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             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                       ENHANCED DEATH BENEFIT "EDB" RIDER

OVERVIEW: This Enhanced Death Benefit Rider ("Rider") is an optional rider the
Owner has selected. It provides a Death Benefit, which guarantees [5%] growth
and provides a guarantee that increases if the Accumulated Value reaches certain
values.

APPLICABILITY: This Rider is made a part of the contract to which it is attached
and is effective on the issue date.

DEFINITION(S): Current Breakthrough Value: On the issue date, it is equal to the
Initial Payment. The Current Breakthrough Value increases each time the
Accumulated Value grows to an amount equal to or greater than the Target
Breakthrough Value. Immediately after such growth in the Accumulated Value, the
Current Breakthrough Value will be equal to the Target Breakthrough Value
immediately prior to such growth. This value is increased by subsequent Payments
and proportionately reduced by subsequent withdrawals (see Payments and
Withdrawals, below).

Target Breakthrough Value: It is equal to [110%] of the Current Breakthrough
Value.

BENEFIT: The "Death Benefit" section of the "DEATH BENEFIT" provision is
replaced by the following:

I.   If an Owner, or an Annuitant if the Owner is a non-natural person, dies
     before the Annuity Date and before or on his/her [80th] birthday, the Death
     Benefit will be the greatest of:

     (a)  the Accumulated Value on the date on which both the death certificate
          and all necessary claim paperwork, as determined by the Company, have
          been received at the Principal Office, increased for any positive
          Market Value Adjustment ("MVA"), if applicable;

     (b)  gross payments accumulated daily at an effective annual yield of [5%],
          starting on the Effective Valuation Date of each gross payment and
          ending on the date of death, proportionately reduced for withdrawals
          as they occur; and

     (c)  the Current Breakthrough Value on the date of death, increased for
          subsequent Payments, and proportionately reduced for subsequent
          withdrawals.

II.  If an Owner, or an Annuitant if the Owner is a non-natural person, dies
     before the Annuity Date and after his/her [80th] birthday, but before
     his/her [90th] birthday, the Death Benefit will be the greatest of:

     (a)  the Accumulated Value on the date on which both the death certificate
          and all necessary claim paperwork, as determined by the Company, have
          been received at the Principal Office, increased for any positive MVA,
          if applicable;

     (b)  the value as determined by Section I(b) above on the deceased's [80th]
          birthday, increased for subsequent Payments, and proportionately
          reduced for subsequent withdrawals; and

     (c)  the Current Breakthrough Value on the date of death, increased for
          subsequent Payments, and proportionately reduced for subsequent
          withdrawals.

III. If an Owner, or an Annuitant if the Owner is a non-natural person, dies
     before the Annuity Date, but on or after his/her [90th] birthday, the Death
     Benefit will be the greatest of:

(a)               the Accumulated Value on the date on which both the death
                  certificate and all necessary claim paperwork, as determined
                  by the Company, have been received at the Principal Office,
                  increased for any positive MVA, if applicable;

FORM 3317-02                                                             BADB-E1
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     (b)  the value as determined by Section I(b) above on the deceased's [80th]
          birthday, increased for subsequent Payments, and proportionately
          reduced for subsequent withdrawals;

     (c)  the Current Breakthrough Value on the deceased's [90th] birthday,
          increased for subsequent Payments, and proportionately reduced for
          subsequent withdrawals; and

     (d)  the Accumulated Value, increased for any positive MVA, if applicable,
          on the deceased's [90th ] birthday, increased for subsequent Payments,
          and proportionately reduced for subsequent withdrawals.

PAYMENTS AND WITHDRAWALS:

I.   When a Payment is made, on the Effective Valuation Date of the Payment:

     (a)  the Current Breakthrough Value will increase by an amount equal to the
          Payment, and

     (b)  the Target Breakthrough Value will increase to an amount equal to
          [110%] of the Current Breakthrough Value immediately after such
          Payment.

II.  When a withdrawal is taken, on the Effective Valuation Date of the
     withdrawal:

     (a)  the Current Breakthrough Value will be proportionately reduced, and

     (b)  the Target Breakthrough Value will decrease to an amount equal to
          [110%] of the Current Breakthrough Value immediately after such
          withdrawal.

