Document:

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                                                                    EXHIBIT 4(d)

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

This Endorsement is made a part of, and subject to, the other terms and
conditions of the Contract to which it is attached.

This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF OWNER
BEFORE THE ANNUITY DATE and is effective on the Contract Date.

The following are added under the DEFINITIONS section of the Contract:

       CONTINUATION DATE

       The Date on which We receive, in Our Service Center: (a) the Spousal
       Beneficiary's written request to continue the Contract in force, and (b)
       Due Proof of Death of the Owner. If We receive (a) and (b) on different
       dates, the Continuation Date will be the later date.

       CONTINUATION YEAR

       A year starting from the Continuation Date in one calendar year and
       ending on the day preceding the anniversary of such date in the
       succeeding calendar year.

       NET PURCHASE PAYMENT

       The sum of all Purchase Payments, reduced proportionately on the date of
       each partial withdrawal by the percentage at which the Contract Value is
       reduced by such withdrawal (including any fees or charges applicable to
       the withdrawal).

       SPOUSAL BENEFICIARY

       The Owner's spouse who: (a) is designated as the primary Beneficiary; (b)
       is age 80 or younger at the time of the Owner's death; and (c) elects to
       continue the Contract as the Owner.

AMOUNT OF DEATH BENEFIT

If You are age 80 or younger on the Contract Date, and You die prior to the
Annuity Date, the amount of the Death Benefit will be determined based upon the
Death Benefit option You selected on the Application Form. Once a Death Benefit
option is selected it cannot be changed or terminated. However, Your Spousal
Beneficiary can terminate this benefit on the Continuation Date.

MAXIMUM ANNIVERSARY OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [0.00%-1.00%] of Your average daily
ending value of the assets attributable to the Accumulation Units of the
Subaccount(s) to which the Contract is allocated. We deduct this charge daily.
This charge is in addition to the charges in Your Contract.

MAXIMUM ANNIVERSARY VALUE OPTIONAL DEATH BENEFIT

If upon Our receipt of Due Proof of Death of the Owner prior to the Annuity Date
and prior to the Owner attaining age 90, the Beneficiary will receive the
greatest of:

(a)    Purchase Payments reduced for any partial withdrawals (and any fees or
       charges applicable to such withdrawals) in the same proportion that the
       Contract Value was reduced on the date of such withdrawal; or

(b)    Contract Value; or

                                       1
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(c)    The Maximum Anniversary Value.

If the deceased Owner has attained age 90, then the death benefit will be the
Contract Value.

We will calculate the Maximum Anniversary Value, by determining the Contract
Value for each Contract anniversary prior to the Owner's 81st birthday. The
anniversary value is equal to the Contract Value at each Contract anniversary
increased by the dollar amount of any Purchase Payment(s) made since that
anniversary and reduced proportionately for any partial withdrawals (and any
fees or charges applicable to such withdrawals) in the same proportion that the
Contract Value was reduced on the date of such withdrawal. If any of those
anniversary values is greater than Your Contract Value, You will receive that
amount as the Maximum Anniversary Value.

DEATH BENEFIT ENHANCEMENT BEFORE THE CONTINUATION DATE

Earnings, for purposes of calculating the Death Benefit Enhancement amount,
equal the amount by which Your Contract Value exceeds Net Purchase Payment(s) as
of the date of Your death. If You have earnings as defined above in Your
Contract at the time We receive Your Due Proof of Death, We will add any
applicable Death Benefit Enhancement to the amount of Your Death Benefit. The
Percentage of Earnings that will be added to Your Death Benefit as a Death
Benefit Enhancement depends on how long Your Contract was in force prior to the
date of Your death. This benefit is in addition to the Maximum Anniversary Value
Death Benefit. The Death Benefit Enhancement terminates upon the Latest Annuity
Date.

