Document:

Fifth Amendment to Advanced Medical Optics, Inc. 401(k) Plan

 EXHIBIT 10.1 
 FIFTH AMENDMENT 
 TO 
 ADVANCED MEDICAL OPTICS, INC. 
 401(K) PLAN 
 The ADVANCED MEDICAL OPTICS, INC. 401(k) PLAN (the “Plan”) is hereby amended as follows: 
  

	I.	Section 2.20 of the Plan is amended by renumbering subsection (i) as subsection (j) and by adding the following new subsection (i): 

 (i) An Eligible Employee who was employed by WaveFront Sciences, Inc. on January 3, 2007 and who is classified or identified as such
in the payroll records of the Company or in the Stock Purchase Agreement by and among Advanced Medical Optics, Inc., WaveFront Sciences, Inc. and the Stockholders of WaveFront Sciences, Inc. shall receive Credited Service for any period of
employment with WaveFront Sciences, Inc. for purposes of the participation, vesting, and in-service withdrawal provisions of the Plan but shall not receive Credited Service for any period of employment with WaveFront Sciences, Inc. for purposes of
determining his or her Profit Sharing Percentage pursuant to Section 5.3(c). 
  

	II.	Subject to the closing of the acquisition of IntraLase Corp by the Sponsor, Section 2.20 of the Plan is amended by renumbering subsection (j) as subsection (k) and by
adding the following new subsection (j): 

 (j) An Eligible Employee who was employed by IntraLase Corp. on the
day prior to the Closing Date (as such date is defined in Agreement and Plan of Merger by and among Advanced Medical Optics, Inc., Ironman Merger Corporation and IntraLase Corp. (the “Merger Agreement”)) and who is classified or
identified as such in the payroll records of the Company or in the Merger Agreement shall receive Credited Service for any “Periods of Service” credited to such Eligible Employee under the IntraLase Corp. 401(k) Plan (the
“IntraLase Plan”) as of the day prior to the Closing Date for purposes of participation, vesting, and in-service withdrawal provisions of the Plan but shall not receive Credited Service for any Periods of Service credited under the
IntraLase Plan for purposes of determining his or her Profit Sharing Percentage pursuant to Section 5.3(c). 
  

	III.	Section 4.2(b) of Appendix A, Special Provisions for Puerto Rico-Based Payroll Employees is amended as follows: 

 (b) Notwithstanding the provisions of Plan Section 4.2(e), a Puerto Rico-based Participant who has attained age 50 before the
close of the Plan Year may elect to contribute a percentage of his or her Compensation to the Plan as 

 
“catch-up” Before Tax Deposits in accordance with, and subject to the limitations of, the PR-Code. Such catch-up Before Tax Deposits shall not be
taken into account under paragraph (a) above, Section 4.3 of this Appendix to the extent permitted under the PR-Code, Plan Section 4.3, Plan Section 13.1 or any other provision of the Plan implementing the contribution
limitations of Code Sections 402(g) and 415. The provisions of this paragraph (b) shall be effective as of March 1, 2007 and implemented as of such date or as soon as administratively feasible thereafter. 
 IN WITNESS WHEREOF, Advanced Medical Optics, Inc. hereby executes this Fifth Amendment to the
Advanced Medical Optics, Inc. 401(k) Plan on this 1st day of March, 2007. 
  

			
	ADVANCED MEDICAL OPTICS, INC.
		
	 BY:
	 	 /s/ AIMEE WEISNER

		 	Aimee Weisner
		 	Executive Vice President, Administration, General Counsel, and Secretary

  

 2Exhibit (4)(f)

 EXHIBIT (4)(f) 
 FORM OF POLICY RIDER 
 (INCOME SELECT FOR LIFE) 

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	 Policy Number:
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Growth Rate Percentage:
	  	[5.00%]
	 Rider Fee Percentage:
	  	[0.75%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Growth-Single)

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD 
 The total withdrawal base will accumulate using the growth rate percentage as described in this Article.
The growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base.

