GUARANTEED MINIMUM WITHDRAWAL BENEFIT RIDER

This rider is part of Your contract. All definitions, provisions, and exceptions of the contract apply to this 

rider unless specifically changed by this rider. This rider is available only if the Owner(s) and Covered 

Lives meet our rider eligibility guidelines. 

The rider effective date is shown on the Data Page. In the event of a conflict between any provision in 

this rider and the contract, the provisions of this rider will control. The initial charge for this rider is shown 

on the Data Page. You may cancel this rider any time after it has been in force for five full Contract 

Years. 

RIDER BENEFITS 

This rider guarantees that You may take certain Withdrawals in each Contract Year for life, regardless of 

Your contract’s accumulated value, subject to the terms and conditions of this rider. 

DEFINITIONS 

COVERED LIFE or COVERED LIVES are the natural person or persons upon whose lives the 

Withdrawal Benefit Payments of this rider are based. There can be no more than two Covered Lives. 

EXCESS WITHDRAWAL is the portion of a Withdrawal that exceeds the Withdrawal Benefit 

Payment. 

OWNER is the person, including any Joint Owner, who owns all rights and privileges of this rider. If 

the Owner is not a natural person, for purposes of this rider, the term “Owner” shall mean the 

Annuitant(s). 

SPOUSE is the person recognized as the Owner’s Spouse and eligible to make a spousal election 

under federal tax laws. 

WITHDRAWAL is any partial surrender of the contract accumulated value (including Surrender 

Charges, if any) and/or any partial annuitization of the contract. 

WITHDRAWAL BENEFIT BASE (also referred to as For Life Withdrawal Benefit Base) is the amount 

on which a Withdrawal Benefit Payment is based. 

WITHDRAWAL BENEFIT PAYMENT (also referred to as For Life Withdrawal Benefit Payment) is 

any amount guaranteed to be available for Withdrawal each Contract Year. 

GUARANTEED MINIMUM WITHDRAWAL BENEFIT (GMWB) 

This rider provides for guaranteed minimum Withdrawal Benefit Payments up to an annual percentage of 

the For Life Withdrawal Benefit Base. The annual percentage is based on “Single Life” unless You have 

elected “Joint Life” Withdrawal Benefit Payments as described in “SINGLE LIFE” AND “JOINT LIFE” 

WITHDRAWAL BENEFIT PAYMENTS. 

You are not required to take Withdrawals, except as described in EFFECT ON RIDER BENEFITS IF 

CONTRACT ACCUMULATED VALUE IS ZERO. You may take Withdrawals when, and in any amount, 

You desire subject to the Minimum Unscheduled Partial Surrender amount shown on the Data Page. 

Anytime You take a Withdrawal, We adjust the For Life Withdrawal Benefit Payment and the For Life 

Withdrawal Benefit Base, as described in WITHDRAWAL BENEFIT PAYMENT CALCULATION and 

WITHDRAWAL BENEFIT BASE CALCULATION. 

Note: Although this rider does not restrict Your Withdrawal rights under the contract, You need to know 

that the amount of Withdrawals that exceed the Withdrawal Benefit Payment have a negative effect 

on this rider’s value as described in EFFECT OF EXCESS WITHDRAWALS ON RIDER 

BENEFITS. 

