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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK

                         SURRENDER CHARGE ENDORSEMENT

This endorsement is effective on the Contract Date. It amends the Definitions
section by deleting the Surrender Value definition and adding the following:

Surrender Value - The Contract Value on the date we receive your written
request for surrender in our Service Center less any premium tax and charges.
These charges include any surrender charge.

The Contract Value Benefits section is amended by deleting the Withdrawal
provision and adding the following:

Withdrawal

You may take a withdrawal from the Contract Value prior to the Annuity
Commencement Date. The allowable withdrawal amount is subject to limitations as
shown on the Contract Data Pages. The amount payable to you will be the amount
of the withdrawal, less any surrender charge and premium tax.

You may tell us how to deduct the withdrawal from the Investment Options. If
you do not, the withdrawal will be deducted from the Investment Options on a
prorata basis. A Portfolio may impose a redemption charge on Subaccount assets
that are redeemed from the Portfolio in connection with a withdrawal. The
Portfolio determines the amount of the redemption charge. The charge is
retained by or paid to the Portfolio. The charge is not retained by or paid to
us. The redemption charge may affect the number and/or value of Accumulation
Units withdrawn from the Subaccount that invests in that Portfolio and may
affect Contract Value.

Surrender Charge

All or part of the amount withdrawn or surrendered may be subject to a
surrender charge. The surrender charge is a percentage of each Purchase
Payment. The applicable percentage for each Purchase Payment is shown in the
Table of Surrender Charges on the Contract Data Pages. The number of years
shown in the table represents the number of full and partially completed years
since the Purchase Payment was received.

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For each Contract year, an amount equal to the free withdrawal amount may be
withdrawn during each Contract year without a surrender charge (the "free
withdrawal amount"). The free withdrawal amount is defined on the Contract Data
Pages. Any amount withdrawn in excess of the free withdrawal amount may be
subject to a surrender charge. For purposes of determining the applicable
surrender charge, the amount subject to a surrender charge will be deducted
from Purchase Payments on a first-in, first-out basis. Amounts withdrawn that
are not subject to surrender charge may be taken as a series of periodic
payments instead of a lump sum.

For Genworth Life Insurance Company of New York,

                                                  [/s/ David J. Sloane
                                                  ------------------------------
                                                  David J. Sloane
                                                  President]

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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK

                    WAIVER OF SURRENDER CHARGE ENDORSEMENT

This endorsement is effective on the Contract Date. It amends the Contract
Value Benefits section by adding the following:

Waiver of Surrender Charge in the Event of Terminal Illness

We will waive the surrender charge for surrender of one or more withdrawals if:

    .  any Annuitant has been diagnosed with a terminal illness by a licensed
       physician; and

    .  which a licensed physician certifies is expected to result in death
       within 12 months of the certification; and

    .  the diagnosis was made at least one year after the Contract Date; and

    .  the surrender or withdrawal occurs after diagnosis; and

    .  we receive satisfactory proof that the Annuitant has a terminal illness.

Satisfactory proof will include a properly completed claim form and a written
statement from a licensed physician. The licensed physician must be someone
other than you, the Annuitant, or an Annuitant(s)'s relative. We reserve the
right to obtain a second medical opinion at our expense.

For Genworth Life Insurance Company of New York,

                                                  [/s/ David J. Sloane
                                                  ------------------------------
                                                  David J. Sloane
                                                  President]

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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                      OPTIONAL DEATH PROCEEDS ENDORSEMENT

This endorsement is effective on the Contract Date. It amends the Death
Provisions section by deleting the Amount Payable When Death Occurs Before
Annuity Commencement Date provision and adding the following:

Amount Payable When Death Occurs Before Annuity Commencement Date

Amount Payable upon the Death of an Owner or Joint Owner Who Is Not Also an
Annuitant: The amount payable is the Contract Value on the first Valuation Day
that we have received Proof of Death.

Death Benefit provisions upon the Death of an Annuitant or Joint Annuitant: The
amount payable (the "Death Benefit") is the greater of (a) and (b), where:

    (a)is Purchase Payments adjusted as stated below for any withdrawals and
       premium tax; and

    (b)is the Contract Value on the first Valuation Day that we have received
       Proof of Death.

Withdrawals reduce the Death Benefit proportionally by the same percentage that
the withdrawal, including any surrender charges and premium taxes, reduces the
Contract Value.

For Genworth Life Insurance Company of New York,

                                                  [/s/ David J. Sloane
                                                  ------------------------------
                                                  David J. Sloane
                                                  President]

NY5344 3/07                           1<PAGE>

   GENWORTH LIFE INSURANCE COMPANY OF NEW YORK INDIVIDUAL RETIREMENT ANNUITY
                                  ENDORSEMENT

The policy or contract ("Contract") to which this Endorsement is attached is
issued as an individual retirement annuity ("IRA") described in Section 408(b)
of the Internal Revenue Code of 1986 (the "Code"), and all provisions of the
Contract, as endorsed, shall be interpreted in accordance with the requirements
of that Section. Where the provisions of the Endorsement are inconsistent with
the provisions of the Contract, or any rider of the Contract, the provisions of
the Endorsement will control. Notwithstanding any provision contained therein
to the contrary, the Contract to which this Endorsement is attached is amended
as follows:

Article 1--Owner

The Owner must be the sole Owner of the Contract. A Joint Owner cannot be
named. Also, except as otherwise permitted under the Code and applicable
regulations, the Owner cannot be changed. All distributions made while the
Owner is alive must be made to the Owner. All distributions made while the
Owner is alive must be made to the Owner. While living, the Owner will be the
Annuitant.

