Document:

Exhibit (4)(b)(xiii)

 
Exhibit (4)(b)(xiii)

 
GE LIFE AND ANNUITY ASSURANCE COMPANY

ANNUITY CROSS FUNDED ENDORSEMENT 

 
The Policy to which this endorsement is added, is endorsed as follows: 
 

	 1.	 Add the following Definition: 

 

	     	 CROSS FUNDED ANNUITY — The deferred annuity Policy issued and agreed upon by GE Life and Annuity Assurance Company as indicated on the Policy data
pages. 

 

	 2.	 The Death Benefit Provisions Upon the Death of the Annuitant provision is amended by adding the following paragraph: 

 

	     	 Partial surrenders of any Account Value, that are immediately allocated to the Cross Funded Annuity, reduce the Death Benefit provided under the Policy or any optional rider
in the same manner as any other partial surrender of Account Value. Except as otherwise required by law, GE Life and Annuity Assurance Company will treat for federal and state income tax reporting purposes the partial surrenders that are immediately
allocated to the Cross Funded Annuity, as non-taxable internal transfers of assets inside a single deferred annuity. 

 
This endorsement is effective on the Policy Date unless another date is specified on the Policy data pages. 
 
For GE Life and Annuity Assurance Company, 
 
 
/s/    PAMELA S. SCHUTZ 
Pamela S. Schutz 
        PresidentExhibit (4)(b)(xiv)

 
Exhibit (4)(b)(xiv)

 
GE LIFE AND ANNUITY ASSURANCE COMPANY

EARNINGS PROTECTOR DEATH BENEFIT RIDER 
 

 
This
rider provides for an optional death benefit, which is added to the Death Benefit payable under your Policy. 
 
Earnings Protector Death Benefit 
 
Earnings Protector Death Benefit if the Annuitant is age 70 or younger at issue: The Earnings Protector Death Benefit is equal to 40% of earnings defined as (a) minus (b), where: 

	  	 (a)	 is the Account Value 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; and 

	  	 (b)	 is the sum of premiums paid and not previously partially surrendered. 

 
The Earnings Protector Death Benefit cannot exceed 70% of premiums paid as adjusted for partial surrenders. Premiums, other than the initial premium, paid within 12
months of death are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. 
 
Earnings Protector Death Benefit if the Annuitant is older than age 70 at issue: The Earnings Protector Death Benefit is equal to 25% of earnings defined as
(a) minus (b), where: 

	  	 (a)	 is the Account Value 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; and 

	  	 (b)	 is the sum of premiums paid and not previously partially surrendered. 

 
The Earnings Protector Death Benefit cannot exceed 40% of premiums paid as adjusted for partial surrenders. Premiums, other than the initial premium, paid within 12
months of death are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. 
 
Under both age scenarios listed above, partial surrenders are considered to have been taken first from gain and then from premiums paid. For purposes of this rider,
gain is calculated as (a) plus (b) minus (c) minus (d), but not less than zero where: 

	  	 (a)	 is the Account Value on the Valuation Date we receive your partial surrender request and all required forms at our Home Office; 

	  	 (b)	 is the total of any partial surrenders, excluding surrender charges, previously taken; 

	  	 (c)	 is the total of premiums paid; and 

	  	 (d)	 is the total of any gain previously partially surrendered. 

 
 
When the Earnings Protector Death Benefit will be calculated: The Earnings
Protector Death Benefit will be calculated 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. 
 
Rider Charge 
 
There will be a charge made for this rider while it is in effect. This charge is made in arrears at the beginning of each Policy year after the first, and at
surrender. The charge is made against the Account Value. The maximum charge will be the rate shown on the Policy data pages times the Account Value at the time of deduction. The actual charge will never be greater than the maximum annual charge. The
charge at surrender will be a proportional share of the annual charge. 
 
 

1 

 
This annual charge will be deducted
proportionally from the Investment Subdivisions in which you are invested. If the assets in the Investment Subdivisions are insufficient to cover the annual charge, then the excess of the charges over the assets in the Separate Account will then be
deducted from the assets in the Guarantee Account. Deductions from the Guarantee Account will be taken first from the amounts which have been in the Guarantee Account for the longest period of time. 
 
