Document:

<PAGE>

    OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT MAXIMUM ANNIVERSARY VALUE
                                  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.

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: [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 this Endorsement becomes effective. If this
Endorsement is elected at Contract issue, the Effective Date is the date Your
Contract is issued. [If this Endorsement is elected after Your Contract has been
issued, the Effective Date is the [Benefit Year anniversary following Your
election.]]

ELIGIBLE PURCHASE PAYMENTS

The [Gross] 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.

INELIGIBLE PURCHASE PAYMENTS

[Gross] 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.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")

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withdrawn each Benefit Year under the GMWB.

                                        1

<PAGE>

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 Effective Date and
ending on the termination of this Endorsement.] [The full [quarterly] charge
will also be deducted upon full surrender or annuitization of Your Contract.]

The amount of the GMWB charge will equal:

<TABLE>
<CAPTION>
 BENEFIT YEAR   ANNUAL CHARGE PERCENTAGE   AS A PERCENTAGE OF
 ------------   ------------------------   ------------------
<S>             <C>                        <C>
 [Years 0-10]            [0.65%]             [Benefit Base]
[Years 11-20]            [0.65%]             [Benefit Base]
 [Years 20+]             [0.65%]             [Benefit Base]
</TABLE>

BENEFIT BASE EVALUATION PERIOD

A Benefit Base Evaluation Period begins on the Effective Date and extends to the
[[10th] Benefit Year anniversary].

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 [if the GMWB is elected on the Contract Date,] is equal
to the initial Eligible Purchase Payment.

[The initial Benefit Base if the GMWB is elected after the Contract Date, is
equal to the Contract Value on the Effective Date.]

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.

                                        2

<PAGE>

<TABLE>
<CAPTION>
TIME ELAPSED SINCE EFFECTIVE DATE   PERCENTAGE INCLUDED IN THE BENEFIT BASE CALCULATION
---------------------------------   ---------------------------------------------------
<S>                                 <C>
            [0-2 Years]                                    [100%]
           [2-10 Years]                                      [0%]
       [More than 10 Years]                                  [0%]
</TABLE>

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 [$1,000,000].

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.

<TABLE>
<CAPTION>
                            MAXIMUM ANNUAL WITHDRAWAL   [MAXIMUM ANNUAL WITHDRAWAL     MINIMUM WITHDRAWAL     MAXIMUM ANNUAL
                                 PERCENTAGE [WHEN             PERCENTAGE WHEN          PERIOD BEFORE ANY     WITHDRAWAL AS A
TIME OF FIRST WITHDRAWAL    EXTENSION IS NOT ELECTED]      EXTENSION IS ELECTED]           EXTENSION          PERCENTAGE OF:
-------------------------   -------------------------   --------------------------   ---------------------   ---------------
<S>                         <C>                         <C>                          <C>                     <C>
[Before 5th Benefit Year
      anniversary]                    [5%]                         [5%]                   [20 years]          [Benefit Base]

[On or after 5th Benefit
    Year anniversary]                 [7%]                         [7%]                   [14 years]          [Benefit Base]

[On or after 10th Benefit
    Year anniversary]                 [10%]                        [7%]                   [10 years]          [Benefit Base]

[On or after 20th Benefit
    Year anniversary]                 [10%]                        [10%]                  [10 years]          [Benefit Base]

    [On or after [the
  Contract anniversary
  following] Your 65th
        birthday]                     [5%]*                        [5%]*             Duration of Your life    [Benefit Base]
</TABLE>

*    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 [the anniversary
     following] 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.

                                        3

<PAGE>

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:

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 at least [one] Extension of the Benefit Base Evaluation Period
at the end of the current Benefit Base Evaluation Period, [provided the Owner(s)
are age [90] 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.]]

                                        4

<PAGE>

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 [5th] Benefit Year anniversary, the termination is
          effective on the [5th] Benefit Year anniversary;

     2.   after the [5th], but prior to the [10th] Benefit Year anniversary, the
          termination is effective on the [10th] Benefit Year anniversary;

     3.   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,

     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 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 Effective Date.

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ CHRISTINE A. NIXON                  /s/ JANA W. GREER
-------------------------------------   ----------------------------------------
CHRISTINE A. NIXON                      JANA W. GREER
SECRETARY                               PRESIDENT

                                        5<PAGE>

                 OPTIONAL GUARANTEED MINIMUM WITHDRAWAL BENEFIT
                    [FOR ONE LIFE/FOR TWO LIVES] 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.

