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                                       JACKSON NATIONAL LIFE
                                           INSURANCE COMPANY  [Graphic Omitted]
                                             A STOCK COMPANY

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                     CHARITABLE REMAINDER TRUST ENDORSEMENT

THIS  ENDORSEMENT  IS MADE A PART OF THE CONTRACT TO WHICH IT IS ATTACHED AND IS
EFFECTIVE ON THE ISSUE DATE,  UNLESS ANOTHER EFFECTIVE DATE FOR THIS ENDORSEMENT
IS SHOWN BELOW. TO THE EXTENT ANY PROVISIONS  CONTAINED IN THIS  ENDORSEMENT ARE
CONTRARY TO OR INCONSISTENT  WITH THOSE OF THE CONTRACT TO WHICH IT IS ATTACHED,
THE PROVISIONS OF THIS ENDORSEMENT WILL CONTROL.

1.   Within the DEFINITIONS provision:

     a)   The following definition is added:

          "CHARITABLE  REMAINDER TRUST (CRT). A trust agreement established as a
          CRT under Section 664 of the Internal Revenue Code of 1986, as amended
          from  time to time.  The CRT must be  named  as the  Owner  and as the
          Beneficiary;  and,  once  named,  cannot  be  changed  as long as this
          endorsement is in effect."

     b)   The following definition is added:

         "PRIMARY ANNUITANT. If only one Annuitant is named, the Primary
         Annuitant is the Annuitant. If Joint Annuitants are also named, the
         Primary Annuitant is the last of the Annuitants to die."

2.   The DEATH OF ANNUITANT BEFORE INCOME DATE provision is deleted and replaced
     with the following:

     "DEATH OF ANNUITANT  BEFORE  INCOME DATE.  Upon the death of an Annuitant a
     new Annuitant cannot be named.  The death of the Primary  Annuitant will be
     treated as the death of the Owner. If a Joint Annuitant is named, the death
     benefit will not be paid upon the death of the first  Annuitant to die, but
     upon the death of the  Primary  Annuitant.  Upon the  death of the  Primary
     Annuitant  the death  benefit  will be as provided  in this  Contract or by
     endorsement, if applicable."

3.   The following provision is added to the GENERAL PROVISIONS:

     "TERMINATION OF ENDORSEMENT:  This  endorsement  will terminate the earlier
     of:

          1.   The date of termination of the Contract to which it is attached.

          2.   The date the  Company's  obligations  are met due to the death of
               the Primary Annuitant.

          3.   The date the CRT is  disqualified  to continue as a CRT under the
               Internal Revenue Code as amended."

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Qualification of the CRT is the sole responsibility of the Owner. The Owner must
immediately  notify the Company of any  disqualification,  including the date of
any disqualification.

Notwithstanding  the  endorsement  effective date,  this  endorsement  shall not
become (or remain effective) unless the CRT is (and remains)  qualified as a CRT
under the Internal Revenue Code.

Endorsement  effective  date (if  different  from Issue  Date of the  Contract):
________________________

                                        SIGNED FOR THE
                                        JACKSON NATIONAL LIFE INSURANCE COMPANY

                                        /s/ Clark P. Manning

                                        PRESIDENT AND CHIEF EXECUTIVE OFFICER


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