Document:

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GE LIFE AND ANNUITY ASSURANCE COMPANY
GUARANTEED INCOME RIDER

This rider is added to the Policy. The rider provides a guaranteed income
benefit. The benefit is a series of payments determined on the earlier of the
Income Start Date or the Maturity Date with respect to payments you have made to
the designated Investment Subdivision(s). Each series of monthly payments is
referred to as a Segment. The guaranteed income benefit is comprised of one or
more guaranteed income Segments (GIS). Each Segment has its own effective date,
Income Start Date, Scheduled Transfer, Monthly Income plan and Guaranteed Annual
Income Factor as shown on the Policy Data Pages. Any time a new Segment is
added, a new set of Policy Data Pages will be sent to you. You may add
additional Segments on any Policy monthly anniversary. For purposes of this
rider and in order to add a Segment, the attained age for the Annuitant and any
Contingent Annuitant must not exceed the age limit shown on the Policy Data
Pages. We allow a maximum of [five] Segments. We reserve the right to allow
additional Segments. You may not terminate this rider, except under the terms
specified under the Termination of Rider provision.

All rider terms will have the same meaning as under the Policy, unless otherwise
provided. Each Segment will operate as follows:

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

Annual Income Amount - The amount equal to Annuity Units multiplied by Annuity
Unit value on the Valuation Day each Annuity Year starts for any benefits
calculated under this rider.

Annuity Year - A one-year period of time beginning on the Income Start Date or
the annual anniversary of the Income Start Date.

GIS Investment Subdivision - The Investment Subdivision(s) indicated on the
Policy Data Pages into which the Scheduled Transfers are made.

GIS Value - On any Valuation Day, the sum of the values in each GIS Investment
Subdivision on the earlier of the Income Start Date and the Maturity Date.

Guaranteed Annual Income Factor - A factor used to calculate the annual
Guaranteed Income Floor acquired with each Scheduled Transfer.

Guaranteed Income Floor - The guaranteed amount of Monthly Income as of the
Income Start Date.

Income Start Date - The date stated on the Policy Data Pages on which Monthly
Income from the GIS Investment Subdivision(s) is scheduled to commence, provided
the Annuitant is living on that date. This date cannot be changed after issue.
Any restriction as to when this date must occur will be shown on the Policy Data
Pages.

Income Start Value - The GIS Value as of the Income Start Date.

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

Form P5286 11/04                        1

<PAGE>

Monthly Income - The amount added each month on a prorata basis to the
Investment Options in which assets are then allocated, excluding the GIS
Investment Subdivision(s), on and after the Income Start Date. The amount of the
Monthly Income remains constant throughout an Annuity Year. This amount may
increase or decrease from Annuity Year to Annuity Year. You have the option to
have the Monthly Income paid to you.

Scheduled Transfer - The amount transferred into the GIS Investment
Subdivision(s) from the Investment Options, excluding the GIS Investment
Subdivision(s). This amount is shown on the Policy Data Pages. Once established,
this amount may not be changed.

Segment - A series of monthly payments. Each Segment comprises the guaranteed
income benefit.

Scheduled Transfers

The first Scheduled Transfer is made to the GIS Investment Subdivision(s) as of
the effective date. Scheduled Transfers if due will continue to be made on each
monthly anniversary of that date until the earlier of the Income Start Date or
the Maturity Date. Scheduled Transfers may be made in advance of the monthly
anniversaries on which they become due. If any month ends before the monthly
anniversary or on a day that is not a Valuation Day, the next Valuation Day will
be treated as the monthly anniversary for that month.

Only Scheduled Transfers can be made into the GIS Investment Subdivision(s).
Purchase Payments may not be made directly to the GIS Investment Subdivision(s).
Scheduled Transfers are made first to the GIS Investment Subdivision(s) of the
Segment that has been in effect for the longest period of time.

Scheduled Transfers will first be made from the Investment Subdivisions,
excluding the GIS Investment Subdivision(s), on a prorata basis. Transfers will
be made from any Guarantee Account to the extent that the value in the
Investment Subdivisions is insufficient to cover the Scheduled Transfer amount.
Transfers from the Guarantee Account will be taken first from the amounts that
have been in the Guarantee Account for the longest period of time.

There is a minimum Scheduled Transfer amount unless we agree otherwise. This
minimum is shown on the Policy Data Pages. If amounts available for transfer on
the date of the Scheduled Transfer are not enough to make the Scheduled
Transfer, that Scheduled Transfer and any future Scheduled Transfers will not be
made with respect to that Segment. Your Guaranteed Income Floor will be
determined based upon Scheduled Transfers made to that date.

Partial Surrenders and Transfers

You may take a partial surrender or make transfers from the GIS Investment
Subdivision(s) at any time prior to the earlier of the Income Start Date or the
Maturity Date. Except for the annual Policy maintenance charge and any transfer
charge (if applicable), any rider and Policy charges not taken as an asset based
charge from the GIS Investment Subdivision(s) will be treated as partial
surrenders for purposes of calculating the Guaranteed Income Floor and Scheduled
Transfers made. Once you take a partial surrender or make a transfer from a
Segment, you will not be permitted to make any additional Scheduled Transfers to
that Segment. Your Guaranteed Income Floor will be adjusted to reflect the
amount partially surrendered or transferred. After such partial surrender or
transfer, the Scheduled Transfers made will equal (a) multiplied by (b) divided
by (c), where: (a) is the Scheduled Transfers made prior to such partial
surrender or transfer; (b) is the GIS Value after such partial surrender or
transfer; and (c) is the GIS Value before such partial surrender or transfer.

