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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

This rider is added to the Contract. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. In
order to obtain the full benefit described in this rider, your annual
withdrawals must be limited and you must allocate Contract Value to the
prescribed Investment Strategy. You may not terminate this rider apart from the
Contract.

All rider terms will have the same meaning as under the Contract, unless
otherwise provided.

Asset Allocation Model - The Asset Allocation Model shown on the Contract Data
Pages.

Benefit Date - The date that will be the later of:

   (1) the Contract Date; and

   (2) the Valuation Day of the most recent reset of the Withdrawal Base.

Benefit Reduction Percentage - The percentage shown on the Contract Data Pages.

Benefit Year - Each one-year period following the Benefit Date and each
anniversary of that date.

Designated Subaccounts - The Designated Subaccounts shown on the Contract Data
Pages.

Gross Withdrawal - An amount withdrawn from Contract Value including any
surrender charge, any taxes withheld and any applicable premium taxes.

Investment Strategy - The Asset Allocation Model and/or Designated Subaccounts
for this rider.

Rider Death Benefit - The death benefit provided under this rider.

Roll-Up Value - An amount used to calculate the Withdrawal Limit. The Roll-Up
Value on the Contract Date is equal to the initial Purchase Payment. The
Roll-Up Value may be adjusted based on the daily roll-up rate shown on the
Contract Data Pages.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.
The Withdrawal Base may change as a result of a Purchase Payment, withdrawal,
or a restore or reset.

Withdrawal Factor - The percentage shown on the Contract Data Pages used to
establish the Withdrawal Limit. The Withdrawal Factor is based on the age of
the younger Annuitant on the earlier of the Valuation Day of the first Gross
Withdrawal and the Valuation Day when the Contract Value is reduced to [$100].

Withdrawal Limit - The total amount you may withdraw in a Benefit Year without
reducing the benefits provided under this rider.

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Investment Strategy

To maximize the Withdrawal Limit and Rider Death Benefit, you must allocate all
Contract Value to the Investment Strategy. The Investment Strategy options are
shown on the Contract Data Pages and may include Designated Subaccounts and/or
Asset Allocation Models.

On a monthly basis, we will rebalance Contract Value to the Subaccounts in
accordance with the percentages allocated. In addition, on any Valuation Day
after any transaction involving a withdrawal, receipt of a Purchase Payment or
a transfer of Contract Value, we will rebalance Contract Value to the
Subaccounts in accordance with the percentages allocated, unless you instruct
us otherwise.

Beginning on the first Valuation Day after you choose not to follow the
Investment Strategy, your Withdrawal Factor and Rider Death Benefit will be
reduced as follows:

The Withdrawal Factor will be (a) minus (b), where:

   (a) is the Withdrawal Factor; and

   (b) is the Withdrawal Factor multiplied by the Benefit Reduction Percentage.

The Rider Death Benefit will be (a) minus (b), where:

   (a) is the Rider Death Benefit; and

   (b) is the Rider Death Benefit multiplied by the Benefit Reduction
       Percentage.

You may elect to resume participation in the Investment Strategy, as described
in the Restoration or Reset of the Benefit provision, provided we receive
notice at our [Home Office] of your election in a form acceptable to us.

We will not reduce your Withdrawal Factor or Rider Death Benefit if you are not
following the Investment Strategy due to a portfolio liquidation or a portfolio
dissolution and the assets are transferred from the liquidated or dissolved
portfolio to another portfolio.

The Guarantee Account, if any, under the Contract will not be available as an
Investment Option under this rider for as long as this rider is in effect.

Guaranteed Minimum Withdrawal Benefit

If you:

  .  allocate all Contract Value to the Investment Strategy; and

  .  limit total Gross Withdrawals in a Benefit Year to an amount no greater
     than the Withdrawal Limit;

then you will be eligible to receive total Gross Withdrawals in each Benefit
Year equal to the Withdrawal Limit until the last death of an Annuitant.

Withdrawal Limit

The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit
is (a) multiplied by (b), where:

   (a) is the greatest of:

       (1) the Contract Value on the prior Contract anniversary;

       (2) the Withdrawal Base; and

       (3) the Roll-Up Value; and

   (b) is the Withdrawal Factor.