<TABLE>
<CAPTION>
                      DEATH BENEFIT ENHANCEMENT
---------------------------------------------------------------------
                                  Percentage          Maximum Benefit
Number of Years Elapsed*         of Earnings            Percentage
------------------------         -----------          ---------------
<S>                              <C>                  <C>
        [0-4]                       [0-100%]               [0-100%]
        [5-9]                      [0-100%*]              [0-100%*]
        [10+]                      [0-100%*]              [0-100%*]
</TABLE>

[*Does not apply on Spousal Continuation if Spousal Beneficiary is age 70 or
older on the Continuation Date.]

For purposes of determining any Death Benefit Enhancement payable upon Your
death the following items in the Death Benefit Enhancement table are described
as follows:

       NUMBER OF YEARS ELAPSED is the number of full Contract Years from the
       Contract Date to the date of Your death.

       PERCENTAGE OF EARNINGS is a percentage applied to the earnings in Your
       Contract from the Contract Date to the date of Your death.

       MAXIMUM BENEFIT PERCENTAGE is a percentage that when applied to the Net
       Purchase Payment(s) defines the maximum amount of the Death Benefit
       Enhancement. Net Purchase Payments received by Us after the [0-10th]
       Contract Anniversary, must remain in Your Contract for at least [0-12]
       full months to be included in the calculation of the maximum amount of
       the Death Benefit Enhancement.

                                       2
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DEATH BENEFIT ENHANCEMENT AFTER THE CONTINUATION DATE

Upon receipt of Due Proof of Death of the Spousal Beneficiary, We will add any
applicable Death Benefit Enhancement to the amount of the Spousal Beneficiary's
Death Benefit.

For purposes of determining any Death Benefit Enhancement amount payable upon
the Spousal Beneficiary's death, the following items in the Death Benefit
Enhancement table are described as follows:

       NUMBER OF YEARS ELAPSED is the number of full Continuation Years from the
       Continuation Date to the date of death of the Spousal Beneficiary.

       PERCENTAGE OF EARNINGS is a percentage applied to the earnings in the
       Contract from the Continuation Date to the Spousal Beneficiary's date of
       death. For purposes of this calculation, earnings are defined as (a)
       minus (b) where:

              (a)    is the Contract Value on the Spousal Beneficiary's date of
                     death; and

              (b)    is the sum of the Contract Value on the Continuation Date
                     (including any amount added to the Contract Value by Us),
                     and any Net Purchase Payment(s) received on or after the
                     Continuation Date.

       MAXIMUM BENEFIT PERCENTAGE is a percentage, that when applied to the sum
       of (a) plus (b) below, defines the maximum amount of the Death Benefit
       Enhancement, where:

              (a)    is the Contract Value on the Continuation Date (including
                     any amount added to the Contract Value by Us on the
                     Continuation Date), reduced proportionately on the date of
                     each partial withdrawal occurring on or after the
                     Continuation Date, by the percentage at which the Contract
                     Value is reduced by such withdrawal (including any fees or
                     charges applicable to the withdrawal) on that date;

              (b)    is any Net Purchase Payment(s) made on or after the
                     Continuation Date until the Spousal Beneficiary's date of
                     death. Purchase Payments received by Us after [0-10th]
                     Continuation Years, must remain in Your Contract for at
                     least [0-12] full months to be included in the calculation
                     of the maximum amount of the Death Benefit Enhancement.

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

ANCHOR NATIONAL LIFE INSURANCE COMPANY

    /s/ CHRISTINE A. NIXON                             /s/ JAY S. WINTROB
    ----------------------                             ------------------
      Christine A. Nixon                                 Jay S. Wintrob
         Secretary                                          President

                                       3
<PAGE>

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

This Endorsement is made a part of, and subject to, the other terms and
conditions of the Contract to which it is attached.

This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF OWNER
BEFORE THE ANNUITY DATE in the Contract.

The following are added under the DEFINITIONS section of the Contract:

       NET PURCHASE PAYMENT

       The sum of all Purchase Payments, reduced proportionately on the date of
       each partial withdrawal by the percentage at which the Contract Value is
       reduced by such withdrawal (including any charges applicable to the
       withdrawal).

