Document:

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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                   PAYMENT PROTECTION VARIABLE ANNUITY RIDER

General Features

This rider, when added to your Contract, provides for Monthly Income with a
Guaranteed Payment Floor. On the Annuity Commencement Date, the Monthly Income
payments are determined. The Monthly Income payments will have a Guaranteed
Payment Floor, and the Guaranteed Payment Floor is based on the attained age of
the younger Annuitant on the Annuity Commencement Date. This rider also
provides the opportunity to receive Monthly Income within the first year.

Initially the Benefit Base is equal to the sum of the Purchase Payment applied
on the Contract Date. Generally, subsequent Purchase Payments will increase the
Benefit Base, but the Company reserves the right to exclude additional Purchase
Payments from being applied to the Benefit Base (see Benefit Base on page 4).

Prior to the Annuity Commencement Date, if all of the Annuitants are ages 50
through the maximum reset age, you may choose to reset your Benefit Base on an
annual anniversary of the Contract Date that is at least 12 months after the
later of the Contract Date and the last reset date. Reset allocations must
follow the Investment Strategy in effect at that time (see Benefit Base on page
4). The reset feature may trigger a new rider charge when used, subject to
change but limited to a maximum annual charge of 1.25% (see Rider Charge on
page 9).

On the Annuity Commencement Date, the Benefit Base is converted to the Income
Base. The Income Base is used to calculate the guaranteed amount of Monthly
Income and to calculate any additional death proceeds. If the Benefit Base or
Income Base is reduced, the benefits under this rider also will be reduced (see
Benefit Base on page 4. Even if your benefit is reduced, you will continue to
pay the full amount charged for this rider.

This rider provides a minimum Guaranteed Payment Floor regardless of the
performance of the assets in the Subaccount(s). However, the Owner has an
obligation to repay amounts greater than the Level Income Amount from future
earnings of the Contract. The rider benefits have not been irrevocably
conferred upon the Owner but, instead, a matching liability on the Owner's part
has been established through the Adjustment Account. There are two ways for
this liability to be extinguished and reduce the Adjustment Account balance to
zero. One is through repayment of the advanced amounts by future performance of
the Subaccount(s). The other is through a Contract provision that waives the
payment of the obligation upon death of the Owner/Annuitant.

An Adjustment Account is established on the Income Start Date. The Adjustment
Account balance will increase if the Level Income Amount is less than the
Guaranteed Payment Floor. Therefore, an Adjustment Account balance will be
created the first year in which the Level Income Amount is less than the
Guarantee Payment Floor. The Adjustment Account balance will decrease if the
Level Income Amount is greater than the Guaranteed Payment Floor. The Monthly
Income payment will be limited to the Guaranteed Payment Floor until the
balance of the Adjustment Account is zero (see Adjustment Account on page 7).
The Monthly Income provision includes an example that illustrates how the
Adjustment Account works.

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To receive the full benefit of the rider, all Purchase Payments must be
invested according to the Investment Strategy in the Investment Options made
available, both before and after the Income Start Date. An Investment Strategy
is determined on the Contract Date or at a reset of the Benefit Base. If the
Owner does not follow the Investment Strategy, there will be a reduction in the
Benefit Base before the Income Start Date or the Income Base after the Income
Start Date by the percentage shown on the Contract Data Pages (see Investment
Strategy on page 3). The Guaranteed Payment Floor will also be reduced. Even if
the benefit is reduced, the Owner will continue to pay the full amount charged
for this rider.

The death benefit payable will be paid according to the distribution rules
under the Contract.

There is a rider charge, which is a daily asset charge that is applied against
all amounts in the Subaccounts. Once elected this rider may be terminated only
when the Contract is terminated or if the Owner chooses to elect Income
Payments under the Contract instead of Monthly Income under the rider.

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

Terms and Procedures

Additional Death Proceeds - The benefit, if any, we will pay to the Designated
Beneficiary if the last Annuitant dies after the Annuity Commencement Date.

Adjustment Account - The account that is established when Monthly Income is
calculated on the Annuity Commencement Date.

Annual Income Amount - The sum of Annual Income Amounts determined for each
Subaccount. The Annual Income Amount for a Subaccount is equal to the number of
Annuity Units of that Subaccount multiplied by the Annuity Unit value for that
Subaccount on the first Valuation Day of each Annuity Year.