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The Withdrawal Factor is established based on the age of the younger Annuitant
on the earlier of the Valuation Day of the first Gross Withdrawal and the
Valuation Day when the Contract Value is reduced to [$100]. The Withdrawal
Factor percentages are shown on the Contract Data Pages.

Withdrawal Base

An amount used to establish the Withdrawal Limit. The Withdrawal Base on the
Contract Date is equal to the initial Purchase Payment. The Withdrawal Base may
change as a result of a Purchase Payment, withdrawal, or a restore or reset.

Roll-Up Value

The initial Roll-Up Value equals your Purchase Payment(s). On each Valuation
Day your Roll-Up Value will be adjusted. The new Roll-Up Value is equal to
(a) plus (b) plus (c), where:

   (a) is the Roll-Up Value on the prior Valuation Day;

   (b) is any Purchase Payment(s) made on the current Valuation Day;

   (c) is the daily roll-up rate, shown on the Contract Data Pages, multiplied
       by the cumulative Purchase Payments.

The Roll-Up Value will continue to increase until the earlier of the last
roll-up date, shown on the Contract Data Pages, or the date of the first
withdrawal. On these dates, the Roll-Up Value will equal the Roll-Up Value on
the prior Valuation Day. After this date, additional Purchase Payments will not
increase the Roll-Up Value.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal
Limit, your Roll-Up Value will be reduced to zero. After this date, additional
Purchase Payments will not increase the Roll-Up Value.

Purchase Payments

Any Purchase Payment applied to your Contract will adjust your Withdrawal Base
and Rider Death Benefit, and may adjust your Roll-Up Value as described in the
Roll-Up Value section above. In order to obtain the full benefit provided by
this rider, you must allocate all assets to the prescribed Investment Strategy
from the Benefit Date. Except as noted below, if you have allocated all assets
to the Investment Strategy from the Benefit Date, any subsequent Purchase
Payment will be added to the Withdrawal Base and the Rider Death Benefit and
may be added to the Roll-Up Value. Otherwise, the Purchase Payment will be
added to the Withdrawal Base and if applicable, the Roll-Up Value, and the
Rider Death Benefit will be increased by (a) minus (b), where:

   (a) is the Purchase Payment; and

   (b) is the Purchase Payment multiplied by the Benefit Reduction Percentage.

We reserve the right to not adjust the Withdrawal Base, Rider Death Benefit,
and/or the Roll-Up Value for any additional Purchase Payments.

Restoration or Reset of the Benefit

Restoration

If your Withdrawal Factor and Rider Death Benefit have been reduced because you
have not allocated all assets to the prescribed Investment Strategy, you will
have an opportunity to restore your Withdrawal Factor and Rider Death Benefit
on a Contract anniversary. If such

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Contract anniversary is not a Valuation Day, the restore will occur on the next
Valuation Day. The restore feature available under this rider may be used only
once.

On the Valuation Day we restore your benefit, we will:

   (a) restore the Withdrawal Factor to 100% of the Withdrawal Factor
       established as of the date of the first withdrawal;

   (b) calculate your Rider Death Benefit to equal the lesser of the total
       Purchase Payments less Gross Withdrawals and current Contract Value;

   (c) calculate your Withdrawal Base to equal the lesser of the Withdrawal
       Base as of the date of the restore, determined as if you have not
       allocated outside of the prescribed Investment Strategy, and the current
       Contract Value;

   (d) allocate your assets to the Investment Strategy in effect as of the last
       Benefit Date prior to the reduction in benefits in accordance to your
       instructions; and

   (e) assess a rider charge equal to the charge that was in effect as of your
       last Benefit Date prior to the reduction in benefits.

If you want to restore your benefit, we must receive notice of your election in
a form acceptable to us [at least 15 days] prior to your next Contract
anniversary. The restore provision is not available if, on the Contract
anniversary, any Annuitant is older than the maximum restore age as shown on
the Contract Data Pages.

Reset

You may reset your Withdrawal Base on [an annual] anniversary of the Contract
Date when your Contract Value is higher than the Withdrawal Base. If such
Contract anniversary is not a Valuation Day, the reset will occur on the next
Valuation Day. The reset date must be at least [12 months] after the later of
the Contract Date and the last reset date. Resets will occur automatically
unless such automatic resets are or have been terminated.