 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under
this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following
the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
First
Withdrawal
	  	 “For Life” Withdrawal
Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  

					
	RGMB 18 0106	 	(2)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy
minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

					
	RGMB 18 0106	 	(3)	 	(Income/Growth-Single)

 ARTICLE II CONTINUED 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 ARTICLE III 
 CONTINUATION 
 In the
case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to
receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual
withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days]
after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued
with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee
Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(4)	 	(Income/Growth-Single)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	 Policy Number:
	  	[l2345]
	 Rider Date:
	  	[01/03/2006]
	 Rider Fee Percentage:
	  	[0.85%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Death-Single)

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
  

					
	RGMB 18 0106	 	(2)	 	(Income/Death-Single]

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any
premiums added after the rider date, less any adjustments for withdrawals described below. 
  

					
	RGMB 18 0106	 	(3)	 	(Income/Death-Single)

 ARTICLE II CONTINUED 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time.

 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary)
may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum
annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies
before the minimum remaining withdrawal amount equals zero, the annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to
the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary
thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee Percentage which
may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the
policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be
the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us
at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(4)	 	(Income/Death-Single)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Growth Rate Percentage:	  	[5.00%]
	Rider Fee Percentage:	  	[1.25%]
	Annuitant:	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]
	Annuitant’s Spouse:	  	[Jane Doe]
	Annuitant’s Spouse’s Issue Age/Sex:	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Growth-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage as described in this Article. The growth period is the period of time from
the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount
from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 18 0106	 	(2)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
  

					
	RGMB 18 0106	 	(3)	 	(Income/Growth-Joint)

 ARTICLE II CONTINUED 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider
is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period”
above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrwal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 ARTICLE III 
 CONTINUATION 
 In the
case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
  

					
	RGMB 18 0106	 	(4)	 	(Income/Growth-Joint)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider
anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. At the time of
upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date
the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our
home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(5)	 	(Income/Growth-Joint)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Rider Fee Percentage:	  	[0.80%]
	Annuitant:	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]
	Annuitant’s Spouse:	  	[Jane Doe]
	Annuitant’s Spouse’s Issue Age/Sex:	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [l00%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106	 	(1)	 	(Income-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM
WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy
value, until the later of the annuitant’s or the annuitant’s spouse’s death. 
 The “For Life” Withdrawal Percentage is determined
by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95+]	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 18 0106	 	(2)	 	(Income-Joint)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount. An amount in
addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base
Adjustments” below). 
 Total Withdrawal Base 
 The
total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider
date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base
Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals
in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

					
	RGMB 18 0106	 	(3)	 	(Income-Joint)

 ARTICLE II CONTINUED 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 ARTICLE III 
 CONTINUATION 
 In the
case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total
withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and
a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(4)	 	(Income-Joint)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	 Policy Number:
	 	[12345]
	 Rider Date:
	 	[01/03/2006]
	 Growth Rate Percentage:
	 	[5.00%]
	 Rider Fee Percentage:
	 	[1.40%]
	 Annuitant:
	 	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	 	[35 / Male]
	 Annuitant’s Spouse:
	 	[ Jane Doe]
	 Annuitant’s Spouse’s Issue Age/Sex:
	 	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Growth/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage as described in this Article. The growth period is the period of time from
the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount
from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 For Life Withdrawal
 Percentage

	  
	[59-64]	  	[4.5%]
	[65-69]	  	[5.0%]
	[70-74]	  	[5.5%]
	[75-79]	  	[6.0%]
	[80-84]	  	[6.5%]
	[85-89]	  	[7.0%]
	[90-94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 18 0106	 	(2)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
  

					
	RGMB 18 0106	 	(3)	 	(Income/Growth/Death-Joint)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the
minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth
period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
  

					
	RGMB 18 0106	 	(4)	 	(Income/Growth/Death-Joint)

 ARTICLE III  
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days]
after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued
with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee
Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal
amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information
necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(5)	 	(Income/Growth/Death-Joint)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Rider Fee Percentage:	  	[0.55%]
	Annuitant: .	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 day] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 18 0106	 	(1)	 	(Income-Single)

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
  

					
	RGMB 18 0106	 	(2)	 	(Income-Single)

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  

					
	RGMB 18 0106	 	(3)	 	(Income-Single)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income
payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted
and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new
rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee
Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(4)	 	(Income-Single)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	 Policy Number:
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Growth Rate Percentage:
	  	[5.00%]
	 Rider Fee Percentage:
	  	[1.05%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] day after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Growth/Death-Single)

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD 
 The total withdrawal base will accumulate using the growth rate percentage as described in this Article.
The growth period the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base.

