]. After the [first] Benefit [Year], on each Benefit [Quarter Anniversary], we will (1)
deduct the fee in effect for the previous Benefit [Quarter]; and (2) determine the fee rate applicable to the next Benefit [Quarter]. The fee rate can increase or decrease each Benefit [Quarter], subject to the minimums and maximums in the table
below:]
  

													
		 		 	 

	 		 		 		 	 

	
    Number of [Covered    

Persons] on

Endorsement
 Effective
Date
	 	
    [Initial] Annual    

Fee Rate
	 	 	
    Minimum Annual    

Fee Rate
	 	
  Maximum Annual  

Fee Rate
	 	
  Maximum Annualized  

Fee Rate Increase or

  Decrease Each Benefit  

[Quarter]*
	 
	
One [Covered Person]
	 	[1.10%]	 	 	[0.60%]	 	[2.20%]	 	+/-[0.25%]	 
	
Two [Covered Persons]
	 	[1.35%]	 	 	[0.60%]	 	[2.70%]	 	+/-[0.25%]	 
		 		 	 		 		 		 

 [*The fee rate can increase or decrease no more than [0.0625%] each [quarter] [(0.25%/4)].] 

  

					
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	  	1	  	

 MAXIMUM ANNUAL WITHDRAWAL [AND PROTECTED INCOME PAYMENT] PERCENTAGES: 

[If no Withdrawals are taken in the first [5] [Benefit] Year(s) or the [Age] at the first Withdrawal of the
[Covered Person(s)] is [70 or older], the following table will always be used to determine the Maximum Annual Withdrawal and Protected Income Payment Percentages:] 

																	
		 		 		 	 

	 		  		 	 

	 	 	
[Covered
Person(s)]Age at First 

Withdrawal
	 	
Maximum Annual Withdrawal 

Percentage
	 	 	Protected Income Payment Percentage	  	 
	 	 	    [(One Covered    
Person)]	 	 [(Two

    Covered    
Persons)]
	 	 	[(One [or Two
  Covered Person(s))]  	 	
  [ If the Income Base is increased on  
or after Age 65]

[(One or Two Covered Person(s))]
	  	 
		 	 [Less than Age 65]
	 	[5.5%]	 	[5.0%]	 	 	[3.0%]	 	[4.0%]	  	 
		 	 [Age 65 or after]
	 	[6.0%]	 	[5.5%]	 	 	[4.0%]	 	[4.0%]	  	 
		 		 		 		 	 		 		  	 
	 

	 	 If Withdrawals are taken in the first [5] [Benefit] Year(s) and the [Age] at the first Withdrawal of the
[Covered Person(s)] is [less than Age 70], the following table will always be used to determine the Maximum Annual Withdrawal and Protected Income Payment Percentages:
	  		 	

	 	[Covered
Person(s)]Age at First 
Withdrawal	 	Maximum Annual Withdrawal 
Percentage	 	 

	 	Protected Income Payment Percentage	  	 

	 
	 	 	 [(One Covered
Person)]
	 	 [(Two

Covered
Persons)]
	 	 	
[(One [or Two
Covered Person(s))]] 
	 	 [ If the Income Base is
increased on
or after Age 65]
 [(One or Two Covered Person(s))]
	  	 
	 	 [Less than
Age 65]
	 	[5.0%]	 	[4.5%]	 	 	[2.5%]	 	[3.5%]	  	 
	 	 [Age 65 or
after]
	 	[5.5%]	 	[5.0%]	 	 	[3.5%]	 	[3.5%]	  	 
	 		 		 		 	 		 		  	 

  

			
	 [INCOME BASE MAXIMUM:
	  	 The Income Base can be no greater than [200%] of the [Purchase Payments] [reduced [proportionately] for [Excess]
Withdrawals].]

 DEFINITIONS 

For purposes of this Endorsement, the following definitions apply. Terms not defined in this Endorsement
shall have the same meaning as defined in the Contract. 
 AGE 

The attained age as of the [Covered Person’s] last birthday. If there are two [Covered Persons] on the
Endorsement Data Page, the Age of the younger [Covered Person] or in the event of the death of one [Covered Person], the surviving [Covered Person] as of their last birthday. 

[BENEFIT [QUARTER] 

Each consecutive [3-month] period starting on the Endorsement Effective Date.] 

