Document:

Separation Agreement, dated June 24, 2005

  
 Exhibit 10.24

  
 EXECUTION COPY 
  
 SEPARATION AGREEMENT 
  
 June 24, 2005 
  
 CONFIDENTIAL 
 Mr. Patrick T.
Hogan 
 Executive Vice President 
 RCN Telecom Services, Inc.

 105 Carnegie Center 
 Princeton, NY 08540-6215 
  
 Dear Pat: 
  
 This memorandum confirms our understanding regarding your ongoing employment relationship with RCN Telecom Services, Inc.
and its affiliates (collectively, “RCN”), and serves to follow up and memorialize the notice that was provided to you on May 12, 2005 (the “Effective Date”). 
  

	 	1.	As of the Effective Date, you have ceased to serve as the Chief Financial Officer of RCN and shall instead serve as Executive Vice President – Corporate.

  

	 	2.	From the Effective Date to July 1, 2005, you shall devote your full business time and attention to (A) assisting RCN and its employees to complete and file with the Securities and
Exchange Commission RCN’s financial statements for the fiscal quarter ended March 31, 2005 (the “Financial Statements”) and (B) performing such other duties and responsibilities as are reasonably assigned to you from time to time by
RCN’s Chief Executive Officer. You shall report to RCN’s Chief Executive Officer in connection with your duties described in (B), above. 

  

	 	3.	You agree that you shall not voluntarily terminate your employment with RCN for any reason before July 1, 2005, unless an earlier end date is agreed to in writing by RCN’s
Chief Executive Officer (the “Termination Date”). You agree that your employment with RCN shall automatically terminate on the Termination Date. 

  

	 	4.	 In consideration of your promises herein, RCN shall (i) continue to pay you at your current base salary through the Termination Date and (ii) grant you options to
acquire 75,000 shares of common stock of RCN Corporation (“Stock”) on the terms and conditions set forth herein (the “Options”). The Options have been authorized by the Board of Directors and have a per share exercise price equal
to $18.80. The Options shall fully vest on the 90th day following the grant date (regardless of whether you are then
employed by RCN) provided you have, within 45 days of the 

  

	
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Termination Date, executed and delivered to RCN a full and irrevocable release of claims through the date hereof, substantially in the form of Exhibit A (the
“Release”). Vested Options shall remain exercisable until the third anniversary of the grant date. The Options shall be automatically forfeited on the 45th day following the Termination Date if you have not executed and delivered the Release as set forth above. Notwithstanding anything to the contrary contained herein, the Options shall be subject to the
terms of the RCN Corporation 2005 Stock Compensation Plan in the form approved by the RCN’s stockholders and its Board of Directors. 

  

	 	5.	Promptly, and in any event within two business days, after your execution and delivery of the Release described in Paragraph 4 above, you shall be paid $393,730, which constitutes
the severance benefits specified in Section 3(b) of the letter agreement between you and RCN dated December 7, 2004 (the “2004 Agreement”), it being understood and agreed that you shall not be entitled to any additional duplicative
severance benefits under the 2004 Agreement and this Separation Agreement; provided however, that (for the avoidance of doubt) RCN shall provide you and your family, at its expense, with health insurance benefits as contemplated by Section 3(b) of
the 2004 letter. 

  

	 	6.	This letter constitutes the complete agreement between the parties on the matters set forth herein and merges and supersedes all prior discussions, agreements (whether written or
oral) and understandings of every kind and nature in respect of the subject matter of his letter. Notwithstanding the foregoing, this letter shall not relieve you of any obligations you may have to RCN under any other agreement, including the 2004
Agreement. 

  

	 	7.	This letter may be executed in one or more counterparts, which, together, shall constitute one and the same agreement. 

  

	 	8.	This letter shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflicts of law rules. 

  
 If this letter sets forth our agreement on the subject matter hereof, please
sign and return to RCN the enclosed copy of this letter, which will then constitute our agreement on this subject. 
  

