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                                                              Exhibit 10(h)
               GOLDEN AMERICAN LIFE INSURANCE COMPANY
                            SURPLUS NOTE

Golden American Life Insurance Company agrees to pay First Columbine
Life Insurance Company a Colorado corporation, the sum of $35 million
($35,000,000.00) plus interest at the rate of 7.979% per annum from
the date hereof, December 8, 1999 until paid.  In any event, this
note will mature on December 7, 2029.

This Surplus Note and accrued interest thereon shall be subordinate
to payments due to policyholders, claimant and beneficiary claims, as
well as debts owed to all other classes of debtors, other than
surplus note holders, of Golden American Life Insurance Company in
the event of (a) the institution of bankruptcy, reorganization,
insolvency or liquidation proceedings by or against Golden American
Life Insurance Company, or (b) the appointment of a Trustee, receiver
or other Conservator for a substantial part of Golden American Life
Insurance Company properties.

Any payments made shall first apply to accrued interest, and the
balance of such payment shall apply to reduce the principal of this
Note.

Any payment of principal and/or interest made shall be subject to the
prior approval of the Delaware Insurance Commissioner.  If the
Commissioner has not approved payment of principal to retire the note
prior to its maturity date, the maturity date will be automatically
extended until such time as the Commissioner authorizes payment of
the final balance of principal.

Golden American Life Insurance Company hereby waives presentment and
notice of dishonor.

In witness whereof, Golden American Life Insurance Company has caused
this Note to be executed and delivered.

                              GOLDEN AMERICAN LIFE INSURANCE COMPANY

                              By: /s/ David L. Jacobson
                                  --------------------------------
                                  David L. Jacobson, Senior Vice
                                  President and Assistant Secretary

Attest by:

/s/ Myles R. Tashman
------------------------
Myles R. Tashman
Executive Vice President and Secretary

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                                                              Exhibit 10(i)
               GOLDEN AMERICAN LIFE INSURANCE COMPANY
                            SURPLUS NOTE

Golden American Life Insurance Company agrees to pay Equitable Life
Insurance Company of Iowa, an Iowa corporation, the sum of $50
million ($50,000,000.00) plus interest at the rate of 8.179% per
annum from the date hereof, December 30, 1999 until paid.  In any
event, this note will mature on December 29, 2029.

This Surplus Note and accrued interest thereon shall be subordinate
to payments due to policyholders, claimant and beneficiary claims, as
well as debts owed to all other classes of debtors, other than
surplus note holders, of Golden American Life Insurance Company in
the event of (a) the institution of bankruptcy, reorganization,
insolvency or liquidation proceedings by or against Golden American
Life Insurance Company, or (b) the appointment of a Trustee, receiver
or other Conservator for a substantial part of Golden American Life
Insurance Company properties.

Any payments made shall first apply to accrued interest, and the
balance of such payment shall apply to reduce the principal of this
Note.

Any payment of principal and/or interest made shall be subject to the
prior approval of the Delaware Insurance Commissioner.  If the
Commissioner has not approved payment of principal to retire the note
prior to its maturity date, the maturity date will be automatically
extended until such time as the Commissioner authorizes payment of
the final balance of principal.

Golden American Life Insurance Company hereby waives presentment and
notice of dishonor.

In witness whereof, Golden American Life Insurance Company has caused
this Note to be executed and delivered.

                              GOLDEN AMERICAN LIFE INSURANCE COMPANY

                              By:  /s/ David L. Jacobson
                                   ---------------------------------
                                   David L. Jacobson, Senior Vice
                                   President and Assistant Secretary

Attest by:

/s/ Marilyn Talman
-----------------------
Marilyn Talman
Vice President and Assistant Secretary

