Document:

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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
                ROTH INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT
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The policy or contract ("Contract") to which this Endorsement is attached is
issued as a Roth individual retirement annuity ("Roth IRA") described in
Section 408A of the Internal Revenue Code of 1986 and applicable regulations
(the "Code"), and all provisions of the Contract, as endorsed, shall be
interpreted in accordance with the requirements of the Code applicable to Roth
IRAs. Where the provisions of the Endorsement are inconsistent with the
provisions of the Contract, or any rider of the Contract, the provisions of the
Endorsement will control. Notwithstanding any provision contained therein to
the contrary, the Contract to which this Endorsement is attached is amended as
follows:

Article 1 - Owner and Annuitant

The Owner must be the sole Owner of the Contract. A Joint Owner cannot be
named. Also, except as otherwise permitted under the Code and applicable
regulations, the Owner cannot be changed. All distributions made while the
Owner is alive must be made to the Owner. While living, the Owner will be the
Annuitant.

Article 2 - Nontransferable and Nonforfeitable

The Contract is established for the exclusive benefit of the Owner and his or
her beneficiaries. The interest of the Owner in this Contract is
nontransferable and, except as provided by law, is nonforfeitable. In
particular, the Contract may not be sold, assigned, discounted, or pledged as
collateral for a loan or as security for the performance of an obligation or
for any other purpose to any person other than to the Company.

Article 3 - Premium Payments

(a) Maximum Permissible Amount. Except in the case of a qualified rollover
    contribution or recharacterization (defined in (f) below), no contribution
    will be accepted unless it is in cash and the total of such contributions
    to all the Owner's Roth IRAs for a taxable year does not exceed the
    applicable amount (as defined in (b) below), or the Owner's compensation
    (as defined in (h) below), if less, for that taxable year. The contribution
    described in the previous sentence that may not exceed the lesser of the
    applicable amount or the Owner's compensation is referred to as a "regular
    contribution". However, notwithstanding the dollar limits on contributions,
    an Owner may make a repayment of a qualified reservist distribution
    described in Code Section 72(t) (2) (G) during the 2-year period beginning
    on the day after the end of the active duty period or by August 17, 2008,
    if later. A "qualified rollover contribution" is a rollover contribution of
    a distribution from an IRA that meets the requirements of Section 408(d)(3)
    of the Code, except the one-rollover-per-year rule of Section 408(d)(3)(B)
    does not apply if the rollover contribution is from an IRA other than a
    Roth IRA (a "nonRoth IRA"). For taxable years beginning after 2005, a
    qualified rollover contribution includes a rollover from a designated Roth
    account described in Code Section 402A; and for taxable years beginning
    after 2007, a qualified rollover contribution also includes a rollover from
    an eligible retirement plan described in Section 402 (c) (8) (B).
    Contributions may be limited under (c) through (e) below.

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(b) Applicable Amount. The applicable amount is determined under (i) or
    (ii) below:

     (i) If the Owner is under age 50, the applicable amount is $3,000 for any
         taxable year beginning in 2002 through 2004, $4,000 for any taxable
         year beginning in 2005 through 2007 and $5,000 for any taxable year
         beginning in 2008 and years thereafter. After 2008, the $5,000 amount
         will be adjusted by the Secretary of the Treasury for cost-of-living
         increases under Code Section 219(b) (5) (D). Such adjustments will be
         in multiples of $500.

     (ii)If the Owner is 50 or Older, the applicable amount under paragraph
         (i) above is increased by $500 for any taxable year beginning in 2002
         through 2005 and by $1,000 for any taxable year beginning in 2006 and
         years thereafter.

    (iii)If the Owner was a participant in a Section 401(k) plan of a certain
         employer in bankruptcy described in Code Section 219(c) (5) (C), then
         the applicable amount under paragraph (i) above is increased by $3,000
         for taxable years beginning after 2006 and before 2010 only. An Owner
         who makes contributions under this paragraph (iii) may not also make
         contributions under paragraph (ii).

