The allegations read: Customer alleges that misrepresentation and negligence in connection with sale and servicing of his ing variable annuity purchased in 2005 with an initial deposit of $75,000.00. Customer understood that variable annuity contract carried a 7% living benefit rider, and took withdrawls from contract consistent with that understanding. Customer recently learned that living benefit rider was not included within his contract, and has requested correction to add rider retroactive to issuance and credit for amounts withdrawn.