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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
                         GUARANTEE ACCOUNT ENDORSEMENT

This endorsement is effective on the Contract Date. It adds a Guarantee Account
to your Contract. You may allocate Purchase Payments and/or transfer value to
and from the Guarantee Account subject to the limitations below.

While this endorsement is in effect, your Contract Value includes:

      .   Amounts allocated to the Subaccounts; and

      .   Amounts allocated to the Guarantee Account.

The Guarantee Account

Amounts allocated to the Guarantee Account earn interest at the daily rate
applicable to the particular allocation. With respect to each allocation, the
rate will remain in effect for a specified period (the interest rate guarantee
period). You may also make transfers or withdrawals from the Guarantee Account.
We reserve the right to limit amounts that may be allocated or transferred to
the Guarantee Account.

Amounts allocated to the Guarantee Account are held in, and are part of, our
General Account. Subject to statutory authority, we make all investment
decisions for the assets of the General Account. Those assets may be chargeable
with liabilities arising out of any business we may conduct.

Any Surrender Value or death proceeds under the Guarantee Account will not be
less than required by the laws of your state.

Value in the Guarantee Account

The value in the Guarantee Account is (a) plus (b) minus (c) minus (d), where:

     (a) is the amounts allocated to the Guarantee Account;

     (b) is any interest credited on those amounts;

     (c) is the amounts removed by transfer, withdrawal or surrender; and

     (d) is the amounts deducted for Contract charges.

You may allocate amounts to one or more of the interest rate guarantee periods
available. At the end of each interest rate guarantee period, a new interest
rate guarantee period, with a renewal rate, will begin. Unless you choose
otherwise, you will renew at the shortest renewal guarantee period that we make
available at that time. We will notify you of the renewal interest rate and the
new interest rate guarantee period. We reserve the right to offer various
interest rate guarantee periods.

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Interest rates that apply to allocations to the Guarantee Account are
determined by us at our sole discretion. The minimum guaranteed interest rate
is shown on the Contract Data Pages.

We will redetermine your minimum guaranteed interest rate beginning on the
Contract anniversary specified on your Contract Data Pages and each Contract
anniversary thereafter. The five-year Constant Maturity Treasury Rate (CMT)
will be used to redetermine the minimum guaranteed interest rate. We will
calculate the average of the daily close five-year CMT rates during the
calendar quarter that is two quarters prior to the applicable Contract
anniversary (rounded to the nearest 1/20th of one percent), and subtract 1.25%.
Your redetermined minimum guaranteed interest rate will be the greater of 1.00%
and this redetermined rate, but not more than 3.00%. We may set the minimum
guaranteed interest rate higher than the redetermined minimum guaranteed
interest rate.

Allocation of Charges

Deductions for any charge that may apply under the Contract are taken first
from your value in the Subaccounts and then from your value in the Guarantee
Account. Any transfer charge that may apply is taken from the amount
transferred. Surrender charges may apply to amounts withdrawn from the
Guarantee Account. No deduction will reduce the Surrender Value below any
minimum value that might be required by applicable state law.

Transfers

You may transfer amounts between the Guarantee Account and the Subaccounts.
Transfers will be effective as of the end of the Valuation Period during which
we receive your request at our Home Office.

We reserve the right to impose the following restrictions on transfers between
the Guarantee Account and the Subaccounts:

      .   For each allocation to the Guarantee Account, transfers to a
          Subaccount may be made only during the 30-day period following the
          end of the allocation's interest rate guarantee period. We may limit
          the amount that you can transfer during that time, but the limit will
          not be less than a percentage of the original allocation, plus any
          accrued interest on that allocation. The percentage used to determine
          this limit will be the lesser of (a) 100% and (b) 25% of the number
          of years in the interest rate guarantee period that just ended for
          that particular allocation;

      .   No transfers from a Subaccount to the Guarantee Account may be made
          during the six-month period following the transfer of any amount from
          the Guarantee Account to a Subaccount.

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Withdrawal

You may specify whether a withdrawal should be taken from the Guarantee Account
or the Subaccounts. If you do not, the withdrawal will be deducted from each
Subaccount in the same proportion that your assets in that Subaccount bears to
the total of your assets in all Subaccounts on the Valuation Day we receive the
request in our Home Office. If the amount of the withdrawal exceeds your assets
in the Subaccounts, any remaining deductions will be made from the Guarantee
Account. The amounts deducted from the Guarantee Account will be taken on a
first-in, first-out basis. "First-in, first-out" means the order in which
Purchase Payments and transferred amounts were allocated to the Guarantee
Account.

Deferment of Payments

We reserve the right to defer payment of any withdrawal or surrender from the
Guarantee Account for up to six months. We will not defer payment if we are
required by your state law to pay earlier. We will not defer payment if the
amount payable is used to pay Purchase Payments on a contract with us.

For Genworth Life and Annuity Insurance Company,

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

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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
                         SURRENDER CHARGE ENDORSEMENT

This endorsement is effective on the Contract Date. It amends the Definitions
section by deleting the Surrender Value definition and adding the following:

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

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

Withdrawal

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

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

Surrender Charge

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

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

For Genworth Life and Annuity Insurance Company,

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

                                      2<PAGE>

                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
                    WAIVER OF SURRENDER CHARGE ENDORSEMENT

This endorsement is effective on the Contract Date. It amends the Contract
Value Benefits section by adding the following:

Waiver of Surrender Charge in the Event of Terminal Illness

We will waive the surrender charge for surrender of one or more withdrawals if:

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

      .   which a licensed physician certifies is expected to result in death
          within 12 months of the certification; and

      .   the diagnosis was made at least one year after the Contract Date; and

      .   the surrender or withdrawal occurs after diagnosis; and

      .   we receive satisfactory proof that the Annuitant has a terminal
          illness.

Satisfactory proof will include a properly completed claim form and a written
statement from a licensed physician. The licensed physician must be someone
other than you, the Annuitant, or an Annuitant(s)'s relative. We reserve the
right to obtain a second medical opinion at our expense.

For Genworth Life and Annuity Insurance Company,

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

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