							
	 RCN TELECOM SERVICES, INC.
	 	 	 	 Accepted and Agreed:

				
	 By:
	 	 /s/ Peter D. Aquino
	 	 	 	 /s/ Patrick T. Hogan

	 	 	 Peter D. Aquino
	 	 	 	 Patrick T. Hogan

	 	 	 CEO and President
	 	 	 	 

  

	
	CONFIDENTIAL

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 ATTACHMENT A 
  
 GENERAL RELEASE 
  
 RCN Telecom Services, Inc, for itself and on behalf of its parent (referred to throughout this General Release as
“RCN”), and Patrick T. Hogan (“Employee”), mutually desire to enter into this General Release (“Agreement”) and acknowledge that: 
  

Employee has been encouraged to consult or seek the advice of an attorney or any other person of Employee’s choosing; and 
  
 Employee has carefully considered the terms and conditions of this Agreement
and Employee understands that this Agreement settles, bars and waives any and all claims and grievances that Employee may have or could possibly have against RCN as of the date of the Separation Agreement dated June 24, 2005 (the “Separation
Agreement”). 
  
 Employee understands that he is afforded two
(2) weeks from the date of this Agreement to consider its terms, sign, date and return the Agreement to RCN. Otherwise, this Agreement may be deemed null and void by RCN, in its sole judgment. 
  
 NOW, THEREFORE, Employee and RCN for the good and sufficient consideration
set forth below, the receipt and sufficiency of which is hereby acknowledged, agree as follows: 
  
 1. In consideration for Employee’s execution of this Agreement and Employee’s compliance with the promises and obligations set forth herein, RCN
shall provide the benefits set forth in Section 5 of the Separation Agreement. 
  
 2. Employee understands and agrees that he would not receive the consideration referred to in Section 4 of the letter agreement by and between Employee and RCN dated June 24, 2005, absent execution of this release.
Neither the making of this Agreement nor anything contained herein shall in any way be construed or considered to be an admission by RCN of non-compliance with any law or admission of any wrongdoing whatsoever. 
  
 3. Employee, of Employee’s own free will, voluntarily waives, releases
and forever discharges RCN, its directors, officers, employees and shareholders of and from any and all actions or causes of action, suits, grievances, claims, debts, charges, complaints, contracts (whether oral or written, express or implied from
any source), claims for recall or reinstatement and promises, whatsoever, in law or equity, which Employee, or Employee’s heirs, executors, administrators, successors and assigns, may have, or may have knowledge of or may be charged with
knowledge of, as of the date of the Separation Agreement for, upon, or by reason of any matter, cause or thing whatsoever including, but not limited to, any and all matters arising out of Employee’s employment by RCN and including, but not
limited to, any violation of: (i) the following 

  

	
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federal statutes, as amended: Title VII of the Civil Rights Act of 1964; Sections 1981 through 1988 of Title 42 of the United States Code; the Employee
Retirement Income Security Act of 1974; the Vocational Rehabilitation Act of 1973; the Age Discrimination in Employment Act of 1967; the Older Workers Benefit Protection Act of 1990; the Family and Medical Leave Act; the WARN Act; and the Americans
with Disabilities Act of 1990; (ii) the following state statutes, as applicable: the Pennsylvania Human Relations Act, 43 P.S. §§951, et seq.; the New Jersey Conscientious Employee Protection Act, N.J.S.A. 34:1-1, et
seq.; the New Jersey Law Against Discrimination, N.J.S.A. 10:5-1, et seq.; the California Fair Employment and Housing Act, Cal. Govt. Code §§12940, et seq.; Washington State Law Against Discrimination,
Wash. Rev. Code §§49.60, et seq.; Massachusetts Fair Employment Practices Act, G.L.c. 151B; New York Human Rights Law, N.Y. Exec. Law §§291, et seq.; D.C. Human Rights Act, D.C. Code
§§1-2500, et seq.; Virginia Human Rights Act, Va. Code §§2.1-715, et seq.; Illinois Human Rights Act, III. Stat. Ch. 775, §§1-101-9-102; (iii) any other federal, state or local labor,
whistleblower, wage and hour or human rights law; and (iv) any other alleged violation of any local, state or federal law, regulation or ordinance and/or public policy, contract, tort or common law having any bearing whatsoever on the terms and
conditions and/or cessation of Employee’s employment with RCN which Employee ever had, now has or may have as of the date of execution of the Separation Agreement. Notwithstanding the foregoing, the release of claims of Employee set forth above
shall not release or relinquish any and all rights of Employee (1) to receive the severance and other benefits referred to in this Agreement and the Separation Agreement dated June 24, 2005, (2) to receive, through appropriate distribution to him,
the assets of his retirement plan, (3) to seek indemnification and advancement of expenses to the extent he is entitled and to be indemnified to the fullest extent permitted for current or former officers and directors under applicable law and
RCN’s articles of incorporation and by-laws, and (4) to seek or be entitled to coverage under any directors and officers insurance that RCN had, has or may obtain for the benefit of its former directors and/or officers, to the extent that RCN
has such insurance, including, without limitation, indemnification and advancement of expenses with respect to In re RCN Corporation. ERISA Litigation, a case pending in the District Court of New Jersey, as to which RCN shall provide such
indemnification and advancement of expenses to the fullest extent not prohibited by law, and to the extent that RCN provides such indemnification and advancement of expenses to any current or former officers or directors of RCN. 
  