[BENEFIT [QUARTER] ANNIVERSARY 

The date following each consecutive [3-month] period starting on the Endorsement Effective Date. [If the
next Benefit [Quarter] Anniversary has no corresponding date the Benefit [Quarter] Anniversary will be deemed to be the following day.]] 

[BENEFIT [YEAR] 

Each consecutive [one] [year] period starting on the Endorsement Effective Date.] 

[BENEFIT YEAR ANNIVERSARY 

The date on which each Benefit Year begins.] 

[COVERED PERSON(S) 

The person(s) named on the Endorsement Data Page whose lives are used to determine the amount and duration of
Withdrawals. ] 
 ENDORSEMENT EFFECTIVE DATE 

The date when this Endorsement becomes effective as shown on the Endorsement Data Page. 

  

					
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 EXCESS WITHDRAWAL 

Any Withdrawal in a Benefit [Year] taken after the Maximum Annual Withdrawal Amount has been withdrawn and/or any portion of a Withdrawal that
causes the total Withdrawals in a Benefit [Year] to exceed the Maximum Annual Withdrawal Amount. 
 INCOME BASE 

The Income Base is used to determine [the Endorsement Fee,] the Maximum Annual Withdrawal Amount [and the Protected Income Payment]. [The
Income Base Maximum is as shown on the Endorsement Data Page.]
 MAXIMUM ANNUAL WITHDRAWAL AMOUNT 

The maximum amount that may be withdrawn each Benefit [Year] while [the Contract Value is greater than zero and] the [Covered Person(s)] is
living, without reducing the Income Base. 
 MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE 

The percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual Withdrawal Amount available for Withdrawal each
Benefit [Year] while [the Contract Value is greater than zero and] the [Covered Person(s)] is living. 
 [PROTECTED INCOME PAYMENT

 The amount to be paid each [year] over the remaining lifetime of the [Covered Person(s)] after the Contract Value is reduced to zero
but the Income Base is still greater than zero.]
 [PROTECTED INCOME PAYMENT PERCENTAGE 

The percentage, as referenced on the Endorsement Data Page, used to determine the Protected Income Payment.] 

STEP-UP VALUE 
 A value
used to determine the Income Base that is equal to the current Contract Value if it is greater than the current Income Base. This value is determined based on the Frequency and Dates of Income Base Step-ups, as shown on the Endorsement Data Page.

 YOU, YOUR 
 The
[Covered Person(s)] under this Endorsement. 
 GUARANTEED LIVING BENEFIT PROVISIONS 

The Guaranteed Living Benefit described in this Endorsement provides for guaranteed Withdrawals over the lifetime of the [Covered Person(s)],
subject to the following provisions: 
 Calculation of the Factors of the Guaranteed Living Benefit 

To determine the Guaranteed Living Benefit, We use the following factors: Income Base, Maximum Annual Withdrawal Amount, Maximum Annual
Withdrawal Percentage[, Protected Income Payment and Protected Income Payment Percentage]. These factors are not used in the calculation of the Contract Value or any other benefits under the Contract. 

Withdrawals taken under this Living Benefit are treated like any other Withdrawal under the Contract for purposes of calculating Contract
Value, including any fees and charges applicable to such Withdrawals and any other benefits under the Contract. In any Benefit [Year], Withdrawals up to Maximum Annual Withdrawal Amount are free of Withdrawal Charges. 

Calculation of the Income Base 

The initial Income Base is equal to the initial Purchase Payment. 

Thereafter, if no Withdrawals have been taken, the Income Base is increased to the Step-up Value, based on the Frequency and
Dates of Income Base Step-ups. 
 After the first Withdrawal has been taken, the Income Base is increased only on the Benefit
[Year] Anniversary looking back to the Step-up Value based on the Frequency and Dates of Income Base Step-ups since the first Withdrawal (“first look-back”). 

After the first look-back, the Income Base is increased only on the Benefit [Year] Anniversary looking back to the Step-up Value
based on the Frequency and Dates of Income Base Step-ups since the last Benefit [Year] Anniversary. Thereafter, the Income Base will continue to be determined on each Benefit [Year] Anniversary while this Endorsement is in effect and both the
Contract Value and Income Base are greater than zero. 

  

					
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 Calculation of the Maximum Annual Withdrawal Amount 

The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum Annual Withdrawal Percentage as shown on the
Endorsement Data Page [,which is determined by the timing and Your Age at the time You first take a Withdrawal from Your Contract and the number of [Covered Person(s)] shown on the Endorsement Data Page]. 

