Document:

Exhibit 4(b)(iii)

 Exhibit 4(b)(iii) 
  
 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK 
 ANNUITIZATION AND DEATH BENEFIT 
 WAIVER OF SCHEDULED PURCHASE PAYMENT JOINT
ANNUITANT LIFE RIDER 
  

  
 Subject to the restrictions and limitations below, we will provide certain death benefits on the covered Annuitant shown on the Contract data pages. If the covered
Annuitant dies while this rider is in effect: 
  

	 	(1)	 	We will waive the percentage shown on your Contract data pages of Scheduled Purchase Payments; and 

  

	 	(2)	 	We will calculate your Monthly Income Payments and Death Benefit as if the waived Scheduled Purchase Payments (described in (1) above) had been paid when due.

  
 Benefits under this rider will be covered from the date of death
until the earlier of: 
  

	 	(1)	 	the Contract Anniversary on or next following the remaining Joint Annuitant’s 65th birthday; and 

  

	 	(2)	 	the Annuity Commencement Date. 

  
 The covered Annuitant’s death must occur while this rider is in effect. 
  
 When this Rider is Effective 
  
 Coverage provided under this rider begins on the Contract Date unless another effective date is shown on the Contract data pages. Any new rider Purchase Payment will be
shown on the Contract data pages. 
  
 Coverage provided under this rider will end
on the earliest date of the following: 
  

	 	•	 	the Contract Anniversary on or next following the covered Annuitant’s 65th birthday; 

  

	 	•	 	the date the Contract is surrendered; 

  

	 	•	 	the Monthly Due Date after we receive your request to end the rider; 

  

	 	•	 	the date of death of any Annuitant as named on the Contract data pages; 

  

	 	•	 	30 days after we notify you of the non-payment of the rider Purchase Payment; and 

  

	 	•	 	the Annuity Commencement Date. 

  
 Exceptions 
  
 We will not credit death benefits if the death results from: 
  

	 	•	 	war, declared or undeclared, or any act of war or any resistance to armed invasion or aggression, or international policy action; 

  

	 	•	 	active participation in a riot, insurrection or rebellion; 

  

	 	•	 	suicide, while sane or insane; 

  

	 	•	 	participation or attempted participation in commission of a crime. 

  
 Incontestability of this Rider 
  
 We will not contest this rider after it has been in effect for two years during the covered Annuitant’s life. 
  
 Claiming Benefits Under this Rider 
  
 Send written notice and proof of the covered Annuitant’s death to our Home Office.

  
 NY5173 3/01 
  

 1 

 Contract Value 
  
 The death benefit will not increase Contract Value prior to the Annuity Commencement Date. If all Contract Value is surrendered prior to the Annuity Commencement Date and
Scheduled Purchase Payments have been waived in accordance with this rider, the Contract will not be terminated. 
  
 For the waived Scheduled Purchase Payments, an associated Monthly Income Payment and Death Benefit will remain in effect. These benefits will be determined as if the
waived Scheduled Purchase Payments had been paid when due. The value of these benefits will vary based on the investment experience of the Subaccount. Scheduled Purchase Payments will no longer be waived upon surrender of the Contract. 

 
 Cost of this Rider 
  
 This rider is issued in consideration of the rider application, evidence of insurability and the payment of the rider Purchase Payment. The
monthly rider Purchase Payment is shown on the Contract data pages. If this rider is issued after the Contract Date, we will send you revised Contract data pages showing the rider Purchase Payment. 
  
 The cost of this rider is shown on the Contract data pages as a rate applied to the Scheduled
Purchase Payment. The application of this rate results in a separate rider Purchase Payment. 
  
 This rider is subject to the provisions of the Contract. 
  