 4. Employee represents and warrants that he has not filed, caused to be
filed, or permitted to be filed on Employee’s behalf, any charge, complaint or action before any federal, state or local administrative agency or court against RCN or filed any grievance against RCN. Employee agrees that he will not submit this
Agreement as evidence of any kind of liability by RCN, and that this Agreement is not relevant or material with respect to any issue of wrongdoing or liability on the part of RCN. 
  
 5. Should any provision of this Agreement be challenged by the Employee of his representatives and declared illegal or
unenforceable by any court of competent jurisdiction and cannot be modified to be enforceable, such provision shall immediately become null and void, leaving the remainder of this Agreement in full force and effect. However, if as a result of such
challenge, any portion of the general release language is 

  

	
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ruled to be unenforceable, Employee agrees that he shall repay RCN the payments provided to Employee that are described in this Agreement and RCN shall have
no further obligations under this Agreement. 
  
 6. Employee
agrees not to, at any time, divulge to any person, firm, corporation or any other entity, information not in the public domain received by Employee during the course of Employee’s employment with RCN with regard to customers, prospects,
pricing, marketing information, personnel matters, financial matters, business accounts and records, corporate documentation or structure, business strategy or any other information relating to the affairs of RCN, in any manner whatsoever, and all
such information will be kept confidential by Employee and will not be revealed to anyone without the prior written permission of a duly authorized officer of RCN. 
  
 Notwithstanding the foregoing, confidential information shall not include information that (a) was in the
possession of or known by Employee prior to Employee commencing employment with RCN; (b) is or becomes generally known to the public or generally known in the industry without violation of this Agreement; (c) is obtained by Employee from a third
party having the right to disclose it without an obligation of confidentiality; (d) is personal financial information relating to Employee’s compensation, or (e) is required to be disclosed by court order or other legal process. 
  
 7. The parties have read and have fully considered the Agreement and are
mutually desirous of entering into such Agreement. Employee agrees that this Agreement will not be subject to any claim of mistake of fact or duress. Having elected to execute this Agreement, to fulfill the promises set forth herein, and to receive
the benefits set forth herein, Employee freely and knowingly, and after due consideration, enters into this Agreement intending to waive, settle and release all claims Employee has against RCN from the beginning of the world to the date of the
Separation Agreement. Employee acknowledges that monetary damages would be insufficient to compensate RCN in the event of a breach or threatened breach of any of the provisions of this Agreement. Should Employee violate or threaten to violate any of
the provisions of this Agreement, RCN will be entitled to an injunction to stop Employee from continuing such breach or threatened breach. Employee agrees, notwithstanding conflict of law principles, that proper jurisdiction and venue for the
enforcement of this Agreement will be in the federal or state courts having jurisdiction over agreements like this and located in the State of New Jersey. 
  