AMOUNT OF DEATH BENEFIT

If, upon the death of the Owner and prior to the Annuity Date, the Owner has not
attained age 90, the amount of the Death Benefit will be as described under the
Maximum Anniversary Value Optional Death Benefit. If the deceased Owner has
attained age 90, then the Death Benefit will be the Contract Value. This Death
Benefit option cannot be changed or terminated.

MAXIMUM ANNIVERSARY VALUE OPTIONAL DEATH BENEFIT

As of the date We receive Your Due Proof of Death and prior to the Owner
attaining age 90, the Death Benefit will be the greatest of:

(a)    Net Purchase Payments; or

(b)    Contract Value; or

(c)    The Maximum Anniversary Value.

We will calculate the Maximum Anniversary Value, by determining the Contract
Value for each Contract anniversary prior to the Owner's 81st birthday. An
anniversary value is equal to the Contract Value at a Contract anniversary
increased by the dollar amount of any Purchase Payment(s) made since that
anniversary and reduced for any partial withdrawals since that anniversary (and
any charges applicable to such withdrawals) in the same proportion that the
Contract Value was reduced on the date of such withdrawal. If any of those
anniversary values is greater than Your Contract Value, You will receive that
amount as the Maximum Anniversary Value.

MAXIMUM ANNIVERSARY OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [0.15%] of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
to which the Contract is allocated. We deduct this charge daily. This charge is
in addition to the charges in Your Contract.

                                       1
<PAGE>

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

ANCHOR NATIONAL LIFE INSURANCE COMPANY

    /s/ CHRISTINE A. NIXON                             /s/ JAY S. WINTROB
    ----------------------                             ------------------
      Christine A. Nixon                                 Jay S. Wintrob
         Secretary                                          President

                                       2<PAGE>
                                                                    EXHIBIT 4(e)

                     ANCHOR NATIONAL LIFE INSURANCE COMPANY

                          OPTIONAL INCOME BENEFIT (OIB)
                                   ENDORSEMENT

This Endorsement is made a part of, and subject to, the other terms and
conditions of the Contract to which it is attached. This Endorsement becomes
effective on the Effective Date. All the terms have the same meanings as in the
Contract except as defined below.

                                 SPECIFICATIONS

CONTRACT NUMBER:                              GROWTH RATE:
       A1111111111                                   [3.25%]

EFFECTIVE DATE:                               OIB CHARGE PERCENTAGE:
       February 6, 2001                              [0.15%]

ENDORSEMENT DATE:                             EARLIEST INCOME BENEFIT DATE:
       February 6, 2000                              February 6, 2008

                                   DEFINITIONS

EFFECTIVE DATE

The Effective Date of the OIB Endorsement is as shown above. If elected at
Contract issue, the Effective Date and the Endorsement Date will be the same as
the Contract Date. If elected after Contract issue, the Effective Date is the
Contract anniversary immediately following the Endorsement Date.

ENDORSEMENT DATE

The Endorsement Date is the date that the OIB Endorsement was issued, as shown
above.

INCOME BENEFIT BASE

The amount We use to determine the OIB, as discussed below.

INCOME BENEFIT DATE

The Contract anniversary date on which the OIB is calculated. The Income Benefit
Date, which is selected by You, must be the [first -- fifteenth] Contract
anniversary following the Effective Date of this Endorsement. In order for the
OIB to take effect, the Annuity Date You select must be within the 30 days
following Your Income Benefit Date. The Income Benefit Date must be no later
than the latest Annuity Date as discussed in the ANNUITY PROVISIONS of Your
Contract. To arrange selection of an Income Benefit Date, contact Our Annuity
Service Center.

                                   PROVISIONS

OIB

This Endorsement provides for guaranteed minimum annuity payments under selected
Fixed Annuity Payment Options, which are provided for in Your Contract and
specified in this Endorsement.

