Index Options Contract Schedule Addendum

Owner:[John Doe]Contract Number:[??687456]

[Joint Owner:[Jane Doe]]Issue Date:[04/15/10]

Annuitant:[John Doe]Scheduled Annuity Date:[04/15/65]

The following is replacing the applicable “Allocation Guidelines” section of the Index Options Contract Schedule.

Allocation Guidelines:

[1. Currently, you can select up to [5] of the Index Protection Strategy Index Options.

2. Currently, you can select up to [5] of the Index Performance Strategy Index Options.

3. Currently, you can select up to [5] of the Index Guard Strategy Index Options.

4. Currently, you can select up to [5] of the Index Precision Strategy Index Options.

5. Allocations must be made in whole percentages.]

The following is added to your Index Options shown on your Index Options Contract Schedule.

Index Options:

[Index Protection Strategy Index Options

Index	Minimum Declared Protection Strategy Credit for all Index Years
[iShares® MSCI Emerging Markets ETF	[1.50]%]]

[Index Performance Strategy Index Options

Index	Buffer for all Index Years	Minimum Cap for all Index Years
[iShares® MSCI Emerging Markets ETF	[10.00]%	[1.50]%]]

[Index Guard Strategy Index Options

Index	Floor for all Index Years	Minimum Cap for all Index Years
[iShares® MSCI Emerging Markets ETF	[-10.00]%	[1.50]%]]

[Index Precision Strategy Index Options

Index	Buffer for all Index Years	Minimum Precision Rate for all Index Years
[iShares® MSCI Emerging Markets ETF	[10.00]%	[1.50]%]]

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Index Options Contract Schedule Addendum continued from previous page

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