(c) Regular Contribution Limit. If (i) and/or (ii) below apply, the maximum
    regular contribution that can be made to all the Owner's Roth IRAs for a
    taxable year is the smaller amount determined under (i) or (ii).

     (i) The maximum regular contribution is phased out ratably between certain
         levels of modified adjusted gross income ("modified AGI," defined in
         (g) below) in accordance with the following table:

<TABLE>
<CAPTION>
Filing Status                  Full Contribution Phase-out Range               No Contribution
-------------                  ----------------- ----------------------------- ----------------
<S>                            <C>               <C>                           <C>
Single or Head of Household    $95,000 or less   Between $95,000 and $110,000  $110,00 or more
Joint Return or Qualifying
  Widow(er)                    $150,000 or less  Between $150,000 and $160,000 $160,000 or more
Married - Separate Return      $0                Between $0 and $10,000        $10,000 or more
</TABLE>

         If the Owner's modified AGI for a taxable year is in the phase-out
         range, the maximum regular contribution determined under this table
         for that taxable year is rounded up to the next multiple of $10 and is
         not reduced below $200. After 2006, the dollar amounts above will be
         adjusted by the Secretary of the Treasury for cost-of-living increases
         under Code Section 408A(c) (3). Such adjustments will be in multiples
         of $1,000.

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     (ii)If the Owner makes regular contributions to both Roth and nonRoth IRAs
         for a taxable year, the maximum regular contribution that can be made
         to all the Owner's Roth IRAs for that taxable year is reduced by the
         regular contributions made to the Owner's nonRoth IRAs for the taxable
         year.

(d) Qualified Rollover Contribution Limit. A rollover from an eligible
    retirement plan other than a Roth IRA or a designated Roth account cannot
    be made to this IRA if, for the year the amount is distributed from the
    other plan,

     (i) the Owner is married and files a separate return,

     (ii)the Owner is not married and has modified AGI in excess of $100,000, or

    (iii)the Owner is married and together the Owner and the Owner's spouse
         have modified AGI in excess of $100,000. For purposes of the preceding
         sentence, a husband and wife are not treated as married for a taxable
         year if they have lived apart at all times during that taxable year
         and file separate returns for the taxable year. For taxable years
         beginning after 2009, the limits in this paragraph (d) do not apply to
         qualified rollover contributions.

(e) SIMPLE IRA Limit. No contributions will be accepted under a SIMPLE IRA plan
    established by any employer pursuant to Section 408(p). Also, no transfer
    or rollover of funds attributable to contributions made by a particular
    employer under its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that
    is, an IRA used in conjunction with a SIMPLE IRA plan, prior to the
    expiration of the 2-year period beginning on the date the Owner first
    participated in that employer's SIMPLE IRA plan.

(f) Recharacterization. A regular contribution to a nonRoth IRA may be
    recharacterized pursuant to the rules in Section 1 .408A-5 of the
    regulations as a regular contribution to this IRA, subject to the limits in
    (c) above.

(g) Modified AGI. For purposes of the (c) and (d) above, an Owner's modified
    AGI for a taxable year is defined in Section 408A(c)(3)(C)(i) and does not
    include any amount included in adjusted gross income as a result of a
    rollover from an eligible retirement plan other than a Roth IRA (a
    "conversion").

(h) Compensation. For purposes of (a) above, compensation is defined as wages,
    salaries, professional fees, or other amounts derived from or received for
    personal services actually rendered (including, but not limited to
    commissions paid salesmen, compensation for services on the basis of
    percentage of profits, commissions on insurance premiums, tips and bonuses)
    and includes earned income, as defined in Section 401 (c)(2) (reduced by
    the deduction the self-employed Owner takes for contributions made to a
    self-employed retirement plan). For purposes of this definition, section
    401 (c)(2) shall be applied as if the term trade or business for purposes
    of Section 1402 included service described in subsection (c)(6).
    Compensation does not include amounts derived from or received as earnings
    or profits from property (including but not limited to interest and
    dividends) or amounts not includible in gross income. Compensation also
    does not include any amount received as a pension or annuity or as deferred
    compensation. The term "compensation" shall include any amount includible
    in the Owner's gross income under Section 71 with respect to a divorce or
    separation instrument described in subparagraph (A) of Section 71 (b)(2).
    In the case of a married Owner filing a joint return, the greater
    compensation of his our her spouse is treated as his or her own
    compensation, but only to the extent that such spouse's compensation is not
    being used for purposes of the spouse making a contribution to a Roth IRA
    or a deductible contribution to a nonRoth IRA.