 For GE Capital Life Assurance Company of New York, 
  
 /s/    GEORGE R. ZIPPEL         
  
 GEORGE R. ZIPPEL 
 PRESIDENT 
  
 NY5173 3/01 
  

 2Exhibit 4(b)(iv)

 Exhibit 4(b)(iv) 
  
 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK 
 PENSION ENDORSEMENT 
  

  
 All provisions of the contract (“Contract”) to which this Endorsement is attached
shall be interpreted in accordance with the applicable requirements of Section 401(a) of the Internal Revenue Code of 1986, as amended, and the applicable regulations (the “Code”). Notwithstanding any provisions to the contrary, the
Contract to which this Endorsement is attached is amended as follows: 
  
 Nontransferability 
  
 The owner may not change the ownership of
the Contract and the Contract may not be sold, assigned or pledged as collateral for a loan or as security for the performance of any obligation or for any other purpose to anyone other than GE Life and Annuity Assurance Company unless the Owner is
the trustee of an employee trust qualified under The Code. The purpose of this provision is to qualify the annuity under Section 401(g) of The Code, and it shall be so construed. 
  
 Unisex Rates 
  
 All references to gender in the Contract are deleted. Values and rates are unisex. Unisex rates are as follows: 
  
 Life Income with Period Certain Plan Table 
  
 Annual payment rates for each $1,000 of Annuity Commencement Value less any
applicable premium tax. 
  

	 Age*

	  	10 Years
Certain

	  	15 Years
Certain

	  	20 Years
Certain

	  	Age*

	  	10 Years
Certain

	  	15 Years
Certain

	  	20 Years
Certain

	 20
	  	$38.25	  	$38.23	  	$38.20	  	66	  	$64.63	  	$62.58	  	$59.58
	 25
	  	39.15	  	39.12	  	39.09	  	67	  	66.18	  	63.82	  	60.40
	 30
	  	40.26	  	40.23	  	40.18	  	68	  	67.83	  	65.08	  	61.20
	 35
	  	41.66	  	41.61	  	41.53	  	69	  	69.56	  	66.37	  	61.97
	 40
	  	43.42	  	43.33	  	43.21	  	70	  	71.38	  	67.68	  	62.70
	 45
	  	45.65	  	45.50	  	45.28	  	71	  	73.29	  	68.99	  	63.40
	 50
	  	48.49	  	48.23	  	47.83	  	72	  	75.28	  	70.31	  	64.04
	 51
	  	49.14	  	48.85	  	48.40	  	73	  	77.36	  	71.61	  	64.63
	 52
	  	49.83	  	49.51	  	49.00	  	74	  	79.51	  	72.88	  	65.17
	 53
	  	50.56	  	50.19	  	49.62	  	75	  	81.73	  	74.11	  	65.65
	 54
	  	51.33	  	50.91	  	50.27	  	76	  	84.01	  	75.28	  	66.06
	 55
	  	52.14	  	51.66	  	50.94	  	77	  	86.32	  	76.39	  	66.43
	 56
	  	52.99	  	52.45	  	51.64	  	78	  	88.65	  	77.42	  	66.74
	 57
	  	53.88	  	53.28	  	52.36	  	79	  	90.99	  	78.37	  	67.00
	 58
	  	54.83	  	54.15	  	53.10	  	80	  	93.30	  	79.22	  	67.22
	 59
	  	55.83	  	55.05	  	53.86	  	81	  	95.56	  	79.99	  	67.40
	 60
	  	56.89	  	56.00	  	54.65	  	82	  	97.74	  	80.66	  	67.55
	 61
	  	58.01	  	57.00	  	55.45	  	83	  	99.83	  	81.25	  	67.67
	 62
	  	59.19	  	58.03	  	56.27	  	84	  	101.79	  	81.76	  	67.76
	 63
	  	60.44	  	59.11	  	57.09	  	85 & over	  	103.62	  	82.19	  	67.83
	 64
	  	61.76	  	60.23	  	57.92	  	 	  	 	  	 	  	 
	 65
	  	63.15	  	61.39	  	58.76	  	 	  	 	  	 	  	 

	 	*	 	Age means Settlement Age 

  
 Form NY5179 3/02 

 Joint Life and Survivor Income Plan Table 
  
 Annual payment rates for each $1000 of Annuity Commencement Value less any applicable premium
tax. 
  