When this Rider is Effective 
 
This rider becomes effective on the Policy Date unless another effective date is shown
on the Policy data pages. If will remain in effect while this Policy is in force and before Income Payments begin. This rider may not be terminated prior to the Maturity Date. On the Maturity Date, this rider and its corresponding charge will
terminate. If the Policy is terminated and later reinstated, this rider cannot be reinstated without our approval. 
 
Change of Ownership 
 
In the event that the underlying Policy is assigned or sold, unless under a court ordered assignment, this rider will terminate on such date of sale or assignment. 
 
Issue Age 
 
This rider is only available if the Annuitant is age [90 or younger] on the Policy Date. 
 
Spousal Continuation 
 
If the spouse of the deceased elects to continue the Policy as provided under the terms of the Policy, this rider is automatically
continued provided that the spouse’s attained age on the election date is age [90 or younger]. All references to age at issue will mean age on the date of election to continue the Policy. For purposes of spousal continuation, all references to
“sum of premiums paid”, “premiums paid” and “total of premiums paid” will mean the Account Value on the same Valuation Day after all benefits are paid under the Policy and any riders due to the death of the Annuitant.

 
For GE Life and Annuity Assurance Company, 
 
/s/    PAMELA S.
SCHUTZ 
Pamela S. Schutz 
        President 
 

2STOCK and WARRANT PURCHASE AGREEMENT

THIS  STOCK and  WARRANT  PURCHASE  AGREEMENT  is made as of 12  September  2002
between  FinancialContent,  Inc., a Delaware  corporation (the  "Company"),  and
Stamford Financial Ltd., a Vanuatu limited company (the "Purchaser").

The parties agree as follows:

1.       Sale of Stock.  The  Company  agrees to sell to the  Purchaser  and the
Purchaser  agrees to purchase an aggregate of 1,500,000  shares of the Company's
Common Stock (iStocki) at US$0.164 per share ("Share(s)"), for an aggregate cash
purchase price of US$246,000.00. (For purposes of this Agreement, all references
to  "Stock"  shall be  deemed  to  include  the  Stock to be  issued  under  the
Warrant(s)s contemplated hereunder.)

2.       Installment  Schedule for Stock Purchase.  Purchaser agrees to purchase
and pay for Stock in not more  than  five (5)  installments  of  300,000  shares
minimum  per  installment  and  a  minimum  payment  of  US$49,200.00  for  each
installment.  The first minimum  installment  purchase and payment shall be made
within  45 days of the  date of this  Agreement  and all  remaining  installment
purchases  and payments  shall made within 210 days  following  the date of this
Agreement.

3.       Payment of Purchase  Price.  The payment of the purchase price shall be
paid in United  States  dollars by bank wire transfer to Company as set forth in
Exhibit A to this Agreement.

4.       Warrants.  As  additional  consideration  for the purchase of Stock and
without  separate or additional  payment,  the Company will upon the receipt and
acceptance of payment(s) for each aggregate  block of 300,000 shares  purchased,
issue an unattached  Warrant to Purchaser or its assign(s) or designee(s) giving
the  named  Warrant  holder  the  right to  purchase  80,000  shares of Stock at
US$0.125 per share.

5.       Purchaser Representations. In connection with the purchase of the Stock
and Warrants, the Purchaser represents to the Company the following:

(a) Status of  Purchaser.  The Purchaser  has such  knowledge and  experience in
financial  and business  matters as to be capable of  evaluating  the merits and
risks of the purchase of Company Stock.  The Purchaser is aware of the Company's
business affairs and financial condition and has acquired sufficient information
about the Company to reach an informed and knowledgeable decision to acquire the
Stock.