                                        2

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Unless you instruct us otherwise, partial surrenders will first be deducted from
your Investment Subdivisions, excluding the GIS Investment Subdivision(s). These
deductions will be taken on a prorata basis. Then partial surrenders will be
deducted from the amounts that have been in the Guarantee Account for the
longest period of time. Finally, partial surrenders will be deducted from the
GIS Investment Subdivision(s) of the Segments beginning with the Segment that
has been in effect for the shortest period of time.

Transfers from the GIS Investment Subdivision(s) will be administered as
described under the Policy.

Monthly Income

You may elect to receive Monthly Income under this rider or you may elect to
transfer your GIS Value to another Investment Option under your Policy and
receive Income Payments.

On the Income Start Date, we will begin your Monthly Income. The Income Start
Value will be applied to the Monthly Income plan shown on the Policy Data Pages.
The Monthly Income plan's value is received as payments over a specific period
of time. As a result, there is no redeemable value in the GIS Investment
Subdivision(s) once Monthly Income begins. The Monthly Income will be allocated
on a prorata basis to the Investment Options in which assets are then allocated,
excluding the GIS Investment Subdivision(s), unless you choose to have the
Monthly Income paid directly to you. Monthly Income is calculated as of the
first Valuation Day of each Annuity Year. If the first day of the Annuity Year
does not begin on a Valuation Day, payments will be calculated on the next
succeeding Valuation Day. Monthly Income will not vary from month to month
during an Annuity Year.

Your Monthly Income plan is shown on the Policy Data Pages. If you have chosen a
Joint Life and Survivor Income Plan, the plan will be based on the lives of the
Annuitant and Contingent Annuitant, as shown on the Policy Data Pages. For
purposes of this rider, the Contingent Annuitant cannot be changed. Also for
purposes of this rider only, income rates are based on the Annuity 2000
Mortality Table, using an interest rate of [3.5%]. The following tables have
annual income rates per $1,000 for a Life Income with 10 Year Period Certain
Plan and a Joint Life and Survivor Income with 10 Year Period Certain Plan.
Under the Life Income with 10 Year Period Certain plan, if the Annuitant lives
longer than 10 years, Monthly Income will continue for his or her life. Under
the Joint Life and Survivor Income with 10 Year Period Certain plan, if any
Annuitants live longer than 10 years, Monthly Income will continue as long as
any Annuitant is living.

               Life Income with 10 Year Period Certain Plan Table

  Annual income rates for each $1,000 of Income Start Value less any applicable
                                  premium tax.

<TABLE>
<CAPTION>
                          Male Annuitant                                                  Female Annuitant
----------------------------------------------------------------  ----------------------------------------------------------------
Settlement  10 Years  Settlement  10 Years  Settlement  10 Years  Settlement  10 Years  Settlement  10 Years  Settlement  10 Years
   Age      Certain      Age      Certain       Age     Certain       Age     Certain      Age      Certain      Age      Certain
----------  --------  ----------  --------  ----------  --------  ----------  --------  ----------  --------  ----------  --------
<S>           <C>         <C>       <C>         <C>       <C>         <C>       <C>         <C>       <C>         <C>       <C>
    55        55.46       62        63.55       69        74.78       55        52.14       62        59.19       69        69.56
    56        56.45       63        64.96       70        76.63       56        52.99       63        60.44       70        71.38
    57        57.48       64        66.44       71        78.52       57        53.88       64        61.76       71        73.29
    58        58.57       65        67.98       72        80.46       58        54.83       65        63.15       72        75.28
    59        59.72       66        69.59       73        82.44       59        55.83       66        64.63       73        77.36
    60        60.93       67        71.26       74        84.45       60        56.89       67        66.18       74        79.51
    61        62.21       68        72.99       75        86.48       61        58.01       68        67.83       75        81.73
</TABLE>

            Values for ages not shown will be furnished upon request.

                                        3

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      Joint Life and Survivor Income with 10 Year Period Certain Plan Table

Annual income rates for each $1,000 of Income Start Value less any applicable
premium tax.

                                         Female Settlement Age
             Male     ----------------------------------------------------
          Settlement     55         60         65         70         75
             Age      --------  ----------  --------  ----------  --------
              55        47.94      49.80      51.50     52.92       54.00
              60        49.20      51.71      54.20     56.45       58.28
              65        50.21      53.39      56.79     60.16       63.14
              70        50.97      54.71      59.02     63.68       68.20
              75        51.48      55.65      60.73     66.64       72.90

            Values for ages not shown will be furnished upon request.

                             Maximum Age Adjustment

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

                    Year Payments Begin   Maximum Age
                      After   Prior To     Adjustment
                    --------  ---------   -----------
                      2000      2026           5
                      2025      2051          10
                      2050      -----         15

The initial Annual Income Amount under the applicable payment plan is calculated
by (a) multiplied by (b), divided by (c), where:
(a) is the annual income rate per $1,000, for the Monthly Income plan shown on
the Policy Data Pages, using the gender(s) and settlement age(s) of the
Annuitant(s) as of the Income Start Date;
(b) is the Income Start Value less any applicable premium tax; and
(c) is $1,000.
The Guaranteed Income Floor is equal to (a) multiplied by (b), where:
(a) is the Scheduled Transfers made into the GIS Investment Subdivision(s),
adjusted for partial surrenders and transfers; and
(b) is the Guaranteed Annual Income Factor shown on the Policy Data Pages
divided by 12.

