Document:

Exhibit 4.1

 Exhibit 4.1 
 PRICING INSTRUMENT 
 WHEREAS, the parties named herein desire to enter into certain Program Documents
(as defined herein) contained herein, each such document (unless otherwise specified in such document) dated as of December 10, 2007, relating to the issuance by Genworth Global Funding Trust 2007-3 (the “Trust”) of Notes to investors
under the secured notes program sponsored by Genworth Life and Annuity Insurance Company (“GLAIC”), the terms of such Notes as specified in the pricing supplement attached to this Pricing Instrument as Exhibit C (the “Pricing
Supplement”); 
 WHEREAS, the Trust is a trust and will be organized under and its activities will be governed by the provisions of the
Trust Agreement (set forth in Section A of this Pricing Instrument), dated as of December 10, 2007, by and between the parties thereto indicated in Section E herein; 
 WHEREAS, certain expense and indemnification arrangements between GLAIC and the Trustee, on behalf of itself and on behalf of the Trust, are governed pursuant to the provisions of the Expense and Indemnity Agreement
dated as of October 1, 2006 by and between GLAIC and the Trustee; 
 WHEREAS, certain licensing arrangements between the Trust and
Genworth Financial, Inc. will be governed pursuant to the provisions of the License Agreement dated as of October 28, 2005, by and between the Trust and Genworth Financial, Inc.; 
 WHEREAS, certain custodial arrangements for the Funding Agreement will be governed pursuant to the provisions of the Custodial Agreement (the
“Custodial Agreement”) dated as of December 7, 2005 by and among SunTrust Bank, acting as custodian (the “Custodian”), the Indenture Trustee and the Trust; 
 WHEREAS, the Notes will be issued pursuant to the Indenture (set forth in Section B of this Pricing Instrument), dated as of the Original Issue Date, by
and between the parties thereto indicated in Section E herein; 
 WHEREAS, the sale of the Notes will be governed by the Terms Agreement (set
forth in Section C of this Pricing Instrument), dated as of December 10, 2007, by and among the parties thereto indicated in Section E herein; and 
 WHEREAS, certain agreements relating to the Notes and the Funding Agreement are set forth in the Coordination Agreement (set forth in Section D of this Pricing Instrument), dated as of December 10, 2007, by and among the parties thereto
indicated in Section E herein. 
 All capitalized terms used herein and not otherwise defined will have the meanings set forth in the
Indenture. 
  

 1 

 SECTION A 
 TRUST AGREEMENT 
 This TRUST AGREEMENT (this “Trust Agreement”), dated as of December 10, 2007, is
entered into by and between GSS Holdings II, Inc., a Delaware corporation, as trust beneficial owner (the “Trust Beneficial Owner”), and U.S. Bank National Association, a national banking association, as Trustee (the “Trustee”).

 References in the Standard Trust Terms to JPMorgan Chase Bank, N.A. shall refer to The Bank of New York Trust Company, N.A. and
its permitted successors and assigns. 
 WITNESSETH: 
 WHEREAS, the Trust Beneficial Owner and the Trustee desire to authorize the issuance of a Trust Beneficial Interest and a series of Notes in connection with the entry into this Trust Agreement; 
 WHEREAS, all things necessary to make this Trust Agreement a valid and legally binding agreement of the Trustee and the Trust Beneficial Owner,
enforceable in accordance with its terms, have been done; 
 WHEREAS, the parties intend to provide for, among other things, (i) the
issuance and sale of the Notes (pursuant to the Indenture, the Distribution Agreement and the related Terms Agreement) and the Trust Beneficial Interest, (ii) the use of the proceeds of the sale of the Notes and Trust Beneficial Interest to
acquire the Funding Agreement, and (iii) all other actions deemed necessary or desirable in connection with the transactions contemplated by this Trust Agreement; and 
 WHEREAS, the parties hereto desire to incorporate by reference those certain Standard Trust Terms, dated as of December 8, 2005, and attached to the
Pricing Instrument as Exhibit A (the “Standard Trust Terms”). 
 NOW, THEREFORE, in consideration of the agreements and obligations
set forth herein and for other good and valuable consideration, the sufficiency of which are hereby acknowledged, each party hereby agrees as follows: 
 ARTICLE 1 
 Section 1.01 Incorporation by Reference. All terms, provisions and agreements set forth
in the Standard Trust Terms (except to the extent expressly modified herein) are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. All capitalized terms not otherwise defined herein (including
the recitals hereof) shall have the meanings set forth in the Standard Trust Terms (the Standard Trust Terms and this Trust Agreement, collectively, the “Trust Agreement”). To the extent that the terms set forth in Article 2 of this Trust
Agreement are inconsistent with the terms of the Standard Trust Terms, the terms set forth in Article 2 herein shall apply. 
  

 A-1 

 ARTICLE 2 
 Section 2.01 Name. The Trust created and governed by this Trust Agreement shall be the trust specified in the Pricing Instrument. The name of the Trust shall be the name specified in the first paragraph of the
Pricing Instrument, as such name may be modified from time to time by the Trustee following written notice to the Trust Beneficial Owner. 
 Section 2.02 Jurisdiction. The Trust is hereby organized in, and formed under and pursuant to, the laws of the jurisdiction specified in the Pricing Supplement. 
 Section 2.03 Initial Capital Contribution and Ownership. The Trust Beneficial Owner has paid or has caused to be paid to, or to an account at the
direction of, the Trustee, on the date hereof, the sum of $15 (or, in the case of Notes issued with original issue discount, such amount multiplied by the issue price of the Notes as specified in the Pricing Supplement). The Trustee hereby
acknowledges receipt in trust from the Trust Beneficial Owner, as of the date hereof, of the foregoing contribution, which shall be used along with the proceeds from the sale of the series of Notes to purchase the Funding Agreement. Upon the
creation of the Trust and the registration of the Trust Beneficial Interest in the Securities Register (as defined in the Trust Agreement) by the Trust Registrar in the name of the Trust Beneficial Owner, the Trust Beneficial Owner shall be the sole
beneficial owner of the Trust. 
 Section 2.04 Acknowledgment. The Trustee, on behalf of the Trust, expressly acknowledges its duties
and obligations set forth in the Standard Trust Terms incorporated herein by reference. 
 Section 2.05 Additional Terms.
Section 5.01(a) of the Standard Trust Terms is hereby replaced with the following: “it is a national banking association duly organized, validly existing and in good standing under the laws of the United States of America and it is a
“bank” within the meaning of Section 581 of the Code;”. 
 Section 2.06 Pricing Instrument; Execution and
Incorporation of Terms. 
 The parties hereto will enter into the Trust Agreement by executing the Pricing Instrument. 
 By executing the Pricing Instrument, the Trustee and the Trust Beneficial Owner hereby agree that the Trust Agreement will constitute a legal, valid and
binding agreement between the Trustee and the Trust Beneficial Owner. 
 All terms relating to the Trust or the series of Notes not otherwise
included herein will be as specified in the Pricing Instrument or Pricing Supplement, as indicated herein. 
 Section 2.07 Governing
Law. This Trust Agreement will be governed by, and construed in accordance with, the laws of the jurisdiction specified in the Pricing Supplement. 
  

 A-2 

 Section 2.08 Counterparts. The Trust Agreement, through the Pricing Instrument, may be executed in
any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
  

 A-3 

 SECTION B 
 INDENTURE 
 This INDENTURE (this “Indenture”) is entered into as of the Original Issue Date by and
between the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”) and The Bank of New York Trust Company, N.A., as the indenture trustee (the “Indenture Trustee”). 
 The Bank of New York Trust Company, N.A., in its capacity as Indenture Trustee, hereby accepts its role as Registrar, Paying Agent, Transfer Agent and
Calculation Agent hereunder. 
 References herein to “Indenture Trustee,” “Registrar,” “Transfer Agent,”
“Paying Agent” or “Calculation Agent” shall include the permitted successors and assigns of any such entity from time to time and references in the Standard Indenture Terms to The Bank of New York shall refer to U.S. Bank
National Association and its permitted successors and assigns. 
 WITNESSETH: 
 WHEREAS, the Trust has duly authorized the execution and delivery of this Indenture to provide for the issuance of Notes; 
 WHEREAS, all things necessary to make this Indenture a valid and legally binding agreement of the Trust and the other parties to this Indenture,
enforceable in accordance with its terms, have been done, and the Trust proposes to do all things necessary to make the Notes, when executed by the Trust and authenticated and delivered pursuant hereto, valid and legally binding obligations of the
Trust as hereinafter provided; and 
 WHEREAS, the parties hereto desire to incorporate by reference those certain Standard Indenture Terms,
dated as of December 8, 2005, and attached to the Pricing Instrument as Exhibit B (the “Standard Indenture Terms”). 
 NOW, THEREFORE, for and in consideration of the premises and the purchase of the Notes by the Holders thereof, it is mutually covenanted and agreed by each of the parties hereto as follows: 
 ARTICLE 1 
 Section 1.01 Incorporation by
Reference. All terms, provisions and agreements set forth in the Standard Indenture Terms (except to the extent expressly modified herein) are hereby incorporated herein by reference with the same force and effect as though fully set forth
herein. All capitalized terms not otherwise defined herein (including the recitals hereof) shall have the meanings set forth in the Standard Indenture Terms (the Standard Indenture Terms and this Indenture, collectively, the “Indenture”).
To the extent that the terms set forth in Article 2 of this Indenture are inconsistent with the terms of the Standard Indenture Terms, the terms set forth in Article 2 herein shall apply. 
  

 B-1 

 ARTICLE 2 
 Section 2.01 Agreement to be Bound. Each of the Trust, the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent and the Calculation Agent hereby agrees to be bound by all of the terms,
provisions and agreements set forth in the Indenture, with respect to all matters contemplated in the Indenture, including, without limitation, those relating to the issuance of the below-referenced Notes. 
 Section 2.02 Designation of the Trust, the Notes and the Funding Agreement. The Trust created by the Trust Agreement specified in the Pricing
Instrument and referred to herein is the Genworth Global Funding Trust specified in the Pricing Instrument. The Notes issued by the Trust and governed by the Indenture shall be the Notes specified in the Pricing Supplement. The Funding Agreement
designated hereby is the Funding Agreement designated in the Pricing Supplement, effective as of the Original Issue Date, between the Trust and Genworth Life and Annuity Insurance Company. 
 Section 2.03 Additional Terms. Notwithstanding anything to the contrary in Section 2.04(c) of the Standard Indenture Terms, the Indenture Trustee
will give written notice of redemption to the Holders in accordance with Section 1.06 of the Standard Indenture Terms not more than Seventy-five (75) calendar days and not less than thirty (30) calendar days prior to the date set for such
redemption. The initial principal amount of the Notes shall be $1,307,000.00. 
 Section 2.04 Pricing Instrument; Execution and
Incorporation of Terms. 
 The parties hereto will enter into this Indenture by executing the Pricing Instrument. 
 By executing the Pricing Instrument, the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent, the Calculation Agent and the Trust
hereby agree that the Indenture will constitute a legal, valid and binding agreement between the Indenture Trustee, the Registrar, the Transfer Agent, the Paying Agent, the Calculation Agent and the Trust. 
 All terms relating to the Trust or the Notes not otherwise included herein will be as specified in the Pricing Instrument or Pricing Supplement, as
indicated herein. 
 Section 2.05 Counterparts. This Indenture, through the Pricing Instrument, may be executed in any number of
counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute one and the same instrument. 
 [Remainder of Page Left Intentionally Blank] 
  

 B-2 

 SECTION C 
 TERMS AGREEMENT 
 This TERMS AGREEMENT (this “Terms Agreement”) is entered into as of December 10,
2007 by and among Genworth Life and Annuity Insurance Company (“GLAIC”), the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”) and the Agent specified in the Pricing Supplement (the
“Agent”). 
 WITNESSETH: 
 WHEREAS, GLAIC and the Agent have entered into that certain Distribution Agreement dated December 9, 2005 (the “Distribution Agreement”). 
 NOW, THEREFORE, in consideration of the mutual promises set forth herein and other good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, each of the parties hereby agrees as
follows: 
 ARTICLE 1 
 Section
1.01 Incorporation by Reference. The provisions of the Distribution Agreement and the related definitions (unless otherwise specified herein) are incorporated by reference herein and shall be deemed to have the same force and effect as if set
forth in full herein. 
 ARTICLE 2 
 Section 2.01 Addition of Trust as Party to Distribution Agreement. 
 Pursuant to Section 1 of the Distribution
Agreement, each of the undersigned parties hereby acknowledges and agrees that the Trust, upon execution hereof by the Trust and the other parties to this Terms Agreement, shall become a Trust for purposes of the Distribution Agreement in accordance
with the terms thereof, in respect of the Notes, with all the authority, rights, powers, duties and obligations of a Trust under the Distribution Agreement. The Trust confirms that any agreement, covenant, acknowledgment, representation or warranty
under the Distribution Agreement applicable to the Trust is made by the Trust at the date hereof, unless another time or times are specified in the Distribution Agreement, in which case such agreement, covenant, acknowledgment, representation or
warranty shall be deemed to be confirmed by the Trust at such specified time or times. 
 All references to Section 9 (Indemnification)
of the Distribution Agreement to “solely with respect to the applicable Agent(s) or Co-Agent(s)” will include all of such Agent’s or Co-Agent’s directors and officers and each person, if any, who controls such Agent or Co-Agent
within the meaning of Section 15 of the Securities Act of 1933, as amended or Section 20 of the Securities Exchange Act of 1934, as amended. All references in the Distribution Agreement to the “Registration Statement”, the
“Institutional Base Prospectus”, the “Retail Base Prospectus”, any “preliminary prospectus”, the “Time of Sale Prospectus” and the “Prospectus” shall also be deemed to include all documents
incorporated by reference therein. 
  

