Document:

Golden American Life Insurance Company
                               ("GALIC")

                              Endorsement

The Contract or Certificate is endorsed to add the following provisions.

  GET Fund
     Each GET Fund series is a separate Fund.

  GET Fund Offering Period (Offering Period)
     The period,  usually from one to three months,  during which
     Owners/Contract  Holders/Certificate  Holders, whichever  applies,  may
     transfer or deposit  amounts to a GET Fund series. Each GET Fund series has
     a specified Offering Period.  Amounts  transferred or deposited  prior to
     the date on which the  Guarantee  Period  begins are invested in money
     market instruments.

     GALIC reserves the right to state the minimum amount Owners/Contract
     Holders/Certificate Holders, whichever  applies, may transfer or deposit to
     each Offering Period.  GALIC also reserves the right to extend an Offering
     Period or accept transfers or deposits to a GET Fund series during the
     series' Guarantee Period.

     GALIC reserves the right to specify a minimum total asset amount required
     at the end of an Offering Period to continue to offer a GET Fund series. If
     the minimum is not achieved or if the Fund's Board of Trustees determines
     due to unfavorable market conditions not to operate the GET Fund series in
     accordance with its investment objective and strategies, GALIC reserves the
     right not to begin the Guarantee Period.

     If the Guarantee Period will not commence, GALIC will send written notice
     to all Owners/Contract Holders/Certificate Holders who have made transfers
     or deposits to that GET Fund series.  Notice will be mailed no later than
     15 calendar days after the end of the Offering Period.  Owners/Contract
     Holders/Certificate Holders then have 45 calendar days from the end of the
     Offering Period to redirect amounts in the terminated GET Fund series to
     one or more investment options available under the Contract.  During this
     time, GET Fund assets are invested in money market instruments.  If no
     election is made by the end of the 45-day period, at the next Valuation
     Period, GALIC will transfer the amount in the terminated GET Fund series to
     the money market fund investment option available under the Contract.

     GALIC  reserves the right to specify a maximum total asset amount for a GET
     Fund series.  If the maximum is achieved,  GALIC also reserves the right to
     set a date on which it will stop  accepting  transfers or deposits for that
     GET Fund series.

  GET  Fund   Reinvestment
     In  the  event  of  a  Contract   surrender  and  reinstatement
     (if available under the Contract),  amounts  attributable to GET will be
     reinstated to a GET series if an Offering  Period is available. If no GET
     series Offering Period is available,  amounts will be reallocated  among
     the other  available  investment  options under the Contract in which
     the   Owner/Contract   Holder/Certificate   Holder  was   invested,   on  a
     proportionate basis.

  GET Fund Guarantee Period (Guarantee  Period)
     For each GET Fund  series,  the  period  for which  the GET Fund  Guarantee
     applies. The Guarantee Period ends on the Maturity Date.

  GET Fund Maturity Date (Maturity Date)
     The date on which a series' Guarantee Period ends and GET Fund Record Units
     for the series are liquidated.

     Prior to the Maturity Date for each GET Fund series,  GALIC sends a written
     notice  of the  date to all  Owners/Contract  Holders/Certificate  Holders,
     whichever applies,  who have Current Value in that series.  Owners/Contract
     Holders/Certificate  Holders  must  then  inform  GALIC  of the  investment
     option(s) to which to transfer  that Current  Value.  If an  Owner/Contract
     Holder/Certificate  Holder does not make an election,  on the Maturity Date
     GALIC  will  transfer  the  Current  Value to the then  available  GET Fund
     series,  if an  Offering  Period is  available.  If no  Offering  Period is
     available,  GALIC  will  transfer  the  Current  Value to the fund or funds
     designated by GALIC in the written notice.

GA-RA-1085                             1

<PAGE>

  GET Fund  Guarantee
     On the Maturity  Date of each GET Fund series,  the GET  Fund  Record Unit
     Value for that series will not be less than the GET Fund Record  Unit Value
     determined  at the close of business on the last day of the Offering
     Period.  If  necessary,  GALIC will  transfer  funds from its General
     Account to the Separate  Account to offset any shortfall in the GET Fund
     Record  Unit  Value.  The  GET  Fund  Guarantee  does  not  apply  to
     withdrawals or transfers made before the Maturity Date.

     If GET  Fund  Record  Units  are  adjusted  at any  time  during a GET Fund
     Guarantee Period, the GET Fund Guarantee will be restated. The restated GET
     Fund  Guarantee will be calculated so that it is equivalent to the original
     GET Fund Guarantee for that series.