The initial Monthly Income is the greater of the Level Income Amount and the
Guaranteed Income Floor.

The subsequent Annual Income Amounts under the applicable income plan are
determined by means of Annuity Units. The amount of any subsequent Annual Income
Amount may be greater or less than the initial amount. We guarantee that each
subsequent Annual Income Amount will not be affected by variations in mortality
experience from the mortality assumptions on which the first amount is based.
The number of Annuity Units is determined by dividing the portion of the initial
Annual Income Amount attributable to that Investment Subdivision by the Annuity
Unit value for that Investment Subdivision as of the Income Start Date. The
dollar amount of each subsequent Annual Income Amount is the sum of the amounts
from each Investment Subdivision. The amount is determined by multiplying your
number of Annuity Units in each Investment Subdivision by the Annuity Unit value
for that Investment Subdivision as of the Valuation Day each Annuity Year
starts.

                                        4

<PAGE>

An Adjustment Account is established on the Income Start Date. The value of the
Adjustment Account will be the greater of (a) and (b), where:
(a) is zero; and
(b) is 12 multiplied by the Guaranteed Income Floor minus 12 multiplied by the
initial Level Income Amount.

The actual Monthly Income in subsequent Annuity Years is the greater of (a) and
(b), where:
(a) is the subsequent Level Income Amount minus any value in the Adjustment
 Account as of the date the last Monthly Income was made divided by 12; and
(b) is the Guaranteed Income Floor.

For Monthly Income in subsequent Annuity Years, the value of the Adjustment
Account will be the greater of (a) and (b), where:
(a) is zero; and
(b) is the value of the Adjustment Account as of the date that the last Monthly
Income was made, plus 12 multiplied by the actual subsequent Monthly Income,
minus 12 multiplied by the subsequent Level Income Amount.

On the Income Start Date, if any Monthly Income would be $100 or less, we
reserve the right to reduce the frequency of transfers or payments to an
interval that would result in each amount being at least $100. If the annual
amount is less than $100, we will pay you the Income Start Value and the Segment
will terminate on the Income Start Date.

On the Maturity Date, no further amount can be added to the GIS Investment
Subdivision(s). On this date, Monthly Income will be included as part of Income
Payments in accordance with your Income Payment plan selected under the Policy.

Rider Provisions

Death Provisions

The following provisions apply to any and all Segments with regard to the death
of the Annuitant.

Special Distribution Rules when Death Occurs Before Income Start Date and
Maturity Date

For a surviving spouse who is the Contingent Annuitant and Designated
Beneficiary, the following will apply:
(1) Upon notification of death:
(a) the value of all Investment Subdivisions, excluding the value of the GIS
Investment Subdivision(s), will be transferred to the Money Market Fund; and
(b) Scheduled Transfers if due will continue to be made.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit under the Policy will be allocated on a prorata basis to
the Investment Options in which assets are then allocated;
(b) all current Segments will continue; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

                                        5

<PAGE>

For a surviving spouse, who is the Designated Beneficiary of any portion of the
Policy and not the Contingent Annuitant, the following will apply;

(1) Upon notification of death:
(a) the value of all Investment Subdivisions, including the GIS Investment
Subdivision(s), will be transferred to the Money Market Fund; and
(b) all existing Segments will terminate.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) we will allocate the Death Benefit under the Policy on a prorata basis to
the Investment Options in which assets are then allocated; and
(b) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

Special Distribution Rules when Death Occurs on or After Income Start Date and
Before Maturity Date

On the Income Start Date, the [Death Benefit] is reduced prorata by the same
proportion that the Income Start Value is to the total Account Value.

If the Annuitant dies after the Income Start Date but before the Maturity Date,
proceeds, in addition to proceeds paid under other provisions of the Policy,
will be paid under this rider, unless the surviving spouse continues the Policy.
The amount of additional proceeds will be the greater of (a) and (b), where:
(a) is the commuted value of the remaining period certain of the Guaranteed
Income Floor; and
(b) is the commuted value of the remaining period certain of the Annual Income
Amount.

Commuted values will be calculated at a rate not greater than 1% above the rate
at which the payments and Annuity Units were calculated. We will calculate the
commuted values on the date that we receive proof of death and all required
forms at our Home Office.

For a surviving spouse who is the Contingent Annuitant and Designated
Beneficiary, the following will apply:
(1) Upon notification of death:
(a) the value of all Investment Subdivisions, excluding the value of the GIS
Investment Subdivision(s), will be transferred to the Money Market Fund; and
(b) Scheduled Transfers if due will continue to be made.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit will be allocated on a prorata basis to the Investment
Options under the Policy in which assets are then allocated including any rider
Segments that are before the Income Start Date;
(b) all current Segments will continue; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

For a surviving spouse, who is the Designated Beneficiary of any portion of the
Policy and not the Contingent Annuitant, the following will apply;
(1) Upon notification of death:
(a) all value of the Investment Subdivisions will be transferred to the Money
Market Fund; and
(b) all existing Segments not past the Income Start Date will terminate.

