RIGHT TO CANCEL

The Contract Holder may cancel this Contract within 10 days of receiving it, by
returning this Contract along with a written notice to Aetna at the above
address or to the agent from whom it was purchased. Within 7 days after it
receives the notice of cancellation and this Contract at its Home Office, Aetna
will return the entire consideration paid; plus any increase or minus any
decrease in the cash value of any funds allocated to the Separate Accounts.

This page, the following pages, and the application make up the entire Contract.

Signed at the Home Office on the Effective Date.

/s/ Xxxxx X. Xxxxxxxxx /s/ Xxx Xxxxxxx
Secretary President

INDIVIDUAL VARIABLE, FIXED, OR COMBINATION ANNUITY CONTRACT
NON-PARTICIPATING

ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT,
WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT,
ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.

THIS CONTRACT IS DELIVERED IN
AND IS SUBJECT TO THE LAWS OF THAT JURISDICTION

THIS CONTRACT MAY NOT BE SUITABLE IF ONLY ONE(1) LARGE PURCHASE PAYMENT IS MADE.

Guaranteed Interest Rate - There is a guaranteed interest rate for Purchase
Payment(s) held in the General Account. (See 3.02.)

Surrender Fee - There will be a charge deducted for early surrender. (See Part
V.)

Deductions from the Separate Account - There will be deductions for mortality
and expense risks and administrative fees. (See 3.05).

This Contract is a legal contract and constitutes the entire legal relationship
between Aetna and the Contract Holder.

READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the
rights and obligations of both you and Aetna. IT IS THEREFORE IMPORTANT THAT YOU
READ THIS CONTRACT CAREFULLY.

I-CDA-HD (XC) 2

TABLE OF CONTENTS
I. GENERAL DEFINITIONS

II. GENERAL PROVISIONS

III. PURCHASE PAYMENT, CURRENT VALUE AND SURRENDER PROVISIONS

I-CDA-HD (XC) 3

IV. ANNUITY PROVISIONS

4.01. Choices to be Made..................................................11
4.02. Terms of Annuity Options............................................11
4.03. Death of Annuitant/Beneficiary......................................12
4.04. Fund(s) Annuity Units - Separate Account............................12
4.05. Fund(s) Annuity Unit Value - Separate Account.......................12
4.06. Annuity Options.....................................................12

V. SPECIAL PROVISIONS

5.01 Deferred Compensation Plan..........................................21
5.02. Pension or Profit Sharing Plan......................................21
5.03. Individual Retirement Annuity Plan (IRA)............................22
5.04. Tax Deferred Annuity Plan...........................................24
5.05. Individual Annuity Plan.............................................25

VI. FEE SCHEDULE

6.01. Maintenance Fee.....................................................26
6.02. Surrender Fee.......................................................26
6.03. Table of Values - Fixed Account.....................................26

I-CDA-HD (XC) 4

I. GENERAL DEFINITIONS

1.01. Annuitant - A person on whose life an Xxxxxxx has been effected under
this Contract.

1.02. Annuity - Payment of an income:

(a) for the life of one or two persons;

(b) for a stated period, or amount; or,

1.03. Fixed Account - An accumulation option with a guaranteed minimum
interest rate. Aetna may credit a higher rate which is not guaranteed.

1.04. Fixed Annuity - An Annuity with payments which do not vary in amount.

1.05. Fund(s) - The open-end registered management investment companies,
(mutual funds) made available by Aetna under this Contract.

1.06. General Account - The Account holding the assets of Aetna, other than
those assets held in the Separate Accounts.

1.07. Purchase Payments - Payments made to Aetna.

1.08. Separate Accounts - Accounts set up by Aetna under the Connecticut
Insurance Laws which purchase shares of the Fund(s).

1.09. Valuation Period (Period) - The period of time from the end of one
business day on the New York Stock Exchange to the end of the next
business day.

1.10. Variable Annuity - An Annuity with payments which vary with the net
investment results of a Separate Account.

I-CDA-HD (XC) 5

II. GENERAL PROVISIONS

2.01. Change of Contract: Only an authorized officer of Aetna may change the
terms of this Contract. Aetna will notify the Contract Holder in
writing at least 30 days before the effective date of any change. Any
change will not affect the amount or terms of any Annuity which begins
before the change.

The following provisions of this Contract will not be changed:

(a) Net Purchase Payment(s);

(b) Guaranteed Interest Rate - Fixed Account;

(d) Current Value;

(e) Surrender Value;

(f) Fund(s) Annuity Unit Value - Separate Account;

(g) Annuity Options;

(h) Fixed Annuity minimum interest rate;

(i) Maximum transfer, maintenance or surrender fees.

This Contract may also be changed as required by federal or state law.

2.02. Change of Fund(s): Aetna, or the Separate Account and the Fund(s), may:

(a) change the Fund(s) which may be invested in by the Separate
Account; and

(b) replace the shares of any Fund(s) held in the Separate Account
with shares of any other Fund(s).

Changes must be:

(1) approved by a majority vote of persons having an interest in
the Separate Account and the Fund(s); or

(2) deemed necessary by Aetna under the Investment Company Act of
1940; or

(3) deemed necessary by Aetna to accomplish the purpose of the
Separate Account.

Aetna will notify the Contract Holder of any change.

2.03. Non-Participating Contract: The Contract Holder, Annuitant, or
beneficiaries will not have a right to share in the earnings of Aetna.

2.04. Payments: Aetna will make Annuity payments as and when due. Aetna will
make other payments within 7 days of receipt at its Home Office of a
written claim for payment which is in good order, except as provided in
3.13.

2.05. State Laws: This Contract complies with the laws of the state in which
it is delivered. Any cash, death or Annuity payments are equal to or
greater than the minimum required by such laws. Annuity tables for
legal reserve valuation shall be as required by state law. Such tables
may be different from annuity tables used to determine Annuity
payments.

2.06. Control of Contract: See Part V.

I-CDA-HD (XC) 6

2.07. Designation of Beneficiary: See Part V. The beneficiary may be changed
at any time.

2.08. Misstatements and Adjustments: If Aetna finds the age, or any other
relevant facts to be misstated, the correct facts will be used to
adjust payments.

2.09. Incontestability: Aetna cannot cancel this Contract because of any
error of fact on the application.

2.10. Grace Period This Contract will remain in effect even if Purchase
Payments are not continued.

I-CDA-HD (XC) 7

III. PURCHASE PAYMENT, CURRENT VALUE AND SURRENDER PROVISIONS

3.01. Net Purchase Payment(s): The actual Purchase Payment less any premium
tax. As a rule, Aetna will deduct the premium tax when Annuity benefits
are purchased (see Part IV). If Aetna determines that it must pay a
premium tax when Purchase Payments are received or at any other time,
it will deduct the tax at that time.

The Net Purchase Payment(s) will be credited to:

(a) the Fixed Account;

(b) the Fund(s) in which the Separate Account invests.

Aetna must be told the percentage of the Net Purchase Payment(s) to be
applied to each investment above.

During any calendar year, Aetna may be told to change the investment
mix four times if more than one Purchase Payment is made. If additional
changes are allowed, each may be subject to a fee of up to $10.

3.02. Guaranteed Interest Rate - Fixed Account: On any Purchase Payment(s)
made to the Fixed Account, Aetna will add interest daily at any annual
rate no less than 4%. Aetna may add interest daily at any higher rate
determined by its Board of Directors.

3.03. Maintenance Fee: See Part V.

3.04. Fund(s) Record Units - Separate Account: The portion of the Net
Purchase Payment(s) applied to the Separate Account will determine the
number of Fund(s) Record Units. This number is equal to a Net Purchase
Payment divided by the Fund(s) Record Unit Value (see 3.06) for the
Valuation Period in which the Purchase Payment is received in good
order.

3.05. Net Return Factor(s) - Separate Account:

The Net Return Factors are used to compute all Separate Account values
and payments for any Fund.

The Net Return Factor for each Fund is equal to 1.0000000 plus the Net
Return Rate.

The Net Return Rate is equal to:

(a) The value of the shares of the Fund held by the Separate
Account at the end of a Valuation Period; minus

(b) the value of the shares of the Fund held by the Separate
Account at the start of the Valuation Period; plus or minus

(d) the total value of the Fund Record Units and Fund Annuity Units
of the Separate Account (see 3.06 and 4.05) at the start of the
Valuation Period; minus

(e) a daily actuarial charge at an annual rate of 1.25% for annuity
mortality and expense risks and profit; and a daily
administrative charge which will not exceed .25% on an annual
basis.

I-CDA-HD (XC) 8

A Net Return Rate may be more or less than 0.

The value of a share of the Fund is equal to the net assets of the Fund
divided by the number of shares outstanding.

The administrative charge may be changed annually except for amounts
which have been used to purchase an annuity. This charge will not
exceed .25%.

3.06. Fund(s) Record Unit Value - Separate Account: The Fund(s) Record Unit
Value is computed by multiplying the Net Return Factor for the current
Valuation Period by the Fund(s) Record Unit Value for the previous
Period. The dollar value of the Fund(s) Record Units, Separate Account
assets, and Variable Annuity payments may go up or down due to
investment gain or loss.