Article 2--Nontransferable and Nonforfeitable

The Contract is established for the exclusive benefit of the Owner and his or
her beneficiaries. The interest of the Owner in this Contract is
nontransferable and, except as provided by law, is nonforfeitable. In
particular, the Contract may not be sold, assigned, discounted, or pledged as
collateral for a loan or as security for the performance of an obligation or
for any other purpose to any person other than to the Company.

Article 3--Premium Payments

Except in the case of a rollover contribution (as permitted by Sections 402(c),
402(e)(6), 403(a)(4), 403(b)(8), 403(b)(1 0), 408(d)(3), and 457(e)(1 6) of the
Code) or a contribution made in accordance with the terms of a Simplified
Employee Pension (SEP) as described in Section 408(k) of the Code, or a
nontaxable transfer from an individual retirement account under Section 408(a)
of the Code or another IRA under Section 408(b) of the Code, contributions must
be paid in cash and the total of such contributions shall not exceed:

    (a)$3,000 for any taxable year beginning in 2002 through 2004; $4,000 for
       any taxable year beginning in 2005 through 2007; and $5,000 for any
       taxable year beginning in 2008 and years thereafter.

   After 2008, the limit will be adjusted by the Secretary of the Treasury for
cost-of-living increases under Code Section 21 9(b)(5)(C). Such adjustments
will be in multiples of $500.

    (b)In the case of an Owner who is 50 or older, the annual cash contribution
       limit is increased by:

       $500 for any taxable year beginning in 2002 through 2005; and $1,000 for
       any taxable year beginning in 2006 and years thereafter.

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    (c)In addition to the amounts described in paragraphs (a) and (b) above, an
       Owner may make a repayment of a qualified reservist distribution
       described in Code Section 72(t) (2) (G) during the 2-year period
       beginning on the day after the end of the active duty period or by
       August 17, 2008, if later.

    (d)In addition to the amounts described in paragraphs (a) and (c) above, an
       Owner who was a participant in a Section 401(k) plan of a certain
       employer in bankruptcy described in Code Section 219(c) (5) (C) may
       contribute up to $3,000 for taxable years beginning after 2006 and
       before 2010 only. An Owner who makes contributions under this paragraph
       (d) may not also make contributions under paragraph (b).

No contribution will be accepted under a SIMPLE IRA plan established by any
employer pursuant to Code Section 408(p). No transfer or rollover of funds
attributable to contributions made by a particular employer under its SIMPLE
IRA plan will be accepted from a SIMPLE IRA, that is, an IRA used in
conjunction with a SIMPLE IRA plan, prior to the expiration of the 2-year
period beginning on the date the Owner first participated in that employer's
SIMPLE IRA plan.

The minimum additional premium is $50.00, if additional premium payments are
allowed under the Contract.

Any refund of premiums (other than those attributable to excess contributions)
will be applied, before the close of the calendar year following the year of
the refund, toward the payment of future premiums or the purchase of additional
benefits.

Article 4--Required Distributions Generally

Notwithstanding any provision of this IRA to the contrary, the distribution of
the Owner's interest in the IRA shall be made in accordance with the
requirements of Code Section 408(b)(3) and the regulations thereunder, the
provisions of which are herein incorporated by reference. If distributions are
not made in the form of an annuity on an irrevocable basis (except for
acceleration), then distribution of the interest in the IRA (as determined in
the next paragraph) must satisfy the requirements of Code Section 408(a)(6) and
the regulations thereunder, rather than Articles 5, 6 and 7 below.

The "interest" in the IRA includes the amount of any outstanding rollover,
transfer and recharacterization under Q&As-7 and -8 of Section 1.408-8 of the
Income Tax Regulations and the actuarial value of any other benefits provided
under the IRA, such as guaranteed death benefits.

Article 5--Required Beginning Date

As used in this Endorsement, the term "required beginning date" means April 1
of the calendar year following the calendar year in which the Owner attains age
70 1/2, or such later date provided by law.

For purposes of Articles 6 and 7 below, required distributions are considered
to commence on the individual's required beginning date or, if applicable, on
the date distributions are required to begin to the surviving spouse under
paragraph (2) of Article 7 below. However, if distributions start prior to the
applicable date in the preceding sentence, on an irrevocable basis (except for
acceleration) under an annuity contract meeting the requirements of Section
1.401 (a)(9)-6 of the Income Tax Regulations, then required distributions are
considered to commence on the annuity start date.

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If the sole designated beneficiary is the individual's surviving spouse, the
spouse may elect to treat the IRA as his or her own IRA. This election will be
deemed to have been made if such surviving spouse makes a contribution to the
IRA or fails to take required distributions as a beneficiary.