                                        6

<PAGE>

(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit will be allocated on a prorata basis to the Investment
Options under the Policy in which assets are then allocated;
(b) any Segment past its Income Start Date will continue any remaining period
certain payments; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

Rider Charge

There will be a daily asset charge made for this rider. This charge is added to
the Policy's daily mortality and expense charge and applied against all amounts
in the Investment Subdivisions. This charge is shown on the Policy Data Pages.
There will be no further rider charge if you elect to receive Income Payments
only in a form other than Monthly Income.

Other Charges

Any rider and Policy charges not taken on a daily basis, will first be deducted
on a prorata basis from all Investment Subdivisions, excluding the GIS
Investment Subdivision(s). If the assets in the Investment Subdivisions are
insufficient to cover the charges, the remaining amount will be deducted from
any Guarantee Account. Deductions from the Guarantee Account will be taken first
from the amounts that have been in the Guarantee Account for the longest period
of time. Finally, any remaining charges will be deducted from the GIS Investment
Subdivision(s) of the Segments beginning with the Segment that has been in
effect for the shortest period of time and that has not reached its Income Start
Date. Except for the annual Policy maintenance charge and any transfer charge
(if applicable), any rider and Policy charges not taken as an asset based charge
from the GIS Investment Subdivision(s) will be treated as partial surrenders for
purposes of calculating the Guaranteed Income Floor and Scheduled Transfers
made.

When this Rider is Effective

The effective dates of this rider and each Segment are shown on the Policy Data
Pages.

Termination of Rider

This rider will terminate on the Policy anniversary following the first date
that there are no Segments, unless you are eligible to add a Segment on that
date.

Change of Ownership

On the date that the Policy is assigned or sold, unless under an involuntary
assignment effected by legal process, all amounts in the GIS Investment
Subdivision(s) will be transferred to the Money Market Fund.

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

General Provisions

For purposes of this rider:
.. A non-natural entity Owner must name an Annuitant and may name a Contingent
Annuitant.
.. An individual Owner must also be the Annuitant. In the case of Joint Owners,
one must be the Annuitant and the other the Contingent Annuitant.
.. If there is only one Owner, that Owner may name his or her spouse as a
Contingent Annuitant.

                                        7

<PAGE>

For GE Life and Annuity Assurance Company,

Pamela S. Schutz
President

                                        8

<PAGE>

GE LIFE AND ANNUITY ASSURANCE COMPANY
GUARANTEED INCOME RIDER

This rider is added to the Policy. The rider provides a guaranteed income
benefit. The benefit is a series of payments determined on the earlier of the
Income Start Date or the Maturity Date with respect to payments you have made to
the designated Investment Subdivision(s). Each series of monthly payments is
referred to as a Segment. The guaranteed income benefit is comprised of one or
more guaranteed income Segments (GIS). Each Segment has its own effective date,
Income Start Date, Scheduled Transfer, Monthly Income plan and Guaranteed Annual
Income Factor as shown on the Policy Data Pages. Any time a new Segment is
added, a new set of Policy Data Pages will be sent to you. You may add
additional Segments on any Policy monthly anniversary. For purposes of this
rider and in order to add a Segment, the attained age for the Annuitant and any
Contingent Annuitant must not exceed the age limit shown on the Policy Data
Pages. We allow a maximum of [five] Segments. We reserve the right to allow
additional Segments. You may not terminate this rider, except under the terms
specified under the Termination of Rider provision.

All rider terms will have the same meaning as under the Policy, unless otherwise
provided. Each Segment will operate as follows:

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

Annual Income Amount - The amount equal to Annuity Units multiplied by Annuity
Unit value on the Valuation Day each Annuity Year starts for any benefits
calculated under this rider.

Annuity Year - A one-year period of time beginning on the Income Start Date or
the annual anniversary of the Income Start Date.

GIS Investment Subdivision - The Investment Subdivision(s) indicated on the
Policy Data Pages into which the Scheduled Transfers are made.

GIS Value - On any Valuation Day, the sum of the values in each GIS Investment
Subdivision on the earlier of the Income Start Date and the Maturity Date.

Guaranteed Annual Income Factor - A factor used to calculate the annual
Guaranteed Income Floor acquired with each Scheduled Transfer.

Guaranteed Income Floor - The guaranteed amount of Monthly Income as of the
Income Start Date.

Income Start Date - The date stated on the Policy Data Pages on which Monthly
Income from the GIS Investment Subdivision(s) is scheduled to commence, provided
the Annuitant is living on that date. This date cannot be changed after issue.
Any restriction as to when this date must occur will be shown on the Policy Data
Pages.

Income Start Value - The GIS Value as of the Income Start Date.

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

Form P5286U 11/04                       1

<PAGE>

Monthly Income - The amount added each month on a prorata basis to the
Investment Options in which assets are then allocated, excluding the GIS
Investment Subdivision(s), on and after the Income Start Date. The amount of the
Monthly Income remains constant throughout an Annuity Year. This amount may
increase or decrease from Annuity Year to Annuity Year. You have the option to
have the Monthly Income paid to you.

Scheduled Transfer - The amount transferred into the GIS Investment
Subdivision(s) from the Investment Options, excluding the GIS Investment
Subdivision(s). This amount is shown on the Policy Data Pages. Once established,
this amount may not be changed.

Segment - A series of monthly payments. Each Segment comprises the guaranteed
income benefit.