Withdrawals during a Benefit [Year] that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Maximum
Annual Withdrawal Amount and the Income Base. If You choose to take less than the Maximum Annual Withdrawal Amount in any Benefit [Year], You may not carry over the unused amount for withdrawal in subsequent Benefit [Years]. Your Maximum
Annual Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount in the prior [Benefit Year].

[Calculation of the Protected Income Payment 

If the Contract Value is reduced to zero due to unfavorable investment performance, Withdrawal up to the Maximum Annual Withdrawal Amount, or
any combination of these factors, but the Income Base is still greater than zero, You may be eligible to receive the Protected Income Payment. The Protected Income Payment is calculated by multiplying the Income Base by the applicable
[Protected Income Payment Percentage], [which is determined by Your Age at the time You first take a Withdrawal from Your Contract], [as shown on the Endorsement Data Page]. You will receive the Protected Income Payment each year for the
remaining lifetime of the [Covered Person(s)].] 
 Increases and Decreases in the Income Base and the Impact to Your Maximum Annual
Withdrawal Amount 
 Increases in the Income Base 

The Income Base is increased as a result of a Step-up Value being achieved resulting in the Income Base being stepped up on[: (1) the Frequency
and Dates of Income Base Step-ups prior to taking any Withdrawals, or (2) a Benefit [Year] Anniversary after Withdrawals have been taken]. The Income Base is also increased when a Purchase Payment is allocated to Your Contract [subject to the
Purchase Payment Restriction shown on the Endorsement Data Page]; consequently, any remaining Withdrawals of the Maximum Annual Withdrawal Amount will be based on the increased Maximum Annual Withdrawal Amount reduced by Withdrawals previously taken
in that Benefit [Year]. When the Income Base is increased as referenced [in (1) and (2)] above, the Maximum Annual Withdrawal Amount will be recalculated by multiplying the increased Income Base by the applicable Maximum Annual Withdrawal
Percentage. [The Endorsement Fee will be assessed on the increased Income Base.] 
 Decreases in the Income Base 

Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any [Excess] Withdrawal in a Benefit [Year] reduces
the Income Base in the same proportion by which the Contract Value is reduced by the [Excess] Withdrawal. As a result of a reduction of the Income Base, the Maximum Annual Withdrawal Amount will also be reduced. The new Maximum Annual
Withdrawal Amount will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit [Year] is available for Withdrawal at the
beginning of the next Benefit [Year] and may be lower than the previous Benefit [Year’s] Maximum Annual Withdrawal Amount. When the Contract Value is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which
is greater than the amount of the Excess Withdrawal. 
 The Income Base is a factor used to determine the Maximum Annual Withdrawal
Amount [and Protected Income Payment] [as well as the Endorsement Fee]. The Income Base is not an amount that You can withdraw. Excess Withdrawals may reduce future benefits by more than the dollar amount of the Withdrawal. If You have any questions
regarding whether a potential Withdrawal would be an Excess Withdrawal, please call Our Annuity Service Center. 
 Required Minimum
Distributions (RMD) 
 This provision applies only to the Contract to which this Endorsement is attached. If you are taking RMD
and the RMD amount, based only on this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit [Year], no portion of the RMD will be treated as an Excess Withdrawal provided you enroll in the Company’s systematic
withdrawal program for RMD. However, any portion of a Withdrawal in a Benefit [Year] that is more than the greater of both the Maximum Annual Withdrawal Amount and the RMD amount will be considered an Excess Withdrawal for the purpose of the
recalculation of the Income Base and Maximum Annual Withdrawal Amount. 
 If Your Contract Value is Reduced to Zero 

If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will be payable under this Endorsement or the
Contract, and Your Contract along with the Endorsement will terminate. However, if Your Contract Value is reduced to zero due to unfavorable investment performance and/or fees, Withdrawal(s) up to the Maximum Annual Withdrawal Amount (or if
applicable, the RMD amount as described above) or any combination of these factors, and the Income Base is greater than zero, We will pay the remaining Maximum Annual Withdrawal Amount for that Benefit [Year]

  

					
	 VE-8036 (11/15)
	  	4	  	

 
in the same frequency withdrawals had been taken, i.e. monthly or quarterly. Thereafter, we will pay the [Protected Income Payment] over the remaining lifetime of the [Covered Person(s)]
which will be calculated by multiplying the Income Base by the[ Protected Income Payment Percentage][, as shown on the Endorsement Data Page]. 