	 Settlement
Age

	 	 Settlement Age

	 	 35

	 	 40

	 	 45

	 	 50

	 	 55

	 	 60

	 	 65

	 	 70

	 	 75

	 	 80

	 	 85 & over

	35	 	$39.48	 	$40.01	 	$40.45	 	$40.80	 	$41.06	 	$41.26	 	$41.40	 	$41.50	 	$41.57	 	$41.61	 	$41.64
	 40
	 	40.01	 	40.75	 	41.41	 	41.97	 	42.41	 	42.74	 	42.98	 	43.15	 	43.27	 	43.35	 	43.39
	 45
	 	40.45	 	41.41	 	42.35	 	43.20	 	43.91	 	44.47	 	44.89	 	45.19	 	45.39	 	45.52	 	45.59
	 50
	 	40.80	 	41.97	 	43.20	 	44.41	 	45.51	 	46.43	 	47.14	 	47.67	 	48.03	 	48.26	 	48.39
	 55
	 	41.06	 	42.41	 	43.91	 	45.51	 	47.09	 	48.52	 	49.73	 	50.65	 	51.31	 	51.73	 	51.96
	 60
	 	41.26	 	42.74	 	44.47	 	46.43	 	48.52	 	50.62	 	52.54	 	54.14	 	55.33	 	56.12	 	56.56
	 65
	 	41.40	 	42.98	 	44.89	 	47.14	 	49.73	 	52.54	 	55.39	 	58.01	 	60.13	 	61.62	 	62.48
	 70
	 	41.50	 	43.15	 	45.19	 	47.67	 	50.65	 	54.14	 	58.01	 	61.96	 	65.53	 	68.27	 	69.98
	 75
	 	41.57	 	43.27	 	45.39	 	48.03	 	51.31	 	55.33	 	60.13	 	65.53	 	70.99	 	75.67	 	78.88
	 80
	 	41.61	 	43.35	 	45.52	 	48.26	 	51.73	 	56.12	 	61.62	 	68.27	 	75.67	 	82.71	 	88.04
	 85 & over
	 	41.64	 	43.39	 	45.59	 	48.39	 	51.96	 	56.56	 	62.48	 	69.98	 	78.88	 	88.04	 	95.52

 Figures for intermediate ages will be furnished upon
request. 
  
 For GE Capital Life Assurance Company of New York,

  
 /s/    GEORGE R. ZIPPEL         
  
 GEORGE R. ZIPPEL 
 PRESIDENT 
  
 NY5179 3/02Exhibit 4(b)(v)

 Exhibit 4(b)(v) 
  
 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK 
 SECTION 403(b) ANNUITY ENDORSEMENT 
  

  
 The Contract to which this endorsement is attached is intended to qualify as an annuity
described in Section 403(b) of the Internal Revenue Code of 1986, as amended (the “Code”), and all provisions shall be interpreted in accordance with said Code Section. Notwithstanding any provision contained in the Contract to the
contrary, the Contract to which this endorsement is attached is amended as follows: 
  
 Article 1—Owner and Annuitant 
  
 The Owner must be either
an organization described in Code Section 403(b)(1)(A), an employee or former employee of such an organization for whose benefit the organization has established an annuity program under Code Section 403(b) in connection with which this Contract was
purchased (“participant”), or such other person permitted under Code Section 403(b). Except as otherwise permitted under the Code and applicable regulations, such participant shall be the Annuitant and the Payee, and the Annuitant and
Payee cannot be changed. 
  
 The Contract is established for the exclusive benefit
of the participant and his or her beneficiaries. All distributions while the participant is alive must be made to the participant. All distributions made under a joint and survivor annuity payment option after the participant’s death, and while
the joint Annuitant is alive, must be made to the joint Annuitant. 
  
 Article
2—Nontransferable and Nonforfeitable 
  
 The interest of the Owner in
this Contract is nontransferable within the meaning of Code Section 401(g) and is nonforfeitable. In particular, except as otherwise provided by law, this Contract may not be sold, assigned, discounted, or pledged as collateral for a loan or as
security for the performance of any obligation or for any other purpose, to any person other than the Company. 
  