We will only provide for the guaranteed minimum annuity payments under the OIB
if You select an Annuity Date which is within 30 days following any Income
Benefit Date, and Your entire Contract Value is to be distributed under one of
the Fixed Annuity Payment Options described in this Endorsement. The Annuity
Date, as defined in Your Contract, is the date selected by You on which Annuity
Payments are to begin.

                                       1
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On the Annuity Date, the amount of the guaranteed Fixed Annuity payment is
calculated by applying the Income Benefit Base as of the Income Benefit Date, as
described below, reduced by: (a) any Partial Withdrawals of Contract Value
(which include any charges associated with those withdrawals) since the Income
Benefit Date; and (b) any Withdrawal Charges otherwise applicable to amounts in
Your Contract, calculated as if You fully surrender Your Contract as of the
Income Benefit Date; and (c) any applicable premium taxes, to the annuity rates
set forth in this Endorsement.

This amount is compared to the Fixed Annuity payment amount under the same
Annuity Payment Option provided for in the ANNUITY PROVISIONS of Your Contract,
which is calculated, based on Your Contract Value on the Annuity Date. We will
pay whichever is greater. You may also select any other Annuity Payment Option
as outlined in Your Contract to be applied to your actual Contract Value.
However, We will not provide for guaranteed minimum annuity payments under this
OIB.

INCOME BENEFIT BASE

On the Effective Date of this Endorsement, the Income Benefit Base is equal to
the entire Contract Value on that date. If the OIB is elected at Contract issue,
the Income Benefit Base on the Contract Date is the First Purchase Payment.

For purposes of subsequent calculation of the Income Benefit Base, the Income
Benefit Base is equal to (a) plus (b) less (c), where;

       (a) is the Income Benefit Base on the prior Contract anniversary (or the
       Contract Date if being calculated on the first Contract anniversary)
       accumulated at the Growth Rate indicated in the SPECIFICATIONS section of
       this Endorsement, and

       (b) is the sum of all Purchase Payments received after the prior Contract
       anniversary (or after the Contract Date if being calculated on the first
       Contract Anniversary) accumulated at the Growth Rate indicated in the
       SPECIFICATIONS section of this Endorsement, starting on the date each
       Purchase Payment is allocated to the Contract, and

       (c) is the sum of Income Benefit Base reductions made after the prior
       Contract anniversary (or after the Contract Date if being calculated on
       the first Contract anniversary) accumulated at the Growth Rate indicated
       in the SPECIFICATIONS section of this Endorsement, starting on the date
       each deduction occurs.

An Income Benefit Base reduction is calculated on a pro rata basis to
effectively reduce the Income Benefit Base in proportion to the actual reduction
in Contract Value. The reduction is equal to the Income Benefit Base immediately
prior to a Partial Withdrawal of Contract Value (which includes any charges
associated with the withdrawal) multiplied by the percentage reduction in
Contract Value resulting from the Partial Withdrawal of Contract Value.

THE INCOME BENEFIT BASE IS USED SOLELY FOR THE PURPOSE OF CALCULATING THE OIB
AND DOES NOT PROVIDE A CONTRACT VALUE OR GUARANTEE PERFORMANCE OF ANY INVESTMENT
OPTION.

GROWTH RATE

The Growth Rate will be the rate shown in the SPECIFICATIONS section of this
Endorsement through the Contract anniversary immediately following the
Annuitant's 90th birthday. The Growth Rate is reduced to 0.00% on the Contract
anniversary immediately following the Annuitant's 90th birthday.

                                       2
<PAGE>

OIB CHARGE

This annual charge is to compensate Us for the risk assumed as a result of
contractual obligations to provide the OIB. The OIB Charge Percentage will never
be greater than the percentage shown on the SPECIFICATIONS section of this
Endorsement. The OIB Charge equals the OIB Charge Percentage multiplied by the
Income Benefit Base in effect on that Contract anniversary. The OIB Charge is
deducted from the Contract Value annually, on each Contract anniversary. This
charge is no longer deducted after the Annuity Date.

