TRAVELERS INSURANCE COMPANY

                                 [One City Place
                            Hartford, CT 06103-3415]

ROTH 401 ENDORSEMENT

This Endorsement forms a part of the Contract to which it is attached and is
effective on the Issue Date, or the date that a provision is required under the
Code, if later. In the case of a conflict with any provision in the Contract,
the provisions of this Endorsement will control.

This Endorsement amends the Contract as follows:

Notwithstanding any provision in the Contract, or in any prior endorsement
thereto, this Endorsement permits the Contract to accept Purchase Payments under
a "qualified Roth contribution program" within the meaning of Code Section
402A(b)(1), to the extent permitted under the Plan and under Code Section 402A.

Purchase Payments under a qualified Roth contribution program that are
"designated Roth contributions" within the meaning of Code Section 402A(c)(1),
and any earnings properly attributable to such payments, shall be held in a
"designated Roth account" within the meaning of Code Section 402A(b)(2)(A).

Loans may be permitted from a designated Roth account, if made in accordance
with our administrative procedures in place at the time of the loan application.

We may implement, in accordance with our administrative procedures, an ordering
rule for distributions and withdrawals (including, but not limited to, hardship
or other permitted in-service withdrawals) from among a designated Roth account
and other accounts under the Contact, to the extent permitted by the Code.

All other terms and conditions of the Contract remain unchanged.

Travelers Insurance Company has caused this Rider to be signed by its President

[/s/ C. Robert Henrikson]
-------------------------
[President]

L-22468(11/05)