 Article 3—Unisex Rates 
  
 All
references to the Annuitant’s gender (with respect to rates), in the Contract, are deleted. Values and rates are unisex. The guaranteed annuity purchase rates are replaced by the following tables: 
  
 Form NY5196 5/02 
  

 1 

 Life Income with Period Certain Plan Table 
  
 Annual payment rates for each $1,000 of value. 
  

	 Age*

	 	 10 Years
Certain

	 	 15 Years
Certain

	 	 20 Years
Certain

	 	 Age*

	 	 10 Years
Certain

	 	 15 Years
Certain

	 	 20 Years
Certain

	20	 	$38.25	 	$38.23	 	$38.20	 	66	 	$64.63	 	$62.58	 	$59.58
	25	 	39.15	 	39.12	 	39.09	 	67	 	66.18	 	63.82	 	60.40
	30	 	40.26	 	40.23	 	40.18	 	68	 	67.83	 	65.08	 	61.20
	35	 	41.66	 	41.61	 	41.53	 	69	 	69.56	 	66.37	 	61.97
	40	 	43.42	 	43.33	 	43.21	 	70	 	71.38	 	67.68	 	62.70
	45	 	45.65	 	45.50	 	45.28	 	71	 	73.29	 	68.99	 	63.40
	50	 	48.49	 	48.23	 	47.83	 	72	 	75.28	 	70.31	 	64.04
	51	 	49.14	 	48.85	 	48.40	 	73	 	77.36	 	71.61	 	64.63
	52	 	49.83	 	49.51	 	49.00	 	74	 	79.51	 	72.88	 	65.17
	53	 	50.56	 	50.19	 	49.62	 	75	 	81.73	 	74.11	 	65.65
	54	 	51.33	 	50.91	 	50.27	 	76	 	84.01	 	75.28	 	66.06
	55	 	52.14	 	51.66	 	50.94	 	77	 	86.32	 	76.39	 	66.43
	56	 	52.99	 	52.45	 	51.64	 	78	 	88.65	 	77.42	 	66.74
	57	 	53.88	 	53.28	 	52.36	 	79	 	90.99	 	78.37	 	67.00
	58	 	54.83	 	54.15	 	53.10	 	80	 	93.30	 	79.22	 	67.22
	59	 	55.83	 	55.05	 	53.86	 	81	 	95.56	 	79.99	 	67.40
	60	 	56.89	 	56.00	 	54.65	 	82	 	97.74	 	80.66	 	67.55
	61	 	58.01	 	57.00	 	55.45	 	83	 	99.83	 	81.25	 	67.67
	62	 	59.19	 	58.03	 	56.27	 	84	 	101.79	 	81.76	 	67.76
	63	 	60.44	 	59.11	 	57.09	 	85 & over	 	103.62	 	82.19	 	67.83
	64	 	61.76	 	60.23	 	57.92	 	 	 	 	 	 	 	 
	65	 	63.15	 	61.39	 	58.76	 	 	 	 	 	 	 	 

  
 *Age means Settlement
Age 
  
 Joint Life and Survivor Income Plan Table

  
 Annual payment rates for each $1000 of value. 

 