Subject to the terms and conditions set forth herein, this optional Endorsement
guarantees annual Withdrawals over [two lives -] Your lifetime [and the lifetime
of Your Spousal Beneficiary if Your Spousal Beneficiary continues the Contract
after You die]. The amount of guaranteed annual Withdrawals is based on the
highest Anniversary Value during the first [10] years after the Effective Date
of this Endorsement, adjusted for Withdrawals in excess of the annual guaranteed
Withdrawal amount. This benefit is called the Guaranteed Minimum Withdrawal
Benefit or "GMWB".

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.

[AGE

Age as of the last birthday [of the older/younger] of You [and Your Spousal
Beneficiary].]

ANNIVERSARY VALUE

The Contract Value minus any Ineligible Purchase Payments, as measured one year
from the Effective Date and on subsequent Benefit Year anniversaries.

BENEFIT BASE

A component of the calculation of the GMWB, which is used to determine 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 this Endorsement becomes effective. If this
Endorsement is elected at Contract issue, the Effective Date is the date Your
Contract is issued. [If this Endorsement is elected after Your Contract has been
issued, the Effective Date is the [Benefit Year anniversary following Your
election.]]

ELIGIBLE PURCHASE PAYMENTS

The [Gross] Purchase Payments or portion thereof that are included in the
calculation of the Benefit Base, as further described below.

EXCESS WITHDRAWAL

A withdrawal or portion thereof that is in excess of the Maximum Annual
Withdrawal Amount in any given Benefit Year.

INELIGIBLE PURCHASE PAYMENTS

The [Gross] Purchase Payments or portions thereof that are not included in the
calculation of the Benefit Base.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")

The maximum amount available to be withdrawn each Benefit Year under the GMWB
without reducing the amount guaranteed for withdrawal under the GMWB.

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE ("MAWP")

The percentage used to determine the Maximum Annual Withdrawal Amount available
to be withdrawn each Benefit Year without reducing the amount guaranteed for
Withdrawal under the GMWB.

<PAGE>

[SPOUSAL BENEFICIARY

Your spouse who is designated as Your sole primary Beneficiary on both the
Effective Date of this Endorsement and the date of Your death.]

                GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISIONS

GMWB CHARGE

The GMWB charge is an annualized charge deducted from [Your Contract Value on a
[quarterly] basis beginning one [quarter] following the Effective Date and
ending on the termination of this Endorsement.] [The [full] [quarterly] charge
will also be deducted upon full surrender or annuitization of Your Contract.]

<TABLE>
<CAPTION>
                                                 ANNUAL CHARGE
                 ANNUAL CHARGE PERCENTAGE   PERCENTAGE AFTER FIRST
 BENEFIT YEAR      BEFORE ANY WITHDRAWAL          WITHDRAWAL         AS A PERCENTAGE OF
 ------------    ------------------------   ----------------------   ------------------
<S>              <C>                        <C>                      <C>
 [Years 0-10]             [0.40%]                   [0.80%]            [Benefit Base]
[Years 11-20*]            [0.40%]                   [0.80%]            [Benefit Base]
 [Years 20+*]             [0.40%]                   [0.80%]            [Benefit Base]
</TABLE>

[*If Extension of the Benefit Base Evaluation Period is elected, as described
below.]

[In the event either You or Your Spousal Beneficiary dies, the Annual Charge
Percentages shown above will not change and will remain in effect as long as
this Endorsement is not terminated.]

CALCULATION OF THE COMPONENTS OF THE GMWB

You may take Withdrawals under the GMWB at any time while this Endorsement is in
effect and before the termination of this Endorsement. The amount of Withdrawals
guaranteed under this Endorsement may change over time as a result of Benefit
Base increases or Benefit Base decreases as described below.

To determine the GMWB, We use the following components: Benefit Base Evaluation
Period, Benefit Base, and MAWA. The calculations for each component are detailed
below.

BENEFIT BASE EVALUATION PERIOD

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

BENEFIT BASE

The initial Benefit Base [if the GMWB is elected on the Contract Date,] is based
on the first Eligible Purchase Payment. [The initial Benefit Base, if the GMWB
is elected after the Contract Date, is equal to the Contract Value on the
Effective Date.]