Article 6 - Distributions During Owner's Life

The Owner's entire interest in the Contract shall be distributed no later than
the required beginning date, or commence to be distributed beginning no later
than the required beginning date over (a) the life of the Owner, or the lives
of the Owner and his or her designated beneficiary (within the meaning of
Section 401 (a)(9) of the Code) or (b) a period certain not extending beyond
the life expectancy of the Owner, or the joint and last survivor expectancy of
the Owner and his or her designated beneficiary. Payments must be made in
periodic payments at intervals of no longer than one year and must be either
nonincreasing or they may increase only as provided in Q&A-1 and -4 of
Section 1.401 (a)(9)-6 of the Income Tax Regulations. In addition, any
distribution must satisfy the incidental benefit requirements specified in
Q&A-2 of Section 1.401 (a)(9)-6.

The distribution periods described in the preceding paragraph cannot exceed the
periods specified in Section 1.401 (a)(9)-6 of the Income Tax Regulations.

The first required payment can be made as late as April 1 of the year following
the year the Owner attains age 70 1/2 and must be the payment that is required
for one payment interval. The second payment need not be made until the end of
the next payment interval.

Article 7 - Distributions After Owner's Death

Death On or After Required Distributions Commence: If the Owner dies on or
after required distributions commence, any remaining portion of the Owner's
interest will be distributed under the contract option chosen.

Death Before Required Distributions Commence: If the Owner dies before required
distributions commence, his or her entire interest will be distributed at least
as rapidly as follows:

    (1)If the designated beneficiary is someone other than the Owner's
       surviving spouse, the entire interest will be distributed, starting by
       the end of the calendar year following the calendar year of the Owner's
       death, over the remaining life expectancy of the designated beneficiary,
       with such life expectancy determined using the age of the beneficiary as
       of his or her birthday in the year following the year of the Owner's
       death, or, if elected, in accordance with paragraph (3) below.

    (2)If the Owner's sole designated beneficiary is the Owner's surviving
       spouse, the entire interest will be distributed, starting by the end of
       the calendar year following the calendar year of the Owner's death (or
       by the end of the calendar year in which the Owner would have attained
       age 70 1/2, if later), over such spouse's life, or, if elected, in
       accordance with paragraph (3) below. If the surviving spouse dies before
       required distributions commence to him or her, the remaining interest
       will be distributed, starting by the end of the calendar year following
       the calendar year of the spouse's death, over the spouse's designated
       beneficiary's remaining life expectancy determined using such
       beneficiary's age as of his or her birthday in the year following the
       death of the spouse, or, if elected, will be distributed in accordance
       with paragraph (3) below. If the surviving spouse dies after required
       distributions commence to him or her, any remaining interest will
       continue to be distributed under the contract option chosen.

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    (3)If there is no designated beneficiary, or if applicable by operation of
       paragraph (1) or (2) above, the entire interest will be distributed by
       the end of the calendar year containing the fifth anniversary of the
       Owner's death (or of the spouse's death in the case of the surviving
       spouse's death before distributions are required to begin under
       paragraph (2) above).

    (4)Life expectancy is determined using the Single Life Table in Q & A -1 of
       Section 1.401 (a)(9)-9 of the Income Tax Regulations. If distributions
       are being made to a surviving spouse as the sole designated beneficiary,
       such spouse's remaining life expectancy for a year is the number in the
       Single Life Table corresponding to such spouse's age in the year. In all
       other cases, remaining life expectancy for a year is the number in the
       Single Life Table corresponding to the beneficiary's age in the year
       specified in paragraph (1) or (2) and reduced by 1 for each subsequent
       year.

Article 8--Optional Payment Plans

All optional payment plans under the Contract must meet the requirements of
Section 408(b) of the Code and applicable regulations. The provisions of this
Endorsement reflecting the requirements of Code Sections 401 (a)(9) and 408(b)
override any optional payment plan inconsistent with such requirements.

If a guaranteed period of payments is chosen under an optional payment plan,
the length of the period must not exceed the applicable maximum period under Q
& As-3 and -10 of Section 1.401 (a)(9)-6 of the Tax Regulations.

Article 9--Annual Reports

The Company will furnish annual calendar year reports concerning the status of
this Contract and such information concerning required minimum distributions as
is prescribed by the Commissioner of Internal Revenue.

Article 10--Code Requirements

The provisions of this Endorsement are intended to comply with requirements of
the Code and applicable regulations for IRAs under Section 408(b) of the Code.
The Company reserves the right to amend the Contract and this Endorsement from
time to time, without the Owner's consent, when such an amendment is necessary
to assure continued qualification of this Contract as an IRA under
Section 408(b) of the Code (and any successor provision) as in effect from time
to time. The owner has the right to refuse to accept any such amendment;
however, we shall not be held liable for any tax consequences incurred by the
Owner as a result of such refusal.

For Genworth Life Insurance Company of New York,

                                                  [/s/ David Sloane
                                                  ------------------------------
                                                  David Sloane
                                                  President]

NY5369 8/07                           4

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