	 Settlement
Age

	 	 Settlement Age

	 	 35

	 	 40

	 	 45

	 	 50

	 	 55

	 	 60

	 	 65

	 	 70

	 	 75

	 	 80

	 	 85&over

	35	 	$39.48	 	$40.01	 	$40.45	 	$40.80	 	$41.06	 	$41.26	 	$41.40	 	$41.50	 	$41.57	 	$41.61	 	$41.64
	40	 	40.01	 	40.75	 	41.41	 	41.97	 	42.41	 	42.74	 	42.98	 	43.15	 	43.27	 	43.35	 	43.39
	45	 	40.45	 	41.41	 	42.35	 	43.20	 	43.91	 	44.47	 	44.89	 	45.19	 	45.39	 	45.52	 	45.59
	50	 	40.80	 	41.97	 	43.20	 	44.41	 	45.51	 	46.43	 	47.14	 	47.67	 	48.03	 	48.26	 	48.39
	55	 	41.06	 	42.41	 	43.91	 	45.51	 	47.09	 	48.52	 	49.73	 	50.65	 	51.31	 	51.73	 	51.96
	60	 	41.26	 	42.74	 	44.47	 	46.43	 	48.52	 	50.62	 	52.54	 	54.14	 	55.33	 	56.12	 	56.56
	65	 	41.40	 	42.98	 	44.89	 	47.14	 	49.73	 	52.54	 	55.39	 	58.01	 	60.13	 	61.62	 	62.48
	70	 	41.50	 	43.15	 	45.19	 	47.67	 	50.65	 	54.14	 	58.01	 	61.96	 	65.53	 	68.27	 	69.98
	75	 	41.57	 	43.27	 	45.39	 	48.03	 	51.31	 	55.33	 	60.13	 	65.53	 	70.99	 	75.67	 	78.88
	80	 	41.61	 	43.35	 	45.52	 	48.26	 	51.73	 	56.12	 	61.62	 	68.27	 	75.67	 	82.71	 	88.04
	85&over	 	41.64	 	43.39	 	45.59	 	48.39	 	51.96	 	56.56	 	62.48	 	69.98	 	78.88	 	88.04	 	95.52

  
 Figures for
intermediate ages will be furnished upon request. 
  
 Form NY5196 5/02 

 

 2 

 Article 4—Premium Payments 
  
 All premium payments must be made either (1) by an organization described in Code Section 403(b)(1)(A); (2) as rollover contributions (as
permitted by Code Sections 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 403(d)(3), and 457(e)(16); or (3) as a non-taxable transfer from another contract qualifying under Code Section 403(b) or a custodial account qualifying under Code
Section 403(b)(7). 
  

	 	(a)	 	Premium payments made pursuant to a salary reduction agreement shall not exceed the limits set forth in Code Section 402(g), except as otherwise permitted under Code Section 414(v),
if applicable. Premium payments also must not exceed the limitations on contributions under Code Sections 403(b) and 415, as applicable. To the extent premium payments are in excess of the amounts permitted under Code Sections 402(g), 403(b),
414(v), or 415, we may distribute amounts equal to such excess as permitted by applicable federal tax law. 

  

	 	(b)	 	Subject to the provisions of Code Section 414(v), if applicable, this Contract shall be interpreted and administered to preclude excess deferrals under Code Section 402(g).

  

	 	(i)	 	If, in any calendar year in which premium payments attributable to elective deferrals are received for such year, the participant’s elective deferrals contributed to this
Contract and to any other plan or contract exceed the maximum dollar amount permitted under Code Section 402(g), the amount of any such excess allocated to this Contract by the participant for the calendar year in accordance with Code Section
402(g)(2)(A)(i) and subsection (ii) of this Article 4(b) shall be distributed to the participant no later than April 15 of the following calendar year. 

  

	 	(ii)	 	To allocate excess deferrals to this Contract from any other plan or contract, the participant must notify us, in a notarized writing received not later than March 1 following the
close of the calendar year, of the total amount of excess deferrals (both from this Contract and from any other plan or contract) to be allocated to this Contract. If the participant fails to provide such notice by the March 1 deadline, he or she
shall be deemed to have notified us that the amount of excess deferrals actually contributed to this Contract (we will assume no other excess deferrals were made by the participant for this year) are to be allocated to the Contract for the calendar
year. 

  

	 	(iii)	 	If, in any year (A) premium payments are received on or before March 1 attributable to elective deferrals received for the immediately preceding calendar year, and (B) the
participant’s elective deferrals contributed to this Contract and to any other plan or contract exceed the maximum dollar amount permitted under Code Section 402(g) for such preceding year, the amount of any such excess allocated to the
Contract by the participant for the immediately preceding calendar year in accordance with Code Section 402(g)(2)(A)(i) and subsection (ii) of this Article 4(b) shall be distributed to the participant no later than April 15 of the calendar year in
which such premium payments are received. 