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                                                                Exhibit 4(e)
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  |   A GOLDEN OPPORTUNITY FOR SELECT CLIENTS
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  |   GoldenSelect/R/ Application
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  | [GOLDENSELECT/R/ appears down left margin]
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  |  Issued by Golden American Life Insurance Company
  |  Distributed by Directed Services, Inc., Member NASD
  |  GA-AA-1050                                         ING VARIABLE ANNUITIES
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GOLDEN AMERICAN LIFE INSURANCE COMPANY                DEFERRED VARIABLE ANNUITY
                                                                    APPLICATION
P.O. Box 2700, West Chester, PA 19380-2700 Phone:(800) 366-0066
Express Mail: ING Variable Annuities 1475 Dunwoody Drive West Chester, PA 19380
===============================================================================
|1(A)| OWNER
------
Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|1(B)| JOINT OWNER(S)          Relationship to Owner:
------                                               ----------------------

Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|2(A)| ANNUITANT (If other than owner)
------

Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|2(B)| CONTINGENT ANNUITANT (Optional)
------

Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
| 3 | BENEFICIARY(S)
-----                                                                Percentage

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Contingent Name:                Relationship to Owner:               %
                ---------------                       --------------  ---------

Contingent Name:                Relationship to Owner:               %
                ---------------                       --------------  ---------

===============================================================================
| 4 |
-----
PRODUCT(Select one plan)  DEATH BENEFIT OPTIONS (Select one)  RIDERS (Optional)

                         MAX 7 7% Solution  Ratchet  Standard  MGIB MGAB MGWB
/ / Premium Plus          / /       / /       / /       / /    / /  / /  / /
-------------------------------------------------------------------------------
/ / Access                / /       / /       / /       / /    / /  / /  / /
-------------------------------------------------------------------------------
/ / ES II                   ONLY ONE DEATH BENEFIT OFFERED     / /  / /  / /
-------------------------------------------------------------------------------
/ / Value                   ONLY ONE DEATH BENEFIT OFFERED     / /  / /  / /
-------------------------------------------------------------------------------
/ / DVA Plus              / /       / /       / /       / /    / /  / /  / /
-------------------------------------------------------------------------------
/ / Other:                / /       / /       / /       / /    / /  / /  / /
-------------------------------------------------------------------------------

ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR
OTHER PERSON FILES AN APPLICATION FOR INSURANCE CONTAINING ANY MATERIALLY FALSE
INFORMATION, OR CONCEALS FOR THE PUROSE OF MISLEADING INFORMATION CONCERNING
ANY FACT MATERIAL THER TO, COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME

GA-AA-1050                                    INDICIA                11/22/1999
104131

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===============================================================================
| 5 | INITIAL PREMIUM AND ALLOCATION INFORMATION
-----
A. INITIAL INVESTMENT
1) Initial Premium Paid: $________ (If initital premium is either an exchange
   or transfe, please indicate approximate premium.)  Please make check payable
   to Golden American Life Insurance Company
2) Fill in percentages for your initial investment allocation(s) in Column (A)
   below

B. DOLLAR COST AVERAGING (DCA) OPTIONAL
1) Amount to be transferred monthly $_________ (Max: 1/12of premium allocated
   to divisions below: 1/6 for 6 Month DCA)
2) Division or Allocation your transferred from: / /Limited Maturity Bond
   Division / /Liquid Asset Division / /1 YR Fixed / / 6 Month DCA
3) Please indicate the divisions you wish to transfer to by filling in
   percentage and dollar amounts in Column B below

INVESTMENT ADVISER         ACCOUNT DIVISION        A)INITIAL INVESTMENT  B)DCA
------------------         ----------------          ------------------    ---
A I M CAPITAL              CAPITAL APPRECIATION    $________  ________% ______%
MANAGMENT, INC.

A I M CAPITAL              STRATEGIC EQUITY        $________  ________% ______%
MANAGMENT, INC.

ALLIANCE CAPITAL           CAPITAL GROWTH          $________  ________% ______%
MANAGMENT, INC.

