Aetna Life Insurance and Annuity Company
ENDORSEMENT
This Contract is endorsed to provide an additional accumulation option. This
option does not replace or limit the use of any other option(s) available under
this Contract. This option is know as TCI Growth. The use of this option is
described and limited as follows:
1. TCI Growth is one of three portfolios of TCI Portfolios, Inc., a
registered open-end management investment company.
2. All references to Fund(s) in this Contract shall include TCI Growth
unless specifically indicated otherwise.
3. Net Return Factor - Separate Account: The Net Return Factor for TCI
Growth is equal to 1.0000000 plus the Net Return Rate.
The Net Return Rate for TCI Growth notwithstanding any other provisions
of this Contract, is equal to:
a. The value of shares of TCI Growth held by the Separate Account at
the end of a Valuation Period; minus
b. The value of shares of TCI Growth held by the Separate Account at
the start of the Valuation Period; plus or minus
c. Taxes (or reserves for taxes) on the Separate Account (if any);
divided by
d. The total value of the TCI Growth Record Units 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 profits; and
f. A daily administrative charge which will not exceed 0.25% on an
annual basis.
The Net Return Rate may be more or less than 0.
The value of a share of TCI Growth is equal to the net assets of TCI
Growth divided by the number of outstanding shares of TCI Growth.
The daily administrative charge may be changed annually except for
amounts which have been used to purchase an Annuity. This charge will
not exceed 0.25% on an annual basis.
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