  
 Form NY5196 5/02

  

 3 

	 	(iv)	 	Any amount to be distributed from the Contract for any calendar year in accordance with the foregoing provisions of this Article 4 shall be adjusted to reflect gain or loss during
such calendar year considered allocable to the excess deferrals to be distributed, but not including gain or loss occurring after the end of such calendar year. For this purpose, the gain or loss considered allocable to an excess deferral shall
equal the actual net gain or loss for the calendar year in the portion of the Contract attributable to the excess deferral. 

  
 Article 5—Required Minimum Distributions Generally 
  
 The entire interest in this Contract shall be distributed as required under Code Sections 401(a)(9) and 403(b)(10) and applicable regulations, the provisions of which are
herein incorporated by reference. 
  
 For purposes of Articles 7 and 8 below,
required distributions are considered to commence on the participant’s required beginning date or, if applicable, on the date distributions are required to begin to the surviving spouse under paragraph (2) of Article 8 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)-6T of the Temporary Income Tax Regulations, then
required distributions are considered to commence on the annuity starting date. 
  
 Article 6—Required Beginning Date 
  
 The term
“required beginning date” means April 1 of the calendar year following the later of (1) the calendar year in which the participant attains age 70 1/2, or (2) the calendar year in which the participant retires. 
  
 Article 7—Distributions During Participant’s Life 
  
 The participant’s entire interest in this Contract will be distributed no later than
the required beginning date, or shall commence to be distributed, beginning no later than the required beginning date, (1) over the life of the participant, or the lives of the participant and his or her designated beneficiary (within the meaning of
Code Section 401(a)(9), or (2) over a period certain not extending beyond the life expectancy of the participant or the joint and last survivor expectancy of the participant 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)-6T of the Temporary Income Tax Regulations. In addition, any distribution must satisfy the incidental benefit requirements specified in
Q&A-2 of Section 1.401(a)(9)-6T. 
  
 Article 8—Distributions Upon
Participant’s Death 
  
 If the participant dies on or after the required
beginning date (or after distributions have begun as irrevocable annuity payments), the remaining portion of the participant’s interest (if any) shall be distributed under the contract option chosen. 
  
 If the participant dies before the required beginning date and an irrevocable annuity
distribution has not begun, his or her entire interest will be distributed at least as rapidly as follows: 
  
 Form NY5196 5/02 
  

 4 

	 	(a)	 	If the designated beneficiary is someone other than the participant’s surviving spouse, the entire interest will be distributed, starting by the end of the calendar year
following the calendar year of the participant’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 participant’s death, or, if elected, in accordance with paragraph (c) below. 

  

	 	(b)	 	If the participant’s sole designated beneficiary is the participant’s surviving spouse, the entire interest will be distributed, starting by the end of the calendar year
following the calendar year of the participant’s death (or by the end of the calendar year in which the participant would have attained age 70 1/2, if later), over such spouse’s life, or, if elected, in accordance with paragraph (c) 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 (c) 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. 

  

	 	(c)	 	If there is no designated beneficiary, or if applicable by operation of paragraph (a) or (b) above, the entire interest will be distributed by the end of the calendar year
containing the fifth anniversary of the participant’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 (b) above. 

  
 Article 9—Life Expectancy Calculations 
  
 Life expectancy is computed using the Single Life Table, In Q&A-1 of Section 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 (a) or (b) of Article 8 and reduced by 1
for each subsequent year. 
  
 Article 10—Annuity Payment Options

  
 All annuity payment options under this Contract must meet the requirements
of Code Sections 401(a)(9) and 403(b)(10). The provisions of this endorsement reflecting the requirements of Code Sections 401(a)(9) and 403(b)(10) override any annuity payment option, systematic withdrawal plan, or settlement option which is
inconsistent with such requirements . 
  
 Payments must be made in periodic
payments at intervals of no longer than one year. In addition, payments must be either nonincreasing or may increase only as provided in applicable federal income tax regulations. 
  