 C-1 

 Section 2.02 Purchase of Notes as Principal. 
 (a) Subject in all respects to the terms and conditions of the Distribution Agreement, the Trust hereby agrees to sell to the Agent and the Agent hereby
agrees to purchase the Notes having the terms specified in the Pricing Supplement relating to such Notes. The initial principal amount of the Notes is $1,307,000.00 
 (b) In connection with any purchase of Notes from the Trust by the Agent as principal, the parties agree that the items specified on Schedule I of the Pricing Instrument will be delivered as of the Settlement Date.

 Section 2.03 Termination. Upon the termination of this Terms Agreement pursuant to Section 13(b) of the Distribution
Agreement the undersigned parties hereby agree to allocate the expenses reasonably incurred prior to or in connection with such termination as follows: 
 The expenses will be borne by GLAIC. 
 Section 2.04 Applicable Time. For purposes of the
Distribution Agreement, the Applicable Time shall be 2:36 pm EST, December 10, 2007. 
 Section 2.05 Governing Law. This Terms
Agreement shall be governed by and construed in accordance with the laws of the State of New York without regard to the principles of conflicts of laws thereof. 
 Section 2.06 Notices. For purposes of Section 14 of the Distribution Agreement, the Trust’s communications details are as set forth in Section D of the Pricing Instrument. 
 Section 2.07 Additional Terms. The Agent represents, warrants and covenants with or to (as the case may be) the Trust and the Company that it
has not offered, sold or delivered and it will not offer, sell or deliver, any of the Notes, in or from any jurisdiction except under circumstances that are reasonably designed to result in compliance with the applicable securities laws and
regulations thereof. 
 Section 2.08 Pricing Instrument; Execution and Incorporation of Terms. 
 The parties hereto will enter into this Terms Agreement by executing the Pricing Instrument. 
 By executing the Pricing Instrument, each party hereto agrees that this Terms Agreement will constitute a legal, valid and binding agreement by and among
such parties. 
 All terms relating to the Trust or the Notes not otherwise included in this Terms Agreement will be as specified in the
Pricing Instrument or Pricing Supplement, as indicated herein. 
 Section 2.09 Counterparts. This Terms Agreement, through the
Pricing Instrument, may be executed in any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
  

 C-2 

 SECTION D 
 COORDINATION AGREEMENT 
 This COORDINATION AGREEMENT (this “Coordination Agreement”), dated as of
December 10, 2007, is entered into by and among Genworth Life and Annuity Insurance Company (“GLAIC”), the Genworth Global Funding Trust specified in the Pricing Instrument (the “Trust”), SunTrust Bank, in its capacity as
custodian of the Funding Agreement (“Custodian”) and The Bank of New York Trust Company, N.A., as the indenture trustee (the “Indenture Trustee”). 
 WITNESSETH 
 WHEREAS, the Trust will enter into the Funding Agreement with GLAIC, effective as of the
Original Issue Date specified in the Pricing Supplement; 
 WHEREAS, the Agents (as defined in the Distribution Agreement) will sell the
Notes in accordance with the Registration Statement; 
 WHEREAS, the Trust intends to issue the Notes in accordance with the Indenture, to
collaterally assign to, and grant a security interest in, the Funding Agreement to and in favor of the Indenture Trustee in accordance with the Indenture to secure payment of the Notes; and 
 WHEREAS, the Custodian will hold the Funding Agreement on behalf of the Indenture Trustee pursuant to the terms of the Custodial Agreement. 

NOW, THEREFORE, to give effect to the agreements and arrangements established under the Terms Agreement included in the Pricing Instrument, as
applicable, the Trust Agreement, the Indenture and the Notes, and in consideration of the agreements and obligations set forth herein and for other good and valuable consideration, the sufficiency of which are hereby acknowledged, each party hereby
agrees as follows: 
 ARTICLE 1 
 Section 1.01 Delivery of the Funding Agreement. The Trust hereby authorizes the Custodian, on behalf of the Indenture Trustee, to receive the Funding Agreement from GLAIC pursuant to the assignment of the Funding Agreement (the
“Assignment”), to be entered into on the Original Issue Date, included in the closing instrument dated as of the Original Issue Date (the “Closing Instrument”). 
 Section 1.02 Issuance and Purchase of the Notes. 
 (a) Delivery of the Funding Agreement to the Custodian, on behalf of the Indenture Trustee, pursuant to the Assignment or execution of the cross-receipt contained in the Closing Instrument shall be confirmation of
payment by the Trust for the Funding Agreement. 
 (b) The Trust hereby directs the Indenture Trustee, upon receipt of the Funding Agreement
by the Custodian, on behalf of the Indenture Trustee and pursuant to the Assignment, 

  

 D-1 

 
(i) to authenticate the certificates representing the Notes (the “Certificates”) in accordance with the Indenture and (ii) to (A) deliver
each relevant Certificate to the clearing system or systems identified in each such Certificate, or to the nominee of such clearing system, or the custodian thereof, for credit to such accounts as the Agent may direct, or (B) deliver each
relevant Certificate to the purchasers thereof as identified by the Agent. 
 ARTICLE 2 
 Section 2.01 Directions Regarding Periodic Payments. As registered owner of the Funding Agreement as collateral securing payments on the Notes,
the Indenture Trustee will receive payments on the Funding Agreement on behalf of the Trust. The Trust hereby directs the Indenture Trustee to use such funds to make payments on behalf of the Trust pursuant to the Trust Agreement and the Indenture.

 Section 2.02 Maturity of the Funding Agreement. Upon the maturity of the Funding Agreement and the return of funds thereunder, the
Trust hereby directs the Indenture Trustee to set aside from such funds an amount sufficient for the repayment of the outstanding principal on the Notes and Trust Beneficial Interest when due. 
 ARTICLE 3 
 Section 3.01 Officer’s Certificates. GLAIC hereby agrees to
deliver an Officer’s Certificate, a copy of which is attached hereto as Exhibit D, on a quarterly basis to any rating agency currently rating the Program. The Trust hereby agrees to deliver an Officer’s Certificate, a copy of which
is attached to the Pricing Instrument as Exhibit E, on a quarterly basis to any rating agency currently rating the Program. 
 Section
3.02 Filings. GLAIC hereby covenants to file, or cause to be filed, in a timely manner on behalf of the Trust all reports, certifications or similar filings required under the Securities Exchange Act of 1934, as amended. 
 ARTICLE 4 
 Section 4.01 No Additional
Liability. Nothing in this Coordination Agreement shall impose any liability or obligation on the part of any party to this Coordination Agreement to make any payment or disbursement in addition to any liability or obligation such party has
under the Program Documents, except to the extent that a party has actually received funds which it is obligated to disburse pursuant to this Coordination Agreement. 
 Section 4.02 No Conflict. This Coordination Agreement is intended to be in furtherance of the agreements reflected in the documents related to the Program Documents, and not in conflict. To the extent that a
provision of this Coordination Agreement conflicts with the provisions of one or more Program Documents, the provisions of such Program Documents shall govern. 
 Section 4.03 Governing Law. This Coordination Agreement shall be governed by and construed in accordance with the laws of the State of New York without regard to the principles of conflicts of laws thereof.

  

 D-2 

 Section 4.04 Severability. If any provision in this Coordination Agreement shall be invalid,
illegal or unenforceable, such provision shall be deemed severable from the remaining provisions of this Coordination Agreement and shall in no way affect the validity or enforceability of such other provisions of this Coordination Agreement.

 Section 4.05 Notices. All demands, notices and communications under this Coordination Agreement shall be in writing and shall be
deemed to have been duly given upon receipt at the addresses set forth below: 
 To the Trust: 
 Genworth Global Funding Trust 2007-3 
 c/o
U.S. Bank National Association 
 Corporate Trust Services 
 209 S. LaSalle Street, Suite 300 
 Chicago, Illinois 60604 
 Attention: Patricia Child, VP 
 Facsimile:
(312) 325-8905 
 To the Indenture Trustee: 
 The Bank of New York Trust Company, N.A. 
 2 North LaSalle Street, Suite 1020 
 Chicago, Illinois 60602 
 Attention: Corporate
Finance 
 Facsimile: (312) 827-8542 
 To GLAIC: 
 Genworth Life and Annuity Insurance Company 
 6610 West Broad Street 
 Richmond, Virginia
23230 
 Attention: Treasurer 
 Facsimile: (804) 662-7777 
 with a copy to: 
 Genworth Life and Annuity Insurance Company 
 6610 West Broad Street 
 Richmond, Virginia 23230 
 Attention: Heather
Harker, Esq. 
 Facsimile: (804) 281-6005 
 To the Custodian: 
 SunTrust Bank 
 919 East Main Street 
 Richmond, Virginia
23219 
 Attention: Retirement Services 
 Facsimile: (804) 782-7439 
  

 D-3 

 or at such other address as shall be designated by any such party in a written notice to the other parties. 

ARTICLE 5 
 Section 5.01 Pricing
Instrument; Execution and Incorporation of Terms. 
 The parties to this Coordination Agreement will enter into this Coordination
Agreement by executing the Pricing Instrument. 
 By executing the Pricing Instrument, each party hereto agrees that this Coordination
Agreement will constitute a legal, valid and binding agreement by and among the Trust, GLAIC, the Custodian and the Indenture Trustee. 
 All
terms relating to the Trust or the Notes not otherwise included in this Coordination Agreement will be as specified in the Pricing Instrument or Pricing Supplement, as indicated herein. 
 Section 5.02 Counterparts. This Coordination Agreement, through the Pricing Instrument, may be executed in any number of counterparts, each of
which counterparts shall be deemed to be an original, and all of which counterparts shall constitute but one and the same instrument. 
 Section 5.03 Capitalized Terms. All capitalized terms used herein and not otherwise defined in this Coordination Agreement will have the meanings set forth in the Indenture. 
 [Remainder of Page Left Intentionally Blank] 
  

 D-4 

 SECTION E 
 MISCELLANEOUS AND EXECUTION PAGES 
 This Pricing Instrument may be executed by each of the parties hereto in
any number of counterparts, and by each of the parties hereto on separate counterparts, each of which counterparts, when so executed and delivered, shall be deemed to be an original, but all such counterparts shall together constitute but one and
the same instrument. 
 Each signatory, by its execution hereof, does hereby become a party to each of the agreements or indenture identified
for such party as of the date specified in such agreements or indenture. 
 IN WITNESS WHEREOF, the undersigned have executed this Pricing
Instrument with respect to the Notes as of the date first written above. 
  

			
	GENWORTH LIFE AND ANNUITY INSURANCE COMPANY (in executing below agrees and becomes a party to (i) the Terms Agreement set forth in Section C herein and (ii) the
Coordination Agreement set forth in Section D herein)
		
	By:	 	/s/ Pamela C. Asbury
	Name:	 	Pamela C. Asbury
	Title:	 	Vice President

 [Execution Page 1 of 3] 
  

 E-1 

			
	THE GENWORTH GLOBAL FUNDING TRUST DESIGNATED IN THIS PRICING INSTRUMENT (in executing below agrees and becomes a party to (i) the Indenture set forth in Section B herein,
(ii) the Terms Agreement set forth in Section C herein and (iii) the Coordination Agreement set forth in Section D herein)
	
	By: U.S. BANK NATIONAL ASSOCIATION, not in its individual capacity but solely in its capacity as Trustee of the Trust
		
	By:	 	/s/ Patricia M. Child
	Name:	 	Patricia M. Child
	Title:	 	Vice President
	
	U.S. BANK NATIONAL ASSOCIATION (in executing below agrees and becomes a party to the Trust Agreement set forth in Section A herein), as Trustee
		
	By:	 	/s/ Patricia M. Child
	Name:	 	Patricia M. Child
	Title:	 	Vice President
	
	U.S. BANK NATIONAL ASSOCIATION (in executing below acknowledges and agrees to Section 5.01 of the Trust Agreement as set forth in and amended by Section A herein), in its
individual capacity
		
	By:	 	/s/ Patricia M. Child
	Name:	 	Patricia M. Child
	Title:	 	Vice President
	
	GSS HOLDINGS II, INC. (in executing below agrees and becomes a party to the Trust Agreement set forth in Section A herein), as Trust Beneficial Owner
		
	By:	 	/s/ Bernard J. Angelo
	Name:	 	 Bernard J. Angelo

	Title:	 	Vice President

 [Execution Page 2 of 3] 
  

 E-2 

			
	THE BANK OF NEW YORK TRUST COMPANY, N.A. (in executing below agrees and becomes a party to (i) the Indenture set forth in Section B herein, as Indenture Trustee, Registrar,
Transfer Agent, Paying Agent and Calculation Agent and (ii) the Coordination Agreement set forth in Section D herein), as Indenture Trustee, Registrar, Transfer Agent, Paying Agent and Calculation Agent
		
	By:	 	/s/ R. Tarnas
	Name:	 	 R. Tarnas

	Title:	 	Vice President
	
	SUNTRUST BANK (in executing below agrees and becomes a party to the Coordination Agreement set forth in Section D herein), as Custodian
		
	By:	 	/s/ Richard S. Owens III
	Name:	 	Richard S. Owens III
	Title:	 	VP/Trust Officer
	
	LASALLE FINANCIAL SERVICES, INC. (in executing below agrees and becomes a party to the Terms Agreement set forth in Section C herein)
		
	By:	 	/s/ Nancy Ludwig
	Name:	 	 Nancy Ludwig

	Title:	 	 Vice President

 [Execution Page 3 of 3] 
  

 E-3 

 EXHIBIT A 
 Standard Trust Terms 
 As filed as Exhibit 4.5 to the Registration Statement on Form S-3 (File No. 333-128718), filed
by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on December 8, 2005. 

 

 A-1 

 EXHIBIT B 
 Standard Indenture Terms 
 As filed as Exhibit 4.1 to the Registration Statement on Form S-3 (File No. 333-128718),
filed by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on December 8, 2005.

  

 B-1 

 EXHIBIT C 
 Pricing Supplement 
 As filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act,
dated as of December 3, 2007, with respect to the Notes to be issued by the Trust. 
  

 C-1 

 EXHIBIT D 
 Genworth Life and Annuity Insurance Company 
 Officer’s Certificate 
 The undersigned, an officer of Genworth Life and Annuity Insurance Company, a stock life insurance company operating under a charter granted by the
Commonwealth of Virginia (“GLAIC”), does hereby certify to Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies, Inc., in such capacity and on behalf of GLAIC, to the knowledge of the undersigned and
after reasonable inquiry, that: 
  

	 	1.	each of the representations and warranties of GLAIC contained in each Expense and Indemnity Agreement entered into in connection with the Registration Statement (defined below), and
each Funding Agreement issued in connection with the Program (the “Specified Agreements”) (other than any representation or warranty expressly made as of a date prior to the date hereof) are true and correct on and as of the date hereof,
with the same effect as though such representation or warranty had been made on and as of the date hereof; 

  

	 	2.	no default under any of the Specified Agreements and no event or any condition which, with notice or lapse of time or both, would become a default, has occurred and is continuing as
of the date hereof; 

  

	 	3.	GLAIC has performed and complied with, in all material respects, all of the agreements, covenants, obligations and conditions applicable to GLAIC required by the Specified
Agreements to be performed or complied with by GLAIC on or before the date hereof; 

  

	 	4.	the Registration Statement filed on Form S-3 (File No. 333-128718) (the “Registration Statement”) by GLAIC has been declared effective by the Securities and Exchange
Commission (the “Commission”) under the Securities Act of 1933, as amended (the “Act”) and no stop order suspending the effectiveness of the Registration Statement has been issued and no proceedings for that purpose have been
commenced by or are pending before or contemplated by the Commission; 

  

	 	5.	all filings, if any, required by Rule 424 and Rule 430A under the Act have been made in a timely manner; 

  

	 	 6.
	 since [l]1, the Trusts organized in connection with the program contemplated by the Registration Statement have issued the following series of Notes:

 [List each series of Notes] [(collectively, the “Designated Notes”)]; and 
  

	 	7.	the Funding Agreements issued in connection with the Designated Notes have been executed and delivered by GLAIC in accordance with the terms and conditions of the Program Documents.

  

	 1
	 This certificate to be signed quarterly. 

  

 D-1 

 Capitalized terms used herein and not otherwise defined herein shall have the meanings set forth in the
Standard Indenture Terms attached as Exhibit 4.1 to the Registration Statement. 
 IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of the [l] day of [l]
200[l]. 
  

			
	[Name], in [his/her] capacity as an authorized officer of Genworth Life and Annuity Insurance Company
		
	By:	 	 
	Name:	 	
	Title:	 	

  

 D-2 

 EXHIBIT E 
 Genworth Global Funding Trusts 
 Trustee Officer’s Certificate 
 U.S. Bank National Association, not in its individual capacity but solely in its capacity as trustee acting on behalf of each common law trust organized
under the laws of the State of Illinois (in such capacity, the “Trustee,” and each such common law trust being referred to herein as a “Trust”) in connection with the program contemplated by the Registration Statement filed on
Form S-3 (File No. 333-128718) by Genworth Life and Annuity Insurance Company with the Securities and Exchange Commission (the “Commission”) on September 30, 2005, as amended by Amendment No. 1, filed with the Commission on
December 8, 2005 (the “Registration Statement”), does hereby certify to Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies, Inc., in such capacity and on behalf of each Trust, to the knowledge of
the Trustee without any independent investigation, that; as of October 1, 2006: 
  

	 	1.	each of the representations and warranties of each Trust contained in the Notes issued in connection with the Program, each Indenture entered into in connection with the
Registration Statement and the Expense and Indemnity Agreement concerning the Trusts (the “Specified Agreements”) (other than any representation or warranty expressly made as of a date prior to the date hereof) are true and correct on and
as of the date hereof, with the same effect as though such representation or warranty had been made on and as of the date hereof; 

  

	 	2.	no default under any of the Specified Agreements and no event or any condition which, with notice or lapse of time or both, would become a default, has occurred and is continuing as
of the date hereof; 

  

	 	3.	each Trust has performed and complied with, in all material respects, all of the agreements, covenants, obligations and conditions applicable to such Trust required by the Specified
Agreements to be performed or complied with by such Trust on or before the date hereof; 

  

	 	4.	the Notes issued in connection with the Program have been issued, in all material respects, in accordance with the terms and conditions of the Program Documents; and

  

	 	5.	each Funding Agreement has been executed and delivered by the related Trust in accordance with the terms and conditions of the Program Documents. 

 Capitalized terms used herein and not otherwise defined herein shall have the meanings set forth in the Standard Indenture Terms attached as Exhibit 4.1
to the Registration Statement. In no event shall U.S. Bank National Association in its personal corporate capacity (or any officer of the Trustee in his or her personal capacity) have any liability for any of the certifications or statements
contained in this Trustee Officer’s Certificate, such liability being solely that of each Trust. 
  

 E-1 

 IN WITNESS WHEREOF, the undersigned has executed this Certificate as of the [l] day of [l] 200[l]. 
  

			
	U.S. Bank National Association, not in its individual capacity but solely in its capacity as Trustee acting on behalf of each Trust
		
	By:	 	 
	Name:	 	
	Title:	 	

  

 E-2 

 SCHEDULE I 
 Terms Agreement Specifications 
 In connection with Section 3(a)(iv) of the Distribution Agreement, the Program under
which the Notes are issued is rated Aa3 by Moody’s Investors Service, Inc. (“Moody’s”) and AA- by Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies, Inc. (“S&P”). Genworth Life
and Annuity Insurance Company (“GLAIC”) expects that the Notes will be rated Aa3 by Moody’s and AA- by S&P. GLAIC’s financial strength rating is Aa3 by Moody’s and AA- by S&P. 
 In accordance with Section 2.02(b) of the Terms Agreement and in connection with the purchase of Notes from the Trust by the Agent, the following items will be
delivered on or prior to the Settlement Date to the Agent: None. 
 All capitalized terms used herein and not otherwise defined herein will
have the meanings set forth in the Distribution Agreement. 
  

 I-1Exhibit 4.2

 Exhibit 4.2 
 THIS NOTE IS A GLOBAL NOTE WITHIN THE MEANING OF THE INDENTURE (HEREINAFTER DEFINED) AND IS REGISTERED IN THE NAME OF A DEPOSITARY (AS DEFINED IN THE INDENTURE) OR A NOMINEE OF A DEPOSITARY. THIS NOTE IS NOT EXCHANGEABLE FOR NOTES
REGISTERED IN THE NAME OF A PERSON OTHER THAN THE DEPOSITARY OR ITS NOMINEE EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE, AND NO TRANSFER OF THIS NOTE (OTHER THAN A TRANSFER OF THIS NOTE AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF
THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY) MAY BE REGISTERED EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 
 UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUST (HEREINAFTER DEFINED) OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT, AND UNLESS ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR SUCH OTHER ENTITY AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
  

			
	 CUSIP No.: 37248JAC6
	  	 Principal Amount: U.S. $1,307,000.00

	 ISIN No.: US37248JAC6
	  	

 GENWORTH GLOBAL FUNDING TRUST 2007-3 
 GENWORTH DIRECTNOTESSM 
  

			
	 Original Issue Date: December 13, 2007
	  	Floating Rate Note: [    ] Yes [X] No. If yes,
		
	 Issue Price: 100.00%
	  	 Floating Rate Notes [    ]

		
	 Stated Maturity Date: December 15, 2027
	  	 Floating Rate/Fixed Rate Notes [    ]

		
	 Settlement Date: December 13, 2007
	  	 Fixed Rate/Floating Rate Notes [    ]

		
	 Securities Exchange Listing: [ ] Yes [X] No. If yes, indicate name(s) of Securities Exchange(s):
                                        .

	  	 Inverse Floating Rate Notes [    ]

		
	 Depositary: The Depository Trust Company
	  	 Interest Rate Basis(es):

		
	Authorized Denominations: $1,000 and any integral multiple of $1,000 in excess thereof	  	 LIBOR [    ]

		
	 Collateral held in the Trust: Genworth Life and Annuity Insurance Company Funding Agreement No. GS-R6014, all proceeds of the Funding
Agreement and all
	  	 [    ] LIBOR Reuters:

		
		  	 LIBOR Currency:

		
		  	 CMT Rate [    ]

		
		  	 CD Rate [    ]

		
		  	 Commercial Paper Rate [    ]

			
	 amounts and instruments on deposit from time to time in the related collection account and all books and records pertaining to the foregoing.
	  	 Prime Rate [    ]

		
	Interest Rate or Formula:	  	 Treasury Rate [    ]

		
	Fixed Rate Notes: [X] Yes [    ] No. If yes,	  	 Index Maturity:

		
	 Interest Rate: 5.75%
	  	 Spread and/or Spread Multiplier:

		
	 Interest Payment Frequency: Semi-annual
	  	 Initial Interest Rate, if any:

		
	 Interest Payment Dates: The 15th day of each June and December of
each year, provided, however, that the first Interest Payment Date shall be June 15, 2008; provided, further, that the final Interest Payment Date shall be the Stated Maturity Date.
	  	 Initial Interest Reset Date:

		
	 Day Count Convention: As indicated on the reverse hereof.
	  	 Interest Reset Dates:

		
	 Additional/Other Terms: Not applicable
	  	 Interest Determination Date(s):

		
	 Discount Notes: [    ] Yes [ X ] No. If yes,
	  	
		
	 Total Amount of Discount:
	  	 Interest Payment Dates:

		
	 Initial Accrual Period of Discount:
	  	 Maximum Interest Rate, if any:

		
	 Interest Payment Dates:
	  	 Minimum Interest Rate, if any:

		
	 Additional/Other Terms:
	  	 Fixed Rate Commencement Date, if any:

		
	 Redemption Provisions: [X] Yes [    ] No. If yes,
	  	 Floating Rate Commencement Date, if any:

		
	 Initial Redemption Date: December 15, 2011
	  	 Fixed Interest Rate, if any:

		
	 Initial Redemption Percentage: 100.00%
	  	 Day Count Convention:

		
	 Annual Redemption Percentage Reduction, if any: Not applicable
	  	 Additional/Other Terms:

		
	 Additional/Other Terms: Notwithstanding anything to the contrary in Section 4 of the reverse hereof, notice of any such redemption will be given not more than
seventy-five (75) and not less than thirty (30) calendar days prior to the date of such redemption.
	  	 Regular Record Date(s): 15 calendar days prior to the Interest Payment Date

		
	 Repayment Provisions: [    ] Yes [X] No. If yes,
	  	 Sinking Fund: Not applicable

		
	 Repayment Date(s):
	  	 Calculation Agent, if any: Not applicable

		
	 Repayment Price:
	  	 Additional/Other Terms: Not applicable

		
	 Additional/Other Terms:
	  	 Survivor’s Option: [X] Yes [    ] No.

		
		  	 If yes, the attached Survivor’s Option Rider is incorporated into this Note.

		
		  	 Trust Put Limitation: [X] 1%; or
$                        

		
		  	

 The Genworth Global Funding Trust designated above (the “Trust”), for value received,
hereby promises to pay to Cede & Co., or its registered assigns, the Principal Amount specified above on the Stated Maturity Date specified above and, if so specified above, to pay interest thereon from the Original Issue Date specified
above or from the most recent Interest Payment Date specified above to which interest has been paid or duly provided for at the rate per annum determined in accordance with the provisions on the reverse hereof and as specified above, until the
principal hereof is paid or made available for payment. Payments of principal, premium, if any, and interest hereon will be made in the lawful currency of the United States of America (“U.S. Dollars” or “United States Dollars”).
The “Principal Amount” of this Note at any time 
  

 2 

 
means (1) if this Note is a Discount Note (as hereinafter defined), the Amortized Face Amount (as hereinafter defined) at such time and (2) in all
other cases, the Principal Amount hereof. Capitalized terms not otherwise defined herein shall have their meanings set forth in the Indenture, dated as of the Original Issue Date (the “Indenture”), between The Bank of New York Trust
Company, N.A., as the indenture trustee (the “Indenture Trustee”), and the Trust, or on the face hereof. 
 This Note will mature
on the Stated Maturity Date, unless its principal (or any installment of its principal) becomes due and payable prior to the Stated Maturity Date, whether, as applicable, by the declaration of acceleration of maturity, notice of redemption by the
Trust or otherwise (the Stated Maturity Date or any date prior to the Stated Maturity Date on which this Note becomes due and payable, as the case may be, is referred to as the “Maturity Date”). 
 A “Discount Note” is any Note that has an Issue Price that is less than 100% of the Principal Amount thereof by more than a percentage equal to
the product of 0.25% and the number of full years to the Stated Maturity Date. 
 Unless otherwise specified above, the interest payable on
each Interest Payment Date or the Maturity Date will be the amount of interest accrued from and including the Original Issue Date or from and including the last Interest Payment Date to which interest has been paid or duly provided for, as the case
may be, to, but excluding, such Interest Payment Date or the Maturity Date, as the case may be. 
 Unless otherwise specified above, the interest payable on any Interest Payment Date will be paid to the Person that was the Holder on the Regular Record Date for such Interest Payment Date, which Regular Record Date
shall be the fifteenth (15th) calendar day, whether or not a Business Day, immediately preceding the related Interest Payment Date; provided
that, notwithstanding any provision of the Indenture to the contrary, interest payable on any Maturity Date shall be payable to the Person to whom principal shall be payable; and provided, further, that unless otherwise specified above, in
the case of a Note initially issued between a Regular Record Date and the Interest Payment Date relating to such Regular Record Date, interest for the period beginning on the Original Issue Date and ending on such Interest Payment Date shall be paid
on the Interest Payment Date following the next succeeding Regular Record Date to the Holder on such next succeeding Regular Record Date. 
 Payments of principal and premium, if any, and interest and other amounts due and owing, if any, will be made through the Indenture Trustee to the account of DTC or its nominee and will be made in accordance with depositary arrangements
with DTC. 
 Unless otherwise specified on the face hereof, the Holder hereof will not be obligated to pay any administrative costs imposed
by banks in making payments in immediately available funds by the Trust. Any tax assessment or governmental charge imposed upon payments hereunder, including, without limitation, any withholding tax, will be borne by the Holder hereof. 

 

 3 

 REFERENCE IS HEREBY MADE TO THE FURTHER PROVISIONS OF THIS NOTE SET FORTH ON THE REVERSE HEREOF. SUCH
FURTHER PROVISIONS SHALL FOR ALL PURPOSES HAVE THE SAME EFFECT AS IF SET FORTH AT THIS PLACE. 
 Unless the certificate of authentication
hereon shall have been executed by the Indenture Trustee pursuant to the Indenture, this Note shall not be entitled to any benefit under such Indenture or be valid or obligatory for any purpose. 
  

 4 

 IN WITNESS WHEREOF, the Trust has caused this instrument to be duly executed, by manual or facsimile
signature. 
  

									
		 		 	THE GENWORTH GLOBAL FUNDING TRUST SPECIFIED ON THE FACE OF THIS NOTE
				
		 	Dated: December 13, 2007	 		 	 By: U.S. Bank National Association, not in its individual
 capacity but solely as Trustee

					
		 		 		 	By:	 	/s/ Patricia M. Child
		 		 		 		 	Authorized Officer

 CERTIFICATE OF AUTHENTICATION 
 This is one of the Notes of the Genworth Global Funding Trust specified on the face of this Note referred to in the within-mentioned Indenture.

  

									
		 		 		 	THE BANK OF NEW YORK TRUST COMPANY, N.A.,
as Indenture Trustee
			
	Dated: December 13, 2007	 		 	
					
		 		 		 	By:	 	/s/ R. Tarnas
		 		 		 		 	Authorized Signatory

  

 5 

 [REVERSE FORM OF NOTE] 
 Section 1. General. This Note is one of a duly authorized issue of Notes of the Trust. The Notes are issued pursuant to the Indenture. 
 Section 2. Currency. This Note is denominated in, and payments of principal, premium, if any, and/or interest, if any, will be made in U.S. Dollars. 
 Section 3. Determination of Interest Rate and Certain Other Terms. 
 (a) Fixed Rate Notes. If this Note is specified on the face hereof as a “Fixed Rate Note”: 
 (i) This Note will bear interest at the rate per annum specified on the face hereof. Interest on this Note will be computed on the basis of a 360-day year of twelve 30-day months. 
 (ii) Unless otherwise specified on the face hereof, the Interest Payment Dates for this Note will be as follows: 
  

			
	 Interest Payment Frequency
	  	 Interest Payment Dates

	Monthly	  	Fifteenth day of each calendar month, beginning in the first calendar month following the month this Note was issued.
		
	Quarterly	  	Fifteenth day of each March, June, September and December, beginning on the first such date following the date this Note was issued.
		
	Semi-annual	  	Fifteenth day of the two months of each year specified on the face hereof, beginning on the first such date following the date this Note was issued.
		
	Annual	  	Fifteenth day of the month of each year specified on the face hereof, beginning on the first such date following the date this Note was issued.

 (iii) Unless otherwise specified on the face hereof, if any Interest Payment Date or the Maturity
Date of this Note falls on a day that is not a Business Day, the Trust will make the required payment of principal, premium, if any, and/or interest or other amounts on the next succeeding Business Day, and no additional interest will accrue in
respect of the payment made on that next succeeding Business Day. 
  

 6 

 (b) Floating Rate Notes. If this Note is specified on the face hereof as a “Floating Rate
Note”: 
 (i) Interest Rate Basis. As specified on the face hereof, interest on this Note will be determined by reference to the
applicable Interest Rate Basis or Interest Rate Bases, which may, as described below, include the CD Rate, the CMT Rate, the Commercial Paper Rate, LIBOR, the Prime Rate or the Treasury Rate (each as defined below). 
 (ii) Effective Rate. The rate derived from the applicable Interest Rate Basis or Interest Rate Bases will be determined in accordance with the
related provisions below. The interest rate in effect on each day will be based on: (1) if that day is an Interest Reset Date, the rate determined as of the Interest Determination Date immediately preceding that Interest Reset Date; or
(2) if that day is not an Interest Reset Date, the rate determined as of the Interest Determination Date immediately preceding the most recent Interest Reset Date. 
 (iii) Spread; Spread Multiplier; Index Maturity. The “Spread” is the number of basis points (one one-hundredth of a percentage point) specified on the face hereof to be added to or subtracted from the
related Interest Rate Basis or Interest Rate Bases applicable to this Note. The “Spread Multiplier” is the percentage specified on the face hereof of the related Interest Rate Basis or Interest Rate Bases applicable to this Note by which
the Interest Rate Basis or Interest Rate Bases will be multiplied to determine the applicable interest rate. The “Index Maturity” is the period to maturity of the instrument or obligation with respect to which the related Interest Rate
Basis or Interest Rate Bases will be calculated. 
 (iv) Floating Rate Note. Unless this Note is specified on the face hereof as a
Floating Rate/Fixed Rate Note or a Fixed Rate/Floating Rate Note, this Note (a “Floating Rate Note”) will bear interest at the rate determined by reference to the applicable Interest Rate Basis or Interest Rate Bases: (1) plus or
minus the applicable Spread, if any; and/or (2) multiplied by the applicable Spread Multiplier, if any; provided, however, that interest on this Note will not be less than zero. Commencing on the first Interest Reset Date, the
rate at which interest on this Floating Rate Note is payable will be reset as of each Interest Reset Date; provided, however, that the interest rate in effect for the period, if any, from the Original Issue Date to the first Interest Reset
Date will be the Initial Interest Rate. 
 (v) Floating Rate/Fixed Rate Notes. If this Note is specified on the face hereof as a
“Floating Rate/Fixed Rate Note”, this Note will bear interest at the rate determined by reference to the applicable Interest Rate Basis or Interest Rate Bases: (1) plus or minus the applicable Spread, if any; and/or
(2) multiplied by the applicable Spread Multiplier, if any; provided, however, that interest on this Note will not be less than zero. Commencing on the first Interest Reset Date, the rate at which this Floating Rate/Fixed Rate
Note is payable will be reset as of each Interest Reset Date; provided, however, that: (A) the interest rate in effect for the period, if any, from the Original Issue Date to the first Interest Reset Date will be the Initial Interest
Rate specified on the face hereof; and (B) the interest rate in effect commencing on the Fixed Rate Commencement Date will be the Fixed Interest Rate, if specified on the face hereof, or, if not so specified, the interest rate in effect on the
day immediately preceding the Fixed Rate Commencement Date. 
  

 7 

 (vi) Fixed Rate/Floating Rate Notes. If this Note is specified on the face hereof as a “Fixed
Rate/Floating Rate Note”, this Note will bear interest at the rate per annum specified on the face hereof as the Fixed Interest Rate; provided, however, that commencing on the Floating Rate Commencement Date, this Note will bear interest
at the rate determined by reference to the applicable Interest Rate Basis or Interest Rate Bases: (1) plus or minus the applicable Spread, if any; and/or (2) multiplied by the applicable Spread Multiplier, if any; provided,
however, that interest on this Note will not be less than zero. Commencing on the first Interest Reset Date, the rate at which this Fixed Rate/Floating Rate Note is payable will be reset as of each Interest Reset Date. 
 (vii) Interest Reset Dates. The period between Interest Reset Dates will be the “Interest Period.” Unless otherwise specified on the face
hereof, the Interest Reset Dates will be, in the case of this Floating Rate Note if by its terms it resets: (1) daily—each business day; (2) weekly—the Wednesday of each week, with the exception of any weekly reset Floating Rate
Note as to which the Treasury Rate is an applicable Interest Rate Basis, which will reset the Tuesday of each week; (3) monthly—the fifteenth day of each calendar month; (4) quarterly—the fifteenth day of March, June, September
and December of each year; (5) semi-annually—the fifteenth day of the two months of each year specified on the face hereof; and (6) annually—the fifteenth day of the month of each year specified on the face hereof; provided,
however, that, with respect to a Floating Rate/Fixed Rate Note, the rate of interest thereon will not reset after the particular Fixed Rate Commencement Date. If any Interest Reset Date for this Floating Rate Note would otherwise be a day that
is not a Business Day, the particular Interest Reset Date will be postponed to the next succeeding Business Day, except that in the case of a Floating Rate Note as to which LIBOR is an applicable Interest Rate Basis and that Business Day falls in
the next succeeding calendar month, the particular Interest Reset Date will be the immediately preceding Business Day. 
 (viii) Interest
Determination Dates. Unless otherwise specified on the face hereof, the interest rate applicable to a Floating Rate Note for an Interest Period commencing on the related Interest Reset Date will be determined by reference to the applicable
Interest Rate Basis as of the particular “Interest Determination Date”, which will be: (1) with respect to the Commercial Paper Rate and the Prime Rate—the Business Day immediately preceding the related Interest Reset Date;
(2) with respect to the CD Rate and the CMT Rate—the second Business Day preceding the related Interest Reset Date; (3) with respect to LIBOR—the second London Banking Day (as defined below) preceding the related Interest Reset
Date; and (4) with respect to the Treasury Rate—the day of the week in which the related Interest Reset Date falls on which day Treasury Bills (as defined below) are normally auctioned (i.e., Treasury Bills are normally sold at auction on
Monday of each week, unless that day is a legal holiday, in which case the auction is normally held on the following Tuesday, except that the auction may be held on the preceding Friday); 

  

 8 

 
provided, however, that if an auction is held on the Friday of the week preceding the related Interest Reset Date, the Interest Determination Date
will be the preceding Friday. Unless otherwise specified on the face hereof, the Interest Determination Date pertaining to a Floating Rate Note, the interest rate of which is determined with reference to two or more Interest Rate Bases, will be the
latest Business Day which is at least two Business Days before the related Interest Reset Date for the applicable Floating Rate Note on which each Interest Reset Basis is determinable. “London Banking Day” means a day on which commercial
banks are open for business (including dealings in the LIBOR Currency as hereinafter defined) in London. 
 (ix) Calculation Dates. The
interest rate applicable to each Interest Period will be determined by the Calculation Agent on or prior to the Calculation Date (as defined below), except with respect to LIBOR, which will be determined on the particular Interest Determination
Date. Upon request of the Holder of a Floating Rate Note, the Calculation Agent will disclose the interest rate then in effect and, if determined, the interest rate that will become effective as a result of a determination made for the next
succeeding Interest Reset Date with respect to such Floating Rate Note. The “Calculation Date”, if applicable, pertaining to any Interest Determination Date will be the earlier of: (1) the tenth calendar day after the particular
Interest Determination Date or, if such day is not a Business Day, the next succeeding Business Day; or (2) the Business Day immediately preceding the applicable Interest Payment Date or the Maturity Date, as the case may be. 
 (x) Maximum or Minimum Interest Rate. If specified on the face hereof, this Note may have either or both of a Maximum Interest Rate or a Minimum
Interest Rate. If a Maximum Interest Rate is so designated, the interest rate for a Floating Rate Note cannot ever exceed such Maximum Interest Rate and in the event that the interest rate on any Interest Reset Date would exceed such Maximum
Interest Rate (as if no Maximum Interest Rate were in effect) then the interest rate on such Interest Reset Date shall be the Maximum Interest Rate. If a Minimum Interest Rate is so designated, the interest rate for a Floating Rate Note cannot ever
be less than such Minimum Interest Rate and in the event that the interest rate on any Interest Reset Date would be less than such Minimum Interest Rate (as if no Minimum Interest Rate were in effect) then the interest rate on such Interest Reset
Date shall be the Minimum Interest Rate. Notwithstanding anything to the contrary contained herein, the interest rate on a Floating Rate Note shall not exceed the maximum interest rate permitted by applicable law. 
 (xi) Interest Payments. Unless otherwise specified on the face hereof, the Interest Payment Dates will be, in the case of a Floating Rate Note
which resets: (1) daily, weekly or monthly—the fifteenth day of each calendar month; (2) quarterly—the fifteenth day of March, June, September and December of each year; (3) semi-annually—the fifteenth day of the two
months of each year specified on the face hereof; and (4) annually—the fifteenth day of the month of each year as specified on the face hereof. In addition, the Maturity Date will also be an Interest Payment Date. If any Interest Payment
Date other than the Maturity Date for this Floating Rate Note would otherwise be a day that is not a Business Day, such Interest Payment Date will 

  

 9 

 
be postponed to the next succeeding Business Day, except that in the case of a Floating Rate Note as to which LIBOR is an applicable Interest Rate Basis and
that Business Day falls in the next succeeding calendar month, the particular Interest Payment Date will be the immediately preceding Business Day. If the Maturity Date of a Floating Rate Note falls on a day that is not a Business Day, the Trust
will make the required payment of principal, premium, if any, and interest, if any, or other amounts on the next succeeding Business Day, and no additional interest will accrue in respect of the payment made on that next succeeding Business Day.

 (xii) Rounding. Unless otherwise specified on the face hereof, all percentages resulting from any calculation on this Floating Rate
Note will be rounded to the nearest one hundred-thousandth of a percentage point, with five one-millionths of a percentage point rounded upwards. All dollar amounts used in or resulting from any calculation on this Floating Rate Note will be rounded
to the nearest cent. 
 (xiii) Interest Factor. With respect to this Floating Rate Note, accrued interest is calculated by multiplying
the principal amount of such Note by an accrued interest factor. The accrued interest factor is computed by adding the interest factor calculated for each day in the particular Interest Period. Unless otherwise specified on the face hereof, the
interest factor for each day will be computed by dividing the interest rate applicable to such day by 360, in the case of a Floating Rate Note as to which the CD Rate, the Commercial Paper Rate, LIBOR or the Prime Rate is an applicable Interest Rate
Basis, or by the actual number of days in the year, in the case of a Floating Rate Note as to which the CMT Rate or the Treasury Rate is an applicable Interest Rate Basis. The interest factor for a Floating Rate Note as to which the interest rate is
calculated with reference to two or more Interest Rate Bases will be calculated in each period in the same manner as if only the applicable Interest Rate Basis specified above applied. 
 (xiv) Determination of Interest Rate Basis. The Calculation Agent shall determine the rate derived from each Interest Rate Basis in accordance with
the following provisions: 
 (A) CD Rate Notes. If the Interest Rate Basis is the CD Rate, this Note shall be deemed a “CD Rate
Note.” Unless otherwise specified on the face hereof, “CD Rate” means: (1) the rate on the particular Interest Determination Date for negotiable United States Dollar certificates of deposit having the Index Maturity specified on
the face hereof as published in H.15(519) (as defined below) under the caption “CDs (secondary market)”; or (2) if the rate referred to in clause (1) is not so published by 3:00 P.M., New York City time, on the related
Calculation Date, the rate on the particular Interest Determination Date for negotiable United States Dollar certificates of deposit of the particular Index Maturity as published in H.15 Daily Update (as defined below), or other recognized
electronic source used for the purpose of displaying the applicable rate, under the caption “CDs (secondary market)”; or (3) if the rate referred to in clause (2) is not so published by 3:00 P.M., New York City time, on the
related Calculation Date, the rate on the particular Interest Determination Date calculated by the Calculation Agent as 

  

 10 

 
the arithmetic mean of the secondary market offered rates as of 10:00 A.M., New York City time, on that Interest Determination Date, of three leading
non-bank dealers in negotiable United States Dollar certificates of deposit in New York City (which may include the purchasing agent or its affiliates) selected by the Calculation Agent for negotiable United States Dollar certificates of deposit of
major United States money market banks for negotiable United States certificates of deposit with a remaining maturity closest to the particular Index Maturity in an amount that is representative for a single transaction in that market at that time;
or (4) if the dealers so selected by the Calculation Agent are not quoting as mentioned in clause (3), the CD Rate in effect on the particular Interest Determination Date. “H.15(519)” means the weekly statistical release designated as
H.15(519), or any successor publication, published by the Board of Governors of the Federal Reserve System. “H.15 Daily Update” means the daily update of H.15(519), available through the world-wide-web site of the Board of Governors of the
Federal Reserve System at http://www.federalreserve.gov/releases/H15/ update, or any successor site or publication. 
 (B) CMT Rate
Notes. If the Interest Rate Basis is the CMT Rate, this Note shall be deemed a “CMT Rate Note.” Unless otherwise specified on the face hereof, “CMT Rate” means: 
  

	 	(1)	if CMT Moneyline Telerate Page 7051 is specified on the face hereof: 

  

	 	i.	the percentage equal to the yield for United States Treasury securities at “constant maturity” having the Index Maturity specified on the face hereof as published in
H.15(519) under the caption “Treasury Constant Maturities”, as the yield is displayed on Moneyline Telerate (or any successor service) on page 7051 (or any other page as may replace the specified page on that service) (“Moneyline
Telerate Page 7051”), for the particular Interest Determination Date; or 

  

	 	ii.	if the rate referred to in clause (i) does not so appear on Moneyline Telerate Page 7051, the percentage equal to the yield for United States Treasury securities at
“constant maturity” having the particular Index Maturity and for the particular Interest Determination Date as published in H.15(519) under the caption “Treasury Constant Maturities”; or 

  

	 	iii.	if the rate referred to in clause (ii) does not so appear in H.15(519), the rate on the particular Interest Determination Date for the period of the particular Index Maturity
as may then be published by either the Federal Reserve System Board of Governors or the United States Department of the Treasury that the Calculation Agent determines to be comparable to the rate which would otherwise have been published in
H.15(519); or 

  

 11 

	 	iv.	if the rate referred to in clause (iii) is not so published, the rate on the particular Interest Determination Date calculated by the Calculation Agent as a yield to maturity
based on the arithmetic mean of the secondary market bid prices at approximately 3:30 P.M., New York City time, on that Interest Determination Date of three leading primary United States government securities dealers in New York City (which may
include the purchasing agent or its affiliates) (each, a “Reference Dealer”) selected by the Calculation Agent from five Reference Dealers selected by the Calculation Agent and eliminating the highest quotation, or, in the event of
equality, one of the highest, and the lowest quotation or, in the event of equality, one of the lowest, for United States Treasury securities with an original maturity equal to the particular Index Maturity, a remaining term to maturity no more than
one year shorter than that Index Maturity and in a principal amount that is representative for a single transaction in the securities in that market at that time; or 

  

	 	v.	if fewer than five but more than two of the prices referred to in clause (iv) are provided as requested, the rate on the particular Interest Determination Date calculated by
the Calculation Agent based on the arithmetic mean of the bid prices obtained and neither the highest nor the lowest of the quotations shall be eliminated; or 

  

	 	vi.	if fewer than three prices referred to in clause (iv) are provided as requested, the rate on the particular Interest Determination Date calculated by the Calculation Agent as a
yield to maturity based on the arithmetic mean of the secondary market bid prices as of approximately 3:30 P.M., New York City time, on that Interest Determination Date of three Reference Dealers selected by the Calculation Agent from five Reference
Dealers selected by the Calculation Agent and eliminating the highest quotation or, in the event of equality, one of the highest and the lowest quotation or, in the event of equality, one of the lowest, for United States Treasury securities with an
original maturity greater than the particular Index Maturity, a remaining term to maturity closest to that Index Maturity and in a principal amount that is representative for a single transaction in the securities in that market at that time; or

  

	 	vii.	if fewer than five but more than two prices referred to in clause (vi) are provided as requested, the rate on the particular Interest Determination Date calculated by the
Calculation Agent based on the arithmetic mean of the bid prices obtained and neither the highest nor the lowest of the quotations will be eliminated; or 

  

 12 

	 	viii.	if fewer than three prices referred to in clause (vi) are provided as requested, the CMT Rate in effect on the particular Interest Determination Date; or

  

	 	(2)	if CMT Moneyline Telerate Page 7052 is specified on the face hereof: 

  

	 	i.	the percentage equal to the one-week or one-month, as specified on the face hereof, average yield for United States Treasury securities at “constant maturity” having the
Index Maturity specified on the face hereof as published in H.15(519) opposite the caption “Treasury Constant Maturities”, as the yield is displayed on Moneyline Telerate (or any successor service) (on page 7052 or any other page as may
replace the specified page on that service) (“Moneyline Telerate Page 7052”), for the week or month, as applicable, ended immediately preceding the week or month, as applicable, in which the particular Interest Determination Date falls; or

  

	 	ii.	if the rate referred to in clause (i) does not so appear on Moneyline Telerate Page 7052, the percentage equal to the one-week or one-month, as specified on the face hereof,
average yield for United States Treasury securities at “constant maturity” having the particular Index Maturity and for the week or month, as applicable, preceding the particular Interest Determination Date as published in H.15(519)
opposite the caption “Treasury Constant Maturities”; or 

  

	 	iii.	if the rate referred to in clause (ii) does not so appear in H.15(519), the one-week or one-month, as specified on the face hereof, average yield for United States Treasury
securities at “constant maturity” having the particular Index Maturity as otherwise announced by the Federal Reserve Bank of New York for the week or month, as applicable, ended immediately preceding the week or month, as applicable, in
which the particular Interest Determination Date falls; or 

  

	 	iv.	 if the rate referred to in clause (iii) is not so published, the rate on the particular Interest Determination Date calculated by the Calculation Agent as a
yield to maturity based on the arithmetic mean of the secondary market bid prices at approximately 3:30 P.M., New York City time, on that Interest Determination Date of three Reference Dealers selected by the Calculation Agent from five Reference
Dealers selected by the Calculation Agent and eliminating the highest quotation, or, in the event of equality, one of the highest, and the lowest quotation or, in the event of equality, one of the lowest, for United States Treasury securities with
an original maturity equal to the particular Index Maturity, a 

  

 13 

	 	 
remaining term to maturity no more than one year shorter than that Index Maturity and in a principal amount that is representative for a single transaction
in the securities in that market at that time; or 

  

	 	v.	if fewer than five but more than two of the prices referred to in clause (iv) are provided as requested, the rate on the particular Interest Determination Date calculated by
the Calculation Agent based on the arithmetic mean of the bid prices obtained and neither the highest nor the lowest of the quotations shall be eliminated; or 

  

	 	vi.	if fewer than three prices referred to in clause (iv) are provided as requested, the rate on the particular Interest Determination Date calculated by the Calculation Agent as a
yield to maturity based on the arithmetic mean of the secondary market bid prices as of approximately 3:30 P.M., New York City time, on that Interest Determination Date of three Reference Dealers selected by the Calculation Agent from five Reference
Dealers selected by the Calculation Agent and eliminating the highest quotation or, in the event of equality, one of the highest and the lowest quotation or, in the event of equality, one of the lowest, for United States Treasury securities with an
original maturity greater than the particular Index Maturity, a remaining term to maturity closest to that Index Maturity and in a principal amount that is representative for a single transaction in the securities in that market at the time; or

  

	 	vii.	if fewer than five but more than two prices referred to in clause (vi) are provided as requested, the rate on the particular Interest Determination Date calculated by the
Calculation Agent based on the arithmetic mean of the bid prices obtained and neither the highest nor the lowest of the quotations will be eliminated; or 

  

	 	viii.	if fewer than three prices referred to in clause (vi) are provided as requested, the CMT Rate in effect on that Interest Determination Date. 

 If two United States Treasury securities with an original maturity greater than the Index Maturity specified on the face hereof have remaining terms to
maturity equally close to the particular Index Maturity, the quotes for the United States Treasury security with the shorter original remaining term to maturity will be used. 
 (C) Commercial Paper Rate Notes. If the Interest Rate Basis is the Commercial Paper Rate, this Note shall be deemed a “Commercial Paper Rate
Note.” Unless otherwise specified on the face hereof, “Commercial Paper Rate” means: (1) the 

  

 14 

 
Money Market Yield (as defined below) on the particular Interest Determination Date of the rate for commercial paper having the Index Maturity specified on
the face hereof as published in H.15(519) under the caption “Commercial Paper—Nonfinancial”; or (2) if the rate referred to in clause (1) is not so published by 3:00 P.M., New York City time, on the related Calculation Date,
the Money Market Yield of the rate on the particular Interest Determination Date for commercial paper having the particular Index Maturity as published in H.15 Daily Update, or such other recognized electronic source used for the purpose of
displaying the applicable rate, under the caption “Commercial Paper—Nonfinancial”; or (3) if the rate referred to in clause (2) is not so published by 3:00 P.M., New York City time, on the related Calculation Date, the rate
on the particular Interest Determination Date calculated by the Calculation Agent as the Money Market Yield of the arithmetic mean of the offered rates at approximately 11:00 A.M., New York City time, on that Interest Determination Date of three
leading dealers of United States Dollar commercial paper in New York City (which may include the purchasing agent or its affiliates) selected by the Calculation Agent for commercial paper having the particular Index Maturity placed for industrial
issuers whose bond rating is “Aa”, or the equivalent, from a nationally recognized statistical rating organization; or (4) if the dealers so selected by the Calculation Agent are not quoting as mentioned in clause (3), the Commercial
Paper Rate in effect on the particular Interest Determination Date. “Money Market Yield” means a yield (expressed as a percentage) calculated in accordance with the following formula: 
  

									
		 	Money Market Yield =	 	        D x 360        	 	x 100	 	
		 		 	360 – (D x M)	 		 	

 where “D” refers to the applicable per annum rate for commercial paper quoted on a bank
discount basis and expressed as a decimal, and “M” refers to the actual number of days in the applicable Interest Period. 
 (D)
LIBOR Notes. If the Interest Rate Basis is LIBOR, this Note shall be deemed a “LIBOR Note.” Unless otherwise specified on the face hereof, “LIBOR” means: (1) if “LIBOR Moneyline Telerate” is specified on the
face hereof or if neither “LIBOR Reuters” nor “LIBOR Moneyline Telerate” is specified on the face hereof as the method for calculating LIBOR, the rate for deposits in the LIBOR Currency having the Index Maturity specified on the
face hereof, commencing on the related Interest Reset Date, that appears on the LIBOR Page (as defined below) as of 11:00 A.M., London time, on the particular Interest Determination Date; or (2) if “LIBOR Reuters” is specified on the
face hereof, the arithmetic mean of the offered rates, calculated by the Calculation Agent, or the offered rate, if the LIBOR Page by its terms provides only for a single rate, for deposits in the LIBOR Currency having the particular Index Maturity,
commencing on the related Interest Reset Date, that appear or appears, as the case may be, on the LIBOR Page as of 11:00 A.M., London time, on the particular Interest Determination Date; or (3) if fewer than two offered rates appear, or no rate
appears, as the case may be, on the particular Interest 

  

 15 

 
Determination Date on the LIBOR Page as specified in clause (1) or (2), as applicable, the rate calculated by the Calculation Agent of at least two
offered quotations obtained by the Calculation Agent after requesting the principal London offices of each of four major reference banks (which may include affiliates of the purchasing agent) in the London interbank market to provide the Calculation
Agent with its offered quotation for deposits in the LIBOR Currency for the period of the particular Index Maturity, commencing on the related Interest Reset Date, to prime banks in the London interbank market at approximately 11:00 A.M., London
time, on that Interest Determination Date and in a principal amount that is representative for a single transaction in the LIBOR Currency in that market at that time; or (4) if fewer than two offered quotations referred to in clause
(3) are provided as requested, the rate calculated by the Calculation Agent as the arithmetic mean of the rates quoted at approximately 11:00 A.M., in the applicable Principal Financial Center, on the particular Interest Determination Date by
three major banks (which may include affiliates of the purchasing agent) in that Principal Financial Center selected by the Calculation Agent for loans in the LIBOR Currency to leading European banks, having the particular Index Maturity and in a
principal amount that is representative for a single transaction in the LIBOR Currency in that market at that time; or (5) if the banks so selected by the Calculation Agent are not quoting as mentioned in clause (4), LIBOR in effect on the
particular Interest Determination Date. “LIBOR Currency” means the currency specified on the face hereof as to which LIBOR shall be calculated or, if no currency is specified on the face hereof, United States Dollars. “LIBOR
Page” means either: (1) if “LIBOR Reuters” is specified on the face hereof, the display on the Reuter Monitor Money Rates Service (or any successor service) on the page specified on the face hereof (or any other page as may
replace that page on that service) for the purpose of displaying the London interbank rates of major banks for the LIBOR Currency; or (2) if “LIBOR Moneyline Telerate” is specified on the face hereof or neither “LIBOR
Reuters” nor “LIBOR Moneyline Telerate” is specified on the face hereof as the method for calculating LIBOR, the display on Moneyline Telerate (or any successor service) on the page specified on the face hereof (or any other page as
may replace such page on such service) for the purpose of displaying the London interbank rates of major banks for the LIBOR Currency. 
 (E)
Prime Rate Notes. If the Interest Rate Basis is the Prime Rate, this Note shall be deemed a “Prime Rate Note.” Unless otherwise specified on the face hereof, “Prime Rate” means: (1) the rate on the particular Interest
Determination Date as published in H.15(519) under the caption “Bank Prime Loan”; or (2) if the rate referred to in clause (1) is not so published by 3:00 P.M., New York City time, on the related Calculation Date, the rate on the
particular Interest Determination Date as published in H.15 Daily Update, or such other recognized electronic source used for the purpose of displaying the applicable rate, under the caption “Bank Prime Loan”; or (3) if the rate
referred to in clause (2) is not so published by 3:00 P.M., New York City time, on the related Calculation Date, the rate on the particular Interest Determination Date calculated by the Calculation Agent as the arithmetic mean of the rates of
interest publicly announced by each bank that 

  

 16 

 
appears on the Reuters Screen US PRIME 1 Page (as defined below) as the applicable bank’s prime rate or base lending rate as of 11:00 A.M., New York
City time, on that Interest Determination Date; or (4) if fewer than four rates referred to in clause (3) are so published by 3:00 p.m., New York City time, on the related Calculation Date, the rate on the particular Interest Determination
Date calculated by the Calculation Agent as the arithmetic mean of the prime rates or base lending rates quoted on the basis of the actual number of days in the year divided by a 360-day year as of the close of business on that Interest
Determination Date by three major banks (which may include affiliates of the purchasing agent) in New York City selected by the Calculation Agent; or (5) if the banks so selected by the Calculation Agent are not quoting as mentioned in clause
(4), the Prime Rate in effect on the particular Interest Determination Date. “Reuters Screen US PRIME 1 Page” means the display on the Reuter Monitor Money Rates Service (or any successor service) on the “US PRIME 1” page (or any
other page as may replace that page on that service) for the purpose of displaying prime rates or base lending rates of major United States banks. 
 (F) Treasury Rate Notes. If the Interest Rate Basis is the Treasury Rate, this Note shall be deemed a “Treasury Rate Note.” Unless otherwise specified on the face hereof, “Treasury Rate” means: (1) the rate
from the auction held on the Interest Determination Date (the “Auction”) of direct obligations of the United States (“Treasury Bills”) having the Index Maturity specified on the face hereof under the caption “INVESTMENT
RATE” on the display on Moneyline Telerate (or any successor service) on page 56 (or any other page as may replace that page on that service) (“Moneyline Telerate Page 56”) or page 57 (or any other page as may replace that page on
that service) (“Moneyline Telerate Page 57”); or (2) if the rate referred to in clause (1) is not so published by 3:00 P.M., New York City time, on the related Calculation Date, the Bond Equivalent Yield (as defined below) of the
rate for the applicable Treasury Bills as published in H.15 Daily Update, or another recognized electronic source used for the purpose of displaying the applicable rate, under the caption “U.S. Government Securities/Treasury Bills/Auction
High”; or (3) if the rate referred to in clause (2) is not so published by 3:00 P.M., New York City time, on the related Calculation Date, the Bond Equivalent Yield of the auction rate of the applicable Treasury Bills as announced by
the United States Department of the Treasury; or (4) if the rate referred to in clause (3) is not so announced by the United States Department of the Treasury, or if the Auction is not held, the Bond Equivalent Yield of the rate on the
particular Interest Determination Date of the applicable Treasury Bills as published in H.15(519) under the caption “U.S. Government Securities/Treasury Bills/Secondary Market”; or (5) if the rate referred to in clause (4) is not
so published by 3:00 P.M., New York City time, on the related Calculation Date, the rate on the particular Interest Determination Date of the applicable Treasury Bills as published in H.15 Daily Update, or another recognized electronic source used
for the purpose of displaying the applicable rate, under the caption “U.S. Government Securities/Treasury Bills/Secondary Market”; or (6) if the rate referred to in clause (5) is not so published by 3:00 P.M., New York City time,
on the related Calculation Date, the rate on the 

  

 17 

 
particular Interest Determination Date calculated by the Calculation Agent as the Bond Equivalent Yield of the arithmetic mean of the secondary market bid
rates, as of approximately 3:30 P.M., New York City time, on that Interest Determination Date, of three primary United States government securities dealers (which may include the purchasing agent or its affiliates) selected by the Calculation Agent,
for the issue of Treasury Bills with a remaining maturity closest to the Index Maturity specified on the face hereof; or (7) if the dealers so selected by the Calculation Agent are not quoting as mentioned in clause (6), the Treasury Rate in
effect on the particular Interest Determination Date. “Bond Equivalent Yield” means a yield (expressed as a percentage) calculated in accordance with the following formula: 
  

									
		 	Bond Equivalent Yield =	 	        D x N        	 	x 100	 	
		 		 	360 – (D x M)	 		 	

 where “D” refers to the applicable per annum rate for Treasury Bills quoted on a bank
discount basis and expressed as a decimal, “N” refers to 365 or 366, as the case may be, and “M” refers to the actual number of days in the applicable Interest Period. 
  

	 	(c)	Discount Notes. If this Note is specified on the face hereof as a “Discount Note”: 

 (i) Principal and Interest. This Note will bear interest in the same manner as set forth in Section 3(a) above, and payments of principal and
interest shall be made as set forth on the face hereof. Discount Notes may not bear any interest currently or may bear interest at a rate that is below market rates at the time of issuance. The difference between the Issue Price of a Discount Note
and par is referred to as the “Discount”. 
 (ii) Redemption; Repayment; Acceleration. In the event a Discount Note is
redeemed, repaid or accelerated, the amount payable to the Holder of such Discount Note will be equal to the sum of: (A) the Issue Price (increased by any accruals of Discount); and (B) any unpaid interest accrued on such Discount Note to
the Maturity Date (“Amortized Face Amount”). Unless otherwise specified on the face hereof, for purposes of determining the amount of Discount that has accrued as of any date on which a redemption, repayment or acceleration of maturity
occurs for a Discount Note, a Discount will be accrued using a constant yield method. The constant yield will be calculated using a 30-day month, 360-day year convention, a compounding period that, except for the Initial Period (as defined below),
corresponds to the shortest period between Interest Payment Dates for the applicable Discount Note (with ratable accruals within a compounding period), a coupon rate equal to the initial coupon rate applicable to the applicable Discount Note and an
assumption that the maturity of such Discount Note will not be accelerated. If the period from the date of issue to the first Interest Payment Date for a Discount Note (the “Initial Period”) is shorter than the compounding period for such
Discount Note, a proportionate amount of the yield for an entire compounding period will be accrued. If the Initial Period is longer than the compounding period, then the period will be divided into a regular compounding period and a short period
with the short period being treated as provided above. 
  

 18 

 Section 4. Redemption. If no redemption right is set forth on the face hereof, this Note may not be
redeemed prior to the Stated Maturity Date, except as set forth in the Indenture or in Section 10 hereof. In the case of a Note that is not a Discount Note, if a redemption right is set forth on the face of this Note, the Trust shall elect to
redeem this Note on the Interest Payment Date after the Initial Redemption Date set forth on the face hereof on which the Funding Agreement is to be redeemed in whole or in part by Genworth Life and Annuity Insurance Company (“GLAIC”)
(each, a “Redemption Date”), in which case this Note must be redeemed on such Redemption Date in whole or in part, as applicable, prior to the Stated Maturity Date, in increments of $1,000 at the applicable Redemption Price (as defined
below), together with unpaid interest, if any, accrued thereon to, but excluding, the applicable Redemption Date. “Redemption Price” shall mean the unpaid Principal Amount of this Note to be redeemed. The unpaid Principal Amount of this
Note to be redeemed shall be determined by multiplying (1) the Outstanding principal amount of this Note by (2) the quotient derived by dividing (A) the outstanding principal amount of the Funding Agreement to be redeemed by GLAIC by
(B) the outstanding principal amount of the Funding Agreement. Notice must be given not more than seventy-five (75) nor less than forty-five (45) calendar days prior to the proposed Redemption Date. In the event of redemption of this
Note in part only, a new Note for the unredeemed portion hereof shall be issued in the name of the Holder hereof upon the surrender hereof. 
 Section 5. Sinking Funds. Unless specified on the face hereof, this Note will not be subject to, or entitled to the benefit of, any sinking fund. 
 Section 6. Repayment. If no repayment right is set forth on the face hereof, this Note may not be repaid at the option of the Holder hereof prior to the Stated Maturity Date. If a repayment right is
granted on the face of this Note, this Note may be subject to repayment at the option of the Holder on any Interest Payment Date on and after the date, if any, indicated on the face hereof (each, a “Repayment Date”). On any Repayment Date,
unless otherwise specified on the face hereof, this Note shall be repayable in whole or in part in increments of $1,000 at the option of the Holder hereof at a repayment price equal to 100% of the Principal Amount to be repaid, together with
interest thereon, if any, payable to the Repayment Date. For this Note to be repaid in whole or in part at the option of the Holder hereof, this Note must be received by the Indenture Trustee, with the form entitled “Option to Elect
Repayment”, below, duly completed not more than sixty (60) nor less than thirty (30) days prior to a Repayment Date. Exercise of such repayment option by the Holder hereof shall be irrevocable. In the event of a repayment of this Note
in part only, a new Note for the portion hereof not repaid shall be issued in the name of the Holder hereof upon the surrender hereof. 
 Section 7.
Modifications and Waivers. The Indenture contains provisions permitting the Trust and the Indenture Trustee (1) at any time and from time to time without notice to, or the consent of, the Holders of any Notes issued under the
Indenture to enter into one or more supplemental indentures for certain enumerated purposes and (2) with the consent of the Holders of a majority in aggregate principal amount of the Outstanding Notes affected thereby, to enter into one or more
supplemental indentures for the purpose of adding any provisions to, or changing in any manner or eliminating any of the provisions of, the Indenture or of modifying in any manner the 

  

 19 

 
rights of Holders of Notes under the Indenture; provided, that, with respect to certain enumerated provisions, no such supplemental indenture shall be
entered into without the consent of the Holder of each Note affected thereby. Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such Holder and upon all future Holders of this Note and of any Note issued upon
the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note or such other Notes. 
 Section 8. Obligations Unconditional. No reference herein to the Indenture and no provisions of this Note or of the Indenture shall impair the right of each Holder of any Note, which is absolute and
unconditional, to receive payment of the principal, and any interest on, and premium, if any, on, such Note on the respective Stated Maturity Date or redemption date thereof and to institute suit for the enforcement of any such payment, and such
rights shall not be impaired without the consent of such Holder. 
 Section 9. Events of Default. If an Event of Default with respect to
this Note shall occur and be continuing, the principal of, and all other amounts payable on, the Notes may be declared due and payable, or may be automatically accelerated, as the case may be, in the manner and with the effect provided in the
Indenture. In the event that this Note is a Discount Note, the amount of principal of this Note that becomes due and payable upon such acceleration shall be equal to the amount calculated as set forth in Section 3(c) hereof. 
 Section 10. Withholding; No Additional Amounts; Tax Event and Redemption. All amounts due on this Note will be made without any applicable withholding
or deduction for or on account of any present or future taxes, duties, levies, assessments or other governmental charges of whatever nature imposed or levied by or on behalf of any governmental authority, unless such withholding or deduction is
required by law. The Trust will not pay any additional amounts to the Holder of this Note in respect of such withholding or deduction, any such withholding or deduction will not give rise to an event of default or any independent right or obligation
to redeem this Note and the Holder will be deemed for all purposes to have received cash in an amount equal to the portion of such withholding or deduction that is attributable to such Holder’s interest in this Note as equitably determined by
the Trust. 
 If (1) a Tax Event (defined below) as to the Funding Agreement occurs and (2) GLAIC redeems the Funding Agreement in
whole, the Trust will redeem the Notes, subject to the terms and conditions of Section 2.04 of the Indenture, at a Redemption Price equal to the Outstanding principal amount of the Notes together with unpaid interest accrued thereon to
the applicable redemption date. “Tax Event” means that GLAIC shall have received an opinion of independent legal counsel stating in effect that as a result of (a) any amendment to, or change (including any announced prospective
change) in, the laws (or any regulations thereunder) of the United States or any political subdivision or taxing authority thereof or therein or (b) any amendment to, or change in, an interpretation or application of any such laws or
regulations by any governmental authority in the United States, which amendment or change is enacted, promulgated, issued or announced on or after the effective date of the Funding Agreement, there is more than an insubstantial risk that
(i) the Trust is, or will be within ninety (90) days of the date thereof, subject to U.S. federal income tax with respect to interest accrued or received on the Funding Agreement or (ii) the Trust is, or will be within ninety
(90) days of the date thereof, subject to more than a de minimis amount of taxes, duties or other governmental charges. 
  

 20 

 Section 11. Listing. Unless otherwise specified on the face hereof, this Note will not be listed on
any securities exchange. 
 Section 12. Collateral. The Collateral for this Note includes the Funding Agreement specified on the face
hereof. 
 Section 13. No Recourse Against Certain Persons. No recourse shall be had for the payment of any principal, interest or any
other sums at any time owing under the terms of this Note, or for any claim based hereon, or otherwise in respect hereof, or based on or in respect of the Indenture or any indenture supplemental thereto, against the Nonrecourse Parties, whether by
virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such personal liability being, by the acceptance hereof and as part of the consideration for issue hereof, expressly waived and
released. 
 Section 14. Miscellaneous. 
 (a) This Note is issuable only as a registered Note without coupons in denominations of $1,000 and any integral multiple in excess thereof unless otherwise specified on the face of this Note. 
 (b) Prior to due presentment for registration of transfer of this Note, the Trust, the Indenture Trustee, the Registrar, the Paying Agent, any Agent and
any other agent of the Trust or the Indenture Trustee may treat the Person in whose name this Note is registered as the owner hereof for the purpose of receiving payment as herein provided and for all other purposes, whether or not this Note shall
be overdue, and none of the Trust, the Indenture Trustee, the Registrar, the Paying Agent, any Agent or any other agent of the Trust or the Indenture Trustee shall be affected by notice to the contrary. 
 (c) The Notes are being issued by means of a book-entry-only system with no physical distribution of certificates to be made except as provided in the
Indenture. The book-entry system maintained by DTC will evidence ownership of the Notes, with transfers of ownership effected on the records of DTC and its Participants pursuant to rules and procedures established by DTC and its Participants. The
Trust and the Indenture Trustee will recognize Cede & Co., as nominee of DTC, as the registered owner of the Notes and as the Holder of the Notes for all purposes, including payment of principal, premium (if any) and interest, notices and
voting. Transfer of principal, premium (if any) and interest to participants of DTC will be the responsibility of DTC, and transfer of principal, premium (if any) and interest to beneficial holders of the Notes by Participants of DTC will be the
responsibility of such Participants and other nominees of such beneficial holders. So long as the book-entry system is in effect, the selection of any Notes to be redeemed or repaid will be determined by DTC pursuant to rules and procedures
established by DTC and its Participants. Neither the Trust nor the Indenture Trustee will not be responsible or liable for such transfers or payments or for maintaining, supervising or reviewing the records maintained by DTC, its Participants or
persons acting through such Participants. 
 (d) This Note or portion hereof may not be exchanged for Definitive Notes, except in the limited
circumstances provided for in the Indenture. The transfer or exchange of Definitive 

  

 21 

 
Notes shall be subject to the terms of the Indenture. No service charge will be made for any registration of transfer or exchange, but the Trust may require
payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. 
 Section 15. GOVERNING LAW.
THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW YORK), EXCEPT AS REQUIRED
BY MANDATORY PROVISIONS OF LAW. 
  

 22 

 OPTION TO ELECT REPAYMENT 
 The undersigned hereby irrevocably request(s) and instruct(s) the Trust to repay this Note (or portion hereof specified below) pursuant to its terms at a price equal to the Principal Amount hereof together with
interest to the repayment date, to the undersigned, at: 
  

	
	 
	 

 (Please print or typewrite name and address of the undersigned). 
 For this Note to be repaid, the Indenture Trustee (or the Paying Agent on behalf of the Indenture Trustee) must receive at its Corporate Trust Office, or
at such other place or places of which the Trust shall from time to time notify the Holder of this Note, not more than sixty (60) nor less than thirty (30) days prior to a Repayment Date, if any, shown on the face of this Note, this Note
with this “Option to Elect Repayment” form duly completed. 
 If less than the entire Principal Amount of this Note is to be
repaid, specify the portion hereof (which shall be in increments of $1,000) which the Holder elects to have repaid and specify the denomination or denominations (which shall be
$             or an integral multiple of $1,000 in excess of $            ) of the Notes to be issued to the Holder
for the portion of this Note not being repaid (in the absence of any such specification, one such Note will be issued for the portion not being repaid). 
  

							
	$                                      
      	 		  	  

			
	DATE:
                                  	 		  	NOTICE: The signature on this Option to Elect Repayment must correspond with the name as written upon the face of this Note in every particular, without alteration or enlargement
or any change whatever.
			
	Principal Amount to be repaid, if amount to be repaid is less than the Principal Amount of this Note (Principal Amount remaining must be an authorized denomination)	 		  	 Fill in for registration of Notes if to be issued otherwise than to the registered Holder:

				
		 		  	Name:	  	 
				
	$                                      
      	 		  	Address:	  	 
			
		 		  	  

		 		  	(Please print name and address including zip code)

 SOCIAL SECURITY OR OTHER TAXPAYER ID NUMBER:
                                        
         
  

 23 

 SURVIVOR’S OPTION RIDER 
 (a) Unless this Note, on its face, has been declared due and payable prior to the Maturity Date by reason of any Event of Default under the Indenture, or
has been previously redeemed or otherwise repaid, the authorized Representative (as defined below) of a deceased Beneficial Owner (as defined below) of this Note shall have the option to elect repayment by the Trust in whole or in part prior to the
Maturity Date following the death of the Beneficial Owner (a “Survivor’s Option”). The Survivor’s Option may not be exercised unless this Note was held by the Beneficial Owner or the estate of that Beneficial Owner for a period
beginning at least 6 months immediately prior to the death of such Beneficial Owner. “Beneficial Owner” as used in this Survivor’s Option Rider means, with respect to this Note, the person who has the right, immediately prior to such
person’s death, to receive the proceeds from the disposition of this Note, as well as the right to receive payments on this Note. 
 (b)
Upon (1) the valid exercise of the Survivor’s Option and the proper tender of this Note by or on behalf of a person that has authority to act on behalf of the deceased Beneficial Owner of this Note under the laws of the appropriate
jurisdiction (including, without limitation, the personal representative or executor of the deceased Beneficial Owner or the surviving joint owner of the deceased Beneficial Owner) (the “Representative”) and (2) the tender and
acceptance of that portion of the Funding Agreement equal to the amount of the portion of this Note to be repaid, the Trust shall repay this Note (or portion thereof) at a price equal to 100% of the unpaid Principal Amount of the deceased Beneficial
Owner’s beneficial interest in this Note plus accrued and unpaid interest to, but excluding, the date of such repayment. However, the Trust shall not be obligated to repay: 
 (i) beneficial ownership interests in Notes exceeding the greater of $1,000,000 or 1% (or such
other amounts, as specified in the Pricing Supplement) in aggregate principal amount for all notes then outstanding under the Genworth DirectNotesSM
program as of the end of the most recent calendar year (the “Annual Put Limitation”); 
 (ii) on behalf of an individual deceased Beneficial Owner, any beneficial ownership interest in all notes issued under the Genworth DirectNotesSM program that exceeds $250,000 (or such other amounts, as specified in the Pricing Supplement) in any calendar year (the “Individual Put Limitation”); or 
 (iii) beneficial ownership interests in Notes exceeding the amount specified on the face hereof and in the Pricing Supplement (the “Trust Put
Limitation”). 
 (c) The Trust shall not make principal repayments pursuant to exercise of the Survivor’s Option in amounts that
are less than $1,000, and, in the event that the limitations described in the preceding sentence would result in the partial repayment of this Note, the Principal Amount remaining Outstanding after repayment must be at least $1,000 (the minimum
authorized denomination of the Notes). 
 (d) An otherwise valid election to exercise the Survivor’s Option may not be withdrawn.

  

 24 

 (e) Election to exercise the Survivor’s
Option will be accepted in the order that elections are received by the Indenture Trustee, except for any Notes (or portion thereof) the acceptance of which would contravene (1) the Annual Put Limitation, (2) the Individual Put Limitation
or (3) the Trust Put Limitation. Any Note (or portion thereof) accepted for repayment pursuant to exercise of the Survivor’s Option shall be repaid on the first Interest Payment Date that occurs 20 or more calendar days after the date of
such acceptance. If, as of the end of any calendar year, the aggregate principal amount of all notes (or portions thereof) issued under the Genworth DirectNotesSM program that have been tendered pursuant to the valid exercise of the Survivor’s Option during such year has exceeded the Annual Put Limitation, the Individual Put Limitation or the Trust Put Limitation, for such year, any exercise(s)
of the Survivor’s Option with respect to Notes (or portions thereof) not accepted during such calendar year, because such acceptance would have contravened any such limitation, shall be deemed to be tendered on the first day of the following
calendar year in the order all such notes (or portions thereof) were originally tendered. In the event that this Note (or any portion hereof) tendered for repayment pursuant to valid exercise of the Survivor’s Option is not accepted or is to be
delayed, the Indenture Trustee shall deliver a notice by first-class mail to the presenting direct Participant that states the reason such Note (or portion thereof) has not been accepted for payment or is to be delayed. 
 (f) In order to obtain repayment through exercise of the Survivor’s Option with respect to this Note (or portion hereof), the Representative must
provide the following items to the broker or other entity through which the beneficial interest in this Note is held by the deceased Beneficial Owner: (1) a written instruction to such broker or other entity to notify the Depositary of the
Representative’s desire to obtain repayment through the exercise of the Survivor’s Option; (2) appropriate evidence satisfactory to the Indenture Trustee that (i) the deceased was the Beneficial Owner of this Note at the time of
death and the interest in this Note was owned by the deceased Beneficial Owner or his or her estate for a period beginning at least six months immediately prior to the death of such Beneficial Owner, which evidence may be in the form of a letter
from the Representative, (ii) the death of such Beneficial Owner has occurred, and the date of such death, and (iii) the Representative has authority to act on behalf of the deceased Beneficial Owner; (3) if the interest in this Note
is held by a nominee of the deceased Beneficial Owner, a certificate or letter satisfactory to the Indenture Trustee from such nominee attesting to the deceased’s beneficial ownership of this Note; (4) a written request for repayment
signed by the Representative, with the signature guaranteed by a member firm of a registered national securities exchange or of the National Association of Securities Dealers, Inc. or a commercial bank or trust company having an office or
correspondent in the United States; (5) if applicable, a properly executed assignment or endorsement; (6) tax waivers and such other instruments or documents that the Indenture Trustee reasonably requires in order to establish the validity
of the beneficial ownership of this Note and the claimant’s entitlement to payment; and (7) any additional information the Indenture Trustee reasonably requires to evidence satisfaction of any conditions to the exercise of such
Survivor’s Option or to document beneficial ownership or authority to make the election and to cause the repayment of this Note. Such broker or other entity shall then deliver each of these items to the direct Participant of the Depositary,
such direct Participant being the entity that holds the beneficial interest in this Note on behalf of the deceased Beneficial Owner, together with evidence satisfactory to the Indenture Trustee from the broker or other entity stating that it
represents the deceased Beneficial Owner. Such direct Participant shall then execute an election form in the form attached hereto as Annex A and deliver such items to the Indenture Trustee. If the Indenture Trustee determines that it has 

  

 25 

 
received the requisite documentation and information and all other conditions described herein are satisfied, the Indenture Trustee shall make payment of the
applicable amount to the direct Participant through DTC. Such direct Participant shall be responsible for disbursing any payments it receives from the Depositary pursuant to exercise of the Survivor’s Option to the appropriate Representative.
All questions, other than with respect to the right to limit the aggregate Principal Amount of Notes as to which exercises of the Survivor’s Option shall be accepted in any one calendar year, regarding the eligibility or validity of any
exercise of the Survivor’s Option will be determined by the Indenture Trustee, in its sole discretion, which determination shall be final and binding on all parties; provided, however, that any such determination is subject to the
right of GLAIC to require reasonable evidence that the exercise of the Survivor’s Option satisfied all of the terms and conditions described in this Note and any restrictions contained in the relevant Funding Agreement. The Indenture Trustee
shall have no liability to any Person, including, without limitation, the Trust, GLAIC, any Holder of this Note, any Beneficial Owner or the deceased Beneficial Owner’s Representative, arising out of any determination made by it relating to the
eligibility or validity of any exercise of the Survivor’s Option, unless occasioned by the Indenture Trustee’s gross negligence or willful misconduct. 
 (g) The death of a person holding a beneficial interest in this Note as a joint tenant or tenant by the entirety with another person, or as a tenant in common with the deceased owner’s spouse, will be deemed the
death of the Beneficial Owner of this Note, and the entire Principal Amount of this Note so held shall be subject to repayment by the Trust upon request in accordance with the terms and provisions hereof. However, the death of a person holding a
beneficial interest in this Note as tenant in common with a person other than such deceased owner’s spouse will be deemed the death of a Beneficial Owner only with respect to such deceased person’s ownership interest in this Note.

 (h) The death of a person who was a lifetime beneficiary of a trust holding a beneficial interest in this Note will be treated as the
death of the Beneficial Owner of this Note to the extent of that person’s interest in the trust. The death of a person who was a tenant by the entirety or joint tenant in a tenancy which is the beneficiary of a trust holding a beneficial
interest in this Note will be treated as the death of the Beneficial Owner of this Note. The death of an individual who was a tenant in common in a tenancy which is the beneficiary of a trust holding a beneficial interest in this Note will be
treated as the death of the Beneficial Owner of this Note only with respect to the deceased person’s beneficial interest in this Note, unless a husband and wife are the tenants in common, in which case the death of either will be treated as the
death of the owner of this Note. 
 (i) The death of a person who, during his or her lifetime, was entitled to substantially all of the
beneficial ownership interests in this Note will be deemed the death of the Beneficial Owner of this Note for purposes of the Survivor’s Option, regardless of whether that Beneficial Owner was the registered holder of this Note, if such
beneficial ownership interest can be established to the satisfaction of the Indenture Trustee. A beneficial ownership interest will be deemed to exist in typical cases of nominee ownership, such as ownership under the Uniform Transfers of Gifts to
Minors Act, community property or other joint ownership arrangements between a husband and wife and lifetime custodial and trust arrangements. 
  

 26 

 ANNEX A 
 REPAYMENT ELECTION FORM 
 Genworth Life and Annuity Insurance Company 
 Genworth DirectNotesSM 
 CUSIP Number
                     
 To:
[Name of Trust] (the “TRUST”) 
 The undersigned financial institution (the “FINANCIAL INSTITUTION”) represents the
following: 
  

	 	 •
	 	 The Financial Institution has received a request for repayment from the executor or other authorized representative (the
“AUTHORIZED REPRESENTATIVE”) of the deceased beneficial owner listed below (the “DECEASED BENEFICIAL OWNER”) of Genworth DirectNotesSM
(CUSIP No.                     ) (the “NOTES”). 

  

	 	•	 	 At the time of his or her death, the Deceased Beneficial Owner owned Notes in the principal amount listed below. 

  

	 	•	 	 The Deceased Beneficial Owner or the estate of the Deceased Beneficial Owner owned the Notes for a period beginning at least six (6) months immediately prior
to the request. 

  

	 	•	 	 The Financial Institution currently holds such notes as a direct or indirect participant in The Depository Trust Company (the “DEPOSITARY”).

 The Financial Institution agrees to the following terms: 
  

	 	•	 	 The Financial Institution shall follow the instructions (the “INSTRUCTIONS”) accompanying this Repayment Election Form (this “FORM”).

  

	 	•	 	 The Financial Institution shall deliver to The Bank of New York Trust Company, N.A. (the “INDENTURE TRUSTEE”) the originals of all records specified in
the Instructions supporting the above representations and all other related documents received from any relevant broker or other entity, and shall retain photocopies thereof, and shall make such photocopies available to U.S. Bank National
Association (the “TRUSTEE”) or the Trust for inspection and review within five business days of the Trustee’s or the Trust’s request. 

  

	 	•	 	 If the Financial Institution, the Indenture Trustee, the Trustee or the Trust, in any such party’s reasonable discretion, deems any of the records specified in
the Instructions supporting the above representations or any such other related documents unsatisfactory to substantiate a claim for repayment, the Financial 

  

 27 

	 	 
Institution shall not be obligated to submit this Form, and the Indenture Trustee, the Trustee or Trust may deny repayment. If the Financial Institution
cannot substantiate a claim for repayment, it shall notify the Indenture Trustee immediately. 

  

	 	•	 	 Repayment elections may not be withdrawn. 

  

	 	•	 	 The Financial Institution agrees to indemnify and hold harmless the Trustee, the Trust and the Indenture Trustee against and from any and all claims, liabilities,
costs, losses, expenses, suits and damages resulting from the Financial Institution’s above representations and request for repayment on behalf of the Authorized Representative. 

  

	 	•	 	 The Notes will be repaid on the first interest payment date to occur at least 20 calendar days after the date of acceptance of the notes for repayment, unless such
date is not a business day, in which case the date of repayment shall be the next succeeding business day. 

  

	 	•	 	 Subject to the Trust’s rights to limit the aggregate principal amount of Notes as to which exercises of the survivor’s option shall be accepted in any one
calendar year, all questions as to the eligibility or validity of any exercise of the survivor’s option will be determined by the Indenture Trustee, in its sole discretion, which determination shall be final and binding on all parties.

  

 28 

							
	REPAYMENT ELECTION FORM
	
	 (1)

	Name of Deceased Beneficial Owner
	
	 (2)

	Date of Death
	
	 (3)

	Date of Purchase
	
	 (4)

	Name of Authorized Representative Requesting Repayment
	
	 (5)

	Name of Financial Institution Requesting Repayment
	
	 (6)

	Signature of Authorized Representative of Financial Institution Requesting Repayment
	
	 (7)

	Principal Amount of Requested Repayment
	
	 (8)

	Date of Election
				
	 (9)
	  	Financial Institution:	 	(10)	  	Wire instructions for payment:
		  	Representative Name:	 		  	Bank Name:
		  	Phone Number:	 		  	ABA Number:
		  	Fax Number:	 		  	Account Name:
		  	Mailing Address (no P.O. Boxes):	 		  	Account Number:
		  		 		  	Reference (optional):

	
	  
	  

 TO BE COMPLETED BY THE INDENTURE TRUSTEE
 (A) Delivery and Payment Date: 
 (B) Principal Amount: 
 (C) Accrued Interest: 
 (D) Date of Receipt of Form by the
Indenture Trustee: 
  

 29 

 INSTRUCTIONS FOR COMPLETING REPAYMENT ELECTION FORM AND 
 EXERCISING 
 REPAYMENT OPTION 

 Capitalized terms used and not defined herein have the meanings defined in the accompanying Repayment Election Form. 
  

	1.	Collect and retain for a period of at least three years (1) satisfactory evidence of the authority of the Authorized Representative, (2) satisfactory evidence of death of
the Deceased Beneficial Owner, (3) satisfactory evidence that the Deceased Beneficial Owner beneficially owned, at the time of his or her death, the notes being submitted for repayment, which evidence may be in the form of a letter from the
Authorized Representative, (4) satisfactory evidence that the notes being submitted for repayment were acquired by the Deceased Beneficial Owner or the estate of the Deceased Beneficial Owner for a period beginning at least six months
immediately prior to the request, which evidence may be in the form of a letter from the Authorized Representative and (5) any necessary tax waivers. For purposes of determining whether the notes will be deemed beneficially owned by an
individual at any given time, the following rules shall apply: 

  

	 	•	 	 If a note (or a portion thereof) is beneficially owned by tenants by the entirety or joint tenants, the note (or relevant portion thereof) will be regarded as
beneficially owned by a single owner. Accordingly, the death of a tenant by the entirety or joint tenant will be deemed the death of the beneficial owner and the entire principal amount so owned will become eligible for repayment.

  

	 	•	 	 The death of a person beneficially owning a note (or a portion thereof) by tenancy in common will be deemed the death of the beneficial owner only with respect to
the deceased owner’s interest in the note (or relevant portion thereof) so owned, unless a husband and wife are the tenants in common, in which case the death of either will be deemed the death of the beneficial owner and the entire principal
amount so owned will be eligible for repayment. 

  

	 	•	 	 A note (or a portion thereof) beneficially owned by a trust will be regarded as beneficially owned by each beneficiary of the trust to the extent of that
beneficiary’s interest in the trust (however, a trust’s beneficiaries collectively cannot be beneficial owners of more notes than are owned by the trust). The death of a beneficiary of a trust will be deemed the death of the beneficial
owner of the notes (or relevant portion thereof) beneficially owned by the trust to the extent of that beneficiary’s interest in the trust. The death of an individual who was a tenant by the entirety or joint tenant in a tenancy which is the
beneficiary of a trust will be deemed the death of the beneficiary of the trust. The death of an individual who was a tenant in common in a tenancy which is the beneficiary of a trust will be deemed the death of the beneficiary of the trust only
with respect to the deceased holder’s beneficial interest in the note, unless a husband and wife are the tenants in common, in which case the death of either will be deemed the death of the beneficiary of the trust.

  

	 	•	 	 The death of a person who, during his or her lifetime, was entitled to substantially all of the beneficial interest in a note (or a portion thereof) will be deemed
the death of the beneficial owner of that note (or relevant portion thereof), regardless of the 

  

 30 

	 	 
registration of ownership, if such beneficial interest can be established to the satisfaction of the trustee. Such beneficial interest will exist in many
cases of street name or nominee ownership, custodial arrangements, ownership by a trustee, ownership under the Uniform Transfers of Gifts to Minors Act and community property or other joint ownership arrangements between spouses. Beneficial interest
will be evidenced by such factors as the power to sell or otherwise dispose of a note, the right to receive the proceeds of sale or disposition and the right to receive interest and principal payments on a note. 

  

	2.	Indicate the name of the Deceased Beneficial Owner on line (1). 

  

	3.	Indicate the date of death of the Deceased Beneficial Owner on line (2). 

  

	4.	Indicate the date of purchase on line (3). 

  

	5.	Indicate the name of the Authorized Representative requesting repayment on line (4). 

  

	6.	Indicate the name of the Financial Institution requesting repayment on line (5). 

  

	7.	Affix the authorized signature of the Financial Institution’s representative on line (6). THE SIGNATURE MUST BE MEDALLION SIGNATURE GUARANTEED. 

  

	8.	Indicate the principal amount of notes to be repaid on line (7). 

  

	9.	Indicate the date this Form was completed on line (8). 

  

	10.	Indicate the name, mailing address (no P.O. boxes, please), telephone number and facsimile-transmission number of the Financial Institution. 

  

	11.	Indicate the wire instruction for payment on line (10). 

  

	12.	Leave lines (A), (B), (C), (D) and (E) blank. 

  

	13.	13. Mail or otherwise deliver an original copy of the completed Form to: 

  

					
	By Registered Mail:	 		  	By Courier or Overnight Delivery
	 The Bank of New York Trust
 Company, N.A.
	 		  	 The Bank of New York Trust
 Company,
N.A.

	 Survivor Option Processing
	 		  	Survivor Option Processing
	 P.O. Box 2320
	 		  	2001 Bryan Street – 10th Floor
	 Dallas, Texas 75221-2320
	 		  	Dallas, Texas 75201

  

	14.	FACSIMILE TRANSMISSIONS OF THE REPAYMENT ELECTION FORM WILL NOT BE ACCEPTED. 

  

	 15.
	 For assistance with this Form or any questions relating thereto, please contact the indenture trustee at: The Bank of
New York Trust Company, N.A., 2001 Bryan Street – 10th Floor, Dallas, Texas 75201, attention: Survivor Option Processing, telephone number:
1-800-275-2048. 

  

 31

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00134-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00134-of-00352.parquet"}]]