 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under
this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following
the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  

					
	RGMB 18 0106	 	(2)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy
minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

 

					
	RGMB 18 0106	 	(3)	 	(Income/Growth/Death-Single)

 ARTICLE II CONTINUED 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider
is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period”
above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period; 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The Growth Period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is
the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time.

 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary)
may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum
annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies
before the minimum remaining withdrawal amount equals zero, the annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
  

					
	RGMB 18 0106	 	(4)	 	(Income/Growth/Death-Single)

 ARTICLE III CONTINUED 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider
anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated
based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(5)	 	(Income/Growth/Death-Single)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Rider Fee Percentage:	  	[1.05%]
	Annuitant:	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]
	Annuitant’s Spouse:	  	[Jane Doe]
	Annuitant’s Spouse’s Issue Age/Sex:	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or the annuitant’s
spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which
this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider
will result in the loss of all benefits provided by the rider. 
 If you elect this rider [100%] of your policy value must be in one or more of the
designated funds. You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a
transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the
rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner.
The only living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 18 0106	 	(1)	 	(Income/Death-Joint)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM
WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy
value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is
determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday.

  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 -64]
	  	[4.5%]
	 [65 -69]
	  	[5.0%]
	 [70 -74]
	  	[5.5%]
	 [75 -79]
	  	[6.0%]
	 [80 -84]
	  	[6.5%]
	 [85 -89]
	  	[7.0%]
	 [90 -94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 18 0106	 	(2)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal {as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”).

  

					
	RGMB 18 0106	 	(3)	 	(Income/Death-Joint)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the
minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any
premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual
withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 ARTICLE III  
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and
rider. No additional death benefit will be paid under this rider at this time. 
  

					
	RGMB 18 0106	 	(4)	 	(Income/Death-Joint)

 ARTICLE III CONTINUED  
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider
anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The
new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum
remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 18 0106	 	(5)	 	(Income/Death-Joint)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number:
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Rider Fee Percentage:
	  	[1.20%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]
	 Annuitant’s Spouse:
	  	[Jane Doe]
	 Annuitant’s Spouse’s Issue Age/Sex:
	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or the annuitant’s
spouse’s (as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which
this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider
will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the
designated funds. You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a
transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the
rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner.
The only living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be
deducted on each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Death-Joint-Enh)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM
WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy
value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is
determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday.

  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 20 0106	 	(2)	 	(Income/Death-Joint-Enh)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”).

  

					
	RGMB 20 0106	 	(3)	 	(Income/Death-Joint-Enh)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the
minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any
premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual
withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 NURSING
CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days.] 
 Hospital - An institution which 1) is operated
pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of registered
graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a
hospital or nursing facility due to physical ailments. 
  

					
	RGMB 20 0106	 	(4)	 	(Income/Death-Joint-Enh)

 ARTICLE II CONTINUED 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a
registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug
abuse. 
 Physician - A Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the
license. 
 Waiting Period - [12 months] from the rider date. 
 If either the annuitant or the annuitant’s spouse is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined for the elimination period, benefits from this option are
available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an increase to the “For Life” Withdrawal Percentage
(as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the qualifying person or persons are no longer confined as described above. The increase in the “For Life” Withdrawal Percentage provided
by this option will be as follows: 
  

			
	 Attained Age at

 First Withdrawal
	  	 Nursing Care Option
Increase Percentage

	[59+]	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option
will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be
an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while
qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must
be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the
“For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by
satisfying the elimination period requirement and the benefits under this option will be available. 
  

					
	RGMB 20 0106	 	(5)	 	(Income/Death-Joint-Enh)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days]
after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued
with a new rider date. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time
of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(6)	 	(Income/Death-Joint-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Growth Rate Percentage:	  	[5.00%]
	Rider Fee Percentage:	  	[1.55%]
	Annuitant:	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]
	Annuitant’s Spouse:	  	[Jane Doe]
	Annuitant’s Spouse’s Issue Age/Sex:	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Growth/Death-Joint-Enh)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage as described in this Article. The growth period is the period of time from
the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount
from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 20 0106	 	(2)	 	(Income/Growth/Death-Joint-Enh)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
  

					
	RGMB 20 0106	 	(3)	 	(Income/Growth/Death-Joint-Enh)