Scheduled Transfers

The first Scheduled Transfer is made to the GIS Investment Subdivision(s) as of
the effective date. Scheduled Transfers if due will continue to be made on each
monthly anniversary of that date until the earlier of the Income Start Date or
the Maturity Date. Scheduled Transfers may be made in advance of the monthly
anniversaries on which they become due. If any month ends before the monthly
anniversary or on a day that is not a Valuation Day, the next Valuation Day will
be treated as the monthly anniversary for that month.

Only Scheduled Transfers can be made into the GIS Investment Subdivision(s).
Purchase Payments may not be made directly to the GIS Investment Subdivision(s).
Scheduled Transfers are made first to the GIS Investment Subdivision(s) of the
Segment that has been in effect for the longest period of time.

Scheduled Transfers will first be made from the Investment Subdivisions,
excluding the GIS Investment Subdivision(s), on a prorata basis. Transfers will
be made from any Guarantee Account to the extent that the value in the
Investment Subdivisions is insufficient to cover the Scheduled Transfer amount.
Transfers from the Guarantee Account will be taken first from the amounts that
have been in the Guarantee Account for the longest period of time.

There is a minimum Scheduled Transfer amount unless we agree otherwise. This
minimum is shown on the Policy Data Pages. If amounts available for transfer on
the date of the Scheduled Transfer are not enough to make the Scheduled
Transfer, that Scheduled Transfer and any future Scheduled Transfers will not be
made with respect to that Segment. Your Guaranteed Income Floor will be
determined based upon Scheduled Transfers made to that date.

Partial Surrenders and Transfers

You may take a partial surrender or make transfers from the GIS Investment
Subdivision(s) at any time prior to the earlier of the Income Start Date or the
Maturity Date. Except for the annual Policy maintenance charge and any transfer
charge (if applicable), any rider and Policy charges not taken as an asset based
charge from the GIS Investment Subdivision(s) will be treated as partial
surrenders for purposes of calculating the Guaranteed Income Floor and Scheduled
Transfers made. Once you take a partial surrender or make a transfer from a
Segment, you will not be permitted to make any additional Scheduled Transfers to
that Segment. Your Guaranteed Income Floor will be adjusted to reflect the
amount partially surrendered or transferred. After such partial surrender or
transfer, the Scheduled Transfers made will equal (a) multiplied by (b) divided
by (c), where:
(a) is the Scheduled Transfers made prior to such partial surrender or transfer;
(b) is the GIS Value after such partial surrender or transfer; and
(c) is the GIS Value before such partial surrender or transfer.

                                        2

<PAGE>

Unless you instruct us otherwise, partial surrenders will first be deducted from
your Investment Subdivisions, excluding the GIS Investment Subdivision(s). These
deductions will be taken on a prorata basis. Then partial surrenders will be
deducted from the amounts that have been in the Guarantee Account for the
longest period of time. Finally, partial surrenders will be deducted from the
GIS Investment Subdivision(s) of the Segments beginning with the Segment that
has been in effect for the shortest period of time.

Transfers from the GIS Investment Subdivision(s) will be administered as
described under the Policy.

Monthly Income

You may elect to receive Monthly Income under this rider or you may elect to
transfer your GIS Value to another Investment Option under your Policy and
receive Income Payments.

On the Income Start Date, we will begin your Monthly Income. The Income Start
Value will be applied to the Monthly Income plan shown on the Policy Data Pages.
The Monthly Income plan's value is received as payments over a specific period
of time. As a result, there is no redeemable value in the GIS Investment
Subdivision(s) once Monthly Income begins. The Monthly Income will be allocated
on a prorata basis to the Investment Options in which assets are then allocated,
excluding the GIS Investment Subdivision(s), unless you choose to have the
Monthly Income paid directly to you. Monthly Income is calculated as of the
first Valuation Day of each Annuity Year. If the first day of the Annuity Year
does not begin on a Valuation Day, payments will be calculated on the next
succeeding Valuation Day. Monthly Income will not vary from month to month
during an Annuity Year.

Your Monthly Income plan is shown on the Policy Data Pages. If you have chosen a
Joint Life and Survivor Income Plan, the plan will be based on the lives of the
Annuitant and Contingent Annuitant, as shown on the Policy Data Pages. For
purposes of this rider, the Contingent Annuitant cannot be changed. Also for
purposes of this rider only, income rates are based on the Annuity 2000
Mortality Table, using an interest rate of [3.5%]. The following tables have
annual income rates per $1,000 for a Life Income with 10 Year Period Certain
Plan and a Joint Life and Survivor Income with 10 Year Period Certain Plan.
Under the Life Income with 10 Year Period Certain plan, if the Annuitant lives
longer than 10 years, Monthly Income will continue for his or her life. Under
the Joint Life and Survivor Income with 10 Year Period Certain plan, if any
Annuitants live longer than 10 years, Monthly Income will continue as long as
any Annuitant is living.

               Life Income with 10 Year Period Certain Plan Table

 Annual income rates for each $1,000 of Income Start Value less any applicable
                                  premium tax.

                  10 Years             10 Years             10 Years
          Age*    Certain      Age*    Certain      Age*    Certain
          -----  ----------   -----   ----------   -----   ----------
           55       52.14       62       59.19       69       69.56
           56       52.99       63       60.44       70       71.38
           57       53.88       64       61.76       71       73.29
           58       54.83       65       63.15       72       75.28
           59       55.83       66       64.63       73       77.36
           60       56.89       67       66.18       74       79.51
           61       58.01       68       67.83       75       81.73

*Age means settlement age. Values for ages not shown will be furnished upon
request.