  Charge for GET Fund  Guarantee
     The  Separate  Account  or Fund  Investment Increment  or Net Return
     Factor(s)  or Net Return Rate will be minus a fee for the GET Fund
     Guarantee  which is deducted  daily during the  Guarantee Period.  The fee
     is  determined  prior  to the  beginning  of each  series' Offering Period.

     The daily charge for the GET Fund Guarantee for each series offered will be
     at an annual rate of no more than 0.75%.

     GET Fund Transfer or  Withdrawal
     A transfer or  withdrawal  from a GET Fund
     series  before the Maturity  Date will be based on the GET Fund Record Unit
     Value  for the next  Valuation  Period  following  the date on which  GALIC
     receives a transfer request in good order at its Customer Service Center.

 Endorsed and made part of the Contract or Certificate on on the Effective Date.

                                         /s/Chris Schreier

                                         President
                                         Golden American Life Insurance Company

GA-RA-1085                             2||||GOLDEN
 ||||||AMERICAN                                        Section 72 Rider
|||||||LIFE INSURANCE
  |||||COMPANY

Golden American is a stock company domiciled in Delaware.
--------------------------------------------------------------------------------

Required  Distribution  of Proceeds on Death of  Certificateowner
This Rider is required to qualify the  Contract or  Certificate  to which it is
attached as an annuity Contract or Certificate under Section 72 of the Internal
Revenue Code of 1986,  as amended  (the  "Code").  Where the terms of this Rider
are in conflict with the terms of the Contract or  Certificate,  the Rider will
control.  Golden American Life  Insurance  Company  reserves the right to amend
or administer the
Contract,  Certificate  and Rider as  necessary  to comply with  applicable  tax
requirements.  This Rider and the Contract or Certificate should be construed so
that they comply with applicable tax requirements.

Death  of  Certificateowner  On  Or  After  Annuity  Commencement  Date
IF ANY CERTIFICATEOWNER DIES ON OR AFTER the Annuity Commencement Date but prior
to the time the entire interest in the Certificate has been distributed,  the
remaining portion  will be  distributed  at  least  as  rapidly  as under  the
method of distribution being used as of the date of the Certificateowner's
death.

Death  of   Certificateowner   Prior  to  Annuity   Commencement   Date
IF ANY CERTIFICATEOWNER DIE  PRIOR  TO the Annuity Commencement Date, the entire
interest  in the  Certificate  will be  distributed  within  five  years  of the
Certificateowner's   death.  However,  this  distribution  requirement  will  be
considered satisfied as to any portion of the Certificateowner's interest in the
Certificate  which is payable to or for the benefit of a Designated  Beneficiary
and which will be distributed  over the life of such  Designated  Beneficiary or
over a period  not  extending  beyond  the life  expectancy  of that  Designated
Beneficiary,   provided  such  distributions   begin  within  one  year  of  the
Certificateowner's  death. If the Designated Beneficiary is the surviving spouse
of the decedent,  the  Certificate may be continued in the name of the spouse as
Certificateowner and these distribution rules are applied by treating the spouse
as the  Certificateowner.  However,  on the death of the surviving spouse,  this
provision  regarding spouses may not be used again. If any  Certificateowner  is
not an individual,  the death or change (where  permitted) of the Annuitant will
be treated as the death of an  Certificateowner.  The Designated  Beneficiary is
the person entitled to ownership  rights under the  Certificate.  Thus, where no
death benefit has become payable, the Designated  Beneficiary,  for the purposes
of applying this Rider, will be the  Certificateowner(s).  Where a death benefit
has become  payable,  the Designated  Beneficiary,  for the purposes of applying
this Rider,  is the  person(s)  entitled  to the death  benefit,  generally  the
Beneficiary or surviving  Certificateowners,  as appropriate.  Upon the death of
any   Certificateowner,    the   Designated    Beneficiary   will   become   the
Certificateowner  and,  if an  individual,  will become the  Annuitant.  * * * A
Certificateowner  may notify  Golden  American as to the manner of payment under
this Rider. If such  Certificateowner  has not so notified Golden American prior
to his or her death,  the Designated  Beneficiary  under the  Certificate may so
notify Golden American.

                                    GOLDEN AMERICAN LIFE INSURANCE COMPANY

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

GA-RA-1002-12/94

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