 8. Both parties agree that, the provisions, terms and conditions of this Agreement are to be held in strict confidence. The parties agree not to disclose,
or cause their attorneys or agents to disclose, the terms hereof, except (i) as may be specifically permitted in writing by the other party; (ii) as either party may be compelled to do so by a court order or as required by state or federal law; or
(iii) to accountants or other professionals who advise the parties with respect to financial or tax matters. In addition, Employee may disclose the terms of this Agreement to his immediate family members, defined as spouse, parents and
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 9. Unless compelled by law, Employee and RCN shall not communicate or publish, directly or
indirectly, any disparaging comments or information about the other to any person, corporation, partnership, or any other business or governmental entity. RCN shall use commercially reasonable efforts to cause its directors and officers to comply
with this Section 9. 
  
 10. RCN agrees to provide you, within
five days of such request, with a mutually agreeable letter of reference to be signed by RCN’s Chief Executive Officer. Such letter shall, at a minimum, state your title, dates of employment, and a brief summary of duties and responsibilities.
The letter shall also state that at all times during your employment you performed your duties with the highest degree of skill and professionalism. 
  
 11. Employee agrees that, for a period of six months following the date this Agreement is executed and delivered by Employee, he shall not (a) hire,
attempt to hire, recruit, solicit, persuade, assist in the hiring of, or entice away from RCN (“solicitation”) any individual who is, as of the date hereof, an employee of RCN or an exclusive consultant to RCN who, in either case, had
reported directly to Employee or (b) tortuously interfere with RCN’s employment or consulting relationship with another; provided that the foregoing does not apply to general solicitations not targeted at any such persons. 
  
 12. This Agreement shall be governed by the laws of the State of New Jersey,
notwithstanding conflict of law principles. 
  
 13. EMPLOYEE
REPRESENTS THAT HE IS UNDER FORTY (40) YEARS OF AGE. 
  
 WHEREFORE, the parties voluntarily and knowingly execute this Agreement under seal as indicated below. 
  

							
	 EMPLOYEE
	 	 	 	 RCN Corporation and its Subsidiaries

				
	 /s/ Patrick T. Hogan
	 	 	 	 By:
	 	 /s/ Peter D. Aquino

	 Patrick T. Hogan
	 	 	 	 	 	 Peter D. Aquino

  

	
	CONFIDENTIAL<PAGE>

                                                            Exhibit (4)(b)(xxii)

                      GE LIFE AND ANNUITY ASSURANCE COMPANY
              GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER
--------------------------------------------------------------------------------

This rider is added to the Contract and is only available for Annuitant(s) [age
60 through age 85] at the time the Contract is issued. The Annuitant(s) must be
the Owner(s). The rider provides for a guaranteed minimum withdrawal benefit for
the life of the Annuitant as described below. In order to obtain the full
benefit described in this rider, your annual withdrawals must be limited and you
must allocate Contract Value to the prescribed Investment Strategy. This rider
may not be terminated prior to the Annuity Commencement Date.

Definitions

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

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

        (1)     the Contract Date; and
        (2)     the Valuation Day of the most recent reset of the Withdrawal
                Base.

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

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

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

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

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

Rider Death Benefit - The death benefit payable under this rider. The Rider
Death Benefit on the Contract Date is equal to the initial Purchase Payment.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.

Withdrawal Factor - The percentage used to establish the Withdrawal Limit. The
Withdrawal Factor is based on the age of the younger Annuitant on the earlier of
the Valuation Day of the first withdrawal or the Valuation Day when the Contract
Value is reduced to zero. Age will be determined as of the later of the Contract
Date and the previous Contract anniversary. The percentages are shown on the
Contract Data Pages.

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

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

Form P5310 6/05                         1

<PAGE>

Investment Strategy

This benefit requires investment into an Investment Strategy in order to obtain
the full benefit. Benefits may be reduced as described below if you do not
invest in the Investment Strategy.

To obtain the full benefits provided under this rider, you must allocate all
Contract Value to an Investment Strategy which will be provided to you. You must
allocate your Contract Value among the following Investment Strategy options
shown on the Contract Data Pages for this rider:

        .       the Designated Subaccounts; and/or
        .       the Asset Allocation Model.

You must allocate all Contract Value among the Investment Strategy options. If
you use the Designated Subaccounts option, you must specify the percentage to
invest in each Designated Subaccount. Under the Asset Allocation Model option,
any percentage of Contract Value invested must first be divided into categories
in accordance with the percentages shown on the Contract Data Pages. Within each
category you must then specify the percentage to invest in each available
Subaccount. Each amount allocated to a Subaccount must be at least 1% and not
more than the total percentage allowed for each category.