3 07. Current Value: The Current Value (of this Contract) is equal to:

(a) Any amounts in the Fixed Account, including Fixed Account
interest added by Aetna; plus

(b) The sum of any Separate Account Record Unit value(s); less

Current Value does not include amounts used to purchase an Annuity.

3.08. Transfer of Current Value from the Funds: Before an annuity option is
elected, all or any portion of the Current Value may be transferred
from any Fund to any other Fund or to the Fixed Account.

Four transfers of Current Value can be made during a calendar year
period. If additional transfers are allowed, each may be subject to a
fee of up to $10.

3.09. Transfer of Current Value from the Fixed Account: 10% of the Current
Value held in the Fixed Account may be transferred to any Fund(s). Such
transfer will be:

(a) without charge;

(b) allowed once per calendar year;

Aetna may, on a temporary basis, allow any larger percent to be
transferred.

The Current Value of the Fixed Account, as used above, is the value
when the request is received at the Home Office of Aetna.

3.10. Notice to the Contract Holder: Aetna will notify the Contract Holder
each year of:

(a) The value of any amounts held in:

(1) the Fixed Account; and

(2) the Fund(s) for the Separate Account; and

(b) the number of any Fund(s) Record Units; and

(d) the Surrender Value of the amounts.

Such number or values will be as of a date no more than 60 days before
the date of the notice.

3.11. Sum Payable at Death (Before Annuity Payments Start): See Part V.

I-CDA-HD (XC) 9

3.12. Surrender Value: See Part V.

3.13. Payment of Surrender Value: Under certain emergency conditions, Aetna
may defer payment:

(a) for a period of up to 6 months (unless not allowed by state
law); and

(b) as provided by federal law.

3.14. Reinstatement: All or a portion of the proceeds of a full surrender of
this Contract may be reinvested within 30 days after the surrender if
allowed by law. Any Maintenance Fee and Surrender Fee charged at the
time of surrender on the amount being reinvested will be included in
the reinstatement. Amounts will be reinstated among the Fixed Account
and Separate Account in the same proportion as they were at the time of
surrender. The number of Record Units reinstated will be based on the
Record Unit Value(s) next computed after receipt at Aetna's Home Office
of the reinstatement request and the amount to be reinvested.

Any Maintenance Fee which falls due after the surrender and before the
reinstatement will be deducted from the amount reinstated.

Reinstatement is permitted only once.

3.15. Payment of Current Value: Aetna may pay in a lump sum any Current Value
if Purchase Payment(s) have not been received for three full years and
the Current Value is less than $2,000. Such Current Value paid may not
be reinstated.

I-CDA-HD (XC) 10

IV. ANNUITY PROVISIONS

4.01. Choices to be Made: Aetna will pay the Current Value (minus any premium
tax) as a premium for an annuity under Option 4 with no guaranteed
period. Any other Annuity Option may be elected by telling Aetna to pay
all or any portion of the Current Value (minus any premium tax) as a
premium for an Annuity under Option 2, 3, 4 or 5 (see 4.06). The first
Annuity payment must generally be made no later than the first day of
the month following the Annuitant's 75th birthday. If this Contract is
issued under an IRA (see Specifications page), the first Annuity
payment must be made not later than December 31 of the year the
Annuitant attains age 70 1/2. Aetna may be told to make the first
Annuity payment during any prior month.

When an Option is chosen, Aetna must also be told whether payments are
to be made other than monthly and (except for Option 2) to pay:

(a) a Fixed Annuity using the General Account; or

(b) a Variable Annuity using any of the Fund(s) made available by
Aetna for Annuity purposes; or

If a Fixed Annuity is chosen, Aetna will add interest daily at an
annual rate no less than 3.5%. Aetna may add interest daily at any
higher rate.

If a Variable Annuity is chosen, an Assumed Annual Net Return Rate of
5% may be chosen. If not chosen, Aetna will use an Assumed Annual Net
Return Rate of 3.5%.

4.02. Terms of Annuity Options:

(a) When payments start, the age of the Annuitant plus the number
of years for which payments are guaranteed must not exceed 95.

(b) The present value of the expected payments to the Annuitant
when payments start shall be more than 50% of the present value
of the total expected payments to be made; this restriction
does not apply if Option 5 is chosen and the second Annuitant
is the spouse of the Annuitant.

(c) No choice of any Annuity Option may be made if the first
payment would be less than $20 or if the total payments in a
year would be less than $100.

(d) If a Fixed Annuity under Option 3, 4 or 5 is chosen and a
larger payment would result from applying the surrender value
to a single premium immediate annuity currently offered by
Aetna to the same class of annuitants, Aetna will make the
larger payment.

(e) Age, where used in the following tables, means age on the
birthday closest to the date of the first payment.

(f) Assumed Annual Net Return Rate is the interest rate used to
determine the amount of the first annuity payment under a
Variable Annuity. The Separate Account must earn this rate plus
enough to cover the mortality and expense risk and
administrative fee charges if future Variable Annuity payments
are to remain level.

I-CDA-HD (XC) 11

4.03. Death of Annuitant/Beneficiary: When an Annuitant dies any remaining
payments will be continued to the beneficiary. If the beneficiary is
not a person or persons, the present value of any remaining payments
will be paid in one sum. If no beneficiary exists, the present value of
any remaining payments will be paid in one sum to the estate of the
Annuitant.

If a beneficiary dies while under Option 1; or while receiving Annuity
payments, the present value of any remaining payments will be paid in
one sum to the estate of the beneficiary. The interest rate used to
determine the first payment will be used to calculate the present
value.

4.04. Fund(s) Annuity Units - Separate Account: The number of Fund(s) Annuity
Units is based on the amount of the first Variable Annuity payment
which is equal to:

(a) the portion of the Current Value (minus any premium tax)
applied to pay a Variable Annuity; divided by

(b) 1,000; times

Such amount, or portion, of the variable payment will be divided by the
Fund(s) Annuity Unit Value (see 4.05) on the tenth Valuation Period
before the due date of the first payment to determine the number of
Fund(s) Annuity Units. The number of Fund(s) Annuity Units remains
fixed. Each future payment is equal to this number times the Fund(s)
Annuity Unit Value on the tenth Valuation Period prior to the due date
of the payment.

4.05. Fund(s) Annuity Unit Value - Separate Account: For any Valuation Period
the Fund(s) Annuity Unit Value is equal to:

(a) the Value for the previous Period; times

(b) the Net Return Factor(s) (see 3.05) for the Period; times

The factor for 3.5% per year is .9999058; for 5% per year it is
.9998663.

The dollar value of the Fund(s) Annuity Unit Values and payments may go
up or down due to investment gain or loss.

If Variable Annuity payments are not to decrease, Aetna must earn a
gross return on the assets of the Separate Account of:

o 4.75% on an annual basis, plus an annual return of up to .25%
needed to offset the administrative charge set at the time
Annuity payments commenced, if an Assumed Annual Net Return
Rate of 3.5% is chosen; or,

o 6.25% on an annual basis, plus an annual return of up to .25%
needed to offset the administrative charge set at the time
Annuity payments commence, if an Assumed Annual Net Return Rate
of 5% is chosen.

Payments shall not be changed due to changes in the mortality or
expense results or administrative charges.

4.06. Annuity Options:

Option 1 - Payment of Interest on Sum Left with Aetna. This Option may
be used only by the beneficiary when the Annuitant dies before Aetna
has started paying an Annuity. A portion or all of the sum paid upon
death may be held under this Option and will be held in the General

I-CDA-HD (XC) 12

Account of Aetna at interest (see 4.01). The beneficiary may later tell
Aetna to:

(a) pay a portion, or all, of the sum held by Aetna; or

(b) apply a portion, or all, of the sum held by Aetna to any
Annuity Option below.

If this Contract is issued under an IRA and the beneficiary elects that
the full sum paid upon death is to be held under this Option, the
beneficiary, if a spouse, must elect (a) or (b) above within 5 years
after the death of the Annuitant. If the beneficiary is not a spouse,
the beneficiary must tell Aetna to pay the full sum within 5 years
after the death of the Annuitant.

Option 2 - Payments of a Stated Dollar Amount - This Option may only be
elected as a Fixed Annuity. An Annuity of a chosen amount will be paid
until no funds are left. The payments to be made in a year must be
greater than $65 for each $1,000 applied to this Option, but cannot
exceed an amount which would deplete the funds in less than 3 years.
During any year, Aetna reserves the right to make as a minimum payment
an amount equal to 105% of the interest for that year.

Option 3 - Payments for a Stated Period of Time - An Annuity will be
paid for the number of years chosen. The number of years must be at
least 3 and not more than 30.

If payments for this Option are made under a Variable Annuity, the
present value of any remaining payments may be withdrawn at any time.
If a withdrawal is requested within 3 years after the start of
payments, it will be treated as a surrender (see Part V).

Option 4 - Life Income - An Annuity will be paid for the life of the
Annuitant. If also chosen, Aetna will guarantee payments for 60, 120,
180, or 240 months.