Annuity Year - Each one-year period beginning on the Annuity Commencement Date
or the annual anniversary of the Annuity Commencement Date.

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

Benefit Base - The amount used to calculate the available Income Base.

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

Guaranteed Payment Floor - The guaranteed amount of Monthly Income as of the
Annuity Commencement Date.

Income Base - The value used to calculate the Guaranteed Payment Floor.

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

Level Income Amount - The amount that would result from applying the Annual
Income Amount to a 12-month, period certain, fixed single payment immediate
annuity made available to this rider. We will declare the interest rate at the
start of each Annuity Year.

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Monthly Income - The amount paid each month to you on and after the Annuity
Commencement Date. The amount remains constant throughout an Annuity Year. The
amount may increase or decrease each Annuity Year.

Investment Strategy

To maximize the full benefits provided under this rider, you must allocate all
Contract Value to the Investment Strategy, which will be provided to you. You
must allocate your Contract Value among the following Investment Strategy
options for this rider as shown on the Contract Data Pages:
    .  the Designated Subaccounts; and/or
    .  the Asset Allocation Model.

You must allocate all Contract Value between the Investment Strategy options.
If you use the Designated Subaccounts option, you must specify the percentage
to invest in each Designated Subaccount. Under the Asset Allocation Model
option, any percentage of Contract Value invested must first be divided into
categories in accordance with the percentages shown on the Contract Data Pages.
Within each category you must then specify the percentage to invest in each
available Subaccount.

Reallocations

You may reallocate Contract Value within the Investment Strategy by submitting
a transfer request. We reserve the right to assess a charge for transfers in
accordance with the terms of the Contract to which this rider is attached. The
maximum transfer charge is shown on the Contract Data Pages.

On a monthly basis, we will rebalance Contract Value to the Subaccounts in
accordance with the percentages that you have chosen. 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 that you have
chosen, unless you instruct us otherwise.

Allocations Outside of the Investment Strategy

If you choose to allocate Contract Value without following the Investment
Strategy, your Benefit Base will be reduced by the percentage shown on the
Contract Data Pages. You may elect to resume participation in the Investment
Strategy at your next available reset date, as described in the Benefit Base
provision, provided we receive notice of your election in a form acceptable to
us.

If on the Annuity Commencement Date, you are following the Investment Strategy
and you later choose to allocate the value of Annuity Units without following
the Investment Strategy, your Income Base will be reduced by the percentage
shown on the Contract Data Pages. A reduction of Income Base after the Annuity
Commencement Date will result in reduction of the Guaranteed Payment Floor and
the Additional Death Proceeds. However, if your Benefit Base was reduced due to
not following the Investment Strategy and then not reset before your Annuity
Commencement Date, this adjustment does not apply. On a monthly basis, we will
rebalance the value of Annuity Units to the Subaccounts in accordance with the
percentages that you have chosen.

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

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

Benefit Base

The initial Benefit Base is equal to the sum of the Purchase Payments applied
on the Contract Date. The Benefit Base is constant and remains in effect until
adjusted as described below.

If you have followed the Investment Strategy from the later of the Contract
Date and the date on which the Benefit Base was reset (as described below), any
additional Purchase Payments applied will be added to the Benefit Base as of
the prior Valuation Day. We reserve the right to exclude additional Purchase
Payments from being applied to the Benefit Base. If we exercise the right to
exclude additional Purchase Payments, then we will provide you with 30-day
written notice prior to such action.

If your Benefit Base was reduced due to not following the Investment Strategy
and then not reset, any additional Purchase Payments applied will increase the
Benefit Base by (a) minus (b), where:
     (a) is the Purchase Payment; and
     (b) is the Purchase Payment multiplied by the Benefit Base reduction
         percentage, shown on the Contract Data Pages.

All withdrawals, including any surrender charges, reduce the Benefit Base. The
new Benefit Base is equal to (a) multiplied by (b) divided by (c), where:
     (a) is the Benefit Base as of the prior Valuation Day, adjusted for any
         additional Purchase Payments;
     (b) is the Contract Value following the withdrawal; and
     (c) is the Contract Value before the withdrawal.

On the Annuity Commencement Date, the Income Base is set equal to the Benefit
Base. Any withdrawal that occurs on the Annuity Commencement Date will be
processed before Benefit Base is converted to Income Base.

