Aetna Life Insurance and Annuity Company
ENDORSEMENT
This Contract is hereby endorsed as follows:
Section 3.02 Guaranteed Interest Rate - Fixed Account is amended and
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 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.
Section 3.15 Payment of Surrender Value is amended by restating the last
paragraph as follows:
During the payment period, the interest rate 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
President
Aetna Life Insurance and Annuity Company
EPIRA-GI-98