 If a guaranteed period of payments is chosen under an annuity payment option, the length of the period must not exceed the period permitted
under Q&As-3 and -10 of Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations. 
  
 Form NY5196 5/02 
  

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 Article 11—Participant Withdrawal Restrictions 
  
 Unless otherwise provided by federal tax law, the following restrictions apply with respect to withdrawals and other distributions
attributable to (1) contributions after December 31, 1988, made pursuant to a salary reduction agreement and the earnings on such contributions and on amounts held on December 31, 1988, (“Section 403(b) annuity salary reduction amounts”),
and (2) premium payments made by a nontaxable transfer from a custodial account qualifying under Code Section 403(b)(7) (or amounts attributable to such an account), and earnings on such amounts (“Section 403(b)(7) amounts) unless the
participant has reached age 59 1/2; had a severance from employment; died; become disabled (within the meaning of
Code Section 72(m)(7); with respect to Section 403(b) annuity salary reduction amounts, incurred a hardship (in accordance with Code Section 403(b)(11) and in a manner prescribed by the Company); or with respect to Section 403(b)(7) amounts
attributable to contributions made pursuant to a salary reduction agreement, encounters financial hardship (in accordance with Code Section 403(b)(7) and in a manner prescribed by the Company); provided that amounts permitted to be paid in the event
of hardship in the case of Section 403(b) annuity salary reduction amounts, and amounts permitted to be paid or made available in the event of financial hardship in the case of Section 403(b)(7) amounts, shall be limited to amounts attributable to
actual salary reduction contributions (excluding earnings thereon); and provided further, that amounts may be distributed pursuant to a qualified domestic relations order to the extent permitted by Code Section 414(p). 
  
 Article 12—Tax-Free Direct Transfers 
  
 Direct transfers to another contract qualifying under Code Section 403(b) or to a custodial
account qualifying under Code Section
 403(b)(7) may be made only as permitted by applicable law. Amounts subject to withdrawal restrictions under the Code may only be transferred to such a contract or account with the same or more stringent
restrictions. Direct trustee-to-trustee transfers may be made to a defined benefit governmental plan (as defined in Code Section 414(d) as provided in Code Section 403(b)(13). 
  
 Article 13—Direct Rollovers 
  
 A distributee may elect, at the time and in the manner prescribed by the Company, to have any portion of an eligible rollover distribution paid directly to an eligible
retirement plan specified by the distributee in a direct rollover. 
  
 A
distributee, within the meaning of this Article 13 includes the participant and a beneficiary who is a surviving spouse and also includes a former spouse who is an alternate payee under a qualified domestic relations order (as defined in Code
Section 414(p)). An eligible rollover distribution is any distribution of all or any portion of the balance to the credit of the distributee, except that an eligible rollover distribution does not include (1) any distribution that is one of a series
of substantially equal periodic payments made (not less frequently than annually) for the life (or life expectancy) of the distributee or the joint lives (or joint life expectancies) of the distributee and the distributee’s designated
beneficiary, over a specified period of 10 years or more; (2) any distribution to the extent such distribution is required under Code Sections 403(b)(10) and 401(a)(9); (3) any hardship distribution described in Code Sections 403(b)(11) or
403(b)(7)(a)(ii); and (4) any other amounts designated in published federal income tax guidance. 
  
 Form NY5196 5/02 
  
  

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 An eligible retirement plan is an annuity described in Code Section 403(b), an individual retirement account described in
Code Section 408(a), or individual retirement annuity described in Code Section 408(b), that accepts eligible rollover distributions. However, in the case of an eligible rollover distribution to the surviving spouse, an eligible retirement plan is
an individual retirement account or individual retirement annuity. 
  
 A direct
rollover is a payment by the Company to the eligible retirement plan specified by the distributee. All eligible rollover distributions shall be made in accordance with the requirements of Code Sections 403(b)(8), 403(b)(10), and 401(a)(31)
applicable to tax sheltered annuity contracts. 
  