If all of the Annuitants are ages 50 through the maximum reset age, you may
choose to reset your Benefit Base on an annual anniversary of the Contract Date
that is at least 12 months after the later of the Contract Date and the last
reset date.

Reset of Benefit Base

If you do reset your Benefit Base, as of that date, we will:
     .   reset the Benefit Base to your Contract Value;
     .   reset the charge for this rider. The new charge, which may be higher
         than your previous charge, will never exceed 1.25% annually; and
     .   reset the Investment Strategy to the current Investment Strategy.

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You may not reset your Benefit Base after the Annuity Commencement Date. If on
any rider anniversary any Annuitant is older than the maximum reset age, you
may not reset your Benefit Base. The maximum reset age is shown on the Contract
Data Pages.

Monthly Income

You may elect to receive your benefits under this rider or you may elect to
receive your benefits under the Contract to which this rider is attached. If
you choose to receive Income Payments in accordance with the provisions of the
Contract then no further Monthly Income benefits or Death Benefits will be
payable under this rider. Any further reference in this rider to Monthly Income
will refer to the calculation of benefits under this rider.

The Annuity Commencement Date under this rider may be any Valuation Day after
the first Valuation Day under the Contract. Prior to the date that Monthly
Income begins, the Annuity Commencement Date may be changed to any Valuation
Day after the first Valuation Day under the Contract. On the Annuity
Commencement Date, we will begin the payment process for your Monthly Income.
Monthly Income will be paid during the life of the Annuitant(s). Beginning on
the Annuity Commencement Date, Monthly Income will be calculated annually as of
the first Valuation Day of each Annuity Year. If the first day of an Annuity
Year does not begin on a Valuation Day, the next Valuation Day will be used in
calculating the Monthly Income for that Annuity Year. Monthly Income will not
vary during an Annuity Year.

Monthly Income will be paid to you unless you elect otherwise. The Monthly
Income provided by this rider can only be taken as a variable annuity payout.

How Monthly Income Is Determined

Guaranteed Payment Floor: The Guaranteed Payment Floor is equal to
(a) multiplied by (b) divided by (c), where:
     (a) is the Income Base;
     (b) is the Guaranteed Payment Floor percentage shown on the Contract Data
         Pages for the attained age of the Annuitant for a single Annuitant
         Contract or the attained age for the younger living Annuitant for a
         Joint Annuitant Contract on the Annuity Commencement Date; and
     (c) is twelve.

Once a Contract is a Joint Annuitant Contract, it will remain a Joint Annuitant
Contract while the Contract and rider are in effect.

Initial Monthly Income: The initial Monthly Income is the greater of the Level
Income Amount and the Guaranteed Payment Floor. The Annual Income Amount is
used to determine the Level Income Amount. The Level Income Amount is the
monthly amount that would result from applying the Annual Income Amount to a
twelve-month, period certain, fixed single payment immediate annuity made
available to this Contract.

The initial Annual Income Amount is equal to (a) multiplied by (b), where:
     (a) is the payment rate based upon the gender(s), when applicable, and
         settlement age(s) of the Annuitant(s), the Contract Value on the
         Valuation Day prior to the Annuity Commencement Date and the Income
         Base as of the Annuity Commencement Date; and

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     (b) is the Contract Value on the Valuation Day prior to the Annuity
         Commencement Date less any premium tax.

For purposes of this rider only, the payment rates are based on a cash refund
annuity and the Annuity 2000 Mortality Table, using an Assumed Interest Rate of
4%.

Maximum Age Adjustment: The settlement age(s) is the Annuitant(s)'s age last
birthday on the date Monthly Income begins, minus an age adjustment from the
table below. The actual age adjustment may be less than the numbers shown.

                           Year Payments Begin
                           ------------------- Maximum Age
                           After    Prior To   Adjustment
                           -------- ---------- -----------
                           2005       2011         5
                           2010       2026         10
                           2025        --          15

On the Annuity Commencement Date, if any Monthly Income would be $100 or less,
we reserve the right to reduce the frequency of payments to an interval that
would result in each amount being at least $100. If the annual payment would be
less than $100, we will pay the Contract Value on the Valuation Day prior to
the Annuity Commencement Date and the Contract will terminate on the Annuity
Commencement Date.

