Document:

Form of Roth Qualified Plan Endorsement

 Exhibit 4 (F) 
 ANCHOR NATIONAL
LIFE INSURANCE COMPANY 
  
 ROTH INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT 
  
         This Endorsement amends the Contract or Certificate (“Contract”) to which it is attached so that it may
qualify as a Roth Individual Retirement Annuity (“IRA”) under Section 408(A) of the Internal Revenue Code (“Code”) and Regulations under that Section. The Endorsement may be amended from time to time to comply with changes in the
Internal Revenue Code. The Owner or Participant (“Individual”) has the right to refuse to accept any such amendment; however, We shall not be held liable for any tax consequences incurred by the Individual as a result of such refusal. In
the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is amended as follows: 
  
         1.  EXCLUSIVE BENEFIT.    The Contract is established for the exclusive benefit of the Individual or his/her beneficiaries.
The Individual’s interest in the Contract is nonforfeitable and nontransferable. 
  
         2.  (a)  MAXIMUM PERMISSABLE AMOUNT.    Except in the case of a qualified rollover contribution or a recharacterization (as defined in (f)
below), no contribution will be accepted unless it is in cash and the total of such contributions to all the Individual’s Roth IRAs for a taxable year does not exceed the applicable amount (as defined in (b) below), or the Individual’s
compensation (as defined in (h) below), if less, for that taxable year. The contribution described in the previous sentence that may not exceed the lesser of the applicable amount or the Individual’s compensation is referred to as a
“regular contribution.” A “qualified rollover contribution” is a rollover contribution that meets the requirements of § 408(d)(3) of the Internal Revenue Code, except the one-rollover-per-year rule of § 408(d)(3)(B)
does not apply if the rollover contribution is from an IRA other than a Roth IRA (a “non-Roth IRA”). Contributions may be limited under (c) through (e) below. 
  
         (b)  APPLICABLE AMOUNT.    The applicable amount is determined under (i) or (ii) below:

  
         (i)  If the Individual is under age 50, the applicable
amount is $3,000 for any taxable year beginning in 2002 through 2004, $4,000 for any taxable year beginning in 2005 through 2007 and $5,000 for any taxable year beginning in 2008 and years thereafter. 
  
         (ii)  If the Individual is 50 or older, the applicable amount is $3,500 for any
taxable year beginning in 2002 through 2004, $4,500 for any taxable year beginning in 2005, $5,000 for any taxable year beginning in 2006 through 2007 and $6,000 for any taxable year beginning in 2008 and years thereafter. 
  
 After 2008, the limits in paragraph (b)(i) and (ii) above will be adjusted by the Secretary of the Treasury for cost-of-living increases under Code §
219(b)(5)(C). Such adjustments will be in multiples of $500. 
  
         (c)  REGULAR CONTRIBUTION LIMIT.    If (i) and/or (ii) below apply, the maximum regular contribution that can be made to all the Individual’s Roth
IRAs for a taxable year is the smaller amount determined under (i) or (ii). 
  
         (i)  The maximum regular contribution is phased out ratably between certain levels of modified adjusted gross income (“modified AGI,” defined in (g) below) in
accordance with the following table: 
  
 
	 Filing Status
 
	 	 Full Contribution
 
	 	 Phase-out Range
 Modified
AGI
 
	 	 No Contribution
 

	 Single or Head of Household
 	 	 $95,000 or less
 	 	 Between $95,000 and $110,000
 	 	 $110,000 or more
 
	 Joint Return or Qualifying Widow(er)
 	 	 $150,000 or less
 	 	 Between $150,000 and $160,000
 	 	 $160,000 or more
 
	 Married—Separate Return
 	 	 $0
 	 	 Between $0 and $10,000
 	 	 $10,000 or more
 

 
  
         If the Individual’s modified AGI for
a taxable year is in the phase-out range, the maximum regular contribution determined under this table for that taxable year is rounded up to the next multiple of $10 and is not reduced below $200. 
  
         (ii)  If the Individual makes regular contributions to both Roth and non-Roth
IRAs for a taxable year, the maximum regular contribution that can be made to all the Individual’s Roth IRAs for that taxable year is reduced by the regular contributions made to the Individual’s non-Roth IRAs for the taxable year.

 
 1 

  
         (d)  QUALIFIED ROLLOVER
CONTRIBUTION LIMIT.    A rollover from a non-Roth IRA cannot be made to this IRA if, for the year the amount is distributed from the non-Roth IRA, (i) the Individual is married and files a separate return, (ii) the Individual is
not married and has modified AGI in excess of $100,000 or (iii) the Individual is married and together the Individual and the Individual’s spouse have modified AGI in excess of $100,000. For purposes of the preceding sentence, a husband and
wife are not treated as married for a taxable year if they have lived apart at all times during that taxable year and file separate returns for the taxable year. 
  
         (e)  SIMPLE IRA LIMITS.    No contributions will be accepted under a SIMPLE IRA plan established by any employer pursuant
to § 408(p). Also, no transfer or rollover of funds attributable to contributions made by a particular employer under its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is, an IRA used in conjunction with a SIMPLE IRA plan, prior to
the expiration of the 2-year period beginning on the date the Individual first participated in that employer’s SIMPLE IRA plan. 
  
