Document:

EX-(4).(c)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

WITHDRAWAL CHARGE WAIVER 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. 
 Terms not defined in this
Endorsement shall have the same meaning given to them in the Contract. All other terms and conditions of the Contract remain unchanged. 

The Withdrawal Charge and Penalty Free Withdrawal sections are deleted in their entirety. All references to Withdrawal Charges and Penalty
Free Withdrawals in the Contract are hereby deleted and are not applicable with the use of this Endorsement. Therefore, no Withdrawal Charges are deducted when this Endorsement is attached. 

The definition of “WITHDRAWAL(S)” is replaced by the following: “Withdrawals are any amount(s) withdrawn by the Owner
from the Contract Value.” 
 The section titled “SYSTEMATIC WITHDRAWAL PROGRAM” under Withdrawal Provisions is
replaced by the following: “Prior to the Annuity Date, You may elect to participate in a Systematic Withdrawal Program by informing Us at Our Annuity Service Center. The Systematic Withdrawal Program allows You to make automatic Withdrawals
from Your Contract monthly, quarterly, semiannually or annually. The Minimum Systematic Withdrawal Amount is shown on the Contract Data Page. You may terminate Your participation in the Systematic Withdrawal Program at any time by sending Us a
Written request.” 
 The section titled “OPTIONS 5 & 5v - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN” under
Annuity Income Payment Options is replaced by the following: “Payments payable to the Payee for any specified period of time for five (5) years or more, but not exceeding thirty (30) years, as selected at the time of Annuitization.
The selection must be made for full twelve month periods. In the event of death of the Annuitant during the specified period of time, any remaining Annuity Income Payments will be continued to the Beneficiary. If the Annuitant dies after the end of
the specific period of time, no further Annuity Income Payments will be made. If Variable Annuity Income Payments are elected under this Annuity Income Payment Option, any remaining guaranteed Variable Annuity Income Payments may be redeemed for a
discounted value determined by Us.” 
 Signed for the Company to be effective as of the Contract Date. 

 

							
	 

 
	  	 

	  	 

	 	 

 

  
 AGE-8038 (1/16)EX-(4).(d)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

RETURN OF PURCHASE PAYMENT DEATH BENEFIT ENDORSEMENT 

This Endorsement is 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. 
 Capitalized terms within this Endorsement that are not defined in this Endorsement are defined or otherwise described
in the Contract to which this Endorsement is attached, including any endorsements or other riders attached to such Contract. 
 This
Endorsement replaces the “AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION” provisions under the “DEATH PROVISIONS” section in the Contract. 

TABLE OF CONTENTS 
  

					
	 Definitions
	  	 	Page 1	  
	 Endorsement Data Page
	  	 	Page 1	  
	 Amount of Death Benefit
	  	 	Page 2	  
	 Spousal Beneficiary Continuation
	  	 	Page 2	  
	 Withdrawal Adjustments
	  	 	Page 3	  

 DEFINITIONS 

For the purposes of this Endorsement, the following Definitions apply: 

MAXIMUM ANNUAL WITHDRAWAL AMOUNT 
 Maximum Annual
Withdrawal Amount refers to guaranteed Withdrawals applicable only if You have elected an optional guaranteed living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. 

NET PURCHASE PAYMENT(S) 
 Net Purchase Payment(s) are the
sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. 

WITHDRAWAL ADJUSTMENTS 
 Withdrawal Adjustments refer to
the term used to calculate how the amount of the Death Benefit will be adjusted for Withdrawals depending on the amount of the Withdrawal and whether a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and has not been
terminated. 
 ENDORSEMENT DATA PAGE 

 

			
	 EFFECTIVE DATE:
	  	 Contract Date

		
	 MAXIMUM ISSUE AGE:
	  	 85

		
	 PURCHASE PAYMENT AGE LIMIT:
	  	 85

		
	PURCHASE PAYMENT RESTRICTION (if a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected):	  	Purchase Payments received on or after the 1st Contract Anniversary are not accepted into the Contract.

 For Inquiries Call: [1-800-445-7862] 

  

					
	AGE-8022 (12/15)	  	1	  	

 AMOUNT OF DEATH BENEFIT 

Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receiving all Required Documentation. The Death Benefit calculation is different
depending on whether a guaranteed living benefit or guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 
 If You
did not elect a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Net Purchase Payment(s) received, up to the Purchase Payment Age Limit shown on the Endorsement Data Page. 

 If
You elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Purchase Payment(s), subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, reduced by (a) or (b) as follows: 

 

	 	(a)	any Withdrawal Adjustments if the benefit has not been terminated; or 

  

	 	(b)	any Withdrawal Adjustments prior to the date the benefit is terminated, and further reduced by any Withdrawals occurring on and after the date the benefit is terminated, in the same proportion that each such Withdrawal
reduces the Contract Value. 

 Spousal Beneficiary Continuation 

If eligible, the Spousal Beneficiary may elect to continue the Contract. On the Continuation Date, We will contribute to the Contract Value an amount by which
the Death Benefit that would have been paid to the Spousal Beneficiary exceeds the Contract Value, if any, as of the Business Day during which We receive all Required Documentation. When applicable, this amount is not considered a Purchase Payment
except in the calculation of certain death benefits upon the death of the Spousal Beneficiary. If this option is elected, no Death Benefit is paid out to the Spousal Beneficiary on the Continuation Date. 

If the Spousal Beneficiary continues the Contract, the Death Benefit calculation is different depending on whether a guaranteed living benefit or a guaranteed
minimum withdrawal benefit has been elected and if the benefit has been terminated. Upon the Spousal Beneficiary’s death, We will pay a Death Benefit to the Beneficiary upon Our receipt of all Required Documentation. 

If the Spousal Beneficiary was Age 85 or younger on the Continuation Date, and if the Owner did not elect a guaranteed living benefit or a guaranteed minimum
withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date, up to the Purchase Payment Age Limit shown on the Endorsement Data Page, and further reduced by any Withdrawals
in the same proportion that each such Withdrawal reduces the Contract Value after the Continuation Date. 

 If the Spousal Beneficiary was Age
85 or younger on the Continuation Date, and if the Owner elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 

  

					
	AGE-8022 (12/15)	  	2	  	

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page,
and reduced by (a) or (b): 

  

	 	(a)	any Withdrawal Adjustments after the Continuation Date if the benefit has not been terminated; or 

  

	 	(b)	any Withdrawal Adjustments after the Continuation Date and prior to the date the benefit is terminated, and further reduced by any Withdrawals in the same proportion that each such Withdrawal reduces the Contract Value
after the Continuation Date and on and after the date the benefit is terminated. 

 If the Spousal Beneficiary was Age 86 or older on the
Continuation Date, the amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required Documentation. 
 
Withdrawal Adjustments 
 If a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and the benefit has not been terminated,
the amount of the Death Benefit will be adjusted for Withdrawals as follows: 
  

	 	a.	If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken prior to Your 81st birthday and are less than or equal to the
Maximum Annual Withdrawal Amount, the amount of adjustment will be the amount of each Withdrawal; or 

 b. If the current
Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken on and/or after Your 81st birthday and/or are in excess of the Maximum Annual Withdrawal Amount, the amount
of adjustment is equal to the proportion that the amount of each Withdrawal in excess of the Maximum Annual Withdrawal Amount reduces the Contract Value. 

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

							
	 

 
	  	 

	  	 

	 	 

 

  

					
	AGE-8022 (12/15)	  	3

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