Subsequent Monthly Income: Monthly Income in subsequent Annuity Years will be
calculated annually as of the first Valuation Day of each Annuity Year. Monthly
Income in subsequent Annuity Years is the greater of (a) and (b), where:
     (a) is the subsequent Level Income Amount, minus any value in the
         Adjustment Account as of the date the last Monthly Income was paid
         divided by twelve; and
     (b) is the Guaranteed Payment Floor.

The Annual Income Amount is used to determine the Level Income Amount. The
Annual Income Amount in subsequent Annuity Years is determined by means of
Annuity Units. The number of Annuity Units will be determined on the Annuity
Commencement Date. The number will not change unless a transfer is made. The
number of Annuity Units for a Subaccount is (a) divided by (b), where:
     (a) is the initial Annual Income Amount from that Subaccount; and
     (b) is the Annuity Unit value for that Subaccount as of the Annuity
         Commencement Date.

The Annual Income Amount for a Subaccount in each subsequent Annuity Year is
the number of Annuity Units for that Subaccount multiplied by the Annuity Unit
value for that Subaccount on the first Valuation Day of each Annuity Year. The
Annual Income Amount in each subsequent Annuity Year is equal to the sum of
Annual Income Amounts for each Subaccount.

The Annual Income Amount may be greater or less than the Annual Income Amount
in the first Annuity Year. We guarantee that Annual Income Amount in subsequent
Annuity Years will not be affected by variations in mortality experience from
the mortality assumptions on which the Annual Income Amount in the first
Annuity Year is based.

Determination of Annuity Unit Value: The Annuity Unit value of each Subaccount
for any Valuation Period is equal to the Annuity Unit value for that Subaccount
for the preceding Valuation Period multiplied by the product of (a) and (b),
where:
     (a) is the net investment factor for the Valuation Period for which the
         Annuity Unit value is being calculated; and

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     (b) is an Assumed Interest Rate factor equal to .99989255 raised to a
         power equal to the number of days in the Valuation Period.

The Assumed Interest Rate factor in (b) is the daily equivalent of dividing
(i) one by (ii) one plus the Assumed Interest Rate of 4%. If a plan with a
different Assumed Interest Rate is used to determine the initial payment, a
different Assumed Interest Rate factor will be used to determine subsequent
payments.

Adjustment Account

An Adjustment Account is established on the Annuity Commencement Date. If the
Level Income Amount is less than the Guaranteed Payment Floor, your Monthly
Income will equal the Guaranteed Payment Floor. The Adjustment Account tracks
the difference between the Level Income Amount and the Guaranteed Payment
Floor. You will not receive Monthly Income above the Guaranteed Payment Floor
unless future performance of the underlying Subaccount(s) is sufficient to
reduce the amount in the Adjustment Account to zero. Therefore, poor long-term
performance of the underlying Subaccount(s) may result in Monthly Income equal
to the Guaranteed Payment Floor, even if the underlying Subaccount(s) performs
well in a particular year.

The value of the Adjustment Account on the Annuity Commencement Date is the
greater of (a) and (b), where:
     (a) is zero; and
     (b) is twelve multiplied by the Guaranteed Payment Floor, minus twelve
         multiplied by the initial Level Income Amount.

The value of the Adjustment Account in subsequent Annuity Years is the greater
of (a) and (b), where:
     (a) is zero; and
     (b) is the value of the Adjustment Account as of the prior Annuity Year,
         plus twelve multiplied by the Monthly Income for the current Annuity
         Year, minus twelve multiplied by the Level Income Amount for the
         current Annuity Year.

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Following is an example of Monthly Income calculations that illustrates how an
Adjustment Account works. This example is based on purely hypothetical values
and is not intended to depict investment performance of the Contract.