Because the Contract Value has been reduced to zero, the Income Base will no longer be increased to a Step-up Value. In addition, all other
benefits under the Contract [with the exception of payment of the [Protected Income Payment],] will be terminated and You may no longer make subsequent Purchase Payments or transfers, and no Death Benefit is payable. 

When the Contract Value equals zero and the Income Base is greater than zero, to receive any remaining Living Benefit, you must select one of
the following payment options: 
  

	 	 1.
	 The [Protected Income Payment], divided equally and paid on a [monthly, quarterly, semi-annual or annual]
frequency as selected by You until the date of Your death(s); or 

  

	 	 2.
	 Any payment option mutually agreeable between You and Us. 

Once You select a payment option, it cannot be changed. If You do not select a payment option above, the remaining benefit will be paid
as an amount based on the [Protected Income Payment Percentage]. This amount will be divided equally and paid on a [quarterly] basis until the date of death of the [Covered Person(s)]. 

Latest Annuity Date 
 If
the Contract Value and the Income Base are greater than zero on the Latest Annuity Date, You must select one of the following options: 
  

	 	 1.
	 Annuitize the Contract Value under the Annuity Provisions of the Contract; or 

 

	 	 2.
	 Annuitize the Contract and elect to receive the [current Maximum Annual Withdrawal Amount] as of the Latest
Annuity Date for a fixed period while You are alive. The fixed period is determined by dividing the contract value on the Latest Annuity Date by the [Maximum Annual Withdrawal Amount]. Any applicable premium taxes will be deducted from the Contract
Value prior to determining the fixed period. After that fixed period ends, you will receive the [Protected Income Payment,] as of the Latest Annuity Date, divided equally and paid on a [monthly, quarterly, semi-annual or annual] frequency as
selected by You until the date of death of the [Covered Person(s)]; or 

  

	 	 3.
	 Any payment option mutually agreeable between You and Us. 

If You do not select an option listed above, on the Latest Annuity Date, We may annuitize the Contract Value in accordance with Option 2
above, divided equally and paid on a [quarterly] frequency until the date of death of the [Covered Person(s)]. 
 [Secure Value Account
Allocation(s) 
 Secure Value Account Allocation(s) is/are required only while the Endorsement is effective. Amounts allocated to
the Secure Value Account(s) are not subject to the Separate Account Charge. Amounts allocated to the Secure Value Account(s) may not be transferred to any other investment option as long as the Endorsement is effective and We will not rebalance
amounts allocated to the Secure Value Account(s) in accordance with the automatic asset rebalancing program. You may not transfer into or out of the Secure Value Account(s). You may not request the entire amount of any Withdrawal to be
deducted solely from the Secure Value Account(s). Rather, any Withdrawal reduces the amount invested in the Secure Value Account(s) in the same proportion that the Withdrawal reduces the Contract Value.] 

[Investment Requirements 

In addition to the Secure Value Account Allocation, while the Endorsement is effective, We require that you allocate your Purchase Payment(s)
and Spousal Continuation Contribution, if applicable, and Contract Value in accordance with established requirements stated in the Prospectus. We require enrollment in a [quarterly] automatic asset rebalancing program that complies with the
investment requirements. In addition to [quarterly] asset rebalancing, We will initiate rebalancing in accordance with your most current and compliant automatic asset rebalancing instructions on file after any Withdrawal or transfer You
initiate.] 
 Misstatement of Age or Sex 

The Misstatement of Age or Sex provision included in Your Contract shall apply to the [Covered Person(s)] under this Endorsement and may impact
the Maximum Annual Withdrawal Amount. 

  

					
	 VE-8036 (11/15)
	  	5	  	

 Termination of Withdrawals Over Two Lives 

If there are two [Covered Persons] on the Endorsement Effective Date, Withdrawals guaranteed for the life of one of the [Covered Persons] will
terminate if: 
  

	 	 1.
	 One of the two [Covered Persons] is removed from the Endorsement due to any reason other than death; or

  

	 	 2.
	 The [Covered Persons] are no longer married at the time of death of the first [Covered Person].

 Termination of Withdrawals guaranteed for the life of one [Covered Person] does not impact any other terms and
conditions of this Endorsement, including the applicable Endorsement Fee, which is based on the number of [Covered Persons] on this Endorsement Effective Date. 