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(i) Any refund of premiums (other than those attributable to excess
    contributions) will be applied, before the close of the calendar year of
    the refund, toward the payment of future premiums or the purchase of
    additional benefits.

    Except in the case of a singe premium Contract, no premium payment
    subsequent to the initial premium payment will be accepted unless it is
    equal to or at least $50.00. In the case of a single premium Contract, no
    premiums or contributions will be accepted after the Policy Date specified
    in the Contract.

Article 4 - Required Distributions Generally

(a) Notwithstanding any provision of this IRA to the contrary, the distribution
    of the Owner's interest in the IRA shall be made in accordance with the
    requirements of Code Section 408 (b)(3), as modified by Section 408A(c)(5),
    and the regulations thereunder, the provisions of which are herein
    incorporated by reference. If distributions are not made in the form of an
    annuity on an irrevocable basis (except for acceleration), then
    distribution of the interest in the IRA (as determined under paragraph
    (b) below) must satisfy the requirements of Code Section 408(a)(6), as
    modified by Section 408A(c)(5), and the regulations thereunder, rather than
    the distribution rules in Article 6 below.

(b) The "interest" in the IRA includes the amount of any outstanding rollover,
    transfer and recharacterization under Q&As -7 and -8 of Section 1.408-8 of
    the Income Tax Regulations and the actuarial value of any other benefits
    provided under the IRA, such as guaranteed death benefits.

Article 5 - Distributions During Owner's Life

No amount is required to be distributed prior to the death of the Owner for
whose benefit the Contract was originally established.

Article 6 - Distributions After Owner's Death

(a) Upon the death of the Owner, his or her entire interest will be distributed
    at least as rapidly as follows:

     (i) If the designated beneficiary is someone other than the Owner's
         surviving spouse, the entire interest will be distributed, starting by
         the end of the calendar year following the calendar year of the
         Owner's death, over the remaining life expectancy of the designated
         beneficiary, with such life expectancy determined using the age of the
         beneficiary as of his or her birthday in the year following the year
         of the Owner's death, or, if elected, in accordance with paragraph
         (a)(iii) below.

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     (ii)If the Owner's sole designated beneficiary is the Owner's surviving
         spouse, the entire interest will be distributed, starting by the end
         of the calendar year following the calendar year of the Owner's death
         (or by the end of the calendar year in which the Owner would have
         attained age 70  1/2 if later), over such spouse's life, or, if
         elected, in accordance with paragraph (a)(iii) below. If the surviving
         spouse dies before required distributions commence to him or her, the
         remaining interest will be distributed, starting by the end of the
         calendar year following the calendar year of the spouse's death, over
         the spouse's designated beneficiary's remaining life expectancy
         determined using such beneficiary's age as of his or her birthday in
         the year following the death of the spouse, or, if elected, will be
         distributed in accordance with paragraph (a)(iii) below. If the
         surviving spouse dies after required distributions commence to him or
         her, any remaining interest will continue to be distributed under the
         contract option chosen.

    (iii)If there is no designated beneficiary, or if applicable by operation
         of paragraph (a)(i) or (a)(ii) above, the entire interest will be
         distributed by the end of the calendar year containing the fifth
         anniversary of the Owner's death (or of the spouse's death in the case
         of the surviving spouse's death before distributions are required to
         begin under paragraph (a)(ii) above).