                                                                      Net
                   Level   Guaranteed Change in  Adjustment         Annual
         Annual   Income    Payment   Adjustment  Account           Invest-
Annuity  Income   Amount     Floor     Account    Balance   Monthly  ment
Year     Amount  (Monthly) (Monthly)  (Annually) (Annually) Income  Return
------- -------- --------- ---------- ---------- ---------- ------- -------
1       $  7,658  $   638    $ 750      $ 1,342   $ 1,342   $   750   7.0%
2       $  7,879  $   657    $ 750      $ 1,121   $ 2,463   $   750   7.0%
3       $  8,106  $   676    $ 750      $   894   $ 3,357   $   750   7.0%
4       $  8,340  $   695    $ 750      $   660   $ 4,017   $   750   7.0%
5       $  8,581  $   715    $ 750      $   419   $ 4,436   $   750   7.0%
6       $  8,828  $   736    $ 750      $   172   $ 4,608   $   750   7.0%
7       $  9,083  $   757    $ 750    - $    83   $ 4,525   $   750   7.0%
8       $  9,345  $   779    $ 750    - $   345   $ 4,181   $   750   7.0%
9       $  9,614  $   801    $ 750    - $   614   $ 3,566   $   750   7.0%
10      $  9,892  $   824    $ 750    - $   892   $ 2,675   $   750   7.0%
11      $ 10,177  $   848    $ 750    - $ 1,177   $ 1,498   $   750   7.0%
12      $ 10,471  $   873    $ 750    - $ 1,471   $    27   $   750   7.0%
13      $ 10,773  $   898    $ 750    - $    27   $     0   $   895   7.0%
14      $ 11,083  $   924    $ 750      $     0   $     0   $   924   7.0%
15      $ 11,403  $   950    $ 750      $     0   $     0   $   950   7.0%
16      $ 11,732  $   978    $ 750      $     0   $     0   $   978   7.0%
17      $ 12,070  $ 1,006    $ 750      $     0   $     0   $ 1,006   7.0%
18      $ 12,419  $ 1,035    $ 750      $     0   $     0   $ 1,035   7.0%
19      $ 12,777  $ 1,065    $ 750      $     0   $     0   $ 1,065   7.0%
20      $ 13,145  $ 1,095    $ 750      $     0   $     0   $ 1,095   7.0%

1.  The Income Base is the converted Benefit Base and is assumed to be
    $ 100,000.

2.  The first Annual Income Amount is calculated by applying a rate based on
    the Annuity 2000 Table and 4% interest to the Contract Value as of the
    Income Start Date.

3.  All subsequent Annual Income Amounts are calculated assuming hypothetical
    investment performance of 7% per year.

4.  The Level Income Amount is equal to the Annual Income Amount divided by 12.

5.  The Guaranteed Payment Floor is 9% of the Income Base divided by 12.

6.  The change in the Adjustment Account balance is equal to the Guaranteed
    Payment Floor minus the Level Income Amount, multiplied by 12, while the
    Adjustment Account is greater than zero.

7.  The Adjustment Account balance is the sum of the changes in the Adjustment
    Account.

8.  The Monthly Income is the greater of the Level Income Amount minus the
    prior Adjustment Account balance divided by 12, and the Guaranteed Payment
    Floor.

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Death Provisions

Special Distribution Rules when Death Occurs Before Monthly Income Starts

If the designated beneficiary is a surviving spouse who elects to continue the
Contract as the new Owner, this rider will continue.

Special Distribution Rules when Death of the Last Annuitant Occurs on or After
Monthly Income Starts

If the last Annuitant dies after the Annuity Commencement Date, there may be
Additional Death Proceeds paid under this rider to the designated beneficiary
in a lump sum. The amount of any Additional Death Proceeds will be the greater
of (a) and (b), where:
     (a) is (i) minus (ii), where:
         (i)  is the Income Base;
         (ii) is the sum of all Monthly Income paid; and
     (b) is zero.

Rider Charge

There will be a daily asset charge made for this rider. This charge is added to
the Contract's daily asset charge and applied against all amounts in 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 Contract and rider are in effect. The charge for this rider may be
reset if you choose to reset your Benefit Base. The new charge, which may be
higher than your previous charge, will never exceed 1.25% annually.

If the Owner chooses to elect Income Payments under the Contract instead of
Monthly Income under the rider, there will be no further rider charges.

When this Rider is Effective

The rider becomes effective on the Contract Date. It will remain in effect
while this Contract is in force.

Change of Ownership

You may assign the benefits provided under this rider. The Annuitant(s) will
not change if you assign the benefits. We must be notified in writing if you
assign the benefits of this rider.

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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.
    .  An Owner may name only his or her spouse as a Joint Owner.
    .  If there is only one Owner, that Owner may name only his or her spouse
       as a Joint Annuitant at issue.
    .  If you marry after issue but prior to the Annuity Commencement Date, you
       may add your spouse as a Joint Owner and Joint Annuitant or as a Joint
       Owner or Joint Annuitant only.