                                        3

<PAGE>

     Joint Life and Survivor Income with 10 Year Period Certain Plan Table

 Annual income rates for each $1,000 of Income Start Value less any applicable
                                  premium tax.

                                       Settlement
                                          Age
                      --------------------------------------------
          Settlement    55        60       65       70       75
              Age     -------  -------  -------  --------  -------
              55       47.09    48.52    49.73     50.65    51.31
              60       48.52    50.62    52.54     54.14    55.33
              65       49.73    52.54    55.39     58.01    60.13
              70       50.65    54.14    58.01     61.96    65.53
              75       51.31    55.33    60.13     65.53    70.99

          Values for ages not shown will be furnished upon request.

                             Maximum Age Adjustment

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

                    Year Payments Begin   Maximum Age
                     After    Prior To    Adjustment
                    -------  ----------  ------------
                     2000       2026           5
                     2025       2051          10
                     2050       -----         15

The initial Annual Income Amount under the applicable payment plan is calculated
by (a) multiplied by (b), divided by (c), where:
(a) is the annual income rate per $1,000, for the Monthly Income plan shown on
the Policy Data Pages, using the settlement age(s) of the Annuitant(s) as of the
Income Start Date;
(b) is the Income Start Value less any applicable premium tax; and
(c) is $1,000.

The Guaranteed Income Floor is equal to (a) multiplied by (b), where:
(a) is the Scheduled Transfers made into the GIS Investment Subdivision(s),
adjusted for partial surrenders and transfers; and
(b) is the Guaranteed Annual Income Factor shown on the Policy Data Pages
divided by 12.

The initial Monthly Income is the greater of the Level Income Amount and the
Guaranteed Income Floor.

The subsequent Annual Income Amounts under the applicable income plan are
determined by means of Annuity Units. The amount of any subsequent Annual Income
Amount may be greater or less than the initial amount. We guarantee that each
subsequent Annual Income Amount will not be affected by variations in mortality
experience from the mortality assumptions on which the first amount is based.
The number of Annuity Units is determined by dividing the portion of the initial
Annual Income Amount attributable to that Investment Subdivision by the Annuity
Unit value for that Investment Subdivision as of the Income Start Date. The
dollar amount of each subsequent Annual Income Amount is the sum of the amounts
from each Investment Subdivision. The amount is determined by multiplying your
number of Annuity Units in each Investment Subdivision by the Annuity Unit value
for that Investment Subdivision as of the Valuation Day each Annuity Year
starts.

                                        4

<PAGE>

An Adjustment Account is established on the Income Start Date. The value of the
Adjustment Account will be the greater of (a) and (b), where:
(a) is zero; and
(b) is 12 multiplied by the Guaranteed Income Floor minus 12 multiplied by the
initial Level Income Amount.

The actual Monthly Income in subsequent Annuity Years is the greater of (a) and
(b), where:
(a) is the subsequent Level Income Amount minus any value in the Adjustment
Account as of the date the last Monthly Income was made divided by 12; and
(b) is the Guaranteed Income Floor.

For Monthly Income in subsequent Annuity Years, the value of the Adjustment
Account will be the greater of (a) and (b), where:
(a) is zero; and
(b) is the value of the Adjustment Account as of the date that the last Monthly
Income was made, plus 12 multiplied by the actual subsequent Monthly Income,
minus 12 multiplied by the subsequent Level Income Amount.

On the Income Start Date, if any Monthly Income would be $100 or less, we
reserve the right to reduce the frequency of transfers or payments to an
interval that would result in each amount being at least $100. If the annual
amount is less than $100, we will pay you the Income Start Value and the Segment
will terminate on the Income Start Date.

On the Maturity Date, no further amount can be added to the GIS Investment
Subdivision(s). On this date, Monthly Income will be included as part of Income
Payments in accordance with your Income Payment plan selected under the Policy.

Rider Provisions

Death Provisions

The following provisions apply to any and all Segments with regard to the death
of the Annuitant.

Special Distribution Rules when Death Occurs Before Income Start Date and
Maturity Date

For a surviving spouse who is the Contingent Annuitant and Designated
Beneficiary, the following will apply:
(1) Upon notification of death:
(a) the value of all Investment Subdivisions, excluding the value of the GIS
Investment Subdivision(s), will be transferred to the Money Market Fund; and
(b) Scheduled Transfers if due will continue to be made.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit under the Policy will be allocated on a prorata basis to
the Investment Options in which assets are then allocated;
(b) all current Segments will continue; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

                                        5

<PAGE>

For a surviving spouse, who is the Designated Beneficiary of any portion of the
Policy and not the Contingent Annuitant, the following will apply;
(1) Upon notification of death:
(a) the value of all Investment Subdivisions, including the GIS Investment
Subdivision(s), will be transferred to the Money Market Fund; and
(b) all existing Segments will terminate.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) we will allocate the Death Benefit under the Policy on a prorata basis to
the Investment Options in which assets are then allocated; and
(b) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

Special Distribution Rules when Death Occurs on or After Income Start Date and
Before Maturity Date

On the Income Start Date, the [Death Benefit] is reduced prorata by the same
proportion that the Income Start Value is to the total Account Value.