Option 5 - Life Income for Two Payees - An Annuity will be paid during
the lives of the Annuitant and a second Annuitant. At the death of
either, payments will continue to the survivor. When this Option is
chosen, a choice must be made of:

(a) 100% of the payment to continue to the survivor;

(b) 662/3% of the payment to continue to the survivor;

(d) Payments for a minimum of 120 months, with 100% of the payment
to continue to the survivor.

Other Options - Aetna may make other options available as allowed by
the laws of the state in which this Contract is delivered.

I-CDA-HD (XC) 13

OPTION 3
PAYMENTS FOR A STATED PERIOD OF TIME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Years of Amount of Years of Amount of Years of Amount of
Payments Payments Payments Payments Payments Payments
-------- -------- -------- -------- -------- --------

3 $29.19 13 $7.94 22 $5.39
4 22.27 14 7.49 23 5.24
5 18.12 15 7.10 24 5.09
6 15.35 16 6.76 25 4.96
7 13.38 17 6.47 26 4.84
8 11.90 18 6.20 27 4.73
9 10.75 19 5.97 28 4.63
10 9.83 20 5.75 29 4.53
11 9.09 21 5.56 30 4.45
12 8.46

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Years of Amount of Years of Amount of Years of Amount of
Payments Payments Payments Payments Payments Payments
-------- -------- -------- -------- -------- --------

3 $29.80 13 $8.64 22 $6.17
4 22.89 14 8.20 23 6.02
5 18.74 15 7.82 24 5.88
6 15.99 16 7.49 25 5.76
7 14.02 17 7.20 26 5.65
8 12.56 18 6.94 27 5.54
9 11.42 19 6.71 28 5.45
10 10.51 20 6.51 29 5.36
11 9.77 21 6.33 30 5.28
12 9.16

I-CDA-HD (XC) 13

OPTION 4
LIFE INCOME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months
Age of None 60 120 180 240
Annuitant Male Female Male Female Male Female Male Female Male Female
--------- ---- ------ ---- ------ ---- ------ ---- ------ ---- ------

50 $4.56 $4.20 $4.55 $4.19 $4.51 $4.18 $4.45 $4.15 $4.36 $4.11
51 4.64 4.26 4.62 4.25 4.58 4.24 4.51 4.21 4.42 4.16
52 4.72 4.32 4.70 4.32 4.66 4.30 4.58 4.26 4.48 4.21
53 4.80 4.39 4.79 4.38 4.74 4.36 4.65 4.32 4.53 4.27
54 4.89 4.46 4.87 4.46 4.82 4.43 4.73 4.39 4.59 4.32

55 4.99 4.54 4.97 4.53 4.91 4.50 4.80 4.46 4.65 4.38
56 5.09 4.62 5.07 4.61 5.00 4.58 4.88 4.53 4.72 4.44
57 5.20 4.71 5.17 4.70 5.10 4.66 4.96 4.60 4.78 4.50
58 5.32 4.80 5.29 4.79 5.20 4.75 5.05 4.68 4.84 4.57
59 5.44 4.90 5.41 4.88 5.31 4.84 5.14 4.76 4.91 4.63

60 5.57 5.00 5.53 4.99 5.42 4.93 5.23 4.84 4.97 4.70
61 5.71 5.11 5.67 5.09 5.54 5.03 5.32 4.93 5.03 4.77
62 5.86 5.23 5.81 5.21 5.66 5.14 5.42 5.02 5.09 4.84
63 6.02 5.36 5.97 5.33 5.79 5.25 5.51 5.11 5.16 4.91
64 6.20 5.49 6.13 5.46 5.93 5.37 5.61 5.21 5.21 4.98

65 6.38 5.64 6.31 5.60 6.07 5.49 5.71 5.31 5.27 5.05
66 6.58 5.79 6.49 5.75 6.22 5.63 5.81 5.41 5.32 5.12
67 6.79 5.95 6.69 5.91 6.38 5.76 5.91 5.52 5.38 5.18
68 7.02 6.13 6.89 6.08 6.53 5.91 6.01 5.63 5.42 5.25
69 7.26 6.32 7.11 6.26 6.70 6.06 6.11 5.74 5.47 5.31

70 7.52 6.53 7.35 6.45 6.86 6.23 6.20 5.85 5.51 5.37
71 7.80 6.75 7.59 6.66 7.03 6.39 6.29 5.96 5.54 5.42
72 8.09 6.99 7.85 6.89 7.21 6.57 6.38 6.07 5.57 5.47
73 8.41 7.26 8.12 7.13 7.38 6.75 6.46 6.17 5.60 5.51
74 8.75 7.54 8.41 7.39 7.55 6.94 6.53 6.28 5.63 5.55

75 9.12 7.85 8.71 7.66 7.73 7.13 6.61 6.38 5.65 5.59

Rates are based on mortality from 1983 Table a.

Rate for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 15

OPTION 4
LIFE INCOME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

50 $5.48 $5.12 $5.46 $5.11 $5.41 $5.09 $5.34 $5.06 $5.24 $5.01
51 5.55 5.17 5.53 5.17 5.48 5.14 5.40 5.11 5.29 5.05
52 5.63 5.23 5.61 5.23 5.55 5.20 5.46 5.16 5.34 5.10
53 5.71 5.30 5.69 5.29 5.62 5.26 5.53 5.22 5.40 5.15
54 5.80 5.37 5.77 5.36 5.70 5.33 5.60 5.27 5.45 5.20

55 5.89 5.44 5.86 5.43 5.79 5.39 5.67 5.34 5.51 5.25
56 5.99 5.52 5.96 5.51 5.87 5.47 5.74 5.40 5.56 5.31
57 6.10 5.60 6.06 5.59 5.97 5.54 5.82 5.47 5.62 5.37
58 6.21 5.69 6.17 5.67 6.06 5.62 5.90 5.54 5.68 5.42
59 6.33 5.79 6.29 5.77 6.17 5.71 5.98 5.61 5.74 5.48

60 6.46 5.89 6.41 5.87 6.28 5.80 6.06 5.69 5.79 5.55
61 6.60 6.00 6.55 5.97 6.39 5.90 6.15 5.77 5.85 5.61
62 6.75 6.11 6.69 6.08 6.51 6.00 6.24 5.86 5.91 5.67
63 6.91 6.23 6.84 6.20 6.64 6.10 6.33 5.95 5.96 5.73
64 7.09 6.37 7.00 6.33 6.77 6.22 6.42 6.04 6.02 5.80

65 7.27 6.51 7.18 6.46 6.91 6.34 6.52 6.13 6.07 5.86
66 7.47 6.66 7.36 6.61 7.05 6.46 6.61 6.23 6.12 5.92
67 7.68 6.82 7.55 6.76 7.20 6.60 6.70 6.33 6.16 5.99
68 7.91 7.00 7.76 6.93 7.35 6.74 6.80 6.43 6.21 6.04
69 8.15 7.19 7.98 7.11 7.51 6.89 6.89 6.54 6.25 6.10

70 8.41 7.39 8.21 7.30 7.67 7.04 6.97 6.64 6.28 6.15
71 6.69 7.62 8.45 7.51 7.83 7.21 7.06 6.74 6.32 6.20
72 8.99 7.86 8.70 7.73 8.00 7.38 7.14 6.85 6.35 6.25
73 9.31 8.12 8.97 7.97 8.16 7.55 7.21 6.95 6.37 6.29
74 9.65 8.41 9.26 8.23 8.33 7.73 7.29 7.04 6.39 6.33

75 10.02 8.72 9.55 8.50 8.50 7.92 7.35 7.14 6.41 6.36

Rates are based on mortality from 1983 Table a.

Rate for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 16

OPTION 5
LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY
100% TO THE SURVIVOR
NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $3.69 $3.80 $3.90 $3.98 $4.05 $4.11 $4.15 $4.18 $4.20
50 3.75 3.89 4.03 4.16 4.27 4.36 4.43 4.48 4.52
55 3.81 3.97 4.16 4.34 4.51 4.66 4.78 4.86 4.92
60 3.84 4.04 4.27 4.51 4.76 4.99 5.18 5.33 5.43
65 3.87 4.09 4.35 4.66 4.99 5.34 5.66 5.92 6.11
70 3.90 4.13 4.42 4.78 5.19 5.67 6.16 6.61 6.95
75 3.91 4.15 4.47 4.86 5.35 5.95 6.64 7.33 7.95
80 3.92 4.17 4.50 4.92 5.46 6.17 7.04 8.04 9.03
85 3.92 4.18 4.51 4.95 5.53 6.31 7.34 8.63 10.05

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $4.63 $4.72 $4.81 $4.89 $4.96 $5.02 $5.07 $5.10 $5.12
50 4.68 4.80 4.93 5.05 5.16 5.25 5.33 5.38 5.42
55 4.73 4.88 5.04 5.21 5.38 5.52 5.65 5.74 5.80
60 4.77 4.95 5.15 5.37 5.61 5.83 6.04 6.19 6.30
65 4.80 5.00 5.24 5.52 5.83 6.17 6.49 6.76 6.96
70 4.82 5.04 5.30 5.63 6.04 6.49 6.97 7.42 7.79
75 4.84 5.06 5.35 5.72 6.20 6.77 7.45 8.14 8.76
80 4.85 5.08 5.39 5.79 6.31 6.99 7.86 8.84 9.83
85 4.86 5.10 5.41 5.83 6.39 7.15 8.16 9.43 10.86