On a monthly basis, we will rebalance Contract Value to the Subaccounts
according to the percentages that you have chosen. Additionally, unless you
instruct us otherwise, on any Valuation Day after any transaction involving a
withdrawal, receipt of a Purchase Payment or a transfer of Contract Value, we
will rebalance your Contract Value to the Subaccounts according to the
percentages that you have chosen.

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

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

        (a)     is the Withdrawal Factor; and
        (b)     is the Withdrawal Factor multiplied by the Withdrawal Factor
                Reduction Percentage.

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

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

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

Guaranteed Minimum Withdrawal Benefit

If you:
        .       allocate all Contract Value to the Investment Strategy; and
        .       limit total Gross Withdrawals in a Benefit Year to an amount no
                greater than the Withdrawal Limit;

Form P5310 6/05                         2

<PAGE>

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

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less
than or equal to the Withdrawal Limit, the Rider Death Benefit will be reduced
by the same amount that the Gross Withdrawal reduces Contract Value.

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

        (a)     is the greater of the Contract Value on the prior Contract
                anniversary and the Withdrawal Base; and
        (b)     is the Withdrawal Factor.

The Withdrawal Factor is based on the age of the younger Annuitant on the
earlier of the Valuation Day of the first Gross Withdrawal or the Valuation Day
when the Contract Value is reduced to zero. Age will be determined as of the
later of the Contract Date and the previous Contract anniversary. The Withdrawal
Factor percentages are shown on the Contract Data Pages.

Purchase Payments

Any Purchase Payment applied to your Contract will adjust your Withdrawal Base
and Rider Death Benefit. In order to obtain the full benefit provided by this
rider, you must allocate all assets to the prescribed Investment Strategy from
the Contract Date. If you have allocated all assets to the Investment Strategy
since the Benefit Date, any subsequent Purchase Payment will be added to the
Withdrawal Base and the Rider Death Beneft. Otherwise, the Purchase Payment will
be added to the Withdrawal Base, and the Rider Death Benefit will be increased
by (a) minus (b), where:

        (a)     is the Purchase Payment; and
        (b)     is the Purchase Payment multiplied by the Death Benefit
                Reduction Percentage.

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

Restoration or Reset of the Guaranteed Minimum Withdrawal Benefit

If your Withdrawal Factor and Rider Death Benefit have been reduced because you
have not allocated all assets to the prescribed Investment Strategy, you will
have a one-time opportunity to restore your Withdrawal Factor and Rider Death
Benefit.

You may reset your Withdrawal Base to the current Contract Value on a Contract
anniversary, at least [three] complete year[s] after your Benefit Date.

There are similarities as well as distinct differences between restoring your
Withdrawal Factor and resetting your Withdrawal Base and Withdrawal Factor. The
similarities and differences are:

Form P5310 6/05                         3

<PAGE>

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------------------
                  Restore Provision                                         Reset Provision
-------------------------------------------------------------------------------------------------------------------
<S>                                                     <C>
May only be restored on a Contract anniversary, one     May only be reset on a Contract anniversary, at least
time during the life of this rider.                     [three] complete year[s] after your Benefit Date.
-------------------------------------------------------------------------------------------------------------------
You must allocate all assets to the Investment          You must allocate all assets to the Investment  Strategy
Strategy in effect as of the last Benefit  Date prior   offered as of the date of the reset.
to the  reduction in benefits.
-------------------------------------------------------------------------------------------------------------------
Your rider charge assessed will remain the same as      Your rider charge may increase, not to exceed an annualized
the charge that was in effect as of your last Benefit   rate of [2.00%], calculated on a daily basis.
Date prior to the reduction in benefits.
-------------------------------------------------------------------------------------------------------------------
Your Withdrawal Base will be the lesser of the          Your Withdrawal Base will be reset to equal your Contract
current Contract Value and your prior Withdrawal Base.  Value as of the date of your reset.
-------------------------------------------------------------------------------------------------------------------
The Withdrawal Factor will be restored to 100% of       The Withdrawal Factor will be reset to 100% of the original
the original age Withdrawal Factor.                     age Withdrawal Factor.
-------------------------------------------------------------------------------------------------------------------
The Rider Death Benefit will be the lesser of           The Rider Death Benefit will be the lesser of Contract
Contract Value and total Purchase Payments less         Value and total Purchase Payments less Gross Withdrawals.
Gross Withdrawals.
-------------------------------------------------------------------------------------------------------------------
</TABLE>