“SINGLE LIFE” AND “JOINT LIFE” WITHDRAWAL BENEFIT PAYMENTS
“Single Life” For Life Withdrawal Benefit Payments
The Withdrawal Benefit Payments under this rider are automatically calculated as ”Single Life”, meaning
based on one Covered Life. To be eligible for “Single Life" Withdrawal Benefit Payments, the Covered
Life:
1.	must be either:
	a.	the Owner if there is only one Owner; or
	b.	the youngest Joint Owner if there are Joint Owners; and
2.	must meet Our rider eligibility guidelines on the date named as a Covered Life.
“Single Life” Withdrawal Benefit Payments continue until the earlier of:
1.	the death of the first Owner to die; or
2.	the Withdrawal Benefit Base is zero.
The “Single Life” Withdrawal Benefit Payment percentage is locked in as of the date of Your first
Withdrawal and is set out in the table on the Data Page.
“Joint Life” For Life Withdrawal Benefit Payments
Anytime on or before Your first Withdrawal, You may elect to take Withdrawal Benefit Payments on a
“Joint Life” basis, meaning based on two Covered Lives. You may only elect “Joint Life” Withdrawal
Benefit Payments if there are two eligible Covered Lives. The “Joint Life” election is not available if the
Owner is not a natural person.
In order to be eligible for “Joint Life” Withdrawal Benefit Payments, the Covered Lives:
1.	must be either:
	a.	if there is only one Owner, the Owner and the Owner’s Spouse, provided the Spouse is
		named as a primary beneficiary; or
	b.	the Joint Owners, provided the Joint Owners are each other’s Spouse; and
2.	must meet Our rider eligibility guidelines on the date named as Covered Lives.
“Joint Life” Withdrawal Benefit Payments continue until the earlier of:
1.	the death of the last Covered Life to die, or
2.	the Withdrawal Benefit Base is zero.
The “Joint Life” Withdrawal Benefit Payment percentage is locked in as of the date of Your first
Withdrawal and is set out in the table on the Data Page.
Note: The Withdrawal Benefit Payment will always be based on “Single Life” unless You notify us that
	You are electing “Joint Life” Withdrawal Benefit Payments and You are eligible to make a “Joint
	Life” election. At the time You take Your first Withdrawal, Your Withdrawal Benefit Payment is
	locked in as either “Single Life” or “Joint Life”, whichever is applicable. You may not change Your
	Withdrawal Benefit Payment election after You have taken a Withdrawal.

EFFECT ON RIDER BENEFITS IF CONTRACT ACCUMULATED VALUE IS ZERO
If Your contract accumulated value is zero and rider benefits are available:
1.	You will continue to receive the For Life Withdrawal Benefit Payment under this rider according to
	the rider terms, but all other rights and benefits under this rider and the contract, including death
	benefits and the ability to make additional premium payments, will cease.
2.	If you have elected “Joint Life” Withdrawal Benefit Payments, You will receive fixed scheduled
	payments each year in the amount of the Withdrawal Benefit Payment until the date of the death
	of the last Covered Life to die.
	Otherwise, You will receive fixed scheduled payments each year in the amount of the “Single
	Life” Withdrawal Benefit Payment until the date of Your death.
3.	After the final Withdrawal Benefit Payment is taken, this rider and the contract will terminate.
WITHDRAWAL BENEFIT PAYMENT CALCULATION
We calculate the Withdrawal Benefit Payment on the rider effective date and on each Contract
Anniversary thereafter.
The Withdrawal Benefit Payment is calculated as a fixed percentage of the Withdrawal Benefit Base. The
Withdrawal Benefit Payment percentage is locked in as of the date of Your first Withdrawal as set out in
the tables on the Data Page, and is automatically based on “Single Life” unless You are eligible and elect
“Joint Life”.
You are not required to take a Withdrawal of any or all of a Withdrawal Benefit Payment in a Contract
Year. If You do not take an available Withdrawal Benefit Payment in a Contract Year, that remaining
Withdrawal Benefit Payment does not carry over to the next Contract Year.
WITHDRAWAL BENEFIT BASE CALCULATION
We calculate the Withdrawal Benefit Base on the rider effective date and on each Contract Anniversary
this rider is in force. The initial Withdrawal Benefit Base equals premium payments made on the rider
effective date. Additional premium payments made during any Contract Year plus any applicable GMWB
Bonus will increase the Withdrawal Benefit Base on the next Contract Anniversary.
Withdrawals during a Contract Year that are less than or equal to a Withdrawal Benefit Payment will not
decrease the Withdrawal Benefit Base. Excess Withdrawals will reduce the Withdrawal Benefit Base in
an amount equal to the greater of:
1.	the Excess Withdrawals; and
2.	the result of (a. divided by b.), multiplied by c., where:
	a.	is the amount withdrawn in excess of the Withdrawal Benefit Payment remaining prior to the
		Withdrawal;
	b.	is the contract accumulated value after the Withdrawal Benefit Payment is deducted, but prior
		to the Excess Withdrawal; and
	c.	is the Withdrawal Benefit Base prior to the adjustment for the Excess Withdrawal.