For Genworth Life Insurance Company of New York,

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

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 EXHIBIT 10.1 
 [On Arbinet-thexchange, Inc. Letterhead] 
 October 16, 2006 
 John B. Wynne, Jr. 
 79 Under Cliff Road 
 Trumball, CT 06611 
 Dear Jack: 
 On behalf of
Arbinet-thexchange, Inc. (the “Company”), I am pleased to extend to you an offer of employment in accordance with the following terms: 
 Title: You will serve as Chief Financial Officer. You will report to the President and CEO, and office in New Brunswick, New Jersey. 
 Effective Date: Upon acceptance by you, you will immediately become the Company’s Chief Financial Officer. 
 Duties and Obligations: During your employment you will devote your full business interest and effort to the performance of your duties with the Company. These duties include managing: 
  

	 	•	 	accounting practices and polices; 

  

	 	•	 	financial and management reporting; 

  

	 	•	 	internal controls; 

  

	 	•	 	long term financial planning 

  

	 	•	 	treasury and financing activities; 

  

	 	•	 	tax planning; 

  

	 	•	 	Sarbanes-Oxley compliance; and 

  

	 	•	 	all other functions that are commonly associated with the Chief Financial Officer position. 

 Employment Relationship: Your employment will be “at will” and may be terminated by either you or the Company at any time for any reason or no reason, by providing sixty (60) days written notice
to the other party. Your participation in any Company benefit or equity program does not constitute an agreement by the Company to employ or continue to employ you for any period of time. Nothing in this letter creates any express or implied
contract. This at-will relationship will remain in effect throughout your employment with the Company and can be changed only by an express written agreement. 

 Salary and Bonus: While you are employed on a full-time basis by the Company the Company will pay you a base
salary which annualizes to $275,000, payable in accordance with the usual payroll practices of the Company including the withholding of all income and employment taxes. You will be eligible for a 45% target bonus based upon achievement of assigned
performance goals and subject to the approval of the Board of Directors. The Company will pay you a prorated 2006 bonus of $25,781.25 on February 28th, 2007, provided that you have not been terminated for cause (as defined in section “d)” in “Termination” below). 
 Equity: You will also be eligible to participate in the Company’s employee stock option plan. Under the option plan and subject to the approval of the compensation committee and Board of Directors, the
Company will grant you an option to purchase 175,000 shares of common stock of the Company at an exercise price of the last reported sale price on the date of grant and shall vest monthly over a 4-year period. 
 Notwithstanding the foregoing, in the event of a Change in Control (as defined below), (i) on the day of a change in control event, one-half of the unvested options
shall vest, with the remaining unvested portion vesting monthly and equally over the remaining portion of the vesting term; provided that the grantee is employed by the Company or a subsidiary, or is associated with the Company or subsidiary as a
director or consultant, on the applicable vesting dates; and (ii) if there is a “change in control” event (as defined below) and if within twelve months of such Change of Control the grantee’s employment with the Company is
terminated (other than a termination for “cause” as defined in Section 1.6.5 of the Plan) then all restrictions shall lapse. 
 For purposes
hereof, a “Change in Control” event shall mean a change in ownership or control of the Company effected through any of the following transactions: 
  

	 	I.	a merger, consolidation or other reorganization approved by the Company’s stockholders, unless securities representing more than fifty percent (50%) of the total
combined voting power of the voting securities of the successor corporation are immediately thereafter beneficially owned, directly or indirectly and in substantially the same proportion, by the persons who beneficially owned the Company’s
outstanding voting securities immediately prior to such transaction, or 

  

	 	II.	a stockholder-approved sale, transfer or other disposition of all or substantially all of the Company’s assets, or 

  

	 	III.	the closing of any transaction or series of related transactions pursuant to which any person or any group of persons comprising a “group” within the meaning of Rule
13d-5(b)(1) of the Securities Exchange Act of 1934 Act (other than the Company or a person that, prior to such transaction or series of related transactions, directly or indirectly controls, is controlled by or is under common control with, the
Company) becomes directly or indirectly the beneficial owner (within the meaning of Rule 13d-3 of the Securities Exchange Act of 1934) of securities possessing (or convertible into or exercisable for securities possessing) more than fifty percent
(50%) of the total combined voting power of the Company’s securities (as measured in terms of the power to vote with respect to the election of Board members) outstanding immediately after the consummation of such transaction or series of
related transactions, whether such transaction involves a direct issuance from the Company or the acquisition of outstanding securities held by one or more of the Company’s existing stockholders, or 