                                       1
<PAGE>

(b)  Regulation S. The Purchaser  understands  that the Stock to be purchased by
Purchaser and the  Warrant(s) to be issued  pursuant to this  Agreement have not
been registered under the Securities Act.  Further,  Purchaser  understands that
the Stock and the Warrant(s)  issued pursuant to this Agreement are being issued
in reliance on an exemption  contained in  Regulation  S  promulgated  under the
Securities  Act of 1933  ("Regulation  S"), and that the Company is relying upon
the  truth  and  accuracy  of  the  representations,   warranties,   agreements,
acknowledgments and understandings of the Purchaser set forth herein in order to
determine the  applicability of such exemptions and the Purchaser's  suitability
to acquire the Stock.

( c) Non-U.S.  Person.  The Purchaser is not, and at the time of the acquisition
of the  Stock  will  not be, a U.S.  person  as  defined  in  Regulation  S. The
Purchaser  is not, and at the time of the  acquisition  of the Stock will not be
acquiring the Stock for the benefit of a U.S. person as defined in Regulation S.
Upon  consummation  of the  transactions  contemplated  in this  Agreement,  the
Purchaser  will be the sole  beneficial  owner of the Common  Stock issued to it
pursuant to this Agreement, and the Purchaser has not pre-arranged any sale with
any U.S. persons. For purposes of this Agreement, a U.S. person includes without
limitation, any natural person resident in the United States, any partnership or
corporation organized or incorporated under the Laws of the United States (other
than certain branches of non-U.S.  banks or insurance companies),  any estate of
which any executor or  administrator  is a U.S. person or any trust of which any
trustee is a U.S. person (with certain exceptions) and any agency or branch of a
foreign entity located in the United States,  any  non-discretionary  account or
similar  account  (other  than an  estate  or  trust)  held by a dealer or other
fiduciary for the benefit or account of a U.S. person, any discretionary account
or similar  account  (other  than an estate or trust)  held by a dealer or other
fiduciary organized,  incorporated, or (if an individual) resident in the United
States,  any partnership or corporation if: organized or incorporated  under the
laws of any foreign  jurisdiction;  and formed by a U.S. person  principally for
the purpose of investing in securities not registered  under the Act,  unless it
is organized or incorporated,  and owned, by accredited investors (as defined in
Rule  501(a))  who are not  natural  persons,  estates or  trusts,  but does not
include a natural person not resident in the United States.  The "United States"
means the United States of America,  its territories and possessions,  any state
of the United States and the District of Columbia.

(d) Outside the U.S. The  Purchaser is outside the United  States as of the date
of  execution  and  delivery  of this  Agreement  and will be outside the United
States at the time of the purchase of Stock or entitlement and issue of Warrants
as  contemplated  by this  Agreement;  delivery  of Stock  will be  effected  by
Company's Transfer Agent to locations outside the United States, and delivery of
the Warrant(s)  will be effected by the Company to locations  outside the United
States.

(e) Limitations on Transfer.  The Purchaser  understands  that the Stock and any
Warrants  cannot be offered for sale,  sold or otherwise  transferred  unless in
accordance with the provisions of Regulation S, pursuant to  registration  under
the  Securities  Act  of  1933,  or  pursuant  to an  available  exemption  from

                                       2
<PAGE>

registration  under the  Securities  Act of 1933.  The  Purchaser has no present
intention to sell or otherwise  transfer the Stock except in accordance with the
provisions of Regulation S, pursuant to registration under the Securities Act of
1933,  or  pursuant  to an  available  exemption  from  registration  under  the
Securities Act of 1933. The Purchaser  understands that the Company is required,
under Rule 903 of Regulation S, to refuse to register the transfer of any of the
Stock or Warrant(s) to be received by the  Purchaser,  its assigns or designees,
that  are  not  transferred  pursuant  to a  registration  statement  under  the
Securities Act of 1933, in compliance with Regulation S under the Securities Act
or otherwise pursuant to an available exemption from registration.

(f) Restrictive  Legend.  The Purchaser  understands  that the Stock acquired by
Purchaser  shall  contain a  restrictive  legend to the effect that  transfer is
prohibited  except in accordance  with the provisions of this Regulation S (Rule
901 through Rule 905, and Preliminary Notes), pursuant to registration under the
Securities Act of 1933, or pursuant to an available exemption from registration;
and that hedging  transactions  involving those  securities may not be conducted
unless in compliance with the Act.