Cancellation of the Guaranteed Living Benefit 

[You may cancel this Endorsement in the first [5] Benefit [Years] as detailed below. The Guaranteed Living Benefit may not be re-elected
or reinstated after a cancellation. 
 Cancellation Effective Date 

If Your cancellation request is received: 

1.      In the first [5] Benefit [Year(s)], the cancellation is effective on the [5th] Benefit [Year Anniversary;] 
 2.      In
any Benefit [Year] after the [5th] Benefit [Year] Anniversary, the cancellation is effective [on the Benefit [Quarter] Anniversary] following Our receipt of the cancellation request.] 

Termination of the Guaranteed Living Benefit 

This Endorsement and the Endorsement Fee will terminate automatically upon the occurrence of one of the following: 

 

	 	 1.
	 Death of the [Covered Person], or if there were two [Covered Persons], upon the death of the surviving
[Covered Person]; or 

	 	 2.
	 A Death Benefit is paid resulting in the Contract being terminated; or 

	 	 3.
	 The Contract is annuitized; or 

	 	 4.
	 An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or 

	 	 5.
	 Any change occurs that removes one or all [Covered Persons] from the Contract except as noted above under
“Termination of Withdrawals Over Two Lives”; or 

	 	 6.
	 The Contract is cancelled or surrendered for any reason; or 

	 	 7.
	 Assignment of any Contract Owner rights under this Endorsement to a third party[; or 

	 	 8.
	 You elect to cancel this Endorsement]. 

On the [termination effective date], amounts allocated to the Secure Value Account will be automatically transferred to a [1-Year Fixed
Account option, if available, or a money market or similar portfolio]. Purchase Payments may no longer be allocated to the Secure Value Account after [termination]. From the day following the automated transfer, you may transfer this amount to
another available investment option under the Contract for a period of [90] [days] during which the transfer will not count against the annual number of free transfers or incur a transfer fee. 

If [this Endorsement is terminated or if] You surrender Your Contract while Your Contract Value is greater than zero, We will assess a
pro-rata charge for the Endorsement Fee applicable to the Benefit [Quarter] in which the [termination or] surrender occurs if the Contract was [terminated or] surrendered before the end of a Benefit [Quarter]. The pro-rated charge is calculated
by multiplying the fee by the number of days between the date when the prior fee was last assessed and the date of [termination or] surrender, divided by the number of days between the prior and the next Benefit [Quarter] Anniversaries. Thereafter,
You will no longer be charged an Endorsement Fee. 
 Death of [Covered Person(s)] 

If there is one [Covered Person] and that person dies, this Endorsement and the Endorsement Fee will be terminated. 

If there are two [Covered Persons], upon the first death, if the surviving [Covered Person] is eligible and elects to continue the Contract,
this Endorsement is also continued. Upon the election of continuation, the Endorsement Effective Date, the applicable Endorsement Fee, and the Maximum Annual Withdrawal [and Protected Income Payment] Percentages based on two [Covered Persons]
will not change. 

  

					
	 VE-8036 (11/15)
	  	6	  	

 Signed for the Company to be effective on the Endorsement Effective Date. 

THE VARIABLE ANNUITY LIFE INSURANCE COMPANY 
 

 
 Copyright © 2016 American International Group,
Inc. All rights reserved 

  

					
	 VE-8036 (11/15)
	  	7EX-(4)(t)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT MAXIMUM ANNIVERSARY VALUE 

EXTENSION ENDORSEMENT 

Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this Endorsement becomes a part of the
Contract to which it is attached. Should any provision in this Endorsement conflict with the Contract, the provisions of this Endorsement will prevail. This Endorsement replaces your most recent Optional Guaranteed Minimum Withdrawal Benefit Maximum
Anniversary Value Endorsement. 
 Subject to the terms and conditions set forth herein, this optional Endorsement provides a Guaranteed
Minimum Withdrawal Benefit (“GMWB”) that guarantees an amount available for Withdrawal not to exceed a maximum annual dollar amount to be distributed over a specified number of years or over Your lifetime, even if the Contract Value has
been reduced to zero due to unfavorable investment performance. 
 EFFECTIVE DATE (Original Effective Date):
[date] 
 EXTENSION EFFECTIVE DATE: [date] 

DEFINITIONS 
 For purposes
of this Endorsement, the following definitions apply. Terms not defined in this Endorsement shall have the same meaning given to them in the Contract. 