On the Valuation Day we reset your benefit, we will:

   (a) reset the Withdrawal Factor to 100% of the Withdrawal Factor established
       as of the date of first withdrawal;

   (b) reset the Rider Death Benefit to the lesser of the total Purchase
       Payments less Gross Withdrawals and current Contract Value;

   (c) reset the Withdrawal Base to your Contract Value;

   (d) reset the Investment Strategy to the current Investment Strategy; and

   (e) reset the charge for this rider (the new charge, which may be higher
       than your previous charge, will never exceed the maximum rider charge as
       shown on the Contract Data Pages).

Any change to the charge or to the required Investment Strategy for this rider
will be communicated to you in writing prior to the Contract anniversary date.
The reset provision will end if, on the Contract anniversary, any Annuitant is
older than the maximum reset age as shown on the Contract Data Pages.

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Automatic resets will continue until and unless:

   (a) you submit a written request to terminate automatic resets (such request
       must be received [at least 15 days] prior to the Contract anniversary
       date);

   (b) the Investment Strategy is not followed;

   (c) the Investment Strategy changes, allocations are affected, and we do not
       receive confirmation of new allocations;

   (d) the Annuity Commencement Date is reached ;

   (e) there is a change in ownership of the Contract.

If automatic resets have terminated, you may later reinstate automatic resets
for any future Contract anniversary by submitting a written request to do so;
provided you are following the Investment Strategy and Income Payments have not
begun.

Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Withdrawal Base, Rider Death Benefit and
Roll-Up Value are reduced.

The new Withdrawal Base equals the lesser of (a) and (b), where:

      (a) is the Contract Value on the Valuation Day after the Gross
          Withdrawal; and

      (b) is the prior Withdrawal Base minus the Gross Withdrawal.

The new Rider Death Benefit is described in the Rider Death Benefit section.

The new Roll-Up Value will be zero. Additional Purchase Payments will not
increase the Roll-Up Value.

If the total Gross Withdrawals in a Benefit Year are less than or equal to the
Withdrawal Limit, we will waive any surrender charge on the Gross Withdrawals.

Required Minimum Distributions

If all Contract Value is allocated to the Investment Strategy, the Withdrawal
Limit will be increased for any Benefit Year to the extent necessary to meet
any minimum distribution requirements (before death) under federal tax law.
This increase applies only to the required minimum distribution based on the
value of the Contract.

Reduction in Contract Value

After taking a withdrawal, your Contract Value may be less than the amount
required to keep your Contract in effect. In this event, or if your Contract
Value is reduced to [$100] , the following will occur:

  .  If the Withdrawal Limit is less than $100, we will pay you the greatest of
     the Rider Death Benefit, the Contract Value and the present value of the
     Withdrawal Limit in a lump sum, calculated using the Annuity 2000
     Mortality Table and an interest rate of 3%.

  .  If the Withdrawal Limit is greater than $100, we will begin Income
     Payments. We will make payments of a fixed amount for the life of the
     Annuitant or, if there are Joint Annuitants, the last surviving Annuitant.
     The fixed amount payable annually will equal the most recently calculated
     Withdrawal Limit. We will make payments monthly unless agreed otherwise.
     If the monthly amount is less than $100, we will reduce the frequency so
     that the payment will be at least $100. The Rider Death Benefit will
     continue under this provision. The Rider Death Benefit will be reduced by
     each payment. The Rider Death Benefit, if any, will be payable on the
     death of the last surviving Annuitant.

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Death Provisions

At the death of the last Annuitant, a Death Benefit may be payable under this
Contract and rider. The amount of any Death Benefit payable will be the
greatest of (a), (b) and (c), where:

   (a) is the Death Benefit as calculated under the base Contract;

   (b) is the Rider Death Benefit; and

   (c) is any amount payable by any other optional death benefit rider (if
       applicable).

The Death Benefit payable will be paid according to the distribution rules
under the Contract.

If the designated beneficiary is a surviving spouse who is not an Annuitant,
whose age is [45] through [85], and who elects to continue the Contract as the
new Owner, this rider will continue. The Withdrawal Base and Roll-Up Value for
the new Owner will be the Death Benefit determined as of the first Valuation
Day we receive at our [Home Office] due proof of death and all required forms.
The Withdrawal Factor for the new Owner will be based on the age of that Owner
on the date of the first Gross Withdrawal for that Owner.