     (iv)Life expectancy is determined using the Single Life Table in Q & A -1
         of Section 1.401 (a)(9)-9 of the Income Tax Regulations. If
         distributions are being made to a surviving spouse as the sole
         designated beneficiary, such spouse's remaining life expectancy for a
         year is the number in the Single Life Table corresponding to such
         spouse's age in the year. In all other cases, remaining life
         expectancy for a year is the number in the Single Life Table
         corresponding to the beneficiary's age in the year specified in
         paragraph (a)(I) or (ii) and reduced by 1 for each subsequent year.

(b) For purposes of the paragraph (a)(ii) above, required distributions are
    considered to commence on the date distributions are required to begin to
    the surviving spouse under such paragraph. However, if distributions start
    prior to the applicable date in the preceding sentence, on an irrevocable
    basis (except for acceleration) under an annuity contract meeting the
    requirements of Section 1.401 (a)(9)-6 of the Income Tax Regulations, the
    required distributions are considered to commence on the annuity starting
    date.

(c) If the sole designated beneficiary is the individual's surviving spouse,
    the spouse may elect to treat the IRA as his or her own IRA. This election
    will be deemed to have been made if such surviving spouse makes a
    contribution to the IRA or fails to take required distributions as a
    beneficiary.

Article 7 - Optional Payment Plans

All optional payment plans under the contract must meet the requirements
applicable to Roth IRAs under the Code. The provisions of this Endorsement
reflecting the requirements applicable to Roth IRAs override any optional
payment plan inconsistent with such requirements.

If a guaranteed period of payments is chosen under an optional payment plan,
the length of the period must not exceed the applicable maximum period under
Q&As-3 and -10 of Section 1.401 (a)(9)-6 of the Income Tax Regulations.

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Article 8 - Annual Reports

The Company will furnish annual calendar year reports concerning the status of
this Contract and such information concerning required minimum distributions as
is prescribed by the Commissioner of Internal Revenue.

Article 9 - Code Requirements

The provisions of this Endorsement are intended to comply with the requirements
applicable to Roth IRAs. The Company reserves the right to amend the Contract
and this Endorsement from time to time, without the Owner's consent, when such
amendment is necessary to assure continued compliance with the requirements of
Section 408A of the Code (and any successor provision) as in effect from time
to time. The Owner has the right to refuse to accept any such amendment;
however, we shall not be held liable for any tax consequences incurred by the
Owner as a result of such refusal.

For Genworth Life Insurance Company of New York

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

                                      6<PAGE>

                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER
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General Features

This rider provides for a guaranteed minimum withdrawal benefit for the life of
the Annuitant(s).

The Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary
Value on the Contract Date are equal to the initial Purchase Payment. The
Benefit Base is used to calculate the guaranteed minimum withdrawal benefit.
The Benefit Base does not impact the Contract Value, Surrender Value, Death
Benefit or Income Payment under the Contract. Gross Withdrawals taken under
this rider reduce the Contract Value by the amount of the Gross Withdrawal.
Under this rider, at the time the Contract is issued or when an Annuitant is
added to the Contract, Annuitant(s) must be age [50] through age [85]. There is
a charge for this rider that is calculated [quarterly] as a percentage of the
Benefit Base and deducted [quarterly] from the Contract Value.

In order to obtain the full benefit described in this rider, your withdrawals
must be limited. You must allocate all Purchase Payments and Contract Value to
the Investment Strategy at all times. You may terminate this rider apart from
the Contract on any Contract anniversary on or after the [7/th/] Contract
anniversary (see When this Rider is Effective on page 7).

The Benefit Base and the Withdrawal Factor are used to determine the Withdrawal
Limit. Purchase Payments applied to your Contract before the [1/st/] Contract
anniversary will adjust your Purchase Payment Benefit Amount and may adjust
your Roll-Up Value. Additional Purchase Payments made on or after the [1/st/]
Contract anniversary will be applied to your Contract Value but will not adjust
the Purchase Payment Benefit Amount and/or Roll-Up Value (see Purchase Payments
and Roll-Up Value on page 4). You may reset your Maximum Anniversary Value to
the Contract Value subject to the terms and requirements described below (see
Maximum Anniversary Value and Reset on page 5).