ANNIVERSARY VALUE 
 The Contract Value
minus any Ineligible Purchase Payments as measured one year from the Effective Date and on subsequent Contract anniversaries. 
 BENEFIT BASE 

A component of the calculation of the GMWB, which is used to determine the total amount of guaranteed Withdrawals, the Minimum Withdrawal
Period, the GMWB Charge, and the Maximum Annual Withdrawal Amount. 
 BENEFIT BASE EVALUATION PERIOD 

The period of time over which Anniversary Values are considered in determining the Benefit Base. 

BENEFIT YEAR 
 Each consecutive one year
period starting on the Effective Date. 
 EFFECTIVE DATE 

The date shown above when the original Endorsement became effective. 

ELIGIBLE PURCHASE PAYMENTS 
 The Purchase
Payments or portion thereof that are included in the calculation of the Benefit Base. 
 EXCESS WITHDRAWAL 

The portion of any Withdrawal that makes the total of all Withdrawals in a Benefit Year exceed the Maximum Annual Withdrawal Amount in that
Benefit Year. 
 EXTENSION EFFECTIVE DATE 
 The date
shown above when this Endorsement becomes effective. 
 INELIGIBLE PURCHASE PAYMENTS 

Purchase Payments that are not included in the calculation of the Benefit Base. 

LIFETIME WITHDRAWAL PERIOD 
 The period of time, if
conditions are met, over which You may take Withdrawals for the length of Your Life. 
 MAXIMUM ANNUAL WITHDRAWAL AMOUNT (“MAWA”) 

The maximum amount available to be withdrawn each Benefit Year under the GMWB. 

For Inquiries Call 1-800-445-7862 

  

			
	ASE-6217E (8/13)	  	1

 MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE (“MAWP”) 

The maximum percentage used to determine the maximum amount available to be withdrawn each Benefit Year under the GMWB. 

MINIMUM WITHDRAWAL PERIOD (“MWP”) 

The minimum period of time over which You may take Withdrawals under the GMWB if Withdrawals are not taken under the Lifetime Withdrawal
Period. 
 SPOUSAL BENEFICIARY 
 Your
spouse, if designated as Your primary Beneficiary on the date of Your death, who elects to continue the Contract as the new Owner or Participant (“Owner”) upon Your death. 

WITHDRAWAL 
 The amount of any full or
partial surrender of Contract Value and any fees or charges attributable to the surrendered amount. 
 YOU, YOUR 

The Owner. In the case of Joint Owners, the older of the two Joint Owners. 

GUARANTEED MINIMUM WITHDRAWAL BENEFIT MAXIMUM ANNIVERSARY VALUE PROVISIONS 

This Endorsement provides a GMWB subject to the terms and conditions described herein. 

GMWB Charge 
 The GMWB charge is an
annualized charge deducted from Your Contract Value on a quarterly basis beginning one quarter following the Extension Effective Date and ending on the termination of this Endorsement. 

The amount of the GMWB charge will equal: 
  

			
	Annual Charge Percentage	  	As a Percentage of
	 [0.90%]
	  	Benefit Base

 Benefit Base Evaluation Period 

The Benefit Base Evaluation Period applicable to this Endorsement begins on the Extension Effective Date and extends for [10] Benefit Year
anniversaries. 
 Calculation of the Components of the GMWB 

The GMWB is available for Withdrawal at any time while this Endorsement is in effect and prior to any termination of the GMWB. The amount of
Withdrawals and time period over which You can take Withdrawals under the GMWB may change over time as a result of Withdrawal activity or Benefit Base increase. Withdrawals made under this Endorsement are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, Withdrawal Charges, and any other benefits under the Contract. Withdrawals in excess of the Penalty Free Withdrawal amount will be assessed a Withdrawal Charge, if applicable. We reserve the right
to limit the investment options available under Your Contract if You elect the GMWB. 
 To determine the GMWB, We calculate each of the
following components: Benefit Base and MAWA. The calculations for each component are detailed below. 
 Benefit Base 

The initial Benefit Base is equal to the initial Eligible Purchase Payment. 

The table below defines the Eligible Purchase Payments that increase the Benefit Base, as determined by the time elapsed between the Effective
Date and the day on which Purchase Payments are received by Us and deposited into Your Contract. Payment Enhancements, if applicable, are not considered Eligible Purchase Payments. 

