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Aetna Life Insurance and Annuity Company
ENDORSEMENT
This Contract is hereby endorsed as follows:
Section 3.16 entitled Surrender Fee is hereby deleted and replaced to read as
follows:
For each surrender from an Individual Account, the Surrender Fee will
vary according to the number of Purchase Payment Cycles completed for the
Individual Account being surrendered. The number and amount of Purchase
Payments to be made in a year is chosen by the Participant. A Purchase
Payment Cycle is completed when this number and amount of Purchase
Payments have been made. The number of Purchase Payment Cycles completed
may not be greater than the number of whole years since the Individual
Account was established. For each surrender, the Fee will be as follows:
Number of Purchase Payment Cycles Surrender Fee
Less than 5 5%
5 or more but less than 7 4%
7 or more but less than 9 3%
9 or 10 2%
more than 10 0%
No Surrender Fee is deducted from any portion of the Individual Account
which is paid:
(a) At the death of a Participant before Annuity payments start;
(b) As a premium for an Annuity for a Participant under this Contract;
(c) After a Participant has reached age 59 1/2 and 9 or more
Purchase Payment Cycles have been completed for the Individual
Account being surrendered;
(d) After the tenth anniversary of the Effective Date of the
Individual Account;
(e) For an amount equal to or less than 10% of the Current Value, as
part of the first partial surrender request in a calendar year
to a Contract Holder who is at least age 59 1/2 and less than 70
1/2. The Current Value is calculated as of the date the partial
surrender request is received in good order at Aetna's Home
Office. Any outstanding loans from the Contract are excluded
when calculating the Current Value. This provision does not
apply to partial surrenders due to loan defaults made from the
Contract and does not apply to full surrender requests;
EGSF-IB(XC/M)
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(f) When the Current Value is $2,500 or less and no surrenders have
been taken from the Contract within the prior 12 months;
(g) Due to the Participant's disability as defined by the Internal
Revenue Service for Tax Deferred Annuities;
(h) As a result of a Participant's financial hardship as defined by
the Internal Revenue Service for Tax Deferred Annuities; or
(i) Upon separation from service after a Participant meets the age
and service requirements for eligibility to immediately begin
receiving benefits under the New York State Teachers' or
Employees' Retirement Systems, even if the Participant is not a
member of either System.
Endorsed and made a part of the Contract.
/s/ Edmund F. Kelly
PRESIDENT
AETNA LIFE INSURANCE AND ANNUITY COMPANY
EGSF-IB(XC/M)
