EX-99.B.4.61
Aetna Life Insurance and Annuity Company
ENDORSEMENT
This Contract is hereby endorsed as follows:
1. For Contracts with the Fixed Account, the Fixed Account Minimum Guaranteed
Interest Rate provision is restated as follows:
Aetna will add interest daily to all amounts held in the Fixed Account.
For each calendar year, Aetna will set a minimum guaranteed annual
interest rate which will apply to all amounts held in the Fixed Account
during the calendar year. This rate will never be less than an annual
rate of 3%. This one year minimum guaranteed interest rate will be
established prior to each calendar year and will be made available to
the Contract Holder in advance of the calendar year. Aetna, in its
discretion, may credit interest at a rate greater than this one year
rate. Aetna will make available to the Contract Holder the rate
currently being credited to amounts held in the Fixed Account.
2. For Contracts providing for the payment of any Fixed Account Surrender Value
in equal payments over a period not to exceed 60 months, the paragraph
describing the interest rate to be credited during the payment period is
amended and restated as follows:
During the payment period, interest will be credited to the remaining
Fixed Account balance at a single fixed rate that will not be more than
two percentage points below the rate being credited to the Fixed Account
as of the date of surrender. In no event will the credited interest rate
be less than 3%.
Endorsed and made a part of the Contract effective on the Effective Date of the
Contract.
/s/ Xxxxxx X. XxXxxxxxx
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Xxxxxx X. XxXxxxxxx
President
Aetna Life Insurance and Annuity Company
EI403-GI-98