EFFECT OF EXCESS WITHDRAWALS ON RIDER BENEFITS
Any Withdrawal, or portion thereof, when aggregated with all prior Withdrawals during that Contract Year,
that exceeds the Withdrawal Benefit Payment is an Excess Withdrawal. Excess Withdrawals will reduce
the Withdrawal Benefit Base. This reduction may be greater than the dollar amount of the Excess
Withdrawal when the contract accumulated value is less than the Withdrawal Benefit Base. Calculations
of Excess Withdrawals are set forth in WITHDRAWAL BENEFIT BASE CALCULATION.
GMWB BONUS
We may credit a GMWB Bonus to the Withdrawal Benefit Base, provided that You have not taken a
Withdrawal in any preceding Contract Year during the life of this rider. The GMWB Bonus, if any, is
shown on the Data Page.
Note: The GMWB Bonus is used only for purposes of calculating the Withdrawal Benefit Base. It is not
	included in Your contract accumulated value.
ANNUAL GMWB STEP-UP
On each Contract Anniversary following the rider effective date, We will compare the contract
accumulated value on that date to the Withdrawal Benefit Base. If the contract accumulated value is
greater than the Withdrawal Benefit Base, We will automatically increase (“Step-Up”) the Withdrawal
Benefit Base to the contract accumulated value if You are eligible for that Step-Up.
You are eligible for a Step-Up to the Withdrawal Benefit Base if the following requirements are satisfied:
1.	the Contract Anniversary occurs before the later of:
	a.	the Contract Anniversary following the date the oldest Owner attains age 80; or
	b.	ten years after the rider effective date;
2.	You have not declined any increases in the rider charge; and
3.	You have not fully annuitized Your contract.
So long as You remain eligible for the Step-Up feature of this rider, You will be charged the then current
rider charge as described in RIDER CHARGE. You may avoid an increase in Your rider charge by
declining the rider charge increase before the rider charge increase becomes effective. If You decline
the increased charge, You are no longer eligible for the Step-Up feature. The feature may not be added
later and You will not receive future Step-Ups.
RIDER CHARGE
There is an additional charge for this rider. The rider charge is computed quarterly based on the
Withdrawal Benefit Base and is deducted from Your contract accumulated value at the end of each
calendar quarter. If this rider is issued after the beginning of a calendar quarter, We will pro-rate the rider
charge to reflect the number of days the rider is in effect during the calendar quarter.
The initial rider charge is shown on the Data Page. We may increase the rider charge, but We guarantee
that the increased charge will not exceed the maximum rider charge shown on the Data Page. Rider
charge increases, if any, will automatically apply unless We receive notice from You declining the
increase prior to the effective date of the rider charge increase.