 ARTICLE II CONTINUED 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the
minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth
period (as described in “Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the later of the annuitant or the annuitant’s spouse’s death, we will pay an additional death benefit amount
equal to the excess, if any, of the minimum remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
  

					
	RGMB 20 0106	 	(4)	 	(Income/Growth/Death-Joint-Enh)

 ARTICLE II CONTINUED  
 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days.] 
 Hospital - An institution which
1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations
of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a
community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A
Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 Waiting Period -
[12 months] from the rider date. 
 If either the annuitant or the annuitant’s spouse is confined, due to a medical necessity, in a hospital or nursing
facility and has been so confined for the elimination period, benefits from this option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The
Nursing Care Option provides an increase to the “For Life” Withdrawal Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the qualifying person or persons are no longer confined
as described above. The increase in the “For Life” Withdrawal Percentage provided by this option will be as follows: 
  

			
	 Attained Age at

 First Withdrawal
	  	 Nursing Care Option

 Increase Percentage

	[59+]	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
  

					
	RGMB 20 0106	 	(5)	 	(Income/Growth/Death-Joint-Enh)

 ARTICLE II CONTINUED 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example
above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been
met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility
administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the “For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision
previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by satisfying the elimination period requirement and the benefits under this option will be available. 
 ARTICLE III  
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the
surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time. 
 RIDER UPGRADE

 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days]
after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its
own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated
based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(6)	 	(Income/Growth/Death-Joint-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number: .
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Growth Rate Percentage:
	  	[5.00%]
	 Rider Fee Percentage:
	  	[1.40%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]
	 Annuitant’s Spouse:
	  	[Jane Doe]
	 Annuitant’s Spouse’s Issue Age/Sex:
	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Growth-Joint-Enh)

 ARTICLE I CONTINUED  
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD

 The total withdrawal base will accumulate using the growth rate percentage as described in this Article. The growth period is the period of time from
the rider date until the earlier of the first withdrawal of any amount from the policy value or the [l0th] rider anniversary. The growth rate percentage applies only to the total withdrawal base. 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we
guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death, whichever is later. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount
from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
  

					
	RGMB 20 0106	 	(2)	 	(Income/Growth-Joint-Enh)

 ARTICLE II CONTINUED  
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
  

					
	RGMB 20 0106	 	(3)	 	(Income/Growth-Joint-Enh)

 ARTICLE II CONTINUED  
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider
is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period”
above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrwal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider

 anniversary. 
 Total Withdrawal Base Adjustments

 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of
the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days.] 
 Hospital - An institution which
1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
  

					
	RGMB 20 0106	 	(4)	 	(Income/Growth-Joint-Enh)

 ARTICLE II CONTINUED 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a
registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug
abuse. 
 Physician - A Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the
license. 
 Waiting Period - [12 months] from the rider date. 
 If either the annuitant or the annuitant’s spouse is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined for the elimination period, benefits from this option are
available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an increase to the “For Life” Withdrawal Percentage
(as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the qualifying person or persons are no longer confined as described above. The increase in the “For Life” Withdrawal Percentage provided
by this option will be as follows: 
  

			
	 Attained Age at
 First Withdrawal
	  	 Nursing Care Option
 Increase Percentage

	[59 +]	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option
will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be
an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while
qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must
be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the
“For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by
satisfying the elimination period requirement and the benefits under this option will be available. 
  

					
	RGMB 20 0106	 	(5)	 	(Income/Growth-Joint-Enh)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate
Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(6)	 	(Income/Growth-Joint-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	Policy Number:	  	[12345]
	Rider Date:	  	[01/03/2006]
	Rider Fee Percentage:	  	[0.60%]
	Annuitant:	  	[John Doe]
		
	Annuitant’s Issue Age/Sex:	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 20 0106	 	(1)	 	(Income-Single-Enh)

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95+]
	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
  

					
	RGMB 20 0106	 	(2)	 	(Income-Single-Enh)

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  

					
	RGMB 20 0106	 	(3)	 	(Income-Single-Enh)

 ARTICLE II CONTINUED 
 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days.] 
 Hospital - An institution which
1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations
of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a
community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A
Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 Waiting Period -
[12 months] from the rider date. 
 If the annuitant is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined for
the elimination period, benefits from this option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an
increase to the “For Life” Withdrawal Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the annuitant is no longer confined as described above. The increase in the “For
Life” Withdrawal Percentage provided by this option will be as follows: 
  

			
	 Attained Age at
 First Withdrawal
	  	 Nursing Care Option
 Increase Percentage

	 [59+]
	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option
will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be
an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while
qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must
be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the
“For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by
satisfying the elimination period requirement and the benefits under this option will be available. 
  