(g) Warrant Legend.  Purchaser  understands that each Warrant must bear a legend
stating that the Warrant and the Stocks to be issued upon its exercise  have not
been registered under the Securities Act of 1933 and that the Warrant may not be
exercised  by or on  behalf  of any U.S.  person  unless  registered  under  the
Securities Act of 1933 or an exemption from such registration is available; each
person exercising a warrant is required to give:  written  certification that it
is not a U.S.  person and the warrant is not being exercised on behalf of a U.S.
person;  or a written  opinion of counsel to the effect that the Warrant and the
Stocks delivered upon exercise thereof have been registered under the Securities
Act of 1933 or are exempt  from  registration  thereunder;  and  procedures  are
implemented  to ensure that the warrant may not be  exercised  within the United
States,  and that the securities  may not be delivered  within the United States
upon  exercise,  other  than in  offerings  deemed  to meet  the  definition  of
"offshore  transaction"  pursuant to Rule 902(h),  unless  registered  under the
Securites Act or an exemption from such registration is available.

6.       Company  Representations  of Company.  In  connection  with the sale of
Stock and Warrant(s), the Company represents to the Purchaser the following:

(a)  Company  Compliances.  The  compliance  by  the  Company  with  all  of the
provisions of this Agreement has been duly authorized by all necessary corporate
action and the consummation of the  transactions  herein  contemplated  will not
conflict  with or  result  in a  breach  or  violation  of any of the  terms  or
provisions of, or constitute a default under, any indenture,  mortgage,  deed of
trust,  loan agreement or other  agreement or instrument to which the Company or
any of its  Subsidiaries is a party or by which any of them or their  respective
property is bound or to which any of their property or assets is subject that

                                       3
<PAGE>

would have a material  adverse  effect on the business,  financial  condition or
results of operations of the Corporation and its subsidiaries, taken as a whole,
nor will such action result in any violation of the  provisions of the Company's
Articles of  Incorporation  or By-Laws of the  Corporation or any statute or any
order,  rule or  regulation of any court or  governmental  agency or body having
jurisdiction  over the Company or its  Subsidiaries  or any of their  respective
property that would have a material  adverse  effect on the business,  financial
condition or results of  operations  of the  Corporation  and its  subsidiaries,
taken as a whole; and no consent, approval,  authorization,  order, registration
or  qualification  of or with any such court or  governmental  agency or body is
required  for  the   consummation  by  the   Corporation  of  the   transactions
contemplated by this Agreement.

(b) Company  Authorizations.  This Agreement has been duly authorized,  executed
and delivered by the Corporation.

(c) Share Issue  Authorized.  The Shares have been duly  authorized for issuance
and sale to the  Purchaser  pursuant  to this  Agreement  and,  when  issued and
delivered by the Corporation  pursuant to this Agreement  against payment of the
consideration  set  forth  herein,  will  be  validly  issued,  fully  paid  and
non-assessable; no holder of the Shares will be subject to personal liability by
reason of being such a holder;  and the issuance of the Shares is not subject to
the  preemptive  or  other  similar  rights  of  any  security   holder  of  the
Corporation.

(d)  Commercial  Reasonableness.  It is the  opinion  of the  Company  that  the
financial  terms of this  Agreement  were,  at the time such  transactions  were
entered into, commercially reasonable from the Company's perspective.

(e)  Materially  Adverse  Change in the  Company's  Affairs.  The  Company  will
promptly  notify the  Purchaser  of any event that  occurs or is likely to occur
that is  materially  adverse to the  Company's  financial  condition  and/or its
ability  to  continue  operations  as a  going  concern.  In the  event  of such
notification  from Company to  Purchaser,  Purchaser  has the right to terminate
this  Agreement  forthwith.

7.       Company and Purchaser  Joint  Representation.  In  connection  with the
transactions contemplated in this Agreement, the Company and Purchaser represent
to each other the  following:Company  and Purchaser hereby represent and warrant
that there has been no act or omission by Company or Purchaser  which would give
rise to any valid  claim  against  any of the  parties  hereto  for a  brokerage
commission,  finder's  fee,  or  other  like  payment  in  connection  with  the
transactions contemplated hereby.

