ENDORSEMENT This Contract is hereby endorsed to change the Reserve provision under the Deposit, Reserve, and Surrender Provisions to read as follows: The Reserve is equal to: (a) the Net Deposit(s) credited tot he General Account (if any); plus (b)...

                    Aetna Life Insurance and Annuity Company

                                   ENDORSEMENT


This Contract is hereby endorsed to change the Reserve provision under the
Deposit, Reserve, and Surrender Provisions to read as follows:

         The Reserve is equal to:

         (a)      the Net Deposit(s) credited tot he General Account (if any); 
                  plus

         (b)      General Account interest added by Aetna; plus

         (c)      the value of Separate Account Record Units (if any); minus

         (d)      a charge of $30 on each anniversary of the Date of Issue of 
                  this Contract; and minus

         (e)      any amounts previously surrendered.

Endorsed and made a part of this Contract on the Date of Issue of the Contract.




                              /s/ Xxxxxxx X. Xxxxxx
                                    President