					
	RGMB 20 0106	 	(4)	 	(Income-Single-Enh)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income
payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted
and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new
rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee
Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade.

 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(5)	 	(Income-Single-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT AND DEATH BENEFIT RIDER 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number:
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Rider Fee Percentage:
	  	[0.90%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Death-Single-Enh)

 ARTICLE II  
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the
attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] Jon the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
  

					
	RGMB 20 0106	 	(2)	 	(Income/Death-Single-Enh)

 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

Total Withdrawal Base 
 The total withdrawal base on the rider date
is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any
premiums added after the rider date, less any adjustments for withdrawals described below. 
  

					
	RGMB 20 0106	 	(3)	 	(Income/Death-Single-Enh)

 ARTICLE II CONTINUED 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period
- [180 days] within the last [365 days]. 
 Hospital - An institution which 1) is operated pursuant to the laws of the jurisdiction
in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of registered graduate professional nurses, 4) is supervised
by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations of the state in which it is located, 2) provides care
prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a community or assisted living center or a place mainly
for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A Doctor of Medicine or Doctor of Osteopathy who is
licensed as such and operating within the scope of the license. 
 Waiting Period - [12 months] from the rider date. 
 If the annuitant is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined for the elimination period, benefits from this
option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an increase to the “For Life” Withdrawal
Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the annuitant is no longer confined as described above. The increase in the “For Life” Withdrawal Percentage provided by this
option will be as follows: 
  

			
	 Attained Age at
 First Withdrawal
	  	 Nursing Care Option
 Increase Percentage

	[59+]	  	[100%]

  

					
	RGMB 20 0106	 	(4)	 	(Income/Death-Single-Enh)

 ARTICLE II CONTINUED 
 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this
option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of
any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life”
Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option benefit continues to be available. 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example
above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been
met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility
administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the “For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision
previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by satisfying the elimination period requirement and the benefits under this option will be available. 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the
surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time. 
 In the case of
non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to
the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional
premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the annuitant’s beneficiary will receive a death
benefit equal to the minimum remaining withdrawal amount. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age
restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee Percentage which may be higher than this
rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the
maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company
receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.

  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(5)	 	(Income/Death-Single-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 AND DEATH BENEFIT RIDER 
 This rider is issued as a
part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number:
 Rider
Date:
 Growth Rate Percentage: 
 Rider Fee Percentage:
 Annuitant:
  
 Annuitant’s Issue Age/Sex:
	 	 [12345]
 [01/03/2006]
 [5.00%]
 [1.10%]
 [John Doe]
  
 [35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Growth/Death-Single-Enh)

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD 
 The total withdrawal base will accumulate using the growth rate percentage as described in this Article.
The growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base.

 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under
this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following
the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  

					
	RGMB 20 0106	 	(2)	 	(Income/Growth/Death-Single-Enh)

 ARTICLE II CONTINUED 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy
minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Minimum Remaining Withdrawal Amount 
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The
minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider is added in the first policy year). The minimum remaining withdrawal amount after the rider date is equal to the minimum
remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements, if any) less any adjustments for withdrawals (as described under “Minimum Withdrawal Amount Adjustments”
below). 
 Minimum Remaining Withdrawal Amount Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount
will reduce the minimum remaining withdrawal amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

 

					
	RGMB 20 0106	 	(3)	 	(Income/Growth/Death-Single-Enh)

 ARTICLE II CONTINUED 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider
is added in the first policy year). 
 The total withdrawal base during the growth period (as described in “Growth Benefit and Growth Period”
above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date; plus 

  

	 	B)	any premiums added during the growth period; 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period; less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The Growth Period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

	 	1)	is the excess gross partial withdrawal amount; and 

  

	 	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 Death Benefit 
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum
remaining withdrawal amount over the base policy death benefit and this rider will then terminate. 
  