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 17

OPTION 5
LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY
662/3% TO THE SURVIVOR
NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5% and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $3.94 $4.06 $4.20 $4.36 $4.54 $4.74 $4.96 $5.19 $5.42
50 4.05 4.20 4.36 4.55 4.76 4.99 5.24 5.51 5.78
55 4.18 4.35 4.54 4.76 5.00 5.28 5.58 5.90 6.22
60 4.32 4.51 4.73 4.99 5.29 5.63 6.00 6.40 6.79
65 4.48 4.69 4.95 5.25 5.61 6.03 6.51 7.02 7.52
70 4.66 4.89 5.18 5.53 5.97 6.49 7.10 7.77 8.45
75 4.84 5.09 5.42 5.82 6.33 6.96 7.73 8.62 9.56
80 5.02 5.30 5.65 6.11 6.69 7.43 8.39 9.54 10.82
85 5.19 5.49 5.87 6.37 7.02 7.88 9.02 10.46 12.15

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $4.87 $4.99 $5.12 $5.28 $5.46 $5.68 $5.93 $6.21 $6.49
50 4.99 5.12 5.27 5.45 5.66 5.90 6.18 6.50 6.82
55 5.12 5.26 5.44 5.65 5.89 6.17 6.50 6.86 7.23
60 5.27 5.43 5.63 5.87 6.16 6.50 6.89 7.32 7.76
65 5.44 5.63 5.85 6.14 6.49 6.90 7.38 7.92 8.47
70 5.64 5.85 6.11 6.44 6.84 7.35 7.96 8.64 9.36
75 5.86 6.09 6.38 6.75 7.23 7.84 8.60 9.49 10.46
80 6.09 6.33 6.65 7.07 7.62 8.34 9.28 10.42 11.71
85 6.30 6.57 6.92 7.38 8.00 8.83 9.93 11.35 13.04

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 18

OPTION 5
LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY
50% TO THE SURVIVOR
NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $4.07 $4.21 $4.38 $4.58 $4.83 $5.13 $5.49 $5.91 $6.35
50 4.22 4.37 4.55 4.77 5.04 5.37 5.77 6.23 6.72
55 4.40 4.56 4.76 5.00 5.29 5.66 6.10 6.62 7.18
60 4.61 4.79 5.00 5.27 5.60 6.01 6.51 7.11 7.76
65 4.87 5.06 5.31 5.61 5.99 6.46 7.04 7.74 8.52
70 5.17 5.39 5.66 6.01 6.44 6.99 7.68 8.52 9.47
75 5.49 5.75 6.06 6.46 6.96 7.61 8.43 9.45 10.64
80 5.84 6.13 6.49 6.95 7.54 8.29 9.29 10.54 12.03
85 6.18 6.51 6.91 7.43 8.11 9.00 10.17 11.71 13.57

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $5.01 $5.14 $5.30 $5.50 $5.75 $6.08 $6.48 $6.96 $7.49
50 5.15 5.29 5.46 5.68 5.95 6.29 6.73 7.25 7.82
55 5.33 5.48 5.66 5.89 6.18 6.56 7.03 7.60 8.24
60 5.56 5.71 5.91 6.16 6.49 6.90 7.42 8.06 8.78
65 5.83 6.01 6.23 6.51 6.87 7.33 7.93 8.67 9.50
70 6.17 6.36 6.61 6.93 7.34 7.87 8.56 9.43 10.43
75 6.55 6.78 7.05 7.42 7.89 8.51 9.33 10.35 11.57
80 6.98 7.23 7.54 7.96 8.51 9.23 10.20 11.44 12.95
85 7.40 7.68 8.05 8.53 9.16 10.00 11.14 12.64 14.51

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 19

OPTION 5
LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY
100% TO THE SURVIVOR
120 MONTHS MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and
Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $3.69 $3.79 $3.89 $3.98 $4.05 $4.11 $4.15 $4.17 $4.19
50 3.75 3.89 4.03 4.16 4.27 4.36 4.42 4.47 4.49
55 3.80 3.97 4.15 4.34 4.51 4.65 4.76 4.83 4.88
60 3.84 4.04 4.26 4.50 4.75 4.97 5.16 5.29 5.36
65 3.87 4.09 4.35 4.65 4.98 5.31 5.61 5.83 5.97
70 3.89 4.13 4.41 4.76 5.17 5.62 6.07 6.43 6.67
75 3.91 4.15 4.46 4.84 5.31 5.87 6.48 7.02 7.40
80 3.91 4.16 4.48 4.89 5.41 6.05 6.79 7.50 8.04
85 3.92 4.17 4.49 4.91 5.46 6.15 6.98 7.83 8.50

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Male Age of Female Xxxxxxxxx
Xxxxxxxxx 45 50 55 60 65 70 75 80 85
--------- -- -- -- -- -- -- -- -- --

45 $4.63 $4.72 $4.81 $4.89 $4.96 $5.02 $5.06 $5.09 $5.11
50 4.68 4.80 4.93 5.05 5.15 5.25 5.32 5.36 5.39
55 4.73 4.88 5.04 5.21 5.37 5.51 5.63 5.71 5.75
60 4.77 4.94 5.14 5.37 5.60 5.82 6.00 6.14 6.22
65 4.80 4.99 5.23 5.51 5.82 6.13 6.43 6.66 6.80
70 4.82 5.03 5.29 5.62 6.00 6.44 6.87 7.23 7.47
75 4.84 5.06 5.34 5.70 6.15 6.68 7.27 7.80 8.17
80 4.85 5.07 5.37 5.75 6.24 6.86 7.57 8.26 8.79
85 4.85 5.08 5.38 5.78 6.30 6.96 7.76 8.58 9.23

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a
basis consistent with the rates in the above tables.

I-CDA-HD (XC) 20

V. SPECIAL PROVISIONS

The Special Provisions section which applies to this Contract is shown on the
Specifications page under Type of Plan. The other sections under Special
Provisions do not apply.

5.01 Deferred Compensation Plan

(a) Control of Contract: All rights in this Contract rest with the
Contract Holder, who is entitled to all amounts held under this
Contract. The Contract Holder, or authorized designee of the
Contract Holder (as allowed by law), may make any choices
allowed by this Contract. Any choices made under this Contract
must be in writing. Until receipt of such choices in its Home
Office, Aetna may rely on any prior choices made. This Contract
is not subject to the claims of any creditors of the Annuitant
except to the extent permitted by law.

(b) Designation of Beneficiary: The beneficiary shall be the
Contract Holder.

(c) Maintenance Fee: The Maintenance Fee, if any, (see 6.01) will
be deducted from the Current Value on the anniversary of the
Contract effective date and on surrender of the entire
Contract.

Any portion of any Maintenance Fee deducted from the Fixed
Account will not exceed the interest in excess of 4% and any
Net Purchase Payment credited to the Fixed Account during the
12 months prior to the deduction.

(d) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay to the Beneficiary the Current Value if:

(1) The Annuitant dies before Annuity payments start; and (2)
The notice of death is received in good order by Aetna.

(e) Surrender Value: After deduction of the Maintenance Fee, if
any, Aetna will reduce the amount payable upon surrender of any
portion of the Current Value by a Surrender Fee. The Surrender
Fee will be in accordance with the Surrender Fee table in 6.02.

The total deductions made on surrender of the entire Contract
will not exceed 7% of the Current Value as of the date of
surrender and the Surrender Fee will not exceed 8.5% of the
Purchase Payment(s) made to the Contract.

(f) The following sections 5.02, 5.03, 5.04 and 5.05 of the Special
Provisions do not apply to this Contract.

5.02. Pension or Profit Sharing Plan

I-CDA-HD (XC) 21

(a) The preceding section 5.01 of the Special Provisions does not
apply to this Contract.

(b) Control of Contract: All rights in this Contract rest with the
Contract Holder. The Contract Holder owns all amounts held
under this Contract. The Contract Holder (or authorized
designee,) may make any choices allowed by this Contract. Any
choices under this Contract must be in writing. Until receipt
of such choices in its Home Office, Aetna may rely on any prior
choices made. This Contract is not subject to the claims of any
creditors except to the extent permitted by law.

(d) Maintenance Fee: The Maintenance Fee, if any, (see 6.01) will
be deducted from the Current Value on each anniversary of the
Contract effective date and upon surrender of the entire
Contract.

Any portion of any Maintenance Fee deducted from the Fixed
Account will not exceed the interest in excess of 4% and any
Net Purchase Pyament credited to the Fixed Account during the
12 months prior to the deduction.

(e) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay the Current Value to the beneficiary if:

(1) the Annuitant dies before Annuity payments start; and

(2) the notice of death is received in good order by Aetna.

The sum paid will be the Current Value on the date when the
notice is received at Aetna's Home Office. The amount paid from
the Fixed Account will not be less than the Net Purchase
Payment(s) allocated to the Fixed Account (less any prior
transfers (see 3.09) or surrenders). The Contract Holder will
determine if any additional amounts are payable to the
beneficiary. The beneficiary may choose to apply all or part of
the payment to an Annuity Option (see Part IV). If no
beneficiary exists, the payment will be made to the estate of
the Annuitant.

