ENDORSEMENT This Contract is hereby endorsed to add the following new provision to INDIVIDUAL ANNUITY PLAN, Section 6.02, SURRENDER FEE: (c) In an amount equal to or less than 10% of the current Contract Cash Value, as part of the first partial...

                                  EX-99.B.4.12

                    AETNA LIFE INSURANCE AND ANNUITY COMPANY

                                   ENDORSEMENT

This Contract is hereby endorsed to add the following new provision to
INDIVIDUAL ANNUITY PLAN, Section 6.02, SURRENDER FEE:

         (c)    In an amount equal to or less than 10% of the current Contract
                Cash Value, as part of the first partial surrender request in a
                calendar year. The Contract Cash 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 effective September 1, 1989.

                                  /s/ Xxxxxx X. XxXxxxxxx




                                  President
                                  Aetna Life Insurance and Annuity Company