	 	IV.	a change in the composition of the Board over a period of thirty-six (36) consecutive months or less such that a majority of the Board members ceases, by reason of one or more
contested elections for Board membership, to be comprised of individuals who either (A) have been Board members continuously since the beginning of such period or (B) have been elected or nominated for election as Board members during such
period by at least a majority of the Board members described in clause (A) who were still in office at the time the Board approved such election or nomination. 

 These options will be subject to various restrictions, including restrictions on transfer, forfeiture and repurchase provisions. Further details regarding the option plan will be provided to you once you have been
granted options. 
 Additionally, you will be awarded a performance share grant of 35,000 common stock shares that can be earned pursuant to a performance
agreement that will be executed upon your first day of employment. Further details regarding the performance requirements will be provided to you at that time. 
 Benefits: You will participate to the extent eligible and subject to confirming coverage with applicable underwriters (if any), in all of the Company’s employee benefit programs generally provided to other executives, in
accordance with the terms thereof as in effect from time to time. These benefits are described in the enclosed materials along with a copy of the employee handbook, which describes the Company’s policies and procedures that will govern certain
aspects of your employment. Please be sure to review the handbook and sign and return the acknowledgement of receipt page at the end of the handbook to Kathy Cunningham on or prior to your first day of employment. 
 Relocation: In lieu of a relocation package, the Company shall reimburse you for reasonable commuting expenses. Such reimbursement shall not exceed $2,000 per
month. 
 Vacation: The Company’s vacation year runs from January 1st to December 31st and
you will be eligible for a 4-week vacation, which is accrued based on your date of hire as explained in the handbook. 
 Termination of Employment:

  

	a)	In the event that your employment is terminated by the Company without cause, or by you for Good Reason, the Company will pay you, subject to your compliance with this and
paragraphs b, c and d following, (i) any unpaid base salary through the date of termination and any accrued vacation; (ii) severance pay equal to twelve (12) months base salary at the rate in effect on the date of termination
(iii) an amount reimbursing you for the applicable premium payment for any COBRA coverage payable under the Company health or welfare plan for you and your dependents during the twelve (12) month period following the date of termination
(the “Twelve Month Period”); (iv) an amount equal to any employer contribution that would have been made by the Company pursuant to any retirement plan of the Company on your behalf and you remained employed by the Company during the
Twelve Month 

 Period assuming you contribute the maximum amount to the plan. Notwithstanding the foregoing, the amounts
paid to you pursuant to subsections (iii) and (iv) of this paragraph (a) shall not exceed $25,000. 
  

	b)	In the event your employment hereunder is terminated for any other reason, the Company will pay you any unpaid base salary and compensation for accrued vacation through the date of
termination. 

  

	c)	In addition, in all termination events the Company will pay you any other amounts or benefits owing to you under the then applicable employee benefit plans and programs of the
Company in accordance with such plans and programs. 

  

	d)	For the purposes of this letter “cause” shall mean any of the following: (w) your willful misconduct in the performance of your duties to the Company, or your willful
failure to implement any legal policy of the Company; (x) conviction of or plea of guilty or any plea other than “not guilty” to a felony; (y) the violation by you of any material provision of this letter which either is not
cured within ten days after a written notice is given to you by the Company or constitutes a habitual breach; or (z) your dishonesty, misappropriation or fraud with regard to the property of the Company or its affiliates.

  

	e)	You may terminate your employment for Good Reason. “Good Reason” means, without your written consent: (i) a material adverse change in your title or the duties
assigned to you; (ii) any material failure by the Company to comply with the provisions of this Agreement; or (iii) any requirement by the Company that your primary office location be other than in the states of New York, New Jersey or
Connecticut. 