The Withdrawal Limit is the total amount that you may withdraw in a Benefit
Year without reducing the guaranteed minimum withdrawal benefit provided under
this rider. The Withdrawal Limit equals the Benefit Base multiplied by the
Withdrawal Factor (see Withdrawal Limit on page 3). The Withdrawal Factor is
based on the age of the younger Annuitant. The Withdrawal Factor will be fixed
on the earlier of the Valuation Day of the first withdrawal and the Valuation
Day when the Contract Value is less than or equal to [13/12 multiplied by the
most recently calculated Withdrawal Limit].

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Purchase Payment Benefit Amount, Roll-Up
Value and Maximum Anniversary Value are reduced (see Excess Withdrawals on page
5).

The Purchase Payment Benefit Amount is an amount used to calculate the Benefit
Base. The Purchase Payment Benefit Amount will equal your Purchase Payment(s)
applied to your Contract (before the [1/st/] Contract Anniversary).

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The Roll-Up Value is an amount used to calculate the Benefit Base. The Roll-Up
Value may be adjusted based on the daily roll-up factor. The Roll-Up Value will
continue to increase until the date of the first withdrawal or the [10/th/]
anniversary of the Contract Date. The Roll-Up Value will not increase after
this date.

The Maximum Anniversary Value is an amount used to calculate the Benefit Base.
The Maximum Anniversary Value on the Contract Date is equal to the initial
Purchase Payment. On each Contract anniversary, if the Contract Value is
greater than the current Maximum Anniversary Value, the Maximum Anniversary
Value will be increased to the Contract Value. If this day is not a Valuation
Day, this reset will occur on the next Valuation Day. On the Valuation Day we
reset your Maximum Anniversary Value, we will reset the Investment Strategy to
the current Investment Strategy and reset the charges for this rider. The new
charges, which may be higher than your previous charges, will never exceed the
maximum annual charge of 2.50% of the Benefit Base. Resets will occur
automatically unless such automatic resets are or have been terminated.

Prior to the Annuity Commencement Date, at the death of any Annuitant, a Death
Benefit may be payable under this Contract and rider. The amount of any Death
Benefit payable will be the greater of (a) and (b), where:

     (a) is the Death Benefit as calculated under the base Contract; and

     (b) is any amount payable by any other optional death benefit rider, if
         applicable.

The Death Benefit payable will be paid according to the distribution rules
under the Contract. All other Death Provisions under the Contract and any
optional death benefit riders, including distribution rules, apply.

Terms and Procedures

All rider terms will have the same meaning as under the Contract, unless
otherwise stated.

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

Benefit Base - The amount used to calculate the Withdrawal Limit. The Benefit
Base is only used to determine benefits under this rider. The Benefit Base is
not the Contract Value.

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

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 applicable premium taxes.

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

Maximum Anniversary Value - An amount used to calculate the Benefit Base.

Purchase Payment Benefit Amount - An amount used to calculate the Benefit Base.

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Roll-Up Value - An amount used to calculate the Benefit Base. The Roll-Up Value
on the Contract Date is equal to the initial Purchase Payment. The Roll-Up
Value is only used to determine benefits under this rider. The Roll-Up Value is
not the Contract Value.

Withdrawal Factor - The percentage shown on the Contract Data Pages used to
establish the Withdrawal Limit.

Withdrawal Limit - The total amount you may withdraw in a Benefit Year without
reducing the guaranteed minimum withdrawal benefit provided under this rider.
The Withdrawal Limit equals the Benefit Base multiplied by the Withdrawal
Factor.