(f) Surrender Value: After deduction of the Maintenance Fee, if
any, Aetna will reduce the amount payable upon surrender of any
portion of the Current Value by a Surrender Fee. The Surrender
Fee will be in accordance with the Surrender Fee table in 6.02.

The total deductions made on surrender of an entire Contract
will not exceed 7% of the Current Value as of the date of
surrender.

(g) The following Sections 5.03, 5.04 and 5.05 of the Special
Provisions do not apply to this Contract.

5.03. Individual Retirement Annuity Plan (IRA)

(a) The preceding Sections 5.01 and 5.02 of the Special Provisions
do not apply to this Contract.

(b) Control of Contract: All rights in this Contract rest with the
Contract Holder. The Contract Holder owns all amounts held
under this Contract. The Contract Holder

I-CDA-HD (XC) 22

may make any choices allowed by this Contract. Any choices
under this Contract must be in writing. Until receipt of such
choices in its Home Office, Aetna may rely on any prior choices
made. The Contract may not be transferred. The Contract may not
be assigned except to the Company.

(d) Maintenance Fee: The Maintenance Fee, if any, (see 6.01) will
be deducted from the Current Value on each anniversary of the
Contract effective date and upon surrender of the entire
Contract.

(e) Purchase Payments: The total deductible annual Purchase
Payments made on behalf of any individual under this Contract
cannot exceed $2,000.

(f) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay the current value to the beneficiary if:

(1) The Annuitant dies before Annuity payments start; and

(2) The notice of death is received in good order by Aetna.

The sum paid will be the Current Value on the date the notice
is received at Aetna's Home Office. The amount paid from the
Fixed Account will not be less than the Net Purchase Payment(s)
allocated to the Fixed Account (less any prior transfers (see
3.09) or surrenders). The beneficiary, if a spouse, may choose
to apply all or any portion of the payment to any Annuity
Option. If the beneficiary is not a spouse, all or a portion of
the payment may be applied only to Annuity Options 1, 2 or 3,
providing the full sum is paid to the beneficiary within 5
years of the death of the Annuitant. (See Part IV) If no
beneficiary exists, the payment will be made to the estate of
the Annuitant.

(g) Annuity Payments: In no event may any payments to the Annuitant
or beneficiary under any Annuity Option extend beyond:

(1) The life of the Annuitant; or

(2) The lives of the Annuitant and spouse; or

(3) Any certain period greater than the Annuitant's life
expectancy; or

(4) Any certain period greater than the life expectancies
of the Annuitant and spouse.

(h) Surrender Value: After deduction of the Maintenance Fee (if
any), the amount paid by Aetna upon the surrender of any
portion of the Current Value shall be reduced by a Surrender
Fee. The Surrender Fee will be in accordance with the Surrender
Fee table in 6.02.

I-CDA-HD (XC) 23

The total deductions made on surrender of an entire Contract
will not exceed 7% of the Current Value as of the date of
surrender and the Surrender Fee will not exceed 8.5% of the
actual Purchase Payment(s) made to the Contract.

(i) The following Sections 5.04 and 5.05 of the Special Provisions
do not apply to this Contract.

5.04. Tax Deferred Annuity Plan

(a) The preceding Sections 5.01, 5.02 and 5.03 of the Special
Provisions do not apply to this Contract.

(b) Control of Contract: The Contract Holder shall own all amounts
held under this Contract and may make any choices allowed by
this Contract. Choices made under this Contract must be in
writing. Until receipt of such choices in its Home Office,
Aetna may rely on any previous choices made. This Contract
shall not be subject to the claims of any creditors. This
Contract is non-assignable and nontransferable.

(d) Maintenance Fee: The Maintenance Fee, if any, (see 6.01) will
be deducted from the Current Value on each anniversary of the
Contract effective date and upon surrender of the entire
Contract.

(e) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay the Current Value to the beneficiary if:

(1) The Contract Holder dies before Annuity payments start;
and

(2) The notice of death is received in good order by Aetna.

(f) Surrender Value: After deduction of the Maintenance Fee (if
any), Aetna will reduce the amount payable upon surrender of
any portion of the Current Value by a Surrender Fee. The
Surrender Fee will be in accordance with the Surrender Fee
table in 6.02.

I-CDA-HD (XC) 24

(g) The following Section 5.05 of the Special Provisions does not
apply to this Contract.

5.05. Individual Annuity Plan

(a) The preceding Sections 5.01, 5.02, 5.03 and 5.04 of the Special
Provisions do not apply to this Contract.

(b) Control of Contract: All rights in this Contract rest with the
Contract Holder. The Contract Holder owns all amounts held
under this Contract. The Contract Holder may make any choices
allowed by this Contract. Choices made under this Contract must
be in writing. Until receipt of such choices at its Home
Office, Aetna may rely on any previous choices made.

(d) Maintenance Fee: The Maintenance Fee, if any, (see 6.01) will
be deducted from the Current Value on the anniversary of the
Contract effective date and on surrender of the entire
Contract.

(e) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay the Current Value to the beneficiary if:

(1) The Contract Holder dies before Annuity payments start;
and

(2) The notice of death is received in good order by Aetna.

I-CDA-HD (XC) 25

AETNA LIFE INSURANCE AND ANNUITY COMPANY
Home Office: 000 XXXXXXXXXX XXX.
HARTFORD, CONNECTICUT 06156
0-000-000-0000

INDIVIDUAL VARIABLE, FIXED, OR COMBINATION CONTRACT
NON-PARTICIPATING
ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT,
WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT,
ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT

I-CDA-HD (XC) (NU)

VI. FEE SCHEDULE
INDIVIDUAL RETIREMENT ANNUITY PLAN (IRA)

6.01. Maintenance Fee: The Maintenance Fee will be $20.

6.02. Surrender Fee:

For each surrender, the Surrender Fee will vary according to the number
of Purchase Payment Cycles completed. The number and amount of Purchase
Payments to be made in a year is chosen by the Contract Holder. 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
Contract was issued. For each surrender, the Fee will be as follows:

Number of Purchase Payment Cycles Completed Surrender Fee

Less than 5 5%
5 or more but less than 7 4%
7 or more but less than 9 3%
9 or more 2%

No Surrender Fee is deducted from any portion of the Current Value
which is paid:

(a) At the death of the Annuitant before Annuity payments start;
or

(b) As a premium for an Annuity under this Contract; or

6.03. Table of Values - Fixed Account:

The values in the following table only apply to annual Purchase
Payments of $1,000.

The Paid-Up Annuity Benefit assumes the Current Value has accumulated
in the Fixed Account at the Guaranteed Interest Rate until age 65 and
is applied to Option 4 with a stated period of 120 months.

The Surrender Value assumes the Purchase Payments are credited to the
Fixed Account at the Guaranteed Interest Rate at the beginning of each
Contract year. The Maintenance Fee and applicable Surrender Fee are
deducted.

The values would be different for other Purchase Payment amounts, if
Purchase Payments are not made when due, if partial surrenders are
made, or if Aetna adds interest at a rate greater than the Guaranteed
Interest Rate-Fixed Account.

IMIRA-HD (XC) 26

VI. FEE SCHEDULE
INDIVIDUAL RETIREMENT ANNUITY PLAN (IRA)

6.01. Maintenance Fee: The Maintenance Fee will be $0.

6.02. Surrender Fee:

For each surrender, the Surrender Fee will vary according to the
period of time between the effective date of the Contract and the date
of surrender. The Surrender Fee will be determined as follows:

If Period of Time is Surrender Fee

5 years or less 5%
More than 5 years but not more than 6 years 4%
More than 6 years but not more than 7 years 3%
More than 7 years but not more than 8 years 2%
More than 8 years but not more than 9 years 1%
More than 9 years 0%

No Surrender Fee is deducted from any portion of the Current Value
which is paid:

(a) At the death of the Annuitant before Annuity payments start; or

(b) As a premium for an Annuity under this Contract.

6.03. Table of Values - Fixed Account:

The values in the following table only apply to a single Purchase
Payment of $10,000.

The Paid-Up Annuity Benefit assumes the Current Value has accumulated
in the Fixed Account at the Guaranteed Interest Rate until age 65 and
is applied to Option 4 with a state period of 120 months.

The Surrender Value assumes the Purchase Payment is credited to the
Fixed Account at the Guaranteed Interest Rate at the beginning of the
first Contract Year. The applicable Surrender Fees are deducted.

Values would be different for other Purchase Payment amounts, if made
at another time, if partial surrenders are made, or if Aetna adds
interest at a rate greater than the Guaranteed Interest Rate-Fixed
Account.

ISIRA-HD (XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

Add to Section I. GENERAL DEFINITIONS the following paragraph:

Maturity Date: The last day of a GA Account Term.

Matured Term Value: The amount payable on a GA Account Term's Maturity
Date.

Nonunitized Separate Account: An account set up by Aetna under Title 38,
Sec. 38-154a, of the Connecticut General Statutes, which is used to hold
assets for GA Account Terms greater than three years. The Contract Holder
or Participant, as applicable, does not participate in the investment
gain or loss from the assets held in the GA Account.