         (f)  RECHARACTERIZATION.    A regular contribution to a non-Roth IRA may be recharacterized pursuant to the rules in § 1.408A-5 of the
regulations as a regular contribution to this IRA, subject to the limits in (c) above. 
  
         (g)  MODIFIED AGI.    For purposes of (c) and (d) above, an Individual’s modified AGI for a taxable year is defined in § 408A(c)(3)(C)(i) and
does not include any amount included in adjusted gross income as a result of a rollover from a non-Roth IRA (a “conversion”). 
  
         (h)  COMPENSATION.    For purposes of (a) above, compensation is defined as wages, salaries, professional fees, or other amounts derived from or
received for personal services actually rendered (including, but not limited to commissions paid salesmen, compensation for services on the basis of a percentage of profits, commissions on insurance premiums, tips, and bonuses) and includes earned
income, as defined in § 401(c)(2) (reduced by the deduction the self-employed Individual takes for contributions made to a self-employed retirement plan). For purposes of this definition, § 401(c)(2) shall be applied as if the term trade
or business for purposes of § 1402 included service described in subsection (c)(6). Compensation does not include amounts derived from or received as earnings or profits from property (including but not limited to interest and dividends) or
amounts not includible in gross income. Compensation also does not include any amount received as a pension or annuity or as deferred compensation. The term “compensation” shall include any amount includible in the Individual’s gross
income under § 71 with respect to a divorce or separation instrument described in subparagraph (A) of § 71(b)(2). In the case of a married Individual filing a joint return, the greater compensation of his or her spouse is treated as his or
her own compensation, but only to the extent that such spouse’s compensation is not being used for purposes of the spouse making a contribution to a Roth IRA or a deductible contribution to a non-Roth IRA. 
  
         3.  No amount is required to be distributed prior to the death of the Individual
for whose benefit the contract was originally established. 
  
         4.  (a)  Notwithstanding any provision of this IRA to the contrary, the distribution of the Individual’s interest in the IRA shall be made in accordance with
the requirements of Code § 408(b)(3), as modified by § 408A(c)(5), and the regulations thereunder, the provisions of which are herein incorporated by reference. If distributions are not made in the form of an annuity on an irrevocable
basis (except for acceleration), then distribution of the interest in the IRA (as determined under section 4c must satisfy the requirements of Code § 408(a)(6), as modified by § 408A(c)(5), and the regulations thereunder, rather than the
distribution rules in paragraphs (b), (c), (d) and (e) below. 
  
         (b)  Upon the death of the Individual, his or her entire interest will be distributed at least as rapidly as follows: 
  

        (i)  If the designated beneficiary is someone other than the Individual’s surviving spouse, the entire
interest will be distributed, starting by the end of the calendar year following the calendar year of the Individual’s death, over the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age
of the beneficiary as of his or her birthday in the year following the year of the Individual’s death, or, if elected, in accordance with paragraph (b)(iii) below. 
  
         (ii)  If the Individual’s sole designated beneficiary is the Individual’s surviving spouse, the entire
interest will be distributed, starting by the end of the calendar year following the calendar year of the Individual’s death (or by the end of the calendar year in which the Individual would have attained age 701⁄2, if later), over such
spouse’s life, or, if elected, in accordance with paragraph (b)(iii) below. If the surviving spouse dies before 

 
 2 

 required distributions commence to him or her, the remaining interest will be distributed, starting by the end of the
calendar year following the calendar year of the spouse’s death, over the spouse’s designated beneficiary’s remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following the
death of the spouse, or, if elected, will be distributed in accordance with paragraph (b)(iii) below. If the surviving spouse dies after required distributions commence to him or her, any remaining interest will continue to be distributed under the
contract option chosen. 
  
         (iii)  If there is no
designated beneficiary, or if applicable by operation of paragraph (b)(i) or (b)(ii) above, the entire interest will be distributed by the end of the calendar year containing the fifth anniversary of the Individual’s death (or of the
spouse’s death in the case of the surviving spouse’s death before distributions are required to begin under paragraph (b)(ii) above). 
  
         (iv)  Life expectancy is determined using the Single Life Table in Q&A-1 of § 1.401(a)(9)-9 of the Income Tax Regulations. If
distributions are being made to a surviving spouse as the sole designated beneficiary, such spouse’s remaining life expectancy for a year is the number in the Single Life Table corresponding to such spouse’s age in the year. In all other
cases, remaining life expectancy for a year is the number in the Single Life Table corresponding to the beneficiary’s age in the year specified in paragraph (b)(i) or (ii) and reduced by 1 for each subsequent year. 
  
         (c)  The “interest” in the IRA includes the amount of any outstanding
rollover, transfer and recharacterization under Q&As-7 and -8 of § 1.408-8 of the Income Tax Regulations and the actuarial value of any other benefits provided under the IRA, such as guaranteed death benefits. 
  
