||||GOLDEN                           Waiver of Surrender Charge Rider
 ||||||AMERICAN
|||||||LIFE INSURANCE
   ||||COMPANY

Golden American is a stock company domiciled in Wilmington, Delaware.
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Golden  American Life Insurance  Company ("we" or "us") will waive any Surrender
Charge  incurred  due to a  surrender  or Excess  Partial  Withdrawal  under the
Certificate  in the event the  Certificateowner  ("you") is subject to Qualified
Extended  Medical Care or suffers from a Qualifying  Terminal Illness subject to
the terms and conditions stated below:

Extended Medical Care
To qualify for this waiver, you must first begin receiving Qualified  Extended
Medical Care on or after the first  Certificate  Anniversary for at least 45
days during any continuous  sixty-day  period,  and your request for the
surrender or withdrawal,  together with proof of such Qualified Extended
Medical Care, must be received at our Customer Service Center during the term of
such care or within  ninety days after the last day upon which you received such
care.  "Qualified  Extended  Medical  Care"  means  confinement  in a  Qualified
Licensed  Hospital or Nursing Care Facility  prescribed by a Qualifying  Medical
Professional.  "Qualifying  Licensed  Hospital or Nursing Care Facility" means a
state-licensed  hospital or state-licensed  skilled or intermediate care nursing
facility at which  medical  treatment is  available on a daily basis;  and daily
medical reords are kept on each patient.  This does not include a facility whose
purpose  is to  provide  accommodations,  board or  personal  care  services  to
individuals  who do not need  medical or nursing  care;  nor a place  mainly for
rest.  "Qualifying Medical Professional" means a legally-qualified  practitioner
of the healing arts who is acting within the scope of his or her license; is not
a resident of your household or that of the Annuitant; and is not related to you
or the Annuitant by blood or marriage.

Terminal Illness
To qualify for this waiver,  you must be first diagnosed by a Qualifying Medical
Professional,  on or  after  the  first  Certificate  Anniversary,  as  having a
Qualifying Terminal Illness. Written proof of terminal illness,  satisfactory to
us, must be received at our  Customer  Service  Center.  We reserve the right to
require an  examination  by a  physician  of our  choice.  "Qualifying  Terminal
Illness"  means an illness or  accident,  the result of which  results in a life
expectancy of twelve months or less, as measured from the date of diagnosis.

Claims
Evidence,  satisfactory  to us,  must be  submitted  to  qualify  for  waiver of
Surrender  Charge pursuant to this Rider.  This evidence will be in writing and,
where applicable, be attested to by a Qualified Medical Professional. This Rider
is attached to and becomes part of the Certificate to which it is attached.  The
provisions of this Rider shall supersede the provisions of the Certificate where
applicable.


              GOLDEN AMERICAN LIFE INSURANCE COMPANY



President: /s/Chris Schreier           Secretary: /s/Paula Cludray-Engelke


GA-RA-1003-12/94