Section 3.02 or 3.03 - Guaranteed Accumulation Account (GA Account) is amended
and restated as follows:

The GA Account guarantees stipulated rates of interest for stated periods of
time (see (a) and (c) below). Amounts withdrawn before the end of a Guaranteed
Term may be subject to a Market Value Adjustment (MVA) (see (g) below).

(a) Deposit Period - A calendar month, a calendar quarter, or any other
period of time specified by Aetna during which Net Purchase Payment(s)
and transfers are accepted into the GA Account for one or more Guaranteed
Terms.

(b) Guaranteed Term (Term) - The period of time for which interest rates are
guaranteed on Net Purchase Payment(s) and on transfers made into a
Deposit Period of the GA Account. Terms are offered at Aetna's discretion
for various lengths of time ranging up to and including ten years.

(c) Guaranteed Term Classifications - The grouping of Terms according to
their time to maturity. The following are the Classifications:

(1) Short-Term: Terms of up to and including 3 years; or

(2) Long-Term: Terms of greater than 3 years and up to and including
10 years.

During a Deposit Period, Aetna may make available one or more Terms
within a Classification. The Contract Holder has the option to allocate
Net Purchase Payment(s) and transfers into any or all of the available
Deposit Period Terms. If no specific direction is given. Net Purchase
Payment (s) and transfers will go into available Terms on a pro rata
basis within the Classification(s) previously chosen by the Contract
Holder. At least one Term in the Short-Term Classification will be
available each Deposit Period.

EGAA-IO (XC) 1

(d) Guaranteed GA Account Interest Rates (Guaranteed Rates) - Aetna will
declare all interest rate(s) applicable to a specific Term at the start
of the Deposit Period for that Term. These rate(s) are guaranteed by
Aetna for that Deposit Period and the ensuing Term and are not based on
the actual investment experience of the underlying assets in the GA
Account. The Guaranteed Rates are annual effective yields. The interest
is credited daily at a rate that will produce the guaranteed annual
effective yield over the period of a year. No annual rate will ever be
less than 4%.

For Terms of one year or less, one Guaranteed Interest Rate is set and
announced for that full Term. For other Terms, there may be two or more
rates. All of these rate(s) may be set and announced prior to the Deposit
Period for that Term and will not be subject to change.

(e) Withdrawals from GA Account - Full or partial surrenders may be requested
at any time from the GA Account. However, amounts withdrawn prior to the
Maturity Date of a Term to satisfy a surrender request may be subject to
an MVA (see (g) below).

Full and partial surrenders are satisfied by withdrawing amounts from
each of the Fund(s), the Fixed Account, the GA Account Short-Term
Classification and the GA Account Long-Term Classification on a pro rata
basis. However, the Contract Holder or Participant, as applicable, may
specify a particular order in which investment options will be liquidated
in order to satisfy a partial surrender request.

For purposes of withdrawals, Terms within the GA Account Short-Term and
Long-Term Classifications are considered as two separate investment
options. Any withdrawal which is a surrender will be subject to the
Maintenance Fee and Surrender Fee as appropriate. Also, amounts will be
removed within a GA Account Classification starting with the Term still
in effect with the oldest Deposit Period.

Amounts may be transferred at any time subject to Contract specifications
(see 3.10, 3.11, or 3.12 below). Amounts transferred prior to the
Maturity Date of a Term are subject to an MVA (see (g) below). Fund(s)
will be removed within the elected Classification starting with the Term
still in effect with the oldest Deposit Period.

During the Deposit Period and the 90 days following the close of the
Deposit Period, any amounts applied to the GA Account during that Deposit
Period may not be withdrawn unless due to:

(1) A full or partial surrender;

(2) A payment of a premium for an Annuity Option; or

(3) The Sum Payable at Death provision.

(f) Maturity Date Reinvestment - For all GA Account Term(s) existing as of
the effective date of this endorsement in addition to GA Account Term(s)
announced subsequent to that date, the Contract Holder or Participant, as
applicable, will be mailed a notice at least 18 calendar days before a
Term's Maturity Date. This notice will contain the current Deposit
Period's Guaranteed Rate(s), Term(s) and a projected Matured Term Value.

EGAA-IO (XC) 2

The Matured Term Value may be surrendered or transferred on the Term's
Maturity Date without an MVA. If no specific direction is given by the
Contract Holder or Participant, as applicable, prior to the Maturity
Date, each Matured Term Value will be reinvested in a Term of the same
duration. In the event that a Term of the same duration is unavailable,
each Matured Term Value will automatically be reinvested in the next
shortest Term available in the same Classification during the then
current Deposit Period. If however, only one Term is available within the
Classification, then the Matured Term Value will automatically be
reinvested in that Term. Within two business days after the Maturity
Date, the Contract Holder or Participant, as applicable, will be mailed a
confirmation statement. This statement will state the Terms and
Guaranteed Rates which will apply to the reinvested Matured Term Value.

During the calendar month following their Term's Maturity Date, one
exception is allowed to the 90 day transfer restriction and MVA under (e)
and (g). This exception is applicable to each Matured Term Value plus any
interest accrued thereon, provided no part of the Matured Term Value was
transferred on the Maturity Date.

During this calendar month period, the Contract Holder or Participant, as
applicable, may notify Aetna's Home Office to transfer or surrender all
or part of the Matured Term Value Plus any interest accrued thereon from
the GA Account without an MVA. This provision only applies to the first
such request received from the Contract Holder or Participant, as
applicable, during this period for any Matured Term Value. The Matured
Term Value plus any interest accrued thereon may be transferred upon such
request without an MVA:

(1) To any other Terms of the GA Account available in the current
Deposit Period; or

(2) To any other allowable Fund(s).

If no such notification is given, the Matured Term Value will remain
subject to the terms and conditions of the new Term. All surrender and
transfer requests will be processed as of the date they are received in
good order at Aetna's Home Office.

If this Contract is issued under a Tax Deferred Annuity Plan (see
Specifications page) the above notice will be sent to the Participant(s).

(g) Market Value Adjustment (MVA) - There will be an MVA for a withdrawal
from the GA Account before the end of a Term when the withdrawal is due
to:

(1) A transfer,

(2) A full or partial surrender, or

(3) A payment of a premium for Annuity Option 2.

The amount of the withdrawal will be adjusted to a market value amount as
described below.

The market value adjusted amount will be equal to the amount withdrawn
multiplied by the following ratio:

EGAA-IO (XC) 3

x
---
365
(1 + i)
--------------
x
---
365
(1 + j)

Where: i is the Deposit Yield
j is the Current Yield
x is the number of days remaining (computed from
Wednesday of the week of withdrawal) in the
Guaranteed Term.

The Deposit Period Yield will be determined as follows:

o At the close of the last business day of each week of the Deposit
Period, a yield will be computed as the average of the yields on
that day of U.S. Treasury Notes which mature in the last three
months of the Guaranteed Term.

o The Deposit Period Yield is the average of those yields for the
Deposit Period. If withdrawal is made prior to the close of the
Deposit Period, it is the average of those yields on each week
preceding withdrawal.

The Current yield is the average of the yields on the last business day
of the week preceding withdrawal on the same U.S. Treasury Notes included
in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which mature in the last three
months of the Guaranteed Term exist. Aetna reserves the right to use the
U.S. Treasury Notes that mature in a following quarter.

Full and partial surrenders as well as transfers made within six months
of the date of death of the Participant under the Sum Payable at Death
provision will be the greater of:

o The aggregate MVA amount which is the sum of all market value
adjusted amounts calculated due to a withdrawal of amounts (or
surrender or transfer) from Terms prior to the end of those Terms.
The aggregate MVA may be either positive or negative, or

o The applicable portion of the Current Value in the GA Account.

After six month period, the surrender or transfer will be the aggregate
MVA amount (i.e., including all MVAs).

The greater of the aggregate MVA amount or the applicable portion of the
Current Value in the GA Account is applied to amounts withdrawn from the
GA Account for payment of a premium under Annuity Options 3 or 4.

Aetna may make any change to Section 3.02 or 3.03 with 30 days advance
written notice to the Contract Holder or Participant, as applicable. Any
such change shall become effective for

EGAA-IO (XC) 4

Purchase Payment(s), transfers or reinvestments made to any new Term by
any present or future Participant.

A detailed description of the Market Value Adjustment has been filed with
the New York Insurance Department Superintendent in compliance with
Section 4223(a)(1)(C) of the New York Insurance Law.

(h) Deposits to the GA Account - All amounts in the GA Account under the
Short-Term Classification are made to the General Account.

All amounts in the GA Account under the Long-Term Classifications are
made to a Nonunitized Separate Account. There are no discrete units for
this Nonunitized Separate Account. The Contract Holder or Participant, as
applicable, does not participate in the gain or loss from the assets held
in the Nonunitized Separate Account. Such gain or loss is borne entirely
by Aetna. These assets may be chargeable with liabilities arising out of
any other business of Aetna.