The Benefit Base is increased each time subsequent Eligible Purchase Payments
are made. In addition, on each Benefit Year anniversary during the Benefit Base
Evaluation Period, the Benefit Base is automatically increased to [100% of] the
Anniversary Value when [100% of] the Anniversary Value is greater than both (a)
and (b), where:

     (a)  equals the current Benefit Base; and

     (b)  is each previous Anniversary Value during any Benefit Base Evaluation
          Period.

The Benefit Base is decreased each time an Excess Withdrawal is taken.

The table below defines the portion of Eligible Purchase Payments included in
the Benefit Base. Eligible Purchase Payments are determined based on the time
elapsed between the Effective Date and the day on which Purchase Payments are
received by Us and deposited into Your Contract. If Your Contract provides for
payment enhancements or spousal continuation contributions, these amounts, if
applicable, are not considered Eligible Purchase Payments, but they will not be
excluded from the Benefit Base when it is calculated based on Anniversary Value
during the Benefit Base Evaluation Period.

                                       2

<PAGE>

<TABLE>
<CAPTION>
TIME ELAPSED SINCE EFFECTIVE DATE   PERCENTAGE ELIGIBLE IN THE BENEFIT BASE CALCULATION
---------------------------------   ---------------------------------------------------
<S>                                 <C>
           [0-2 Years]                                     [100%]
           [2-10 Years]                                      [0%]
       [More than 10 Years]                                  [0%]
</TABLE>

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
[$1,000,000]. [We reserve the right to limit the investment options available
under Your Contract if You elect the GMWB.]

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")

The MAWA is the annual guaranteed withdrawal amount available over Your lifetime
[and the lifetime of Your Spousal Beneficiary]. It is calculated by multiplying
the [Benefit Base] by the Maximum Annual Withdrawal Percentage ("MAWP"). The
applicable MAWP used to calculate the MAWA is determined by Your Age when You
first take a Withdrawal from Your Contract, as specified in the table below.

<TABLE>
<CAPTION>
       AGE AT FIRST
        WITHDRAWAL          MAWP [SINGLE LIFE]   [MAWP TWO LIVES]
       ------------         ------------------   ----------------
<S>                         <C>                  <C>
[At least Age 45 but less
       than Age 55]               [3.5%]              [3.5%]
[At least Age 55 but less
       than Age 62]                 [4%]                [4%]
[At least Age 62 but less
       than Age 65]               [4.5%]              [4.5%]
[At least Age 65 but less
       than Age 70]                 [5%]                [5%]
[At least Age 70 but less
       than Age 75]               [5.5%]              [5.5%]
    [Age 75 and over]               [6%]                [6%]
</TABLE>

[Upon the first death of You or Your Spousal Beneficiary, the applicable MAWP
for the surviving spouse will equal [100%] of the previously established MAWP.]

You may withdraw up to the MAWA throughout each Benefit Year without impacting
the annual amount guaranteed for withdrawal under the GMWB. If You do not
withdraw the [entire] MAWA in a Benefit Year, any amount not withdrawn does not
increase your MAWA in subsequent Benefit Years.

Withdrawals made under the GMWB are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, charges, including
Withdrawal Charges, fees, applicable taxes, and any other benefits or
limitations under the Contract.

Increases and decreases in the Benefit Base impact Your MAWA and therefore the
amount guaranteed for Withdrawal under the GMWB as follows:

INCREASES IN THE BENEFIT BASE

If the Benefit Base is increased for Eligible Purchase Payments, the MAWA will
be recalculated upon receipt of the Eligible Purchase Payments by multiplying
the new Benefit Base by the applicable MAWP. The increased MAWA is available
after the Eligible Purchase Payments are allocated to Your Contract. If the
Benefit Base is increased on a Benefit Year anniversary, the MAWA will be
recalculated by multiplying the new Benefit Base by the applicable MAWP.

DECREASES IN THE BENEFIT BASE

Excess Withdrawals reduce your Benefit Base and therefore the annual amount
guaranteed for Withdrawal under the GMWB. Any Excess Withdrawal in a Benefit
Year reduces the Benefit Base in the same proportion by which the Contract Value
is reduced by the Excess Withdrawal. When Contract Value is less than or equal
to the Benefit Base, Excess Withdrawals will result in a reduction of the
Benefit Base which is greater than the amount of the Excess Withdrawal. The MAWA
will be recalculated if Excess Withdrawals are taken in a Benefit Year. The new
MAWA will equal the reduced Benefit Base multiplied by the applicable MAWP. The
new MAWA is available at the beginning of the next Benefit Year

                                       3

<PAGE>

and will be lower than Your previously calculated MAWA, unless a higher Benefit
Base is achieved on a future Benefit Year anniversary during the Benefit Base
Evaluation Period.

