THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

MAXIMUM ANNIVERSARY VALUE

[OPTIONAL]f1 DEATH BENEFIT ENDORSEMENT

This Endorsement is a part of the Contract to which it is attached. Should any provision in this Endorsement conflict with the Contract, the provisions of this Endorsement will prevail.

Capitalized terms within this Endorsement that are not defined in this Endorsement are defined or otherwise described in the Contract to which this Endorsement is attached, including any endorsements or other riders attached to such Contract.

This Endorsement replaces the “AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION” provisions under the “DEATH BENEFIT PROVISIONS” section in the Contract.

TABLE OF CONTENTS

DEFINITIONS

For purposes of this Endorsement, the following Definitions apply:

MAXIMUM ANNUAL WITHDRAWAL AMOUNT

Maximum Annual Withdrawal Amount refers to guaranteed Withdrawals applicable only if You have elected an optional guaranteed living benefit and have not terminated the benefit under this Contract.

NET PURCHASE PAYMENT(S)

Net Purchase Payment(s) are the sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal.

WITHDRAWAL ADJUSTMENTS

Withdrawal Adjustments is the term used to calculate how the amount of the Death Benefit will be adjusted for Withdrawals depending on the amount of the Withdrawal and whether a guaranteed living benefit is elected and has not been terminated.

ENDORSEMENT DATA PAGE

AMOUNT OF MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT

Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receipt of all Required Documentation. The Death Benefit calculation is different depending on whether a guaranteed living benefit has been elected and if the benefit has been terminated.

If You were Age [80 or younger]f7 on the Contract Date, and did not elect a guaranteed living benefit, upon Our receipt of all Required Documentation, We will calculate the Death Benefit as the greatest of:

plus Purchase Payment(s) received since that Contract Anniversary, up to the Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is further reduced by any Withdrawals in the same proportion that each such Withdrawal reduces the Contract Value since that Contract Anniversary.

If You were Age [80 or younger]f7 on the Contract Date and elected a guaranteed living benefit, We will calculate the Death Benefit as the greatest of:

plus Purchase Payment(s) received since that Contract Anniversary, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is reduced by a) or b) as follows:

SPOUSAL BENEFICIARY CONTINUATION

If eligible, the Spousal Beneficiary (“Continuing Spouse”) may elect to continue the Contract. On the Continuation Date, We will contribute to the Contract Value an amount by which the Death Benefit that would have been paid to the Spousal Beneficiary exceeds the Contract Value, if any, as of the Business Day during which We receive all Required Documentation. When applicable, this amount is not considered a Purchase Payment except in the calculation of certain death benefits upon the death of the Spousal Beneficiary. If this option is elected, no Death Benefit is paid out to the Spousal Beneficiary on the Continuation Date.

If the Spousal Beneficiary continues the Contract, the Death Benefit calculation is different depending on whether a guaranteed living benefit has been elected and if the benefit has been terminated. Upon the Spousal Beneficiary’s death, We will pay a Death Benefit to the Beneficiary upon Our receipt of all Required Documentation.

If the Spousal Beneficiary was Age [80 or younger]f7 on the Continuation Date, and if the Owner did not elect a guaranteed living benefit, We will calculate the Death Benefit as the greatest of:

plus Purchase Payment(s) received after the Continuation Date and since that Contract Anniversary, up to the Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is further reduced by any Withdrawals in the same proportion that each such Withdrawal reduces the Contract Value since that Contract Anniversary.

If the Spousal Beneficiary was Age [80 or younger]f7 on the Continuation Date, and if the Owner elected a guaranteed living benefit, We will calculate the Death Benefit as the greatest of:

plus Purchase Payment(s) received after the Continuation Date and since that Contract Anniversary, subject to the Purchase Payment Restriction and Purchase Payment Age Limit shown on the Endorsement Data Page, and this sum is reduced by a) or b) as follows:

If the Spousal Beneficiary was at least Age [81 but younger than Age 86]f7 on the Continuation Date, and if the Owner did not elect a guaranteed living benefit, We will calculate the Death Benefit as the greater of:

If the Spousal Beneficiary was at least Age [81 but younger than Age 86]f7 on the Continuation Date, and if the Owner elected a guaranteed living benefit, We will calculate the Death Benefit as the greater of:

If the Spousal Beneficiary was Age [86 or older]f7 on the Continuation Date, the amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required Documentation.

Withdrawal Adjustments

If a guaranteed living benefit is elected and the benefit has not been terminated, the amount of the Death Benefit will be adjusted for Withdrawals as follows:

Signed for the Company to be effective on the Contract Date.

THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK