Document:

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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                         SURRENDER CHARGE ENDORSEMENT
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This endorsement is effective on the Contract Date. It amends the Definitions
section by deleting the Surrender Value definition and adding the following:

Surrender Value - The Contract Value on the date we receive your written
request for surrender in our Service Center less any premium tax and charges.
These charges include any surrender charge.

The Contract Value Benefits section is amended by deleting the Withdrawal
provision and adding the following:

Withdrawal

You may take a withdrawal from the Contract Value prior to the Annuity
Commencement Date. The allowable withdrawal amount is subject to limitations as
shown on the Contract Data Pages. The amount payable to you will be the amount
of the withdrawal, less any surrender charge and premium tax.

You may tell us how to deduct the withdrawal from the Investment Options. If
you do not, the withdrawal will be deducted from the Investment Options on a
prorata basis. A Portfolio may impose a redemption charge on Subaccount assets
that are redeemed from the Portfolio in connection with a withdrawal. The
Portfolio determines the amount of the redemption charge. The charge is
retained by or paid to the Portfolio. The charge is not retained by or paid to
us. The redemption charge may affect the number and/or value of Accumulation
Units withdrawn from the Subaccount that invests in that Portfolio and may
affect Contract Value.

Surrender Charge

All or part of the amount withdrawn or surrendered may be subject to a
surrender charge. The surrender charge is a percentage of each Purchase
Payment. The applicable percentage for each Purchase Payment is shown in the
Table of Surrender Charges on the Contract Data Pages. The number of years
shown in the table represents the number of full and partially completed years
since the Purchase Payment was received.

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For each Contract year, an amount equal to the free withdrawal amount may be
withdrawn during each Contract year without a surrender charge (the "free
withdrawal amount"). The free withdrawal amount is defined on the Contract Data
Pages. Any amount withdrawn in excess of the free withdrawal amount may be
subject to a surrender charge. For purposes of determining the applicable
surrender charge, the amount subject to a surrender charge will be deducted
from Purchase Payments on a first-in, first-out basis. Amounts withdrawn that
are not subject to surrender charge may be taken as a series of periodic
payments instead of a lump sum.

For Genworth Life Insurance Company of New York,

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

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                 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK
                     ANNUITY COMMENCEMENT DATE ENDORSEMENT
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The Contract to which this endorsement is attached is amended by deleting the
Annuity Commencement Date provision in the Monthly Income Benefit section and
replacing it with the following:

Annuity Commencement Date

The Annuity Commencement Date is provided on the Contract data pages, unless
changed after issue. You may change the Annuity Commencement Date to any date
at least 13 months after your Contract Date. If approved by the Company, the
Annuity Commencement Date may be deferred beyond the Annuitant's, or younger of
the Joint Annuitant's 90th birthday. Following such birthday, deferral of the
Annuity Commencement Date may not exceed the Annuitant's, or younger of the
Joint Annuitant's, life expectancy at the time the new Annuity Commencement
Date is requested. All changes must be received in writing at the Annuity
Service Center at least 30 Valuation Days prior to the Annuity Commencement
Date then in effect. Once the Annuity Commencement Date is changed, then
Annuity Commencement Date will mean the new Annuity Commencement Date you
selected.

For GE Capital Life Assurance Company of New York,

                                                  /s/ Pamela S. Schutz
                                                  ------------------------------
                                                  Pamela S. Schutz
                                                  President<PAGE>

                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                      OPTIONAL DEATH PROCEEDS ENDORSEMENT
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This endorsement is effective on the Contract Date. It amends the Death
Provisions section by deleting the Amount Payable When Death Occurs Before
Annuity Commencement Date provision and adding the following:

Amount Payable When Death Occurs Before Annuity Commencement Date

Amount Payable upon the Death of an Owner or Joint Owner Who Is Not Also an
Annuitant: The amount payable is the Contract Value on the first Valuation Day
that we have received Proof of Death.

Death Benefit provisions upon the Death of an Annuitant or Joint Annuitant: The
amount payable (the "Death Benefit") is the greater of (a) and (b), where:

     (a) is Purchase Payments adjusted as stated below for any withdrawals and
         premium tax; and

     (b) is the Contract Value on the first Valuation Day that we have received
         Proof of Death.

Withdrawals reduce the Death Benefit proportionally by the same percentage that
the withdrawal, including any surrender charges and premium taxes, reduces the
Contract Value.

For Genworth Life Insurance Company of New York,

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

                                      1<PAGE>

                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
               WAIVER OF SURRENDER CHARGE - TERMINAL ILLNESS OR
              CONFINEMENT TO A MEDICAL CARE FACILITY ENDORSEMENT
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This endorsement is added to the Contract. This endorsement is effective on the
Contract Date. It amends the CONTRACT VALUE BENEFITS section by adding the
following:

Waiver of Surrender Charge in the Event of Terminal Illness

We will waive the surrender charge for one or more withdrawals if, with respect
to any Annuitant:

   .   the Annuitant has been diagnosed with a terminal illness by a licensed
       physician; and

   .   a licensed physician certifies the Annuitant's medical condition is
       expected to result in death within [12 months] of such certification; and

   .   the diagnosis is supported by clinical, radiological, laboratory or
       other evidence of the medical condition; and

   .   the diagnosis was made at least [90 days] after the Contract Date; and

   .   we receive satisfactory proof that you have a terminal illness; and

   .   the withdrawal occurs after receipt of satisfactory proof.

All Annuitants must be age [80 or younger] on the Contract Date to be eligible
for this waiver.

Waiver of Surrender Charge in the Event of Confinement to a Medical Care
Facility

We will waive the surrender charge for one or more withdrawals if, with respect
to any Annuitant:

   .   the Annuitant enters a state-licensed facility providing medically
       necessary in-patient care (the "Facility"); and

   .   the confinement must be prescribed by a licensed physician in writing
       and be based on limitations that prohibit daily living in a
       non-institutional environment; and

   .   the Annuitant has spent at least [30 consecutive days] in the Facility;
       and

   .   the confinement began at least [90 days] after the Contract Date; and

   .   we receive satisfactory proof of such confinement; and

   .   we receive the request for the withdrawal in our administrative office
       while the Annuitant is confined or within [90 days] after the discharge
       from the Facility.

All Annuitants must be age [80 or younger] on the Contract Date to be eligible
for this waiver.

Satisfactory Proof

For purposes of the provisions above, satisfactory proof will include a
properly completed claim form and a written statement from a licensed
physician. The licensed physician must be someone other than you or your
relative. We reserve the right to obtain a second opinion at our expense and to
contest whether the illness is terminal or the confinement is medically
necessary.

For Genworth Life Insurance Company of New York,

                                                  /s/ David J. Sloane
                                                  ------------------------------
                                                  [David J. Sloane]
                                                  President<PAGE>

                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                           DEATH BENEFIT ENDORSEMENT
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This endorsement amends [Proceeds When Death Occurs Before Income Payments
Begin], under the DEATH PROVISIONS section of the Contract by adding the
following language:

Notwithstanding the [Designated Beneficiary] paragraph, the Owner may, by
providing written notice in a manner acceptable to the Company, choose the
method of payment of death proceeds under the Contract by selecting any Payment
Choice, including any Optional Payment Plan, that the Designated
Beneficiary(ies) may have chosen. The Designated Beneficiaries cannot change
any Payment Choice that the Owner has selected. If the Owner makes a Payment
Choice for the surviving spouse, the spouse may not continue the Contract in
accordance with the [Distribution Rules When Death Occurs Before Income
Payments Begin] paragraph. The Owner may also specify at the time of electing
an Income Payment Option that any payments remaining to be made at the Owner's
death cannot be commuted or assigned. While living, the Owner may revoke any
such limitations on the rights of the Designated Beneficiary by providing
written notice of such revocation in a manner acceptable to the Company. If the
Payment Choice selected by the Owner does not apply to a Designated
Beneficiary, the limitations imposed by this Endorsement shall be removed as to
such Designated Beneficiary. For example, a Payment Choice based on an
individual's life does not apply to the Owner's estate and the estate would be
free to make its own Payment Choice as Designated Beneficiary after the Owner's
death.

For Genworth Life Insurance Company of New York,

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

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