Upon Total Withdrawal of the Contract Value, We will deduct the OIB Charge from
the Contract Value. If the Total Withdrawal of the Contract Value is requested
on any date other than the Contract anniversary, this charge will be calculated
based on the Income Benefit Base immediately prior to the Total Withdrawal and
will not be prorated.

TERMINATION

Once elected, You cannot terminate this OIB option.

                        OIB FIXED ANNUITY PAYMENT OPTIONS

OPTION 1 - LIFE ANNUITY WITH PAYMENTS GUARANTEED FOR 10 YEARS

Payments are payable to the Payee during the lifetime of the Annuitant. If, at
the death of the Annuitant, payments have been made for less than 10 years, the
remaining guaranteed annuity payments will be continued to the Beneficiary.

OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY WITH PAYMENTS GUARANTEED FOR 20 YEARS
Payments are payable to the Payee during the lifetime of the Annuitant and
during the lifetime of a designated second person. If, at the death of the
survivor, payments have been made for less than 20 years, the remaining
guaranteed annuity payments will be continued to the Beneficiary.

                                       3
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                     OIB FIXED ANNUITY PAYMENT OPTIONS TABLE

BASIS OF COMPUTATION

The actuarial basis for the Table of Annuity Rates is the 1983a Annuity
Mortality Table with projection and a guaranteed interest rate of 2.25%. The
mortality table is projected using Projection Scale G factors, assuming
annuitization in the year 2000. The OIB Fixed Annuity Payment Options Table does
not reflect any applicable premium tax.

              OPTION 1 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST)
                    LIFE ANNUITY (W/120 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF                                           AGE OF
ANNUITANT           MALE           FEMALE        ANNUITANT          MALE           FEMALE
---------           ----           ------        ---------          ----           ------
<S>                 <C>            <C>           <C>                <C>            <C>
       55           3.76            3.39              71            5.72            5.05
       56           3.84            3.46              72            5.90            5.21
       57           3.93            3.53              73            6.07            5.38
       58           4.02            3.60              74            6.25            5.56
       59           4.12            3.68              75            6.43            5.75
       60           4.22            3.76              76            6.62            5.94
       61           4.33            3.85              77            6.81            6.14
       62           4.44            3.94              78            6.99            6.34
       63           4.56            4.04              79            7.18            6.55
       64           4.68            4.14              80            7.36            6.76
       65           4.81            4.25              81            7.54            6.97
       66           4.95            4.37              82            7.72            7.18
       67           5.09            4.49              83            7.88            7.39
       68           5.24            4.62              84            8.04            7.58
       69           5.40            4.75              85            8.19            7.77
       70           5.56            4.90
</TABLE>

              OPTION 2 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST)
         JOINT & 100% SURVIVOR LIFE ANNUITY (W/240 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF
  MALE
ANNUITANT                                 AGE OF FEMALE ANNUITANT
---------          ----------------------------------------------------------------------
                    55         60         65         70         75         80         85
                   ----       ----       ----       ----       ----       ----       ----
<S>                <C>        <C>        <C>        <C>        <C>        <C>        <C>
       55          3.11       3.27       3.40       3.51       3.58       3.62       3.63
       60          3.20       3.40       3.60       3.76       3.88       3.94       3.97
       65          3.26       3.51       3.77       4.00       4.18       4.28       4.32
       70          3.30       3.58       3.89       4.19       4.44       4.58       4.65
       75          3.33       3.63       3.97       4.32       4.62       4.81       4.90
       80          3.34       3.65       4.01       4.39       4.72       4.94       5.04
       85          3.34       3.65       4.02       4.41       4.76       4.99       5.10
</TABLE>

                                       4
<PAGE>

All other terms and conditions of the Contract remain unchanged. Signed for the
Company at Los Angeles, California.

    /s/ CHRISTINE A. NIXON                             /s/ JAY S. WINTROB
    ----------------------                             ------------------
      Christine A. Nixon                                 Jay S. Wintrob
         Secretary                                          President

                                       5

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