BARING INTERNATIONAL       GLOBAL FIXED INCOME     $________  ________% ______%
INVESTMENT LIMITED

BARING INTERNATIONAL       HARD ASSETS             $________  ________% ______%
INVESTMENT LIMITED

BARING INTERNATIONAL       DEVELOPING WORLD        $________  ________% ______%
INVESTMENT LIMITED

CAPITAL GUARDIAN           SMALL CAP               $________  ________% ______%
TRUST COMPANY

CAPITAL GUARDIAN           MANAGED GLOBAL          $________  ________% ______%
TRUST COMPANY

CREDIT SUISSE ASSET        INTERNATIONAL EQUITY    $________  ________% ______%
MANAGEMENT, LLC

EAGLE ASSET                VALUE EQUITY            $________  ________% ______%
MANAGEMENT, LLC

EII REALTY                 REAL ESTATE             $________  ________% ______%
SECURITIES, INC.

ING INVESTMENT             LIMITED MATURITY BOND   $________  ________% ______%
MANAGEMENT, LLC

ING INVESTMENT             LIQUID ASSET            $________  ________% ______%
MANAGEMENT, LLC

JANUS CAPITAL              GROWTH                  $________  ________% ______%
CORPORATION

MFS INVESTMENT             MID-CAP GROWTH          $________  ________% ______%
MANAGEMENT

MFS INVESTMENT             RESEARCH                $________  ________% ______%
MANAGEMENT

MFS INVESTMENT             TOTAL RETURN            $________  ________% ______%
MANAGEMENT

PACIFIC INVESTMENT         HIGH YIELD BOND         $________  ________% ______%
MANAGEMENT COMPANY (PIMCO)

PACIFIC INVESTMENT         STOCKSPLUS GROWTH       $________  ________% ______%
MANAGEMENT COMPANY (PIMCO)  & INCOME

PUTNAM INVESTMENT          EMERGING MARKETS/1/     $________  ________% ______%
MANAGEMENT, INC.

SALOMON BROTHERS           ALL-CAP                 $________  ________% ______%
ASSET MANAGEMENT, INC.

SALOMON BROTHERS           INVESTORS               $________  ________% ______%
ASSET MANAGEMENT, INC.

T. ROWE PRICE              EQUITY INCOME           $________  ________% ______%
ASSOCIATES INC.

T. ROWE PRICE              FULLY MANAGED           $________  ________% ______%
ASSOCIATES INC.

FIXED ALLOCATIONS: / /1 YR  / /3 YR  / /5 YR
                   / /10 YR (Not Available in all
                   states) / /6 Month DCA

                                          TOTAL =  $________       100%    100%

/1/ ONLY AVAILABLE WITH DVAPLUS AND ACCESS

GA-AA-1050                                    INDICIA                11/22/1999
104131

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===============================================================================
| 8 | TELEPHONE REALLOCATION AUTHORIZATION
-----                               (Owner's initials to validate agent)_______

I authorize Golden American to act upon reallocation instructions given by
electronic means or voice command from the agen that signs below and/or the
following individuals:______________________, _______________________; upon
furnishing his/her social security number or alternative identification.
Neither Golden American nor any person authorized by Golden American will be
responsible for any claim, loss, liability or expenses in connection with
reallocation instructions received by electronic means or voice command from
such person if Golden American or other such person acted on such electronic
means or voice command in good faith in reliance upon this authorization. Golden
American will continue to act upon this authorization until such time as the
person indicated above is no longer affiliated with the broker/dealer under
which my contract was purchased or until such time that I notify Golden American
in writing of a change in instructions.
===============================================================================
| 7 | TAX-QUALIFIED PLANS  (If you are funding a qualified plan, please
-----                       specify type):

/ /IRA Indicate contribution amount and appropriate tax year ________________
/ /IRA Rollover
/ /SEP/IRA  / /SAR SEP IRA  / /401(B) TSA Transfer  / /401(a) Plan
/ /CONDUIT IRA
/ /Roth IRA  If transfer, provide original conversion date ___________
/ /Simple IRA Transfer  Provide establishment date ____________
/ / Other  ________________________

===============================================================================
| 8 | REPLACEMENT
----

Will the coverage applied for replace any existing annuity or life insurance
coverage?   / / Yes (If yes, please fill in below)   / / No