If you are taking Required Minimum Distributions ("RMD") from the Contract to
which this Endorsement is attached, and the portion of the RMD amount based only
on the Contract is greater than the MAWA in any given Benefit Year, that portion
of the RMD withdrawal will not be treated as an Excess Withdrawal. Any
Withdrawal that is greater than RMD amounts based only on this Contract alone
will be considered an Excess Withdrawal.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO

If Your Contract Value is reduced to zero and the Benefit Base is greater than
zero, a benefit remains payable under this Endorsement, but all other benefits
under the Contract, including Death Benefits, will no longer be available.
However, 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.

When the Contract Value equals zero and the Benefit Base is greater than zero,
any remaining benefit under this Endorsement must be taken through one of the
following income options:

     1.   The current MAWA, paid equally on a quarterly, semi-annual or annual
          frequency as selected by You until the date of [Your death] [[and] the
          death of the surviving Spousal Beneficiary, whichever is later]; or

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

If You do not select a payment option, the remaining benefit will be paid as the
current MAWA on a quarterly basis until the date of [Your death][[and] the
surviving Spousal Beneficiary, whichever is later]].

[EXTENSION OF THE BENEFIT BASE EVALUATION PERIOD ("EXTENSION")

We may offer You at least [one] Extension of the Benefit Base Evaluation Period
at the end of the current Benefit Base Evaluation Period, [provided the Owner(s)
are age [90] or younger at that time.] [If You elect such an Extension, you will
receive a new endorsement with the charges and provisions in effect at that
time.]]

LATEST ANNUITY DATE

If there is remaining Contract Value and the Benefit Base is 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.   Elect to receive the current MAWA as of the Latest Annuity Date in the
          form of a payment option, paid equally on a quarterly, semi-annual or
          annual frequency as selected by You until the date of [Your
          death][[and] the death of the surviving Spousal Beneficiary, whichever
          is later]]; or

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

[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,
including the continued deduction of the GMWB charge from the Contract Value.
The Effective Date will not change as the result of Spousal Continuation.]

[TERMINATION OF WITHDRAWALS OVER THE LIFETIME OF YOUR SPOUSAL BENEFICIARY

Under any of the following circumstances, this GMWB will provide a guarantee for
Your lifetime and not the lifetime of Your Spousal Beneficiary:

     1.   If the Contract is jointly owned, one of the two original Owners is
          removed from the Contract due to death, divorce or other ownership
          change; or

     2.   Your original Spousal Beneficiary is removed for any reason; or

     3.   You and Your original Spousal Beneficiary are no longer married at the
          time of death of the first spouse; or

     4.   The Spousal Beneficiary does not continue the Contract after Your
          death.]

TERMINATION OF THE GMWB

Once elected, You may terminate this Endorsement and its corresponding charge.
[If Your request to terminate this Endorsement is received:

                                       4

<PAGE>

     1.   prior to the [5th] Benefit Year anniversary, the termination is
          effective on the [5th] Benefit Year anniversary;

     2.   on or after the [5th], but before the [10th] Benefit Year anniversary,
          the termination is effective on the [10th] Benefit Year anniversary;

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

This Endorsement and the related charge will terminate automatically if:

     1.   [You die/The surviving spouse under this Endorsement dies]; or,

     2.   A Death Benefit is paid and the Contract is terminated; or,

     3.   The Contract is annuitized; or

     4.   Excess Withdrawals reduce the Contract Value to zero; or

     5.   A change in ownership occurs that involves the original Owner(s),
          except as noted below.*

*    If a change of ownership occurs from a natural person to a non-natural
     entity, the original natural owner(s) must be the named annuitant(s) after
     the ownership change. A change of ownership from a non-natural entity to a
     natural person can only occur if the new natural owner(s) was the original
     natural annuitant(s).

If terminated, the GWMB may not be re-elected.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

/s/ Christine A. Nixon                  /s/ Jana W. Greer
-------------------------------------   ----------------------------------------
Christine A. Nixon                      Jana W. Greer
Secretary                               President

                                        5

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