If the designated beneficiary is a surviving spouse who is an Annuitant and who
elects to continue the Contract as the Owner, this rider will continue. The
Withdrawal Base and Roll-Up Value will be the same as it was under the Contract
for the deceased Owner. If no withdrawals were taken prior to the first
Valuation Day we receive due proof of death and all required forms at our [Home
Office], the Withdrawal Factor for the surviving spouse will be established
based on the age of the surviving spouse on the date of the first Gross
Withdrawal for the surviving spouse. Otherwise, the Withdrawal Factor will
continue as it was under the Contract for the deceased Owner.

If the surviving spouse cannot continue the rider, the rider and the rider
charge will terminate on the next Contract anniversary.

Rider Death Benefit

The Rider Death Benefit is used to determine the death benefit, if any, payable
under this Contract and rider as described in the Death Provisions section
above.

The Rider Death Benefit on the Contract Date is equal to the initial Purchase
Payment.

Purchase Payments in a Benefit Year increase the Rider Death Benefit. If you
have allocated all assets to the Investment Strategy from the Benefit Date, any
subsequent Purchase Payment will be added to the Rider Death Benefit.
Otherwise, the Rider Death Benefit will be increased by (a) minus (b), where:

   (a) is the Purchase Payment; and

   (b) is the Purchase Payment multiplied by the Benefit Reduction Percentage.

Gross Withdrawals in a Benefit Year decrease the Rider Death Benefit. If a
Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less
than or equal to the Withdrawal Limit, the Rider Death Benefit will be reduced
by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals
in a Benefit Year is in excess of the Withdrawal Limit, your Rider Death
Benefit will equal the lesser of (a) and (b), where:

   (a) is the Contract Value on the Valuation Day after the Gross Withdrawal;
       and

   (b) is the prior Rider Death Benefit minus the Gross Withdrawal.

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If you choose not to follow the Investment Strategy, your Rider Death Benefit
will be reduced as described in the Investment Strategy provision.

Rider Charge

There will be a daily asset charge for this rider. This charge is added to the
Contract's daily asset charge and applied against all amounts allocated to the
Subaccounts. The charge for this rider will depend upon whether the Contract is
a single Annuitant or Joint Annuitant Contract. This charge is shown on the
Contract Data Pages. Once applied, the Joint Annuitant charge will continue
while the rider is in effect. The charge for this rider will be reset if you
choose to reset your Withdrawal Base and Rider Death Benefit. The new charge,
which may be higher than your previous charge, will never exceed the maximum
charge as shown on the Contract Data Pages.

When this Rider is Effective

The rider becomes effective on the Contract Date. It will remain in effect
while this Contract is in force and before the Annuity Commencement Date. This
rider may not be terminated prior to the Annuity Commencement Date. On the
Annuity Commencement Date, this rider will terminate.

Change of Ownership

We must approve any assignment or sale of this Contract unless under a court
ordered assignment.

General Provisions

For purposes of this rider:

  .  A non-natural entity Owner must name an Annuitant and may name the
     Annuitant's spouse as a Joint Annuitant.

  .  An individual Owner must also be an Annuitant and may name his/her spouse
     as Joint Annuitant at issue.

  .  A Joint Owner must be the Owner's spouse.

  .  If you marry after issue, you may add your spouse as a Joint Owner and
     Joint Annuitant or as a Joint Annuitant only, subject to our approval.

For Genworth Life and Annuity Insurance Company,

                                                  /s/ Pamela S. Schutz
                                                  -----------------------------
                                                  Pamela S. Schutz
                                                  President

                                      7Summary of Compensation Arrangements to Directors

 Exhibit 10.2 
 Summary of Director Compensation 
 Commencing April 2007, directors of Chittenden Corporation, other than Paul A.
Perrault, will receive an annual retainer of $15,000 without regard to attendance and $2,750 per meeting attended. The Chair of the Executive Committee and the Chair of the Audit Committee will receive an additional annual retainer of $10,000
without regard to attendance. Directors serving on the Audit and Executive Committees will receive $1,500 per meeting attended. Fifty per cent of all retainers and fees are paid in the form of common stock of the Corporation.

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