If you are unsure of what options your contract has please refer to your contract data page. The data page will provide you with a list of options selected and a copy of the application. For more detailed explanations of the options, please consult your prospectus. Options are available at an additional charge. Guarantees are subject to the claims-paying ability of the issuer.

Death Benefit
"Std db or 5 yr ann"	Five Year Reset Standard Death Benefit
"Grtr cv/pp or 1 yr"	One-Year Step-Up Death Benefit
"Acct val or 5% int"	5% Enhanced Death Benefit

CDSC (Contingent Deferred Sales Charge)
"7,7,6,5,4,3,2, CDSC"	Standard Surrender Charge Schedule
"7,7,6,4,2 CDSC"	Five-Year Reduced CDSC Schedule

W/D Without Charge
"10% Free yr non-cum"	Standard CDSC-Free Withdrawal Amount
"Addt'l w/d & Dis Wvr"	Additional 5% Withdrawal & Disability Waiver

Reduced Pur Pmt
"Reduced Pur Pmt"	Reduced Purchase Payment Rider

GMIB Ann Age<83
"5% Increasing"	Income Guard (guaranteed minimum income benefit)

Extra Value Rider
"3% Credit Rider"	3% Extra Value
"NY 3% Credit Rider"	3% Extra Value for NY only