					
	RGMB 20 0106	 	(4)	 	(Income/Growth/Death-Single-Enh)

 ARTICLE II CONTINUED 
 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days]. 
 Hospital - An institution which
1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations
of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a
community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A
Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 Waiting Period -
[12 months]from the rider date. 
 If the annuitant is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined for
the elimination period, benefits from this option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an
increase to the “For Life” Withdrawal Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the annuitant is no longer confined as described above. The increase in the “For
Life” Withdrawal Percentage provided by this option will be as follows: 
  

			
	 Attained Age
at
First Withdrawal
	  	 Nursing Care Option
Increase
Percentage

	[59+]	  	[l00%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option
will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example above, if the qualifications are met with 90 days remaining in the calendar year, then the additional 5.5% will be prorated to be
an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while
qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must
be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the
“For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by
satisfying the elimination period requirement and the benefits under this option will be available. 
  

					
	RGMB 20 0106	 	(5)	 	(Income/Growth/Death-Single-Enh)

 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. No additional death benefit will be paid under this rider at this time. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider
instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made
per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the
annuitant’s beneficiary will receive a death benefit equal to the minimum remaining withdrawal amount. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate
Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the minimum remaining withdrawal amount will also be upgraded to the policy value and the maximum annual withdrawal amount will be recalculated
based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office. 
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(6)	 	(Income/Growth/Death-Single-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT PLUS GROWTH 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number:
	  	[12345]
	 Rider Date:
	  	[01/03/2006]
	 Growth Rate Percentage:
	  	[5.00%]
	 Rider Fee Percentage:
	  	[0.80%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached is assigned or if the owner is changed without our approval.
You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You can generally transfer between the designated funds as permitted
under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above,
prior to making the transfer. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall
have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Rider Anniversary

 The anniversary of the rider date. 
 Rider Fee

 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be
deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have
elapsed since it was last deducted. 
 Rider Year 
 Each
twelve-month period following the rider date. 
  

					
	RGMB 20 0106	 	(1)	 	(Income/Growth-Single-Enh)

 ARTICLE II 
 GROWTH BENEFIT AND GROWTH PERIOD 
 The total withdrawal base will accumulate using the growth rate percentage as described in this Article.
The growth period is the period of time from the rider date until the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary. The growth rate percentage applies only to the total withdrawal base.

 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under
this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The “For Life” Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following
the annuitant’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
 Percentage

	[59 - 64]	  	[4.5%]
	[65 - 69]	  	[5.0%]
	[70 - 74]	  	[5.5%]
	[75 - 79]	  	[6.0%]
	[80 - 84]	  	[6.5%]
	[85 - 89]	  	[7.0%]
	[90 - 94]	  	[7.5%]
	[95 +]	  	[8.0%]

 If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st
following the annuitant’s [59th] birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy
value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a
manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  

					
	RGMB 20 0106	 	(2)	 	(Income/Growth-Single-Enh)

 ARTICLE II CONTINUED 
 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy
minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where:

  

	1)	is A multiplied by B where; 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage
will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). 
 The total withdrawal base during the growth period (as described in Growth Benefit and Growth Period” above) is equal to: 
  

	 	A)	the total withdrawal base on the rider date, plus 

  

	 	B)	any premiums added during the growth period, 

  

	 	C)	all of which are accumulated daily to the end of the growth period at an annual effective rate equal to the growth rate percentage shown on page 1. 

 The total withdrawal base after the growth period is equal to: 
  

	 	A)	the total withdrawal base at the end of the growth period, plus 

  

	 	B)	any premiums added after the growth period, less 

  

	 	C)	any adjustments for withdrawals (as described under “Total Withdrawal Base Adjustments” below) including the withdrawal at the end of the growth period, if any.

 The growth period stops upon or at the earlier of the first withdrawal of any amount from the policy value or the [10th] rider anniversary.

