ENDORSEMENT This Contract is hereby endorsed to add the following provision to the section Surrender Value under DEPOSIT, RESERVE, AND SURRENDER VALUE PROVISIONS: On the tenth anniversary of the Effective Date of this Contract, the surrender fee shall...

                    Aetna Life Insurance and Annuity Company

                                   ENDORSEMENT

This Contract is hereby endorsed to add the following provision to the section
Surrender Value under DEPOSIT, RESERVE, AND SURRENDER VALUE PROVISIONS:

         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