  

			
	 ASE-6217E (8/13)
	  	 2

			
	    Time Elapsed Since Effective Date      	  	Percentage Included in the Benefit Base 
Calculation
	 0-2 Years
	  	100%

 On any Benefit Year anniversary occurring during the Benefit Base Evaluation Period, the Benefit Base is
automatically increased to the Anniversary Value when the Anniversary Value is greater than (a) and (b), where: 

	 	(a)  is	 the current Benefit Base; and 

	 	(b)  is	 all previous Anniversary Values during any Benefit Base Evaluation Period. 

The Benefit Base is not used in the calculation of Contract Value or any other benefits under the Contract. We reserve the right to limit the
Eligible Purchase Payments to a maximum of [$1,500,000]. 
 Maximum Annual Withdrawal Amount (“MAWA”) 

The MAWA is an amount calculated as a percentage of the Benefit Base. The applicable Maximum Annual Withdrawal Percentage (“MAWP”)
used to calculate the MAWA is determined by when the first Withdrawal is made by You, as specified in the tables below. 
  

			
	 Time of First

Withdrawal
	 	
Maximum Annual
 Withdrawal

Percentage when

Extension is Elected

	 Before
5th Benefit Year anniversary
	 	5%
	 On or after 5th Benefit Year anniversary
	 	7%
	 On or after [10th ] Benefit Year anniversary
	 	[7%]
	 On or after [20th ] Benefit Year anniversary
	 	[10%]
	 On or after Your [65th ] birthday
	 	[5%]*

 *Excess Withdrawals at any time and ownership changes impacting You will cancel the Lifetime Withdrawal
Period. All future Withdrawals provided by this Endorsement will then be subject to the Minimum Withdrawal Period based on when the first Withdrawal is taken and adjusted based on Withdrawal history and investment performance (see item 3 under
Impact of Withdrawals section). If Withdrawals are taken prior to Your 65th birthday, the Lifetime Withdrawal is not available. 

If you are taking required minimum distributions (“RMD”) from the Contract, and the portion of the RMD amount based on Contract
Value, only, is greater than the Maximum Annual Withdrawal Amount, that portion of the RMD withdrawal will not be treated as an Excess Withdrawal. Any portion of an RMD withdrawal that is based on amounts greater than the Contract Value
alone will be considered an Excess Withdrawal. This will result in the cancellation of the Lifetime Withdrawal Period and further may reduce your remaining Minimum Withdrawal Period. 

The MAWA can be withdrawn throughout each Benefit Year. If You do not withdraw the entire MAWA in a Benefit Year, You will maintain Your
Minimum Withdrawal Period, but the MAWA will not increase. Excess Withdrawals in any Benefit Year may reduce Your future MAWA. See Impact of Withdrawals section below. 

If the Benefit Base is increased to the Anniversary Value, the MAWA will be recalculated on that Benefit Year anniversary, by multiplying the
new Benefit Base by the applicable MAWP. 
 Impact of Withdrawals 

Withdrawals reduce the amount available for Withdrawal under the GMWB. Total Withdrawals in any Benefit Year equal to or less than the MAWA
reduce the Benefit Base by the amount of the Withdrawal. Once Withdrawals in a Benefit Year exceed the MAWA, all subsequent Withdrawals in that Benefit Year are Excess Withdrawals. Excess Withdrawals may reduce the Benefit Base based on the relative
size of the Withdrawal in relation to the Contract Value at the time of the Excess Withdrawal. This means that when the Contract Value is less than the Benefit Base, Excess Withdrawals will result in a reduction of the Benefit Base which is greater
than the amount of the Excess Withdrawal. We further explain this impact and the effect on each component of the GMWB through the calculations below: 

  

			
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 Withdrawals impact Contract Value and the components of the GMWB calculation as follows: 

 

	 	1.	 Contract Value: Any Withdrawal reduces the Contract Value by the amount of the Withdrawal. 

 

	 	2.	 Benefit Base: Withdrawals up to the MAWA, before any Excess Withdrawal, reduce the Benefit Base by the dollar amount of the Withdrawal.