For either a restoration of your Withdrawal Factor, or a reset of a new
Withdrawal Base, we must receive notice of your election in a form acceptable to
us at least 15 days prior to your next rider anniversary. You may restore your
Withdrawal Factor and Rider Death Benefit only once during the life of your
Contract.

You may not use the restore or reset provision if any Annuitant is age [85] or
older on the Contract anniversary prior to receipt of that request. We reserve
the right to limit the next available restoration date to a Contract anniversary
on or after [three] complete year[s] from the Benefit Date.

Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Withdrawal Base and Rider Death Benefit are
reduced. The new Withdrawal Base equals the lesser of (a) and (b), where:

        (a)     is the Contract Value on the Valuation Day after the Gross
                Withdrawal; and
        (b)     is the prior Withdrawal Base minus the Gross Withdrawal.

The new Rider Death Benefit equals the lesser of (a) and (b), where:

        (a)     is the Contract Value on the Valuation Day after the Gross
                Withdrawal; and
        (b)     is the prior Rider Death Benefit minus the Gross Withdrawal.

Your Withdrawal Base can never exceed the maximum Withdrawal Base shown on your
Contract Data Pages. This maximum amount applies to all contracts that you own
with us and our affiliated companies.

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

Form P5310 6/05                         4

<PAGE>

Required Minimum Distributions

The Withdrawal Limit will be increased for any Benefit Year to the extent
necessary to meet any minimum distribution requirements under federal tax law.
This increase applies only to the required minimum distribution based on the
value of the Contract.

Reduction in Contract Value

Your Contract Value after taking a withdrawal may be less than the amount
required to keep your Contract in effect. In this event, your Contract, this
rider and any other riders and endorsements will terminate and the following
will occur:

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

        .       If the Withdrawal Limit is greater than $100, we will issue you
                a supplemental contract. We will continue to pay you the
                Withdrawal Limit until the first death of an Annuitant. We will
                make payments monthly unless agreed otherwise. If the monthly
                amount is less than $100, we will reduce the frequency so that
                the payment will be at least $100.

Death Provisions

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

        (a)     is the Death Benefit as calculated under the base Contract;
        (b)     is the Rider Death Benefit; and
        (c)     is any amount payable by any other optional death benefit rider.

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

Upon the death of any Annuitant, the benefits and charges under the rider will
cease on the Valuation Day we receive due proof of death and all required forms
at our [Home Office]. The Death Benefit payable under the Contract will be
reduced by the sum of any payments, less charges, made after the death of an
Annuitant. We may recover from you or your estate any payments made after the
death of an Annuitant. All other Death Provisions under the Contract and in any
optional death benefit riders, including distribution rules, apply.

Spousal Continuation

If the Designated Beneficiary is a surviving spouse whose age is at least [60]
and not more than [85] and who elects to continue the Contract as the new Owner,
this rider will continue. As of the first Valuation Day as of which we have
receipt of due proof of death and all required forms at our [Home Office], the
Withdrawal Base for the new Owner will be the Death Benefit.

The new Withdrawal Factor for the new Owner will be based on the age of that
Owner on the date of the first Gross Withdrawal for that Owner.

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

Form P5310 6/05                         5

<PAGE>

Rider Charge

There will be a daily asset charge made for this rider. This charge is added to
the Contract's daily asset charge and applied against all amounts allocated to
the Subaccounts. This charge is shown on the Contract Data Pages. The charge for
this rider will be reset if you choose to reset your Withdrawal Base and Rider
Death Benefit. The new charge will never exceed an effective annual rate of
[2.00%]. On the Annuity Commencement Date, the charge for this rider terminates.

When this Rider is Effective

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

Change of Ownership

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

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

For GE Life and Annuity Assurance Company,

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

Form P5310 6/05                         6

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