For Terms under both the Short-Term and Long-Term Classifications. Aetna
guarantees stipulated interest rates to be credited to the GA Account.
All assets of Aetna including amounts made to the GA Account are
available to meet the guarantees under the GA Account.

Section 3.10, 3.11 or 3.12 - Transfer of Current Value from the Fund(s) or GA
Account is deleted and replaced by the following:

Before an Annuity Option is elected, all or any portion of the Current
Value may be transferred from any Fund or GA Account:

(a) To any other allowable Fund;

(b) To the Fixed Account; or

Amounts in a specific GA Account Term cannot be transferred to the
Deposit Period of another Term within the same Classification except at
the Term's maturity (see 3.02(f) or 3.03(f)).

Amounts applied to Classifications of the GA Account may not be
transferred to the Fund(s) or to the Fixed Account during the Deposit
Period or for 90 days after the close of the Deposit Period.

Transfers from Terms of the GA Account are subject to the Withdrawal and
MVA provisions (see 3.02(e) and (g) or 3.03(e) and (g)).

Twelve transfers of Current Value can be made during a calendar year
period. The Transfer of any portion of the GA Account value at the
Maturity Date of a Term is not counted for this purpose. Aetna may allow
additional transfers, but each may be subject to a fee of up to $10.

Add the following statement to Section 3.14 or 3.15 entitled Surrender Value as
follows:

EGAA-IO (XC) 5

To comply with Section 4223 of New York Insurance Laws, the surrender
charge will never be greater than (a) plus (b) below:

(a) 10% of amounts surrendered from options other than the GA Account;
plus

(b) 10% reduced (but not below zero) by one percent for each year the
Contract has been inforce, of amounts surrendered from the GA
Account. Aetna reserves the right to compute the surrender charge
for amounts transferred into the GA Account within 90 days prior
to surrender as if such amounts had not been transferred.

Endorsed and made a part of this Contract on May 1, 1991 or the effective date
of the Contract whichever is later.

/s/ Xxxx X. Xxxxxx
President
Aetna Life Insurance and Annuity Company

EGAA-IO (XC) 6

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

The definition of Separate Account under the Definition of Certain Terms or
General Definitions section of the contract is hereby amended to read as
follows:

Separate Account: An account which buys and holds shares of the Fund(s).
Income, gains or losses, realized or unrealized are credited or charged
to this account without regard to other income, gains or losses of Aetna.
Aetna owns the assets held in a separate account and is not a trustee as
to such amounts. These accounts generally are not guaranteed and are held
at market value. The assets of such accounts, to the extent of reserves
and other contract liabilities of the account, shall not be charged with
other Aetna liabilities.

Endorsed and made a part of the Contract.

/s/ Xxxxxx X. Xxxxx
President
Aetna Life Insurance and Annuity

EGISA-IA

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

Section 3.09 Transfer of Current Value from the Fixed Account is amended and
restated as follows:

10% of the Current Value held in the Fixed Account may be transferred
to any Fund(s) and/or to the GA Account's current Deposit Period if
available. Such transfer will be:

(a) Without charge;

(b) Allowed once per calendar year, and

Aetna may, on a temporary basis, allow any larger percent to be transferred.

The following applies to Contracts subject to Special Provisions Sections 5.02,
5.03, and 5.04.

Any remaining balance in the Fixed Account under the Contract may be transferred
by the Contract Holder in its entirety to any of the Fund(s) and/or to the GA
Account's current Deposit Period if:

(a) The Current Value in the Fixed Account under the Contract is $2,000.00
or less; or

(b) The maximum percentage allowed was transferred from the Fixed Account
in each of the four consecutive prior calendar years and no additional
Net Purchase Payment(s) to the Contract have been allocated to the
Fixed Account during the same four consecutive calendar year periods.

The Current Value of the Fixed Account, as used above, is the value when the
request is received at Aetna's Home Office in good order.

Endorsed and made part of this Contract.

/s/ Xxxxxx X. Xxxxx
President
Aetna Life Insurance and Annuity Company

EIFA-IO(XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed to amend and restate the following:

Section 3.01. Net Purchase Payment(s) - Delete the last paragraph and replace it
with the following:

During any calendar year, Aetna may be told to change the investment mix
twelve times. Should Aetna allow additional changes, each may be subject
to a fee of up to $10.

Section 3.08. Transfer of Current Value from the Funds - Delete the last
paragraph and replace it with the following:

Twelve transfers of Current Value (excluding transfers from the GA
Account at the end of a Guaranteed Term) can be made during a calendar
year period. Should Aetna allow additional transfers, each may be subject
to a fee of up to $10.

Endorsed and made a part of this Contract effective May 1, 1989.

/s/ Xxxx X. Xxxxxx
President
Aetna Life Insurance and Annuity Company

EIMCVT-HI(XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed to add the following new provisions to the end
of Section 6.02 entitled Surrender Fee as follows:

No Surrender Fee is deducted from any portion of the Current Value which is
paid:

(d) When the Current Value is $2,500 or less and no surrenders have
been taken from the Contract within the prior 12 months. If there
is more than one Contract, then this provision will only apply
when the total in all of the Contracts is $2,500 or less; or

(e) In an amount equal to or less than 10% if 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. This provision does not apply to full surrender requests.

Endorsed and made a part of this Contract.

/s/ Xxxxxx X. Xxxxx
President
Aetna Life Insurance and Annuity Company

EIMIS-IA(XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

Section 1.05 entitled Fund(s) is amended and restated as follows:

The open-end and registered management investment companies (mutual
funds) made available by Aetna under this Contract. These Funds
currently are:

o Aetna Variable Fund - a growth and income fund;

o Aetna Income Shares - a bond fund;

o Aetna Variable Encore Fund - a money market fund;

o Aetna Investment Advisers Fund, Inc. - a managed fund;

o TCI Portfolios, Inc., (TCI Growth) - a growth fund.

Additional information regarding these Funds is available in each Fund
prospectus.

Endorsed and made a part of this Contract on February 1, 1993 or the effective
date of the Contract, whichever is later.

/s/ X. X. Xxxxxxx
President
Aetna Life Insurance and Annuity Company

EIPMF-IB(XC)

Aetna Life Insurance Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

(1) The Annuity Provisions of the Contract are endorsed to change the first
paragraph of Section 4.01. "Choices to be Made" to read:

An Annuity Option may be elected by telling Aetna to pay all or
any portion of the Current Value (minus any premium tax) as a
premium for an Annuity under Option 2, 3, 4 or 5 (see 4.06). The
first Annuity payment must generally be made no later than the
first day of the month following the Annuitant's 75th birthday. If
this Contract is issued under an IRA or SEP (see Specifications
page), the first Annuity payment must be made not later than the
April 1 following the calendar year in which the Annuitant attains
age 70 1/2. Aetna may be told to make the first Annuity payment
during any prior month.

(2) The Annuity Provisions of the Contract are endorsed to change the
second paragraph of Section 4.06. "Annuity Options" to read:

If this Contract is issued under an IRA or SEP and the beneficiary
elects that the full sum paid upon death is to be held under this
Option, the beneficiary, if a spouse, must elect (a) or (b) above
not later than the date the Annuitant would have attained age 70
1/2. If the beneficiary is not a spouse, the beneficiary must tell
Aetna to pay the full sum within 5 years after the death of the
Annuitant.

(3) Section 5.03. "Individual Retirement Annuity Plan (IRA)" is deleted and
the following section added:

(a) The preceding Sections 5.01 and 5.02 of the Special Provisions
do not apply to this Contract.

(b) Control of Contract: All rights in this Contract rest with the
Contract Holder. The Contract Holder owns all amounts held
under this Contract. The Contract Holder may make any choices
allowed by this Contract. Any choices under this Contract must
be in writing. Until receipt of such choices in its Home
Office, Aetna may rely on any prior choices made. The Contract
may not be transferred. The Contract may not be assigned
except to the Company.

(d) Maintenance Fee: Maintenance Fee, if any, (see 6.01) will be
deducted from the Current Value on each anniversary of the
Contract effective date and upon surrender of the entire
Contract.

(e) Purchase Payments: Purchase Payments must be in cash and the
total of such payments cannot exceed $2,000 for any individual
for any taxable year.

EIRAC-HH (XC) 1

Exceptions to the dollar maximum are:

(1) Rollover contributions as permitted by Internal
Revenue Code Sections 402(a)(5), 402(a)(7),
403(a)(4); and

(2) Employer contributions made according to the terms of
a Simplified Employee Pension Plan as described in
Internal Revenue Code Section 408(k).

(f) Required Distribution to Annuitant: Distribution to the
Annuitant must begin in the form of Annuity Payments no later
than the April 1 following the calendar year in which the
Annuitant attains age 70 1/2, or be made in a lump sum by the
same date.

(g) Annuity Payments to Annuitant: In no event may any payments to
the Annuitant under any Annuity Option extend beyond:

(1) The life of the Annuitant:

(2) The lives of the Annuitant and beneficiary;

(3) Any certain period greater than the Annuitant's life
expectancy as determined according to regulations
under Internal Revenue Code Section 401(a)(9); or

(4) Any certain period greater than the life expectancies
of the Annuitant and beneficiary as determined
according to regulations under Internal Revenue Code
Section 401(a)(9).