Note: If You decline an increase in the rider charge, You will no longer be eligible for future Step-Ups and
	Your current rider charge will remain in effect for the remaining life of this rider.
If this rider is terminated, We will pro-rate the rider charge to reflect the number of days that this rider was
in effect during the calendar quarter.
INVESTMENT OPTION RESTRICTIONS
While this rider is in effect, the Investment Options You may select are limited to the allocation models
and/or Divisions that We designate (“GMWB Investment Options”). We may modify the GMWB
Investment Options available with this rider from time to time.
You may select only one GMWB Investment Option at a time. You may transfer from one GMWB
Investment Option to another by providing Us notice.
If You select a GMWB Investment Option which is an allocation model:
1.	Your allocation percentages must match the percentages of the model You have selected; and
2.	You direct us to automatically rebalance Your contract accumulated value on each calendar
	quarter to match Your selected model.
MAXIMUM TOTAL PREMIUM CONTRIBUTIONS
The Maximum Total Premium Contributions you may make during the lifetime of the contract are shown
on the Data Page. We reserve the right to treat all deferred variable annuity contracts issued by Us to
You and/or Your Spouse with a guaranteed minimum withdrawal benefit rider attached as one contract for
purposes of determining the Maximum Total Premium Contributions.
EFFECT ON THE RIDER BENEFITS AT DEATH
If You die when the contract accumulated value is greater than zero:
1.	If You are the only Owner, upon Your death, Your primary beneficiary may elect one of the
	following:
	a.	receive the death benefit under the contract; or
	b.	if the primary beneficiary is Your Spouse, Your Spouse may continue the contract with or
		without this rider as set forth in SPOUSAL CONTINUATION.
2.	If there are Joint Owners, upon the death of the first Joint Owner to die, the surviving Joint Owner
	may elect one of the following:
	a.	receive the death benefit under the contract; or
	b.	if the surviving Joint Owner is Your Spouse, Your Spouse may continue the contract with or
		without this rider as set forth in SPOUSAL CONTINUATION.
If You die after the contract accumulated value has reduced to zero:
1.	If You elected “Single Life” For Life withdrawal benefit payments, all payments stop and the
	contract is terminated.
2.	If you elected “Joint Life” For Life withdrawal benefit payments, We will continue payments to the
	surviving covered life until the date of the surviving covered life’s death.

SPOUSAL CONTINUATION
If you die while this rider is attached to Your contract, Your Spouse may NOT continue the contract with
this rider if any of the following apply:
1.	The contract accumulated value is zero.
2.	The contract and this rider have been previously continued.
3.	You were the sole Owner and Your Spouse is not a primary beneficiary.
4.	There were Joint Owners and Your Spouse is not the surviving Joint Owner.
5.	Your Spouse does not meet the minimum age requirement of Our rider eligibility guidelines on the
	date of the continuation election.
6.	Withdrawals have been taken and You locked in “Single Life” For Life Withdrawal Benefit
	Payments.
7.	Withdrawals have been taken and You locked in “Joint Life” For Life Withdrawal Benefit
	Payments and Your Spouse is not an eligible Covered Life.
Note: Although spousal continuation may be available under the contract for a subsequent spouse, this
rider may only be continued once.
Note: If Your Spouse is not eligible to continue this rider, or elects not to continue this rider, this rider and
all rights, benefits and charges under the rider will terminate.
If none of the statements above apply and Your Spouse elects to continue the contract with the rider:
If Withdrawals have not been taken:
1.	Withdrawal Benefit Payments will be calculated as “Single Life”.
2.	You will be removed as a Covered Life and Your Spouse will be the sole Covered Life.
3.	Your Spouse may not add a new Covered Life or elect “Joint Life” Withdrawal Benefit Payments.
4.	The Withdrawal Benefit Payment percentage will be based on Your Spouse’s age and will lock in
	at the “Single Life” percentage applicable on the date of Your Spouse’s first Withdrawal.
5.	Withdrawal Benefit Payments will continue to be available until the death of Your Spouse.
If Withdrawals have been taken and You have locked in “Joint Life” Withdrawal Benefit Payments:
1.	The Withdrawal Benefit Payment percentage will continue to be based on the original Covered
	Lives.
2.	Your Spouse may not add a new Covered Life.
3.	Withdrawal Benefit Payments will continue to be available until the death of Your Spouse.
All other provisions of this rider will continue as in effect on the date of Your death.