PROPORTIONATE REDUCTION: Sections I(b), I(c), II(b), II(c), III(b), III(c) and
III(d) of the "Benefit" provision and Section II(a) of the "Payments and
Withdrawals" provision are proportionately reduced by withdrawals. This
proportionate reduction is calculated by multiplying the Section I(b), I(c),
II(b), II(c), III(b), III(c) or III(d) value or the Current Breakthrough Value,
whichever is applicable, determined immediately prior to the withdrawal by the
following:

                            Amount of the withdrawal
                            ------------------------
                    Accumulated Value determined immediately
                             prior to the withdrawal

CHARGE FOR BENEFIT: [While this Rider is in effect, the Company will assess an
EDB Charge equal to an annual percentage rate of .40% on a contract monthly
basis. On the last day of each contract month, the monthly charge is deducted
Pro Rata and is equal to 1/12th of the EDB Charge multiplied by the Accumulated
Value of the contract on that date.] The EDB Charge only applies during the
Accumulation Phase.

FORM 3317-02                           2                                 BADB-E1
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TERMINATION: This Rider will terminate on the earliest of the following:

     (a)  the Annuity Date;

     (b)  the date the Company determines a Death Benefit is payable and the
          contract is not continued under a spousal takeover; or

     (c)  surrender of the contract.

                    Signed for the Company at Dover, Delaware

            /s/ Mark A. Hug                            /s/ Charles F. Cronin

               President                                     Secretary

FORM 3317-02                           3                                 BADB-E1<Page>

             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                                 DISCOUNT RIDER

OVERVIEW: This Rider reduces total rider charges when both the Enhanced Earnings
Rider (EER) and an Enhanced Death Benefit Rider (EDB) are in effect.

APPLICABILITY: This Rider is made a part of the contract to which it is attached
and is effective on the issue date.

DISCOUNT: If both the Enhanced Earnings Rider (EER) and an Enhanced Death
Benefit Rider (EDB) are in effect, total rider charges will be reduced on a
contract monthly basis by an amount equal to 1/12th of an annual percentage rate
of [.05%] times the Accumulated Value of the contract on that date. The discount
shall only apply while both the EER Rider and an EDB Rider are in effect.

TERMINATION: This Rider will terminate on the earliest of the following:

     (a)  when either the EER Rider or EDB Rider terminates; or

     (b)  surrender of the contract.

                    Signed for the Company at Dover, Delaware

          /s/ Mark A. Hug                       /s/ Charles F. Cronin

             President                                Secretary

FORM 3319-02                                                              BADB-F<Page>

             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                             ENHANCED EARNINGS RIDER

APPLICABILITY: This Rider is made a part of the contract to which it is attached
and is effective on the contract issue date.

Except as otherwise provided under this Rider, prior to the Annuity Date, when a
death benefit1 is payable, a benefit will be payable under this Rider.

BENEFIT: The Enhanced Earnings Rider ("EER" or "Rider") benefit is equal to the
lesser of:

1.   [80%] of gross payments not previously withdrawn. For purposes of this
     calculation only, except for the Initial Payment, gross payments shall not
     include payments made under the contract during the 12-month period
     immediately prior to the date of death. OR
2.   [40%] of the difference between the Accumulated Value and gross payments
     not previously withdrawn. Accumulated Value is determined on the date on
     which both the death certificate and all necessary claim paperwork have
     been received at the Principal Office.

For purposes of this Rider withdrawals will be considered withdrawn from
earnings first and then withdrawn from gross payments on a last-in, first-out
basis.

PAYMENT OF BENEFIT: The EER benefit will be paid in the same manner and at the
same time that the death benefit (prior to the Annuity Date) is paid under the
contract to which this Rider is attached. If the death benefit (prior to the
Annuity Date) is deferred under provision (a) or (b) of the Payment of the Death
Benefit before the Annuity Date2 section of the contract, or if the sole
beneficiary continues the contract, the EER benefit will be added to the [Money
Market Sub-Account], and the Rider will terminate (see Termination provision,
below).

CHARGE: [The Company will assess a monthly rider charge which will be deducted
Pro Rata on the last day of each contract month. The monthly rider charge will
be equal to the Accumulated Value on that date multiplied by 1/12th of [.20%].]

TERMINATION: This Rider will terminate on the earliest of the following:

1.   the Annuity Date;
2.   the date the Company determines a death benefit is payable;
3.   surrender of the contract; or
4.   if the sole beneficiary, who is the deceased Owner's spouse, continues the
     contract.

                    Signed for the Company at Dover, Delaware

          /s/ Richard M. Reilly                            /s/ Charles F. Cronin

                President                                        Secretary

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1    For Contract Forms No.: A3025-96 and A3026-96, a benefit will be payable
     under this Rider only when a death benefit is payable due to the death of
     the Annuitant.
2    "Payment of Death Benefit before the Annuity Date" as used in this Rider,
     includes "Payment of the Death Benefit" as used in some contracts to which
     the Rider is attached.

FORM 3301-01                                                              BAER17

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