         (d)  For purposes of paragraph (b)(ii) above, required distributions are
considered to commence on the date distributions are required to begin to the surviving spouse under such paragraph. However, if distributions start prior to the applicable date in the preceding sentence, on an irrevocable basis (except for
acceleration) under an annuity contract meeting the requirements of § 1.401(a)(9)-6T of the Temporary Income Tax Regulations, then required distributions are considered to commence on the annuity starting date. 
  
         (e)  If the sole designated beneficiary is the Individual’s surviving
spouse, the spouse may elect to treat the IRA as his or her own IRA. This election will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. 

 
         5.  The Contract does not require fixed contributions. 

 
         Any refund of premiums (other than those attributable to excess contributions)
arising under the Contract will be applied before the close of the calendar year following the year of the refund as contributions toward the Contract. 
  
         6.  The issuer of a Roth individual retirement annuity shall furnish annual calendar year reports concerning the status of the annuity.

  
         7.  In the absence of federal legislative action, one
or more of the provisions of the Code that are reflected in this Endorsement will automatically expire on January 1, 2011. In the event of such automatic expiration, such provisions shall cease to apply under this Endorsement. 

 
         In the event of any conflict between the terms of this Contract and any sections of the Code
applicable to Code Section 408A annuities, the Code will govern. The Company is not liable for any tax or tax penalties paid by any party resulting from failure to comply with the Code and any rulings, regulations, and requirements thereunder
relating to this Contract. The Company may amend this Endorsement or the Contract to which it is attached at any time and from time to time to conform to applicable changes in the Code or state insurance laws, and any rulings, regulations, or
requirements promulgated thereunder 
  
         All other terms and conditions of the Contract
remain unchanged. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
  
 
	 
	 By:
 	 	 /s/    CHRISTINE A, NIXON
        
 
	 	  	 	 By:
 	 	 /s/    JAN W. GREER        

	  	 	 Christine A, Nixon
 Secretary
 	 	  	 	  	 	 Jana W. Greer
 President
 

 

 
 3Form of SEP Qualified Plan Endorsement

  
 Exhibit 4(g) 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT 
  
 This Endorsement amends the Contract or
Certificate (“Contract”) to which it is attached so that it may qualify as an Individual Retirement Annuity (IRA) under Section 408(b) of the Internal Revenue Code (Code) and the Regulations under that Section. The endorsement may be
amended from time to time to comply with changes in the Internal Revenue Code. The Owner or Participant (“Owner”) has the right to refuse to accept any such amendment; however, We shall not be held liable for any tax consequences incurred
by the Owner as a result of such refusal. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The effective date of this Endorsement is the Contract Date shown on the Contract Data Page. The
Contract is amended as follows: 
  
 1.  The Owner, Annuitant and Payee shall be the same
individual. The Owner, Annuitant and Payee cannot be changed, except as otherwise permitted under the Code and applicable regulations. All distributions made while the Owner is alive must be made to the Owner. 
  
 2.  The interest of the Owner under this Contract shall be nonforfeitable except as provided by law.

  
 3.  This Contract may not be sold, assigned, discounted, pledged as collateral for a
loan or as security for the performance of any obligation or for any other purpose, or otherwise transferred (other than a transfer incident to a divorce or separation instrument in accordance with Section 408(d)(6) of the Code) to any person other
than to the Company. 
  
 4.  This Contract is established for the exclusive benefit of the
Owner and his or her Beneficiary(ies). 
  
 5.  Purchase Payment(s) are flexible. You may
change the amounts, frequency and/or timing of Purchase Payments. 
  
 6.  (a)  Except in the case of a rollover contribution (as permitted by Code§§ 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3) and 457(e)(16)) or a contribution made in accordance with the
terms of a Simplified Employee Pension (SEP) as described in § 408(k), no contributions will be accepted unless they are in cash, and the total of such contributions shall not exceed: 
  
 (1)  $3,000 for any taxable year beginning in 2002 through 2004; 
 (2)  $4,000 for any taxable year beginning in 2005 through 2007; and 
 (3)  $5,000 for any taxable year beginning in 2008 and years thereafter. 
  
 After 2008,
the limit will be adjusted by the Secretary of the Treasury for cost-of-living increases under Code § 219(b)(5)(C). Such adjustments will be in multiples of $500. 
  
 (b)  In the case of an individual who is age 50 or older, the annual cash contribution limit is increased by: 
  
 (1)  $500 for any taxable year beginning in 2002 through 2005; and 
 (2)  $1,000 for any taxable year beginning in 2006 and years thereafter. 
  
 (c)  No contributions will be accepted under a SIMPLE IRA plan established by any employer pursuant to § 408(p). Also, no transfer or
rollover of funds attributable to contributions made by a particular employer under its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is, 
  

 
 1 

 an IRA used in conjunction with a SIMPLE IRA plan, prior to the expiration of the 2-year period beginning on the date the
Owner first participated in that employer’s SIMPLE IRA plan. 
  
 7.  Any refund of
premiums (other than those attributable to excess contributions) will be applied, before the close of the calendar year following the year of the refund, toward the payment of future premiums or the purchase of additional benefits. 