8.       Adjustment for Stock Split.  All references to the number of Shares and
the  purchase  price of the  Shares  in this  Agreement  shall be  appropriately
adjusted to reflect any stock split,  reverse  stock split or stock  dividend or
other  similar  change in the Shares that may be made by the  Company  after the
date of this Agreement.

                                       4
<PAGE>

9.       Tax  Consequences.  The Purchaser has reviewed with the Purchaser's own
tax advisors the U.S. federal, state, local and foreign tax consequences of this
investment and the transactions contemplated by this Agreement. The Purchaser is
relying solely on such advisors and not on any statements or  representations of
the Company or any of its agents.  The Purchaser  understands that the Purchaser
(and not the Company) shall be responsible for the Purchaser's own tax liability
that may arise from this  investment or the  transactions  contemplated  by this
Agreement.

10.      General Provisions.

(a) This agreement, and all transactions  contemplated hereby, shall be governed
by,  construed  and  enforced  in  accordance  with  the  laws of the  State  of
California. The parties herein waive trial by jury and agree to venue of a court
of  subject  matter  jurisdiction  located  in  Los  Angeles  County,  State  of
California.  In the event  that  litigation  results  from or arises out of this
Agreement  or the  performance  thereof,  the  parties  agree to  reimburse  the
prevailing  party's  reasonable  attorney's  fees,  court  costs,  and all other
expenses, whether or not taxable by the court as costs, in addition to any other
relief to which the prevailing party may be entitled.

(b) This  Agreement  represents  the entire  agreement  between the parties with
respect to the purchase of Stock and Warrants by the  Purchaser  and may only be
modified or amended in writing signed by both parties.

(c) Any notice,  demand or request  required or  permitted to be given by either
the Company or the Purchaser pursuant to the terms of this Agreement shall be in
writing and shall be deemed given when delivered  personally or deposited in the
government mail service,  First Class by Air with postage prepaid, and addressed
to the  parties at the  addresses  of the  parties  set forth at the end of this
Agreement or such other address as a party may request by notifying the other in
writing.

(d) The rights and benefits of the Company and  Purchaser  under this  Agreement
shall be transferable to any one or more persons or entities,  and all covenants
and  agreements  hereunder  shall inure to the benefit of, and be enforceable by
such successors and assigns.

(e) Either  party's  failure to enforce  any  provision  or  provisions  of this
Agreement shall not in any way be construed as a waiver of any such provision or
provisions,  nor prevent that party  thereafter  from  enforcing  each and every
other  provision of this  Agreement.  The rights granted both parties herein are
cumulative  and shall not  constitute a waiver of either party's right to assert
all other legal remedies available to it under the circumstances.

                                       5
<PAGE>

(f) Both  Purchaser  and Company  agree upon request by the other to execute any
further  documents  or  instruments  necessary  or  desirable  to carry  out the
purposes or intent of this Agreement.

(g)  Purchaser  has  reviewed  this  Agreement  in  its  entirety,  has  had  an
opportunity to obtain the advice of counsel before  executing this Agreement and
fully understands all provisions of this Agreement.

IN WITNESS WHEREOF,  the parties have duly executed this Agreement as of the day
and year first set forth above.

<PAGE>

PURCHASER:
Stamford Financial Ltd.
a non-U.S. Person or Resident

By:  /s/ Supien Sawangsri
     -------------------------------
     Mr. Supien Sawangsri

Stamford Financial Ltd.
MBE Surawong 234
173/3 Surawong Road,
Bangkok  10500
Thailand

COMPANY
FinancialContent, Inc.

By:  /s/ Wing Yu
------------------------------------
         Wing Yu
         Chief Executor Officer

FinancialContent, Inc.
400 Oyster Point Boulevard, Suite 435
So. San Francisco, CA 94080

                                       6
<PAGE>

                                    EXHIBIT A

FINANCIALCONTENT, INC. WIRE INSTRUCTIONS:
(to be completed by FinancialServices, Inc.)

                                       7
<PAGE>

Wiring Instructions:

[intentionally omitted]

                                       8

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}]]