 Confidential Information: While providing your services, you will have access to and will obtain confidential
information as to the Company, its affiliates, its employees, and its customers and you may during the course of your employment develop certain information, inventions or other intellectual property. As a condition of your employment with the
Company, you will be required to enter into the Company’s Employee Inventions and Confidentiality Agreement (the “Confidentiality Agreement”). The Confidentiality Agreement exists to ensure the Company and its investors that the
Company’s valuable intellectual property and its rights thereto are protected. 
 Non-Competition/Non-Solicitation 
  

	a)	 You acknowledge and recognize the highly competitive nature of the Company’s business and that access to the Company’s confidential records and
proprietary information renders you special and unique within the Company’s industry. In consideration of the payment by the Company to Employee of amounts that may hereafter be paid to Employee pursuant to this offer, you agree that during
your employment hereunder and for a twelve (12) month period after the termination of your employment with the Company (the “Covered Time”), without the prior written consent of the Company, you will not enter into Competition with
the Company. “Competition” shall mean participating, directly or indirectly, as an individual proprietor, partner, stockholder, officer, employee, director, joint venturer, investor, lender, consultant or in any capacity whatsoever in a
business in competition with any business conducted by the Company or its affiliates (a “Competitor”) in any jurisdiction where the Company and/or its affiliates conduct such business as of the date Employee’s employment 

 
terminates, and shall be deemed to include, without limitation, any business activity or jurisdiction which is covered by or included in a written proposal
or business plan existing on the date of the termination of Employee’s employment with the Company; provided, however, that such participation shall not include (i) the ownership of not more than one percent (1%) of the total
outstanding stock of a publicly held company, (ii) the performance of services for any enterprise to the extent such services are not performed, directly or indirectly, for a business unit of the enterprise in the aforesaid Competition or
(iii) any activity engaged in with the prior approval of the Board. 
  

	b)	In further consideration of the payment by the Company to you of amounts that may hereafter be paid to you pursuant to this offer, you agree that during the Covered Time you shall
not (i) directly or indirectly solicit or attempt to solicit any of the employees, agents, consultants or representatives of the Company to terminate his, her or its relationship with the Company; (ii) directly or indirectly solicit or
attempt to solicit any of the employees, agents, consultants or representatives of the Company to become employees, agents, representatives or consultants of any other person or entity (including yourself or any person or entity owned or controlled
by you); or (iii) directly or indirectly solicit or attempt to solicit any customer, vendor or distributor of the Company with respect to any product or service being furnished, made, sold or leased by the Company or proposed to be furnished,
made, sold or leased by the Company and which is covered in a written proposal or business plan by the Company. 

  

	c)	You understand that the provisions of this section (a) and (b) may limit your ability to earn a livelihood in a business similar to the business of the Company but
nevertheless agree and hereby acknowledge that the consideration provided under this offer is sufficient to justify the restrictions contained in such provisions. In consideration thereof and in light of your education, skills and abilities, you
agree that you will not assert in any forum that such provisions prevent you from earning a living or otherwise are void or unenforceable or should be held void or unenforceable. 

 Governing Law/Miscellaneous: This offer is subject to the laws of the State of New York. This offer, along with the Confidentiality Agreement, sets forth the
terms of your employment with the Company and supersedes all prior agreements, arrangements and communications, whether oral or written, between the Company and you. This letter may not be altered, modified or amended except by written instrument
signed by an individual authorized to sign on behalf of the Company (other than you) and by you. This letter may not be assigned in whole or in part, except that the Company may assign it to an acquirer of all or substantially all of the assets of
the Company. This letter shall be binding on the successors and permitted assignees of the parties hereto. 
 This offer of employment is contingent on a
successful background check and verification of your employment eligibility as required by the Immigration Reform and Control Act of 1986, which requires us to verify your employment eligibility. On the first day of work, please bring documents that
show both your identification and authorization to work in the United States. These documents can be a U.S. birth certificate or social security card and driver’s license; a U.S. passport; or a Certificate of Naturalization.

 This offer is made to you based on your representation to the Company that your acceptance of employment with the Company
and performance of the contemplated services does not and will not conflict with or result in any breach or default or violate any other legal restriction. If you find this offer of employment acceptable, please sign and return this offer letter to
me. 
 Sincerely, 
  

	
	 /s/ J. Curt Hockemeier

	J. Curt Hockemeier

  

	
	Accepted by:
	
	 /s/ John B. Wynne, Jr.

	John B. Wynne, Jr.

 Date: 10/16/2006

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