 Except as otherwise provided
under applicable federal tax law, the following provisions shall apply for purposes of this Article 13: 
  

	 	(a)	 	An eligible retirement plan also shall mean an annuity plan described in Code Section 403(a), a qualified plan described in Code Section 401(a), and an eligible plan under Code
Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state and which agrees to separately account for amounts transferred into such plan from this
Contract. The definition of eligible retirement plan also shall apply in the case of a distribution to a surviving spouse, or to a spouse or former spouse who is the alternate payee under a qualified domestic relations order.

  

	 	(b)	 	Any amount that is distributed on account of hardship shall not be an eligible rollover distribution, and the distributee may not elect to have any portion of such a distribution
paid directly to an eligible retirement plan. 

  

	 	(c)	 	To the extent permitted by federal tax law, a portion of a distribution shall not fail to be an eligible rollover distribution merely because the portion consists of after-tax
employee contributions which are not includible in gross income. However, such after-tax portion may be transferred only to an eligible retirement plan that is permitted by law to accept such contributions. If required by law, the receiving plan
must agree to separately account for amounts so transferred, including separately accounting for the portion of the distribution which is includible in gross income and the portion of the distribution which is not so includible.

  
 Article 14—ERISA 
  
 If this Contract is subject to the requirements of the Employee Retirement Income Security
Act of 1974, as amended (ERISA), the following provisions shall also apply: 
  

	 	(a)	 	In event of the participant’s death prior to the date on which periodic payments commence under an annuity payment option, the death benefit if any shall be paid to (1) the
participant’s surviving spouse in the form required by Section 205 of ERISA, unless the spouse elects otherwise in accordance with requirements of such Section 205, or (2) if there is no surviving spouse, or if the surviving spouse has
consented in the manner required by Section 205 of ERISA, or if ERISA otherwise permits, to the designated beneficiary under the Contract. 

  
 Form NY5196 5/02 
  
  

 7 

	 	(b)	 	Except as otherwise permitted by ERISA, only a joint and survivor annuity option with no guaranteed period is available to a married participant, and the joint Annuitant must be the
participant’s spouse. A married participant may elect another annuity payment option or designate another joint Annuitant, providing his or her spouse consents in accordance with the requirements of Section 205 of ERISA, or provided such
election is otherwise permitted under such law. An unmarried participant will be deemed to have elected a straight life annuity option with no guaranteed period, unless he or she makes a different election in the manner required by Section 205 of
ERISA. 

  

	 	(c)	 	Elections and consents required by ERISA, including a change in beneficiary, may be revoked in the form, time, and manner prescribed in Section 205 of ERISA. All elections and
consents required by ERISA shall adhere to the requirements of the applicable regulations interpreting Section 205 of ERISA (and other applicable law), including the requirements as to the timing of any elections or consents.

  

	 	(d)	 	No withdrawal, partial or total, may be made without the consent of the participant and the participant’s spouse in the manner required by Section 205 of ERISA, except to the
extent that such consent is not required under the applicable regulations. Any withdrawal must be made in the form required under Section 205 of ERISA, unless the participant (and spouse, if applicable) makes an election in the form and manner
permitted under such regulations, to receive the benefit in another form. 

  
 Article 15—Internal Revenue Code and ERISA Requirements 
  
 The provisions of this endorsement are intended to comply with requirements of the Code, applicable regulations, and, if applicable, ERISA, for Section 403(b) annuity contracts. The Company reserves the right to amend the Contract or
certificate and this endorsement from time to time, without the Owner’s consent, when such amendment is necessary to assure continued qualification of this Contract as a tax sheltered annuity under Code Section 403(b) (and any successor
provision) as in effect from time to time. The participant 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. The Company also
reserves the right to amend the Contract or certificate and this endorsement from time to time, without the Owner’s consent, when such amendment is necessary to assure continued compliance of this Contract with the applicable provisions of
ERISA, as in effect from time to time. 
  
 For GE Capital Life Assurance Company
of New York, 
  
 /S/    GEORGE R. ZIPPEL 
  
 GEORGE R. ZIPPEL 
 PRESIDENT 
  
 Form NY5196 5/02 
  

 8

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