 Total Withdrawal Base Adjustments 
 Gross partial
withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where:

  

					
	RGMB 20 0106	 	(3)	 	(Income/Growth-Single-Enh)

 ARTICLE II CONTINUED 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period -[180 days] within the last [365 days.] 
 Hospital - An institution which 1)
is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations
of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a
community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A
Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 Waiting Period
-[12 months] from the rider date. 
 If the annuitant is confined, due to a medical necessity, in a hospital or nursing facility and has been so confined
for the elimination period, benefits from this option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The Nursing Care Option provides an
increase to the “For Life” Withdrawal Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the annuitant is no longer confined as described above. The increase in the “For
Life” Withdrawal Percentage provided by this option will be as follows: 
  

			
	 Attained Age at
 First Withdrawal
	  	 Nursing Care Option
 Increase Percentage

	[59+]	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
  

					
	RGMB 20 0106	 	(4)	 	(Income/Growth-Single-Enh)

 ARTICLE II CONTINUED 
 If the Nursing Care Option Increase Percentage for attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life”
Withdrawal Percentage of 11.0% while the Nursing Care Option benefit continues to be available. 
 For the remainder of the calendar year in which
qualifications are met, the additional benefit provided by this option will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example above, if the qualifications are met with 90 days
remaining in the calendar year, then the additional 5.5% will be prorated to be an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been met at the beginning of the year, the full
increase as provided by this option, 5.5% in the example, will be awarded while qualifications continue to be satisfied. 
 We will require confirmation of
confinement while benefits are being received. Confirmation of confinement must be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility administrator and any other information
deemed necessary by us to confirm confinement. When confinement has ceased, the “For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision previously described in this Article. If
confinement ceases and the rider remains active, you may re-qualify by satisfying the elimination period requirement and the benefits under this option will be available. 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the
policy and rider. 
 In the case of non-spousal joint owners where an owner who is not the annuitant dies, the surviving owner (who is also the sole
designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income payments must begin no later than 1 year after the owner’s death and will be
equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no additional withdrawals will be paid. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total
withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and
a new rider with the same features will be issued with a new rider date. The new rider will have its own Growth Rate Percentage which may be lower than this rider’s Growth Rate Percentage. The new rider will have its own Rider Fee Percentage
which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be recalculated based
on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a written form
acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(5)	 	(Income/Growth-Single-Enh)

			
	

	  	 Home Office:
 [4333 Edgewood Road N.E.]
 [Cedar Rapids, Iowa 52499]
 [(319)398-8511]

  

 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity
or the group certificate if the rider is attached to a group annuity. 
  

			
	Rider Data Specification
		
	 Policy Number:
	  	[l2345]
	 Rider Date:
	  	[01/03/2006]
	 Rider Fee Percentage:
	  	[0.95%]
	 Annuitant:
	  	[John Doe]
		
	 Annuitant’s Issue Age/Sex:
	  	[35 / Male]
	 Annuitant’s Spouse:
	  	[Jane Doe]
	 Annuitant’s Spouse’s Issue Age/Sex:
	  	[35 / Female]

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached is assigned or if the owner is changed without our approval. You can terminate this rider within [30 days] after the [first] rider anniversary and [30 days] after each rider anniversary thereafter. Termination of the rider will result in
the loss of all benefits provided by the rider. 
 If you elect this rider, [100%] of your policy value must be in one or more of the designated funds. You
can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force. If you wish to make a transfer to a
non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 The annuitant’s spouse as of the rider date is
hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse can not be changed. The annuitant’s spouse must be the sole primary beneficiary and/or a joint owner. The only
living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 A rider fee will be deducted on
each rider anniversary and upon rider termination as described below. 
  

					
	RGMB 20 0106	 	(1)	 	(Income-Joint-Enh)

 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your
policy value as a result of each partial withdrawal. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
 Rider Year 
 Each twelve-month period following the rider date.

 ARTICLE II 
 FOR LIFE GUARANTEED MINIMUM
WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy
value, until the later of the annuitant’s or the annuitant’s spouse’s death. 
 The “For Life” Withdrawal Percentage is determined
by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living spouse’s [59th] birthday: 
  

			
	 Attained Age at
 First Withdrawal
	  	 “For Life” Withdrawal
Percentage

	 [59 - 64]
	  	[4.5%]
	 [65 - 69]
	  	[5.0%]
	 [70 - 74]
	  	[5.5%]
	 [75 - 79]
	  	[6.0%]
	 [80 - 84]
	  	[6.5%]
	 [85 - 89]
	  	[7.0%]
	 [90 - 94]
	  	[7.5%]
	 [95 +]
	  	[8.0%]

 If the younger of the annuitant and the annuitant’s spouse is not yet [59] on the rider date, then this
percentage will be zero until the January 1st following the younger of the living spouse’s [59th] birthday. 
 Withdrawals will reduce the policy
value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider
can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum
annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on the rider date,
this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