 
 8.  (a) Notwithstanding any provision of this IRA to the contrary, the distribution of the
Owner’s interest in the IRA shall be made in accordance with the requirements of Code § 408(b)(3) and the regulations thereunder, the provisions of which are herein incorporated by reference. If distributions are not made in the form of an
annuity on an irrevocable basis (except for acceleration), then distribution of the interest in the IRA (as determined under section 9 (c)) must satisfy the requirements of Code § 408(a)(6) and the regulations thereunder, rather than paragraphs
(b), (c) and (d) below and section 9. 
  
 (b) The entire interest of the Owner for whose
benefit the Contract is maintained will commence to be distributed no later than the first day of April following the calendar year in which such Owner attains age 701⁄2 (the “required beginning date”) over: (a) the life of such
individual or the lives of such individual and his or her designated beneficiary or (b) a period certain not extending beyond the life expectancy of such individual or the joint and last survivor expectancy of such individual and his or her
designated beneficiary. Payments must be made in periodic payments at intervals of no longer than 1 year and must be either nonincreasing or they may increase only as provided in Q&As-1 and -4 of § 1.401(a)(9)-6T of the Temporary Income Tax
Regulations. In addition, any distribution must satisfy the incidental benefit requirements specified in Q&A-2 of § 1.401(a)(9)-6T. 
  
 (c) The distribution periods described in paragraph (b) above cannot exceed the periods specified in § 1.401(a)(9)-6T of the Temporary Income Tax Regulations. 
  
 (d) The first required payment can be made as late as April 1 of the year following the year the individual attains age
701⁄2 and must be the payment that is required for one payment interval. The second payment need not be made until the end of the next payment interval. 
  
 9.  Unless otherwise permitted under applicable law, upon the death of the Owner: 
  
 (a) Death On or After Required Distributions Commence. If the Owner dies on or after required distributions commence, the remaining portion of his or her
interest will continue to be distributed under the Contract option chosen. 
  
 (b) Death Before
Required Distributions Commence. If the Owner dies before required distributions commence, his or her entire interest will be distributed at least as rapidly as follows: 
  
 (1)  If the designated beneficiary is someone other than the Owner’s surviving spouse, the entire interest will be distributed, starting by
the end of the calendar year following the calendar year of the Owner’s death, over the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age of the beneficiary as of his or her birthday in
the year following the year of the Owner’s death, or, if elected, in accordance with paragraph (b)(3) below. 
  
 (2)  If the Owner’s sole designated beneficiary is the Owner’s surviving spouse, the entire interest will be distributed, starting by the end of the calendar year following the calendar year of the
Owner’s death (or by the end of the calendar year in which the Owner would have attained age 701⁄2, if later), over such spouse’s life, or, if elected, in accordance with paragraph (b)(3) below. 

 
 2 

 If the surviving spouse dies before required distributions commence to him or her, the remaining interest will be
distributed, starting by the end of the calendar year following the calendar year of the spouse’s death, over the spouse’s designated beneficiary’s remaining life expectancy determined using such beneficiary’s age as of his or
her birthday in the year following the death of the spouse, or, if elected, will be distributed in accordance with paragraph (b)(3) below. If the surviving spouse dies after required distributions commence to him or her, any remaining interest will
continue to be distributed under the Contract option chosen. 
  
 (3)  If there is no
designated beneficiary, or if applicable by operation of paragraph (b)(1) or (b)(2) above, the entire interest will be distributed by the end of the calendar year containing the fifth anniversary of the Owner’s death (or of the spouse’s
death in the case of the surviving spouse’s death before distributions are required to begin under paragraph (b)(2) above). 
  
 (4)  Life expectancy is determined using the Single Life Table in Q&A-1 of § 1.401(a)(9)-9 of the Income Tax Regulations. If distributions are being made to a surviving spouse as the
sole designated beneficiary, such spouse’s remaining life expectancy for a year is the number in the Single Life Table corresponding to such spouse’s age in the year. In all other cases, remaining life expectancy for a year is the number
in the Single Life Table corresponding to the beneficiary’s age in the year specified in paragraph (b)(1) or (2) and reduced by 1 for each subsequent year. 
  
 (c) The “interest” in the IRA includes the amount of any outstanding rollover, transfer and recharacterization under Q&As-7 and -8 of §
1.408-8 of the Income Tax Regulations and the actuarial value of any other benefits provided under the IRA, such as guaranteed death benefits. 
  
 (d) For purposes of paragraphs (a) and (b) above, required distributions are considered to commence on the Owner’s required beginning date or, if applicable, on the date distributions are required
to begin to the surviving spouse under paragraph (b)(2) above. However, if distributions start prior to the applicable date in the preceding sentence, on an irrevocable basis (except for acceleration) under an annuity contract meeting the
requirements of § 1.401(a)(9)-6T of the Temporary Income Tax Regulations, then required distributions are considered to commence on the annuity starting date. 
  
 (e) If the sole designated beneficiary is the Owner’s surviving spouse, the spouse may elect to treat the IRA as his or her own IRA. This election will
be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. 
  
 10.  The Company shall furnish annual calendar year reports concerning the status of the annuity and such information concerning minimum required distributions as is prescribed by the
Commissioner of Internal Revenue. 
  