Investment Strategy

You must allocate all Purchase Payments and Contract Value to the Investment
Strategy at all times. The Investment Strategy options available on the
Contract Date are shown on the Contract Data Pages and may include Designated
Subaccounts and/or Asset Allocation Models. The composition of the Investment
Strategy may change from time to time. Any change to the composition of
the Investment Strategy will be communicated to you in writing prior to the
Contract anniversary date. Changes to the Investment Strategy may include the
addition of Asset Allocation Models or Designated Subaccounts, the removal of
one or more Asset Allocation Models or Designated Subaccounts, or the removal
of all Asset Allocation Models or all Designated Subaccounts. Changes to the
Investment Strategy will apply upon reset, as described in the Maximum
Anniversary Value and Reset section below.

On a monthly basis, we will rebalance Contract Value to the Subaccounts in
accordance with the percentages allocated. In addition, on any Valuation Day
after any transaction involving a withdrawal, receipt of a Purchase Payment or
a transfer of Contract Value, we will rebalance Contract Value to the
Subaccounts in accordance with the percentages allocated, unless you instruct
us otherwise. Your allocation instructions must always comply with the
Investment Strategy.

Allocations outside of the Investment Strategy are not allowed.

Reallocations

You may reallocate Contract Value within the Investment Strategy by submitting
a transfer request. We reserve the right to assess a charge for transfers in
accordance with the terms of the Contract to which this rider is attached. The
maximum transfer charge is shown on the Contract Data Pages.

Guaranteed Minimum Withdrawal Benefit

If you limit total Gross Withdrawals in a Benefit Year to an amount no greater
than the Withdrawal Limit, then you will be eligible to receive total Gross
Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last
death of an Annuitant.

Withdrawal Limit

The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit
equals the Benefit Base multiplied by the Withdrawal Factor. The Withdrawal
Factor percentages are shown on the Contract Data Pages.

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The Withdrawal Factor is based on the age of the younger Annuitant. The
Withdrawal Factor will be fixed on the earlier of the Valuation Day of the
first withdrawal and the Valuation Day your Contract Value is less than or
equal to [13/12 multiplied by the most recently calculated Withdrawal Limit].

Benefit Base

The Benefit Base is an amount used to establish the Withdrawal Limit. The
Benefit Base on the Contract Date is equal to the initial Purchase Payment. On
each Valuation Day, the Benefit Base is the greatest of the Purchase Payment
Benefit Amount, the Roll-Up Value and the Maximum Anniversary Value. The
Benefit Base may change as a result of a Purchase Payment, withdrawal, or reset
as described below.

Purchase Payments

Purchase Payments applied to your Contract before the [1/st/] Contract
anniversary will adjust your Purchase Payment Benefit Amount and may adjust
your Roll-Up Value as described in the Roll-Up Value section below. You must
allocate all Purchase Payments and Contract Value to the Investment Strategy at
all times. Additional Purchase Payments made on or after the [1/st/] Contract
anniversary will be applied to your Contract Value but will not adjust the
Purchase Payment Benefit Amount and/or Roll-Up Value.

Purchase Payment Benefit Amount

The Purchase Payment Benefit Amount will equal your Purchase Payment(s) made
before the [1/st/] Contract anniversary.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Purchase Payments Benefit Amount will be reduced on a
pro-rata basis by the excess amount as described in the Excess Withdrawals
section below.

Roll-Up Value

The Roll-Up Value on the Contract Date is equal to the initial Purchase
Payment. We will increase your Roll-Up Value on each day. On any day before and
including the [1/st/] Contract anniversary, the Roll-Up Value is equal to the
sum of (a) and (b), multiplied by (c), where:

     (a) is the Roll-Up Value on the prior day;

     (b) is any Purchase Payment(s) made on the prior Valuation Day; and

     (c) is the daily roll-up factor shown on the Contract Data Pages.

On any day after the [1/st/] Contract anniversary, the Roll-Up Value is equal
to (a) multiplied by (b), where:

     (a) is the Roll-Up Value on the prior day; and

     (b) is the daily roll-up factor shown on the Contract Data Pages.

