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MINNESOTA LIFE ENDORSEMENT
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This endorsement, when attached to the contract, modifies certain contract
provisions so as to change the contract to a Single Payment Immediate Annuity.
Notwithstanding any provisions of this contract to the contrary, a
participant may request that the purchase payment be applied to provide for
immediate annuity payments to begin within sixty days of the purchase
payment. In that event neither an administrative charge nor any reduction in
the accumulation value will be made. The greater of the then current
immediate annuity purchase rates offered by Minnesota Life or the guaranteed
purchase rates as shown in the contract will be used to determine the monthly
annuity payments.
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__________________________ _________________________
Secretary President
MHC-82-9032 MINNESOTA LIFE INSURANCE COMPANY