 11.  The MISSTATEMENT OF AGE OR SEX section of the
Contract is deleted and replaced by the following section entitled MISSTATEMENT OF AGE: 
  
 MISSTATEMENT OF AGE

 If the Age of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age according to Our rates in effect on the
date that annuity payments were determined. Any overpayment from the Fixed Annuity Payments, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the Fixed Annuity Payments, plus interest at
the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios (“Subaccounts”) will be deducted 
  

 
 3 

 from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment
due. 
  
 12.  The PROOF OF AGE, SEX OR SURVIVAL section of the Contract is deleted and
replaced by the following section entitled PROOF OF AGE AND SURVIVAL. 
  
 PROOF OF AGE AND SURVIVAL. We may require
satisfactory proof of correct age at anytime. If any payment under this Contract depends on the Annuitant being alive, we may require satisfactory proof of survival. 
  
 13.  Except to the extent Treasury regulations allow Us to offer additional Annuity Payment Options that are acceptable to Us, only Annuity
Payment Options as described in the Contract shall be offered unless We consent to the use of an additional option. 
  
 Any additional Annuity Payment Option under the Contract must meet the requirements of section 408(b) of the Code and applicable regulations. The provisions of this Endorsement reflecting the requirements of Code Sections 401(a)(9)
and 408(b) override any additional Annuity Payment Option inconsistent with such requirements. 
  
 If a guaranteed or
specified period of payments is chosen under an Annuity Payment Option, the length of the period must not exceed the shorter of (1) the Owner’s life expectancy, or if a designated second person is named, the joint and last survivor expectancy
of the Owner and the designated second person, and (2) the applicable maximum period under Section 1.401(a)(9)-2 of the Income Tax Regulations. 
  
 14.  If you return the Contract within 10 days after the Contract Date, the Company will refund the amount of your Purchase Payments, without adjustment for such items as sales commissions,
administrative expenses, and fluctuation in market value for the Valuation Period in which the Contract is received. We reserve the right to allocate your Purchase Payment(s) to the Cash Management Subaccount or the Money Market Portfolio, whichever
is applicable until the end of the Right to Examine or Right to Cancel period. Thereafter, allocations will be made as You have specified and/or shown on the Contract Data Page. 
  
 15.  The provisions of this Endorsement are intended to comply with the requirements of the Code and applicable regulations for IRAs under Section
408(b) of the Code. The Company reserves the right to amend the Contract and this Endorsement from time to time when such amendment is necessary to assure continued qualification of the Contract as an IRA under Section 408(b) of the Code (and any
successor provision) as in effect from time to time. The Owner has the right to refuse to accept any such amendment; however, we shall not be held liable for any tax consequences incurred by the Owner as a result of such refusal. 

 
 16.  The tables in the Annuity Payment Options section of the Contract are deleted and replaced by
the following: 

 
 4 

  
 FIXED ANNUITY PAYMENT OPTIONS TABLE 
  
 OPTIONS 1 & 4—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 
	 Age of
             Annuitant            
 
	 	 Option 1
 Life
Annuity
 
	  	 Option 4
 Life
Annuity
 (w/120 payments
 guaranteed)
 
	  	 Option 4
 Life
Annuity
 (w/240 payments
 guaranteed)
 