COVERED LIFE CHANGE
Any ownership, beneficiary designation or other contract or rider change before the Annuitization Date
which would cause a change in the Covered Life (a “Change”) will result in termination of this rider,
except for the following permissible Changes.
1.	Spousal continuation of this rider as described above in SPOUSAL CONTINUATION.
2.	If Withdrawals have not been taken and You have not previously elected to continue this rider as
	provided in SPOUSAL CONTINUATION:
	a.	You may add a Joint Owner or primary beneficiary as a Covered Life, provided that the new
		Joint Owner or primary beneficiary is an eligible Covered Life as set forth in “SINGLE LIFE”
		AND “JOINT LIFE” WITHDRAWAL BENEFIT PAYMENTS.
	b.	You may remove a Joint Owner or primary beneficiary as a Covered Life.
	c.	The Withdrawal Benefit Payment percentage will be calculated based on the age of the
		Covered Lives and will lock in at the percentage applicable on the date of Your first
		Withdrawal.
3.	If Withdrawals have been taken and You have locked in “Single Life” Withdrawal Benefit
	Payments,
	a.	You may remove a Joint Owner as a Covered Life and Withdrawal Benefit Payments will
		cease upon Your death. You may add a primary beneficiary to Your contract; however, You
		may not add a primary beneficiary as a Covered Life for purposes of this rider.
	b.	The For Life Withdrawal Benefit Payment percentage will remain locked at the percentage
		applicable on the date of Your first Withdrawal and will not be reset to reflect the removal of
		the Covered Life.
4.	If Withdrawals have been taken and You have locked in “Joint Life” Withdrawal Benefit Payments,
	a.	You may remove a Joint Owner or primary beneficiary as a Covered Life and Withdrawal
		Benefit Payments will cease upon Your death.
	b.	You may add a primary beneficiary to Your contract; however, You may not add a primary
		beneficiary as a Covered Life for purposes of this rider.
	c.	The Withdrawal Benefit Payment percentage will remain locked at the percentage applicable
		on the date of Your first Withdrawal and will not be reset to reflect the removal of the Covered
		Life.
5.	If You have previously elected to continue the Rider as provided in SPOUSAL CONTINUATION,
	You may add a primary beneficiary to Your contract; however, You may not add a primary
	beneficiary as a Covered Life for purposes of this rider.
No Change is effective until approved by Us in writing. Upon Our approval, the Change is effective as of
the date You signed the Notice requesting the Change.
An assignment of the contract or this rider shall be deemed a request for a Change. If the Change is not
one of the above permissible Changes, this rider will be terminated as of the date of the assignment.
EFFECT OF DIVORCE ON THE RIDER
Generally, in the event of a divorce, the Spouse who retains ownership of the contract will continue to be
entitled to all rights and benefits of this rider while the former Spouse will no longer have any such rights
or be entitled to any benefits under this rider. If You take a Withdrawal to satisfy a court order to pay a
portion of the contract to Your former Spouse, any portion of such Withdrawal that exceeds the available
Withdrawal Benefit Payments shall be an Excess Withdrawal under this rider.

TERMINATION
You may terminate this rider anytime after this rider has been in force for five full Contract Years.
We will terminate this rider when any of the following occurs:
1.	the contract terminates;
2.	You fully annuitize the contract;
3.	the Withdrawal Benefit Base is zero;
4.	there is a Change of Covered Life or Owner, except as permitted in COVERED LIFE CHANGE;
	or
5.	Your surviving Spouse continues the contract without this rider.
REINSTATEMENT
If this rider terminates for any reason other than Your full surrender of Your contract, this rider may not be
reinstated.
If You surrender Your contract with this rider attached and the contract is later reinstated, this rider also
must be reinstated. If the contract and rider are reinstated, this rider will be reinstated as of the date of
the termination. At the time this rider is reinstated, We will deduct rider charges scheduled during the
period of termination and make any other adjustments necessary to reflect any changes in the amount
reinstated and the contract accumulated value as of the date of termination.