					
	RGMB 20 0106	 	(2)	 	(Income-Joint-Enh)

 ARTICLE II CONTINUED 
  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the
amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal
Base Adjustments” below). 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be
reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” Withdrawal Percentage as determined and shown above. If the younger of the annuitant or the annuitant’s spouse is not yet [59] on January 1st
of the current calendar year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

					
	RGMB 20 0106	 	(3)	 	(Income-Joint-Enh)

 ARTICLE II CONTINUED 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

 NURSING CARE OPTION 
 Definitions applicable to this option: 
 Elimination Period - [180 days] within the last [365 days.] 
 Hospital - An institution which
1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of
registered graduate professional nurses, 4) is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 Medical Necessity - Confinement prescribed by a physician based on the individual’s inability to sustain themselves outside of a hospital or
nursing facility due to physical ailments. 
 Nursing Facility - A facility which 1) is operated pursuant to the laws and regulations
of the state in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24-hour basis, and 3) is not primarily a hospital, a home for the aged, a retirement home, a rest home, a
community or assisted living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 Physician - A
Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 Waiting Period -
[12 months] from the rider date. 
 If either the annuitant or the annuitant’s spouse is confined, due to a medical necessity, in a hospital or nursing
facility and has been so confined for the elimination period, benefits from this option are available provided that the waiting period requirement has been satisfied. The elimination period and waiting period do not need to occur consecutively. The
Nursing Care Option provides an increase to the “For Life” Withdrawal Percentage (as described in the For Life Guaranteed Minimum Withdrawal Benefit provision of this Article), until the qualifying person or persons are no longer confined
as described above. The increase in the “For Life” Withdrawal Percentage provided by this option will be as follows: 
  

			
	 Attained Age at
 First Withdrawal
	  	 Nursing Care Option
 Increase Percentage

	 [59+]
	  	[100%]

 As an example of the Nursing Care Option benefit, assume that the first withdrawal under the rider was taken at
attained age 72 and the applicable “For Life” Withdrawal Percentage is 5.5%. If the qualification conditions for this option are met at any later date, then the “For Life” Withdrawal Percentage will be increased by the Nursing
Care Option Increase Percentage applicable for attained age 72. The applicable attained age is based on the first withdrawal of any amount from the policy value under the rider itself, and is not based on any withdrawal under the Nursing Care
Option, unless that withdrawal is also the first withdrawal of any policy value under the rider itself. 
 If the Nursing Care Option Increase Percentage for
attained age 72 is 100%, then the Nursing Care Option benefit provides an additional 5.5% to the “For Life” Withdrawal Percentage resulting in a total “For Life” Withdrawal Percentage of 11.0% while the Nursing Care Option
benefit continues to be available. 
  

					
	RGMB 20 0106	 	(4)	 	(Income-Joint-Enh)

 ARTICLE II CONTINUED 
 For the remainder of the calendar year in which qualifications are met, the additional benefit provided by this option will be prorated based on the number of days remaining until January 1st of the next calendar year. In the example
above, if the qualifications are met with 90 days remaining. in the calendar year, then the additional 5.5% will be prorated to be an additional 1.356% determined by multiplying 5.5% by 90/365. For any calendar year in which qualifications have been
met at the beginning of the year, the full increase as provided by this option, 5.5% in the example, will be awarded while qualifications continue to be satisfied. 
 We will require confirmation of confinement while benefits are being received. Confirmation of confinement must be deemed satisfactory to us. Confirmation of confinement may be a statement from a physician or a hospital or nursing facility
administrator and any other information deemed necessary by us to confirm confinement. When confinement has ceased, the “For Life” Withdrawal Percentage will be as indicated in the For Life Guaranteed Minimum Withdrawal Benefit provision
previously described in this Article. If confinement ceases and the rider remains active, you may re-qualify by satisfying the elimination period requirement and the benefits under this option will be available. 
 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole
beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within [30 days] after the [first] rider anniversary and [30 days] after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The new rider will have its own Rider Fee
Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be
recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a
written form acceptable to the Company, to process the upgrade. 
 Signed for us at our home office.  
  

					
			
	

	 		 	

	SECRETARY	 		 	PRESIDENT

  

					
	RGMB 20 0106	 	(5)	 	(Income-Joint-Enh)

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}]]