	 55
 	 	   4.04
 	  	 4.00
 	  	 3.90
 
	 56
 	 	   4.11
 	  	 4.08
 	  	 3.96
 
	 57
 	 	   4.19
 	  	 4.15
 	  	 4.02
 
	 58
 	 	   4.28
 	  	 4.23
 	  	 4.09
 
	 59
 	 	   4.37
 	  	 4.32
 	  	 4.15
 
	 60
 	 	   4.47
 	  	 4.41
 	  	 4.22
 
	 61
 	 	   4.57
 	  	 4.50
 	  	 4.29
 
	 62
 	 	   4.68
 	  	 4.61
 	  	 4.36
 
	 63
 	 	   4.80
 	  	 4.71
 	  	 4.43
 
	 64
 	 	   4.93
 	  	 4.82
 	  	 4.50
 
	 65
 	 	   5.07
 	  	 4.94
 	  	 4.57
 
	 66
 	 	   5.21
 	  	 5.07
 	  	 4.64
 
	 67
 	 	   5.37
 	  	 5.20
 	  	 4.72
 
	 68
 	 	   5.53
 	  	 5.34
 	  	 4.79
 
	 69
 	 	   5.71
 	  	 5.48
 	  	 4.86
 
	 70
 	 	   5.90
 	  	 5.63
 	  	 4.92
 
	 71
 	 	   6.11
 	  	 5.79
 	  	 4.99
 
	 72
 	 	   6.33
 	  	 5.95
 	  	 5.05
 
	 73
 	 	   6.57
 	  	 6.13
 	  	 5.11
 
	 74
 	 	   6.82
 	  	 6.30
 	  	 5.16
 
	 75
 	 	   7.10
 	  	 6.48
 	  	 5.21
 
	 76
 	 	   7.39
 	  	 6.67
 	  	 5.26
 
	 77
 	 	   7.71
 	  	 6.86
 	  	 5.30
 
	 78
 	 	   8.05
 	  	 7.05
 	  	 5.34
 
	 79
 	 	   8.42
 	  	 7.24
 	  	 5.37
 
	 80
 	 	   8.81
 	  	 7.44
 	  	 5.40
 
	 81
 	 	   9.24
 	  	 7.63
 	  	 5.42
 
	 82
 	 	   9.70
 	  	 7.82
 	  	 5.44
 
	 83
 	 	 10.19
 	  	 8.00
 	  	 5.46
 
	 84
 	 	 10.72
 	  	 8.17
 	  	 5.47
 
	 85
 	 	 11.29
 	  	 8.34
 	  	 5.49
 

 

 
 5 

  
 OPTION 2—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
 Joint
& 100% Survivor Life Annuity 
  
 
	 Age of     Annuitant    
 
	 	         Age of
Annuitant        
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.54
 	 	 3.66
 	 	 3.77
 	 	 3.85
 	 	 3.92
 	 	 3.97
 	 	 4.00
 
	 60
 	 	 3.66
 	 	 3.83
 	 	 3.99
 	 	 4.14
 	 	 4.25
 	 	 4.34
 	 	 4.39
 
	 65
 	 	 3.77
 	 	 3.99
 	 	 4.23
 	 	 4.45
 	 	 4.65
 	 	 4.80
 	 	 4.91
 
	 70
 	 	 3.85
 	 	 4.14
 	 	 4.45
 	 	 4.78
 	 	 5.10
 	 	 5.37
 	 	 5.57
 
	 75
 	 	 3.92
 	 	 4.25
 	 	 4.65
 	 	 5.10
 	 	 5.57
 	 	 6.02
 	 	 6.40
 
	 80
 	 	 3.97
 	 	 4.34
 	 	 4.80
 	 	 5.37
 	 	 6.02
 	 	 6.70
 	 	 7.35
 
	 85
 	 	 4.00
 	 	 4.39
 	 	 4.91
 	 	 5.57
 	 	 6.40
 	 	 7.35
 	 	 8.35
 

 
  
 OPTION 3—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
 Joint & 100% Survivor Life Annuity (w/120 payments guaranteed) 
  
 
	 Age of     Annuitant    
 
	 	         Age of Annuitant    
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.54
 	 	 3.66
 	 	 3.76
 	 	 3.85
 	 	 3.91
 	 	 3.96
 	 	 3.98
 
	 60
 	 	 3.66
 	 	 3.83
 	 	 3.99
 	 	 4.13
 	 	 4.24
 	 	 4.32
 	 	 4.37
 
	 65
 	 	 3.76
 	 	 3.99
 	 	 4.22
 	 	 4.44
 	 	 4.63
 	 	 4.77
 	 	 4.86
 
	 70
 	 	 3.85
 	 	 4.13
 	 	 4.44
 	 	 4.76
 	 	 5.06
 	 	 5.31
 	 	 5.47
 
	 75
 	 	 3.91
 	 	 4.24
 	 	 4.63
 	 	 5.06
 	 	 5.50
 	 	 5.89
 	 	 6.18
 
	 80
 	 	 3.96
 	 	 4.32
 	 	 4.77
 	 	 5.31
 	 	 5.89
 	 	 6.46
 	 	 6.92
 
	 85
 	 	 3.98
 	 	 4.37
 	 	 4.86
 	 	 5.47
 	 	 6.18
 	 	 6.92
 	 	 7.55
 

 
  
 OPTION 3—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request) 
 Joint & 100% Survivor Life Annuity (w/240 payments guaranteed) 
  
 
	 Age of     Annuitant    
 
	 	         Age of
Annuitant        
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.53
 	 	 3.65
 	 	 3.75
 	 	 3.82
 	 	 3.87
 	 	 3.89
 	 	 3.90
 
	 60
 	 	 3.65
 	 	 3.81
 	 	 3.96
 	 	 4.07
 	 	 4.15
 	 	 4.20
 	 	 4.21
 
	 65
 	 	 3.75
 	 	 3.96
 	 	 4.16
 	 	 4.34
 	 	 4.46
 	 	 4.53
 	 	 4.56
 
	 70
 	 	 3.82
 	 	 4.07
 	 	 4.34
 	 	 4.58
 	 	 4.76
 	 	 4.86
 	 	 4.91
 
	 75
 	 	 3.87
 	 	 4.15
 	 	 4.46
 	 	 4.76
 	 	 4.99
 	 	 5.13
 	 	 5.20
 
	 80
 	 	 3.89
 	 	 4.20
 	 	 4.53
 	 	 4.86
 	 	 5.13
 	 	 5.30
 	 	 5.38
 
	 85
 	 	 3.90
 	 	 4.21
 	 	 4.56
 	 	 4.91
 	 	 5.20
 	 	 5.38
 	 	 5.46
 

 

 
 6 

  
 OPTION 5—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 Fixed Payment for Specified Period 
  