If the Annuitant dies after the Income Start Date but before the Maturity Date,
proceeds, in addition to proceeds paid under other provisions of the Policy,
will be paid under this rider, unless the surviving spouse continues the Policy.
The amount of additional proceeds will be the greater of (a) and (b), where:
(a) is the commuted value of the remaining period certain of the Guaranteed
Income Floor; and
(b) is the commuted value of the remaining period certain of the Annual Income
Amount.

Commuted values will be calculated at a rate not greater than 1% above the rate
at which the payments and Annuity Units were calculated. We will calculate the
commuted values on the date that we receive proof of death and all required
forms at our Home Office.

For a surviving spouse who is the Contingent Annuitant and Designated
Beneficiary, the following will apply: (1) Upon notification of death:
(a) the value of all Investment Subdivisions, excluding the value of the GIS
Investment Subdivision(s), will be transferred to the Money Market Fund; and
(b) Scheduled Transfers if due will continue to be made.
(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit will be allocated on a prorata basis to the Investment
Options under the Policy in which assets are then allocated including any rider
Segments that are before the Income Start Date;
(b) all current Segments will continue; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

For a surviving spouse, who is the Designated Beneficiary of any portion of the
Policy and not the Contingent Annuitant, the following will apply; (1) Upon
notification of death:
(a) all value of the Investment Subdivisions will be transferred to the Money
Market Fund; and
(b) all existing Segments not past the Income Start Date will terminate.

                                        6

<PAGE>

(2) On receipt of proof of death and all required forms at our Home Office, but
only if the surviving spouse elects to continue the Policy:
(a) the Death Benefit will be allocated on a prorata basis to the Investment
Options under the Policy in which assets are then allocated;
(b) any Segment past its Income Start Date will continue any remaining period
certain payments; and
(c) the surviving spouse may elect to fund new Segments on a Policy monthly
anniversary, if then eligible.

Rider Charge

There will be a daily asset charge made for this rider. This charge is added to
the Policy's daily mortality and expense charge and applied against all amounts
in the Investment Subdivisions. This charge is shown on the Policy Data Pages.
There will be no further rider charge if you elect to receive Income Payments
only in a form other than Monthly Income.

Other Charges

Any rider and Policy charges not taken on a daily basis, will first be deducted
on a prorata basis from all Investment Subdivisions, excluding the GIS
Investment Subdivision(s). If the assets in the Investment Subdivisions are
insufficient to cover the charges, the remaining amount will be deducted from
any Guarantee Account. Deductions from the Guarantee Account will be taken first
from the amounts that have been in the Guarantee Account for the longest period
of time. Finally, any remaining charges will be deducted from the GIS Investment
Subdivision(s) of the Segments beginning with the Segment that has been in
effect for the shortest period of time and that has not reached its Income Start
Date. Except for the annual Policy maintenance charge and any transfer charge
(if applicable), any rider and Policy charges not taken as an asset based charge
from the GIS Investment Subdivision(s) will be treated as partial surrenders for
purposes of calculating the Guaranteed Income Floor and Scheduled Transfers
made.

When this Rider is Effective

The effective dates of this rider and each Segment are shown on the Policy Data
Pages.

Termination of Rider

This rider will terminate on the Policy anniversary following the first date
that there are no Segments, unless you are eligible to add a Segment on that
date.

Change of Ownership

On the date that the Policy is assigned or sold, unless under an involuntary
assignment effected by legal process, all amounts in the GIS Investment
Subdivision(s) will be transferred to the Money Market Fund.

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

General Provisions

For purposes of this rider:

.. A non-natural entity Owner must name an Annuitant and may name a Contingent
Annuitant.
.. An individual Owner must also be the Annuitant. In the case of Joint Owners,
one must be the Annuitant and the other the Contingent Annuitant.
.. If there is only one Owner, that Owner may name his or her spouse as a
Contingent Annuitant.

                                        7

<PAGE>

For GE Life and Annuity Assurance Company,

Pamela S. Schutz
President

                                        8Warrant Agreement, dated 07/11/1994

 Exhibit 10.4(a) 
  
 THIS WARRANT AND ANY SHARES ACQUIRED UPON THE EXERCISE OF THIS WARRANT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED, OR UNDER ANY STATE SECURITIES LAWS AND ARE SUBJECT TO THE STANDARD RESTRICTIONS APPLICABLE UNDER THE RULES OF THE SECURITIES AND EXCHANGE COMMISSION. 
  

WORLDSPACE, INC. 
  
 STOCK PURCHASE WARRANT 
  
 JULY 11, 1994 
  
 WORLDSPACE, INC., a Maryland corporation (the “Company”), as consideration for value received, hereby certifies that Mr. Benno A. Ammann, or his assigns (the “Holder”), is entitled to purchase from the Company up to
30,000 shares of the Company’s capital stock evidenced by shares of Common Stock, at any time or from time to time during the period commencing at 9:00 A.M. Eastern time on July 12, 1994 and ending at 5:00 P.M., Eastern time on July 11, 1999
(the ‘Warrant Term”). 
  
 This warrant is issued in
connection with a $30,000 loan that Holder has agreed to make. 
  
 As consideration for and a condition of extending to the Company the credit, Holder has required that the Company issue a Warrant to purchase 30,000 shares of the Company’s Common Stock. 
  

	1.0	Exercise of Warrant. 

  
 1.1 Manner of Exercise: Payment. This Warrant may be exercised by holder hereof, in whole or in part, during normal business hours on any business
day during the period of the Warrant by surrendering the Warrant to the Company at its offices accompanied by payment in cash, certified check or official bank check payable to the order of the Company. 
  