 Any Excess Withdrawal further reduces the Benefit Base to the lesser of (a) or (b), where: 

	 	(a)  	 is the Benefit Base immediately prior to the Excess Withdrawal minus the amount of the Excess Withdrawal, or; 

	 	(b)  	 is the Benefit Base immediately prior to the Excess Withdrawal reduced in the same proportion by which the Contract Value is reduced by the Excess
Withdrawal. 

 3. Minimum Withdrawal Period: If the total of all Withdrawals in a Benefit Year are
less than or equal to the MAWA, the new MWP equals the Benefit Base after the Withdrawal divided by the current MAWA. When the Benefit Base is adjusted to a higher Anniversary Value, a new MWP is determined by dividing the new Benefit Base by the
new MAWA. 
 If there is an Excess Withdrawal in a Benefit Year, the new MWP equals the MWP calculated at the end of the
prior Benefit Year reduced by one year. An Excess Withdrawal in a Benefit Year will cancel the Lifetime Withdrawal Period and the new MWP will be determined by dividing the new Benefit Base by the new MAWA. 

4. Maximum Annual Withdrawal Amount: If there are no Excess Withdrawals in a Benefit Year, the MAWA does not change for
the next Benefit Year, unless the Benefit Base is increased as described above under “Benefit Base.” 
 If there
are any Excess Withdrawals in a Benefit Year, the MAWA will be recalculated on the next Benefit Year anniversary. The new MAWA will equal the new Benefit Base on that Benefit Year anniversary after the Withdrawal divided by the new Minimum
Withdrawal Period on that Benefit Year anniversary. The new MAWA may be lower than Your previously calculated MAWA. 
 If Your Contract Value is Reduced
to Zero 
 If Your Contract Value is reduced to zero and the Benefit Base is greater than zero, subsequent Purchase Payments will no
longer be accepted and a Death Benefit will not be payable. You can receive the remaining value of the GMWB under one of the following options: 
  

	 	a.	 A lump sum equal to the discounted present value of any remaining guaranteed payments under the GMWB; or, 

	 	b.	 Periodic payments during each Benefit Year that in total are equal to the MAWA until the MWP (or LWP, if eligible) has been reduced to zero. If You
do not select a specific frequency for these payments, We will pay the current MAWA in quarterly payments; or, 

	 	c.	 Any payment option that is mutually agreeable. 

Extension of the Benefit Base Evaluation Period (“Extension”) 

We may offer You Extension of the Benefit Base Evaluation Period at the end of the current Benefit Base Evaluation Period, provided the Owner
is age 85 or younger at that time. If You elect such Extension, you will receive a new endorsement with the charges and provisions in effect at that time. 

Termination of the GMWB 
 Once elected,
this GMWB Endorsement and its corresponding charge may be terminated by the Owner. If the Owner’s request to terminate the GMWB is received: 

	 	1.	 prior to the [10th ] Benefit Year anniversary, the termination is effective on the [10th ] Benefit Year anniversary; 

	 	2.	 in any Benefit Year after the [10th ]Benefit Year anniversary, the termination is effective on
the Benefit Year anniversary following Our receipt of the election to terminate the GMWB. 

 This Endorsement and the
related charge will terminate automatically if: 

	 	1.	         The Minimum Withdrawal Period has been reduced to zero, or for the Lifetime Withdrawal Period, You
die; or, 

	 	2.	         A Spousal Beneficiary elects to continue the Contract without this Endorsement; or,

  

			
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	 	3.	 A Death Benefit is paid (as described under the Death Provisions or Death Benefit section of Your Contract); or, 

	 	4.	 The Contract is fully withdrawn or surrendered; or, 

	 	5.	 The Contract is annuitized. 

We reserve the right to terminate this GMWB Endorsement if Withdrawals in excess of the MAWA in any Benefit Year reduce the Benefit Base by
[50%] or more. 
 If terminated, the GWMB may not be re-elected. 

Spousal Continuation 
 Upon election to
continue the Contract and this Endorsement, Your Spousal Beneficiary will be subject to the terms and conditions of this Endorsement. Upon Your death, the Lifetime Withdrawal Period ends and is not available to Your Spousal Beneficiary. The
Effective Date and Extension Effective Date will not change as the result of Spousal Continuation. A continuation contribution paid under the Spousal Continuation provision of the Contract is not considered an Eligible Purchase Payment, but is
included in the calculation of Anniversary Values if the spouse continues the Benefit Base Evaluation Period. 
 Signed for the Company to
be effective on the Extension Effective Date. 
  
 

 

  

			
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