In addition, the present value of the expected payments to the
Annuitant when payments start must be more than 50% of the
present value of the total expected payments to be made to the
Annuitant and beneficiary under 5.03(g) (2) or (4).

(h) Sum Payable at Death (Before Annuity Payments Start): Aetna
will pay the current value to the beneficiary if:

(1) The Annuitant dies before Annuity payments start; and

(2) The notice of death is received in good order by
Aetna.

The sum paid will be the Current Value on the date the notice
is received at Aetna's Home Office. The amount paid from the
Fixed Account will not be less than the Net Purchase
Payment(s) allocated to the Fixed Account (less any prior
transfers (see 3.09) or surrenders). The beneficiary, if a
spouse, may choose to apply all or part of the payment to any
Annuity Option or may elect to defer payments to a date not
later than when the Annuitant would have attained age 70 1/2.
Alternatively, the spouse may choose to treat this Contract as
his or her own. If the beneficiary is not the spouse, all of
the payments must either be applied only to Annuity Option 2,
3 or 4 within one year of the Annuitant's death, or be paid to
the beneficiary within 5 years of the death of the

EIRAC-HH (XC) 2

Annuitant. (See Part IV.) If no beneficiary exists, the
payment will be made to the estate of the Annuitant.

(i) Annuity Payments to Beneficiary: In no event may any payments
to the beneficiary under an Annuity Option extend beyond:

(1) The life of the beneficiary; or

(2) Any certain period greater than the beneficiary's
life expectancy as determined by regulations under
Internal Revenue Code Section 401(a)(9).

(j) Surrender Value: After deduction of the Maintenance Fee (if
any), the amount paid by Aetna upon the surrender of any
portion of the Current Value shall be reduced by a Surrender
Fee. The Surrender Fee will be in accordance with the
Surrender Fee table in section 6.02.

(k) Application of Refund of Premium: Any refund of premiums
(other than those from excess contributions) will be applied
before the close of the calendar year following the year of
the refund, toward future payments or the purchase of
additional benefits.

(l) Reports: Aetna, as issuer of this Individual Retirement
Annuity contract, will make any reports required by federal
law.

(m) The following Sections 5.04 and 5.05 of the Special Provisions
do not apply to this Contract.

Endorsed and made a part of this Contract on the effective date of the Contract.

/s/ Xxxx X. Xxxxxxx
President

EIRAC-HH (XC) 3

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed to add to Section 5.03, Individual Retirement
Annuity (IRA); Simplified Employee Pension Plan, the following:

5.03 (b) Control of Contract:

The Contract is established for the exclusive benefit of the
individual Contract Holder or his or her beneficiaries.

Section 5.03 (m) is restated as 5.03(n) and the following is added:

5.03 (m) Minimum Distribution Requirements

(1) General Requirement: Notwithstanding any provision of this
Contract to the contrary, the distribution of the Contract
Holder's Current Value shall be made in accordance with the
minimum distribution requirements of section 408(a)(6) or section
408(b)(3) of the Code and the regulations thereunder, including
the incidental death benefit provisions of section 1.401(a)(9)-2
of the proposed regulations, all of which are herein incorporated
by reference.

(2) Minimum Payments to Contract Holder: The Contract Holder's entire
Current Value in the Contract must be distributed, or begin to be
distributed, by the Contract Holder's required beginning date,
which is the April 1 following the calendar year in which the
Contract holder turns age 70 1/2. For each succeeding year, a
distribution must be made on or before December 31. By the
required beginning date, the Contract Holder may elect to have the
balance under the Contract distributed in one of the following
forms according to the terms of the Contract:

(a) a lump sum payment;

(b) equal or substantially equal payments over the life of the
Contract Holder;

(d) equal or substantially equal payments over a specified
period that may not be longer than the Contract Holder's
life expectancy;

(e) equal or substantially equal payments over a specified
period that may not be longer than the joint life and last
survivor expectancy of the Contract Xxxxxx and his or her
designated beneficiary.

(3) Minimum Death Benefits: If the Contract Holder dies before his or
her entire Current Value is distributed, the entire remaining
balance will be distributed as follows:

EIRACF-IC 1

(a) If the Contract Holder dies on or after the date distributions
have begun under paragraph 2 above, the entire remaining balance
must be distributed at least as rapidly as provided under such
paragraph 2.

(b) If the Contract Holder dies before distributions have begun under
paragraph 2 above, the entire remaining balance must be
distributed as elected by the Contract Holder or, if the Contract
Holder has not so elected, as elected by the beneficiary or
beneficiaries, as follows:

(i) by December 31st of the year containing the fifth
anniversary of the Contract Xxxxxx's death; or

(ii) in equal or substantially equal payments over the life or
life expectancy of the designated beneficiary or
beneficiaries starting by December 31st of the year
following the year of the Contract Xxxxxx's death. If,
however, the beneficiary is the Contract Xxxxxx's surviving
spouse, then this distribution is not required to begin
before December 31st of the year in which the Contract
Holder would have turned 70 1/2.

(4) Life Expectancies: Unless an Annuity Option has been elected by
the Contract Holder prior to the commencement of distributions in
accordance with paragraph 2 above (or, if applicable, by the
surviving spouse where the Contract Holder dies before
distributions have commenced), life expectancies of the Contract
Holder or spouse beneficiary shall be recalculated annually for
purposes of distributions under paragraphs 2 and 3 above. An
election not to recalculate shall be irrevocable and shall apply
to all subsequent years. The life expectancy of a non-spouse
beneficiary shall not be recalculated. Life expectancy is computed
by use of the expected return multiples in Tables V and VI of
section 1.72-9 of the Income Tax Regulations.

(5) Multiple IRAs: An individual may satisfy the minimum distribution
requirements under sections 408(a)(6) and 408(b)(3) of the Code by
receiving a distribution from one IRA that is equal to the amount
required to satisfy the minimum distribution requirements of two
or more IRAs. For this purpose, the Contract Holder of two or more
IRAs may use the "alternative method" described in Notice 88-38,
1988-1 C.B. 524, to satisfy the minimum distribution requirements
described above.

Endorsed and made part of this Contract on the effective date of this Contract.

/s/ X. X. Xxxxxxx
President
Aetna Life Insurance and Annuity Company

EIRACF-IC 1

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed to add the following new provisions to the end
of Section 6.02 entitled Surrender Fee as follows:

No Surrender Fee is deducted from any portion of the Current Value which is
paid:

(c) When the Current Value is $2,500 or less and no surrenders have
been taken from the Contract within the prior 12 months. If there
is more than one Contract, then this provision will only apply
when the total in all of the Contracts is $2,500 or less; or

(d) In an amount equal to or less than 10% if 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.
This provision does not apply to full surrender requests.

Endorsed and made a part of this Contract.

/s/ Xxxxxx X. Xxxxx
President
Aetna Life Insurance and Annuity Company

EISIS-IA(XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

The following language amends and restates the last paragraph of the cover page
of the Contract:

INDIVIDUAL VARIABLE, FIXED OR COMBINATION ANNUITY CONTRACT

NONPARTICIPATING

ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET-VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET-VALUE ADJUSTMENT MAY RESULT IN EITHER AN
INCREASE OR DECREASE IN THE CASH VALUE. THE MARKET-VALUE ADJUSTMENT FORMULA
DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

Endorsed and made a part of the Contract effective May 1, 1991.

/s/ Xxxx X. Xxxxxx
President
Aetna Life Insurance and Annuity Company

EMVA-IO(NY)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed to add the following new provision to the end
of the section on page 26 titled Surrender Fee:

On the tenth anniversary of the Effective Date of this Contract, the
Surrender Fee shall reduce to 0%.

Endorsed and made a part of this Contract effective September 1, 1984.

/s/ Xxxxxxx X. Xxxxxx
President

ESFPPS-HO

Aetna Life Insurance and Annuity Company

ENDORSEMENT

This Contract is hereby endorsed as follows:

Section 5.01(e), Section 5.02(f), Section 5.03(h) Section 5.04(f) and Section
5.05(f) entitled Surrender Value, is deleted and replaced by the following:

After deduction of the Maintenance fee (if any), Aetna will reduce the
amount payable upon surrender of any portion of the Individual Account(s)
by a Surrender Fee. The Surrender Fee will be in accordance with the
Surrender Fee table in 6.02. The Surrender Fee will not exceed 9% of the
Purchase Payments made to that Account.

Endorsed and made a part of this Contract on March 1, 1989 or the effective date
of the Contract whichever is later.

/s/ Xxxx X. Xxxxxx
President

ESVI-HH(XC)

Aetna Life Insurance and Annuity Company

ENDORSEMENT

The Contract and the Certificate, (as applicable), is hereby endorsed.

The term Valuation Period under General Definitions is amended to read as
follows:

The period of time for which a Fund determines its net asset value,
usually from 4:15 p.m. Eastern time each day the New York Stock Exchange
is open until 4:15 p.m. the next such day, or such other day that one or
more of the Funds determines its net asset value.

Endorsed and made a part of the Contract.

/s/ X. X. Xxxxxxx
President
Aetna Life Insurance and Annuity Company

EVP-IC

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