 1.2 Exercise Price. The exercise price for the Warrant shall be $5 for
every share which holder wishes to convert into the Company’s Common Stock under this Warrant Agreement. Payment shall be made in cash or check as designated under Section 1, Paragraph 1.1 above. 
  
 1.3 Delivery of Stock Certificates. After exercise of the Warrant, the
Company shall cause to deliver 
  
 a) a certificate(s) for the
number of duly authorized, validly issued, fully paid and nonassesssable shares to which the Holder shall be entitled as a result of the exercise; and 
  
 b) in case such exercise is in part only, a new warrant or warrants of like tenor dated the date hereof for the remaining shares that have not been
exercised by the Holder. 
  

	2.0	Restrictions on Transfer. 

  
 2.1 Restrictive Legends. This Warrant and each certificate evidencing a Warrant Stock issued upon exercise of this Warrant shall bear the following
legend: 
  
 THIS WARRANT AND ANY SHARES ACQUIRED UPON THE
EXERCISE OF THIS WARRANT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER ANY STATE SECURITIES LAWS AND ARE SUBJECT TO THE STANDARD RESTRICTIONS APPLICABLE UNDER THE RULES OF THE SECURITIES AND EXCHANGE COMMISSION.

  
 THIS WARRANT HAS BEEN ACQUIRED FOR INVESTMENT AND MAY NOT BE
SOLD OR TRANSFERRED IN THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933, AS AMENDED, AND UNDER ANY APPLICABLE STATE SECURITIES LAWS, OR IN THE ABSENCE OF OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT
REGISTRATION IS NOT REQUIRED. 
  
 2.2 Termination of
Restrictions. The restrictions imposed by this section shall cease and terminate (a) when such securities shall have been effectively registered under the Act or (b) when, in the opinions of the Holder and the Company’s counsel, such
restrictions no longer are required to ensure compliance with the Act. 
  

	3.0	No Rights or Liabilities as Stockholder. 

  
 Nothing contained in this Warrant shall be construed as conferring upon the Holder any rights as a stockholder of the Company, or as imposing any
obligation on the Holder to purchase any securities, or as imposing any liabilities on the Holder as a stockholder of the Company, whether such obligation or liabilities are asserted by the Company or by creditors of the Company. 
  

	4.0	Put and Call Provisions. 

  
 4.1 The Put Option. Anytime during the validity of this Warrant, the Holder shall have the right, but not the obligation, to require the Company to
repurchase up to 100% of the Warrant stock issued upon the exercise of this Warrant at fair market value determined in accordance with section 4.3 below. 
  
 4.2 The Call Option. Anytime during the validity of this Warrant, the Company shall have the right, but not the obligation, to repurchase from the
Holder up to 100% of the Warrant stock issued upon the exercise of this Warrant at fair market value determined in accordance with section 4.3 below. 
  
 4.3 Fair Market Value. The term fair market value shall mean the price for each share of put stock or call stock which would be paid by the highest
bidder for such stock if sold in an arms-length transaction assuming that neither buyer nor seller were compelled to purchase the 

  

 2 

 
same. If the Company and the Holder do not agree at such market value they shall each appoint one reputable independent appraiser engaged in the business of
the Company. If the two appraisals differ by no more than 20% of the larger amount, the results shall be averaged and that average shall be the fair market value. If, however, the two appraisals differ by more than 20%, then the two appraisers shall
select a third appraiser experienced in the appraisal of the Company’s business and both parties will agree to be bound by the third and last appraisal. 
  

	5.0	Assignment of Warrant. 

  
 This Warrant is assignable by Holder. If properly assigned, this Warrant may be exercised by a new Holder without a new Warrant first having been issued.
The Company may, without any obligations thereto, seek such proofs as it deems necessary to verify the validity of such assignments. 
  

	6.0	Miscellaneous. 

  
 This Warrant and any term hereof may be changed, waived, discharged or terminated only by a written instrument signed by the party against which
enforcement of such change, waiver, discharge or termination is sought. This Warrant shall be construed and enforced in accordance with the laws of the State of Maryland. 
  

									
	 ATTEST:
	 	 	 	 For WORLDSPACE, INC.

					
	 By:
	 	 /s/ Tedros A. Lemma
	 	 	 	 By:
	 	 /s/ Noah A. Samara

	 	 	 Tedros A. Lemma
	 	 	 	 	 	 Noah A. Samara

	 	 	 Contracts Manager
	 	 	 	 	 	 President & CEO

  

 3 

 WORLDSPACE 
  

May 28, 1999 
  
 Mr. Benno Ammann 
 Box 855 
 Middleburg, VA. 22117 
  
 Dear Mr. Ammann: 
  
 You are the holder of 30,000 WorldSpace, Inc. warrants. The current Warrant Agreement
reflects an expiration date of July 11, 1999. 
  
 This is to advise you that the
WorldSpace Inc. Board of Directors voted at its May 21 meeting to extend the option period. The new expiration date is July 11, 2006. This letter serves as formal notification of the extension. A new Warrant Agreement will not be generated.

  
 Please don’t hesitate to call if you have any questions. 
  
 Sincerely, 
  

	
	
	 /s/ Amber Zentis

	 Amber Zentis

	 Director, Investor Relations

  

			
	2400 N. Street, N.W., Washington, DC 20037	  	Tel: (202) 969-6000 Fax (202) 969 6002

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