EARNINGS ENHANCEMENT DEATH BENEFIT RIDER
RELIASTAR
LIFE INSURANCE COMPANY
OF NEW YORK

A Stock Company.
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                       (Hereinafter called we, us and our)

The  Contract to which this Rider is attached is modified by the  provisions  of
the Rider.  This Rider's  provisions  control where there is a conflict  between
this Rider and the  Contract.  This Rider is effective  as of the Contract  Date
unless a different date, the Rider Date, is stated below.

This Rider is not available if there are multiple Contract Owners.

EARNINGS ENHANCEMENT DEATH BENEFIT

On the date we receive due proof of the Owner's death  (Annuitant's death if the
Owner is not a natural  person),  we will include in any Death  Benefit  payable
under the  Contract,  an Earnings  Enhancement  Death Benefit in addition to any
other benefits paid or payments due under the Contract. This benefit is equal to
the  lesser of (a) or (b) as of the date we  receive  due  proof of the  Owner's
death,  but not  less  than  zero,  multiplied  by the EEB  Factor  shown in the
Schedule  for the Owner's  Attained Age on the Rider Date (the Rider Issue Age),
where:
(a) is the EEB Base; and
(b) is the Maximum EEB Base.

EEB BASE

If the Rider Date is the same as the  Contract  Date,  the EEB Base shall be the
Accumulation  Value minus premiums paid,  adjusted for any  withdrawals.  If the
Rider  Date is  other  than  the  Contract  Date,  the  EEB  Base  shall  be the
Accumulation Value minus the sum of the Accumulation Value on the Rider Date and
any premiums paid after the Rider Date, adjusted for any withdrawals.

MAXIMUM EEB BASE

If the Rider Date is the same as the Contract  Date,  the Maximum EEB Base shall
be equal to the premiums  paid adjusted for any  withdrawals,  multiplied by the
Maximum EEB Base Factor.  If the Rider Date is other than the Contract Date, the
Maximum EEB Base shall be equal to the Accumulation Value on the Rider Date plus
subsequent premiums paid adjusted for subsequent withdrawals,  multiplied by the
Maximum EEB Base Factor. The Maximum EEB Base Factor is shown in the Schedule.

PARTIAL WITHDRAWAL ADJUSTMENTS

For any  partial  withdrawal,  the EEB Base  and the  Maximum  EEB Base  will be
reduced on a prorata  basis.  The prorata  adjustment is equal to (1) divided by
(2),  multiplied by (3), where: (1) is the Accumulation Value withdrawn,  (2) is
the Accumulation Value immediately prior to withdrawal, and (3) is the amount of
the EEB Base or  Maximum  EEB  Base,  as  applicable,  immediately  prior to the
withdrawal.

EEB CHARGES

The charge for this Rider is a percentage of the  Accumulation  Value, as of the
deduction  date.  It is deducted in arrears from each  division in proportion to
the percentage of the Variable Separate Account  Accumulation Value allocated to
each  division.  If there is  insufficient  Accumulation  Value in the  Separate
Account,  charges will be deducted from the Fixed Division nearest maturity. The
maximum  rate and  frequency  of deduction of charges are stated on the Schedule
Page. We may charge less than the maximum. Deduction dates are measured from the
Contract Date.

If the Contract to which the Rider is attached, or this Rider, is terminated for
any reason,  the Rider  charge for the current  period will be deducted pro rata
from the Accumulation  Value prior to termination of the Contract.  Charges will
be calculated using the Accumulation Value immediately prior to termination.


CHANGE OF OWNER

A change of Owner from a sole Owner to a sole Owner will result in recalculation
of the EEB Base and the Maximum EEB Base using the Accumulation  Value as of the
date of the change. In addition, the EEB Factor, Maximum EEB Base Factor and EEB
Charge  Maximum  Rate will be  adjusted  if  applicable,  using the new  Owner's
Attained Age as the Rider Issue Age. If the new Owner's Attained Age at the time
of the change exceeds the EEB Maximum Age, this Rider will

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terminate. If a change in ownership results in multiple Owners, this Rider will
terminate. The EEB Maximum Age is shown in the Schedule.

CONTINUATION UPON DEATH OF OWNER

If at the Owner's  death,  the  surviving  spouse of the  deceased  Owner is the
Beneficiary  and such surviving  spouse elects to continue the Contract as their
own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions
of U.S.  Treasury  Department  rules for qualified  plans,  as  applicable,  any
benefit payable under this Rider is added to the Contract's  Accumulation Value.
Unless otherwise requested,  such addition will be allocated to the divisions of
the Separate  Account in the same proportion as the  Accumulation  Value in each
division bears to the Accumulation Value in the Separate Account. If there is no
Accumulation  Value in the Separate  Account,  the addition will be allocated to
the Liquid Asset Division, or its successor.

If the Attained Age of the surviving spouse is less than the EEB Maximum Age:
1. The EEB Base  thereafter  will be equal to (a) minus the sum of (b) plus (c),
adjusted for any withdrawals, where:

(a) is the Accumulation Value;

(b) is the  Accumulation  Value  on the date we  receive  due  proof  of  death,
including any benefits or amounts added to the Accumulation Value as a result of
death, and

(c) is any subsequent premium payments;

2. The Maximum EEB Base will be reset based on the Accumulation  Value as of the
date we receive due proof of death, adjusted for subsequent premium payments and
withdrawals;

3. The EEB Factor and Maximum EEB Base Factor will be reset if applicable, using
the spouse's Attained Age as the Rider Issue Age; and

4. The Maximum Annual Charge Rate for this Rider will be unchanged.

If the  Contract  is  continued  in  effect  after  the  death of the Owner by a
non-spouse Beneficiary, or a spouse Beneficiary who exceeds the Maximum EEB Age,
the benefit payable under this Rider will be added to the Accumulation  Value as
stated above and this Rider will terminate.

RIDER TERMINATION


This Rider will terminate  immediately  upon occurrence of any of the following:

1. If the Contract to which this Rider is attached terminates, including
application of the Contract to an Income Option;

2. On death of the Owner, unless the Contract is continued on the life of the
Owner's spouse whose Attained Age is less than the EEB Maximum Age;

3. If the Owner is not a natural person and the Annuitant dies;

4. If ownership of the Contract changes and the Attained Age of new Owner
exceeds the EEB Maximum Age or the change results in multiple Owners; or

5. If the Accumulation Value is insufficient to cover the EEB Charge deduction.

This  Rider  has no  surrender  value  or  other  non-forfeiture  benefits  upon
termination.  This Rider may not be cancelled  unless the Contract is terminated
or  surrendered,  subject to the  "Change of Owner" and the "Rider  Termination"
provisions above.

Rider Date: _________________________
(if other than Contract Date)


Signed: /s/James R. Gelder

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