 
	 Number of
        Years        
 
	 	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 

	  	 	  	  	 10
 	  	 9.61
 	  	 17
 	  	 6.23
 	  	 24
 	  	 4.84
 
	  	 	  	  	 11
 	  	 8.86
 	  	 18
 	  	 5.96
 	  	 25
 	  	 4.71
 
	 5
 	 	 17.91
 	  	 12
 	  	 8.24
 	  	 19
 	  	 5.73
 	  	 26
 	  	 4.59
 
	 6
 	 	 15.14
 	  	 13
 	  	 7.71
 	  	 20
 	  	 5.51
 	  	 27
 	  	 4.47
 
	 7
 	 	 13.16
 	  	 14
 	  	 7.26
 	  	 21
 	  	 5.32
 	  	 28
 	  	 4.37
 
	 8
 	 	 11.68
 	  	 15
 	  	 6.87
 	  	 22
 	  	 5.15
 	  	 29
 	  	 4.27
 
	 9
 	 	 10.53
 	  	 16
 	  	 6.53
 	  	 23
 	  	 4.99
 	  	 30
 	  	 4.18
 

 

 
 7 

  
 VARIABLE ANNUITY PAYMENT OPTIONS TABLE 
  
 OPTIONS 1v & 4v—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
  
 
	 Age of
     Annuitant    
 
	 	 Option 1v
 Life
Annuity
 
	  	 Option 4v
 Life
Annuity
 (w/120 payments
 guaranteed)
 
	  	 Option 4v
 Life
Annuity
 (w/240 payments
 guaranteed)
 

	 55
 	 	   4.33
 	  	 4.30
 	  	 4.19
 
	 56
 	 	   4.41
 	  	 4.37
 	  	 4.25
 
	 57
 	 	   4.49
 	  	 4.44
 	  	 4.31
 
	 58
 	 	   4.57
 	  	 4.52
 	  	 4.37
 
	 59
 	 	   4.66
 	  	 4.61
 	  	 4.43
 
	 60
 	 	   4.76
 	  	 4.70
 	  	 4.50
 
	 61
 	 	   4.86
 	  	 4.79
 	  	 4.56
 
	 62
 	 	   4.98
 	  	 4.89
 	  	 4.63
 
	 63
 	 	   5.09
 	  	 5.00
 	  	 4.70
 
	 64
 	 	   5.22
 	  	 5.11
 	  	 4.77
 
	 65
 	 	   5.36
 	  	 5.22
 	  	 4.84
 
	 66
 	 	   5.50
 	  	 5.35
 	  	 4.91
 
	 67
 	 	   5.66
 	  	 5.48
 	  	 4.98
 
	 68
 	 	   5.83
 	  	 5.61
 	  	 5.05
 
	 69
 	 	   6.00
 	  	 5.76
 	  	 5.12
 
	 70
 	 	   6.20
 	  	 5.91
 	  	 5.18
 
	 71
 	 	   6.40
 	  	 6.06
 	  	 5.25
 
	 72
 	 	   6.62
 	  	 6.23
 	  	 5.31
 
	 73
 	 	   6.86
 	  	 6.39
 	  	 5.36
 
	 74
 	 	   7.12
 	  	 6.57
 	  	 5.42
 
	 75
 	 	   7.39
 	  	 6.75
 	  	 5.46
 
	 76
 	 	   7.69
 	  	 6.93
 	  	 5.51
 
	 77
 	 	   8.01
 	  	 7.12
 	  	 5.55
 
	 78
 	 	   8.35
 	  	 7.31
 	  	 5.58
 
	 79
 	 	   8.72
 	  	 7.50
 	  	 5.62
 
	 80
 	 	   9.11
 	  	 7.69
 	  	 5.64
 
	 81
 	 	   9.54
 	  	 7.88
 	  	 5.67
 
	 82
 	 	 10.00
 	  	 8.07
 	  	 5.69
 
	 83
 	 	 10.50
 	  	 8.24
 	  	 5.70
 
	 84
 	 	 11.03
 	  	 8.42
 	  	 5.72
 
	 85
 	 	 11.60
 	  	 8.58
 	  	 5.73
 

 

 
 8 

  
 OPTION 2v—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 (Monthly installments for ages not shown will be furnished upon request.) 
 Joint
& 100% Survivor Life Annuity 
  
 
	 Age of     Annuitant    
 
	 	         Age of
Annuitant        
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.83
 	 	 3.95
 	 	 4.05
 	 	 4.14
 	 	 4.21
 	 	 4.26
 	 	 4.29
 
	 60
 	 	 3.95
 	 	 4.11
 	 	 4.27
 	 	 4.42
 	 	 4.53
 	 	 4.62
 	 	 4.68
 
	 65
 	 	 4.05
 	 	 4.27
 	 	 4.50
 	 	 4.73
 	 	 4.92
 	 	 5.08
 	 	 5.19
 
	 70
 	 	 4.14
 	 	 4.42
 	 	 4.73
 	 	 5.05
 	 	 5.37
 	 	 5.64
 	 	 5.85
 
	 75
 	 	 4.21
 	 	 4.53
 	 	 4.92
 	 	 5.37
 	 	 5.84
 	 	 6.29
 	 	 6.67
 
	 80
 	 	 4.26
 	 	 4.62
 	 	 5.08
 	 	 5.64
 	 	 6.29
 	 	 6.97
 	 	 7.62
 
	 85
 	 	 4.29
 	 	 4.68
 	 	 5.19
 	 	 5.85
 	 	 6.67
 	 	 7.62
 	 	 8.61
 

 
  
