EXHIBIT 4(b)(ii) THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK At the request of the Applicant, the Company hereby amends the provisions of this contract by the addition of the following section: RESTRICTION ON TRANSFERABILITY. Any...

                                                                EXHIBIT 4(b)(ii)


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

At the request of the Applicant, the Company hereby amends the provisions of
this contract by the addition of the following section:

     RESTRICTION ON TRANSFERABILITY.  Any provision contained herein to the
     contrary notwithstanding, this contract may not be sold, assigned,
     discounted, or pledged as collateral or as security for the performance of
     an obligation or for any other purpose, to any person other than the
     Company.  Nothing contained in this endorsement, however, shall operate to
     prevent the Owner from exercising the right to name and change
     beneficiaries or the right to elect any method of settlement provided under
     the settlement provisions of this contract.



                                                 Xxxxx Xxxxx
                                                 President