Company Name:                     Policy Number:          Cash Value:
             ---------------------              ----------           ----------

===============================================================================
| 9 | PLEASE READ THE FOLLOWING STATEMENTS CAREFULLY AND SIGN BELOW:
-----

BY SIGNING BELOW, I ACKNOWLEDGE RECEIPT OF THE PROSPECTUS. I AGREE
THAT, TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL STATEMENTS AND
ANSWERS IN THIS APPLICATION ARE COMPLETE AND TRUE AND MAY BE RELIED
UPON IN DETERMINING WHETHER TO ISSUE THE CONTRACT. MY ANSWERS WILL FORM
A PART OF ANY CONTRACT TO BE ISSUED, AND ONLY THE OWNER AND GOLDEN
AMERICAN HAVE THE AUTHORITY TO MODIFY THIS APPLICATION.

CONTRACTS AND POLICIES AND UNDERLYING SERIES SHARES OR SECURITIES
WHICH FUND CONTRACTS AND POLICIES ARE NOT INSURED BY THE FDIC OR ANY
OTHER AGENCY. THEY ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF ANY BANK
AND ARE NOT BANK GUARANTEED. ALSO, THEY ARE SUBJECT TO MARKET
FLUCTUATION, INVESTMENT RISK AND POSSIBLE LOSS OF PRINCIPAL INVESTED.

I UNDERSTAND THAT THE CONTRACT'S CASH SURRENDER VALUE, WHEN BASED
ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT DIVISION, MAY
INCREASE OR DECREASE ON ANY DAY AND THAT NO MINIMUM VALUE IS GUARANTEED.
THE CONTRACT'S COVERAGE IS IN ACCORD WITH MY ANTICIPATED FINANCIAL
OBJECTIVES.

I UNDERSTAND THAT ANY AMOUNT ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT
TO A MARKET VALUE ADJUSTMENT, WHICH MAY CAUSE THE VALUES TO INCREASE OR
DECREAS, PRIOR TO A SPECIFIED DATE OR DATES AS SPECIFIED INTHE CONTRACT.

MY SIGNATURE CERTIFIES, UNDER PENALTY OF PERJURY, THAT TEH TAXPAYER
IDENTIFICATION NUMBER PROVIDED IS CORRECT.  I AM NOT SUBJECT TO BACKUP
WITHHOLDING BECAUSE: I AM EXEMPT; OR I HAVE NOT BEEN NOTIFIED THAT I AM
SUBJECT TO BACKUP  WITHHOLDINGS FROM FAILURE TO REPORT ALL INTEREST
DIVIDENDS; OR I HAVE BEEN NOTIFIED THAT I AM NO LONGER SUBJECT TO BACKUP
WITHHOLDING. (STRIKE OUT THE PRECEDING SENTENCE IF SUBJECT TO BACKUP
WITHHOLDING.) THE IRS DOES NOT REQUIRE MY CONSENT TO ANY PROVISION OF THIS
DOCUMENT OTHER THAN THE CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING.

_______________________________________________________________________________
Signature of Owner                          Signed at (City, State)    Date
_______________________________________________________________________________
Signature of Joint Owner (if applicable)    Signed at (City, State)    Date
_______________________________________________________________________________
Signature of Annuitant (if other than       Signed at (City, State)    Date
                        Owner)

===============================================================================
|10| SPECIAL REMARKS
----

===============================================================================
|11| FOR AGENT USE ONLY
----

DO YOU HAVE REASON TO BELIEVE THAT THE CONTRACT APPLIED FOR WILL REPLACE ANY
EXISTING ANNUITY OR LIFE INSURANCE COVERAGE?

/ / YES       / / NO

Commission Alternative (select one):  / / A  / / B  / / C  / / D

Client Account No. (if applicable)_____________________

_______________________________________________________________________________
Agent Signature    Print Agent Name    Social Security #   Broker/Dealer/Branch

GA-AA-1051                                    INDICIA                11/22/1999
104131

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