 OPTION 3v—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
 Joint & 100% Survivor Life Annuity (w/120 payments guaranteed) 
  
 
	 Age of
     Annuitant    
 
	 	 Age of Annuitant
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.83
 	 	 3.95
 	 	 4.05
 	 	 4.14
 	 	 4.20
 	 	 4.25
 	 	 4.27
 
	 60
 	 	 3.95
 	 	 4.11
 	 	 4.27
 	 	 4.41
 	 	 4.52
 	 	 4.60
 	 	 4.65
 
	 65
 	 	 4.05
 	 	 4.27
 	 	 4.50
 	 	 4.72
 	 	 4.91
 	 	 5.05
 	 	 5.14
 
	 70
 	 	 4.14
 	 	 4.41
 	 	 4.72
 	 	 5.03
 	 	 5.33
 	 	 5.58
 	 	 5.75
 
	 75
 	 	 4.20
 	 	 4.52
 	 	 4.91
 	 	 5.33
 	 	 5.77
 	 	 6.16
 	 	 6.45
 
	 80
 	 	 4.25
 	 	 4.60
 	 	 5.05
 	 	 5.58
 	 	 6.16
 	 	 6.72
 	 	 7.17
 
	 85
 	 	 4.27
 	 	 4.65
 	 	 5.14
 	 	 5.75
 	 	 6.45
 	 	 7.17
 	 	 7.80
 

 
  
 OPTION 3v—TABLE OF MONTHLY INSTALLMENTS PER $1,000.

 (Monthly installments for ages not shown will be furnished upon request.) 
 Joint & 100% Survivor Life Annuity (w/240 payments guaranteed) 
  
 
	 Age of     Annuitant    
 
	 	         Age of
Annuitant        
 

	 	 55
 
	 	 60
 
	 	 65
 
	 	 70
 
	 	 75
 
	 	 80
 
	 	 85
 

	 55
 	 	 3.82
 	 	 3.94
 	 	 4.03
 	 	 4.11
 	 	 4.15
 	 	 4.18
 	 	 4.19
 
	 60
 	 	 3.94
 	 	 4.09
 	 	 4.24
 	 	 4.35
 	 	 4.43
 	 	 4.47
 	 	 4.49
 
	 65
 	 	 4.03
 	 	 4.24
 	 	 4.44
 	 	 4.61
 	 	 4.73
 	 	 4.80
 	 	 4.83
 
	 70
 	 	 4.11
 	 	 4.35
 	 	 4.61
 	 	 4.84
 	 	 5.02
 	 	 5.12
 	 	 5.17
 
	 75
 	 	 4.15
 	 	 4.43
 	 	 4.73
 	 	 5.02
 	 	 5.25
 	 	 5.38
 	 	 5.45
 
	 80
 	 	 4.18
 	 	 4.47
 	 	 4.80
 	 	 5.12
 	 	 5.38
 	 	 5.55
 	 	 5.62
 
	 85
 	 	 4.19
 	 	 4.49
 	 	 4.83
 	 	 5.17
 	 	 5.45
 	 	 5.62
 	 	 5.70
 

 

 
 9 

  
 OPTION 5v—TABLE OF MONTHLY INSTALLMENTS PER $1,000. 
 Payments for a Specified Period 
  
 
	 Number of
        Years        
 
	 	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 
	  	 Number of Years
 
	  	 Monthly Payment
 

	  	 	  	  	 10
 	  	 9.83
 	  	 17
 	  	 6.47
 	  	 24
 	  	 5.09
 
	  	 	  	  	 11
 	  	 9.09
 	  	 18
 	  	 6.20
 	  	 25
 	  	 4.96
 
	 5
 	 	 18.12
 	  	 12
 	  	 8.46
 	  	 19
 	  	 5.97
 	  	 26
 	  	 4.84
 
	 6
 	 	 15.35
 	  	 13
 	  	 7.94
 	  	 20
 	  	 5.75
 	  	 27
 	  	 4.73
 
	 7
 	 	 13.38
 	  	 14
 	  	 7.49
 	  	 21
 	  	 5.56
 	  	 28
 	  	 4.63
 
	 8
 	 	 11.90
 	  	 15
 	  	 7.10
 	  	 22
 	  	 5.39
 	  	 29
 	  	 4.53
 
	 9
 	 	 10.75
 	  	 16
 	  	 6.76
 	  	 23
 	  	 5.24
 	  	 30
 	  	 4.45
 

 
  
 All other terms and conditions of the Contract remain unchanged. Signed for the Company to
be effective on the Contract Date.  
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	  	 	  	 	  
	 
	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	 /s/    JANA W.
GREER        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jana W. Greer
 President
 

 

 
 10

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}]]