The Roll-Up Value will continue to increase until the date of the first
withdrawal or the [10/th/] anniversary of the Contract Date.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Roll-Up Value will be reduced on a pro-rata basis by the
excess amount as described in the Excess Withdrawals section below. The Roll-Up
Value will not increase after this date.

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Maximum Anniversary Value and Reset

The Maximum Anniversary Value on the Contract Date is equal to the initial
Purchase Payment. On each Contract anniversary, if the Contract Value is
greater than the current Maximum Anniversary Value, the Maximum Anniversary
Value will be increased to the Contract Value. If this day is not a Valuation
Day, this reset will occur on the next Valuation Day.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Maximum Anniversary Value will be reduced on a pro-rata
basis by the excess amount as described in the Excess Withdrawals section below.

On the Valuation Day we reset your Maximum Anniversary Value, we will reset the
Investment Strategy to the current Investment Strategy and reset the charges
for this rider. The new charges, which may be higher than your previous
charges, will never exceed the maximum annual charge of 2.50% of the Benefit
Base.

Resets will occur automatically unless such automatic resets are or have been
terminated as described below.

Automatic resets will continue until and unless:

     (a) you submit a written request to terminate automatic resets (such
         request must be received at least [15 days] prior to the Contract
         anniversary date);

     (b) the Investment Strategy changes, allocations are affected, and we do
         not receive confirmation of new allocations;

     (c) the Annuity Commencement Date is reached; or

     (d) there is a change in ownership of the Contract.

If automatic resets have terminated, you may later reinstate automatic resets
for any future Contract anniversary by submitting a written request to do so;
provided you are following the Investment Strategy and you have not reached the
Annuity Commencement Date.

Any change to the charges or to the required Investment Strategy for this rider
will be communicated to you in writing prior to the Contract anniversary date.
Upon reset, these changes will apply. The reset provision will end if, on the
Contract anniversary, any Annuitant is older than the maximum reset age as
shown on the Contract Data Pages.

Excess Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals within a Benefit Year is
in excess of the Withdrawal Limit, your Purchase Payment Benefit Amount,
Roll-Up Value and Maximum Anniversary Value will be recalculated to reflect a
pro-rata reduction for each dollar that is in excess of your Withdrawal Limit.
Your new Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary
Value after such a withdrawal will be calculated by multiplying each of (a) by
(b), divided by (c), where:

     (a) is the Purchase Payment Benefit Amount, Roll-Up Value and Maximum
         Anniversary Value before the Gross Withdrawal;

     (b) is the Contract Value after the Gross Withdrawal; and

     (c) is the Contract Value before the Gross Withdrawal reduced by any
         remaining Withdrawal Limit.

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For purposes of (c) above, "any remaining Withdrawal Limit" is the Gross
Withdrawal that could have been taken without exceeding the Withdrawal Limit.

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.

Required Minimum Distributions

If the required minimum distribution amount, attributable to the Contract
Value, calculated for a calendar year (RMD amount), exceeds the Withdrawal
Limit for the Benefit Year within which the calendar year begins (current
Benefit Year), the excess, if distributed, will not be treated as an excess
withdrawal for the current Benefit Year. If the RMD amount is not distributed
in the current Benefit Year, the lesser of amount (a) or (b), if distributed,
will not be treated as an excess withdrawal for the subsequent Benefit Year,
where:

     (a) is the difference between the RMD amount and the sum of withdrawals
         made during the current Benefit Year; and

     (b) is the difference between the RMD amount and the Withdrawal Limit for
         the current Benefit Year.

As used in this provision, the RMD amount shall not exceed the RMD amount
calculated under the Internal Revenue Code [of 1986] and regulations issued
thereunder, as in effect on the Contract Date.

The RMD amount for a Joint Annuitant for years after the year of death of the
Annuitant shall be determined under the life expectancy method as provided in
the Internal Revenue Code [of 1986] and regulations issued thereunder, as in
effect on the Contract Date.

Reduction in Contract Value

After taking a withdrawal, your Contract Value may be less than the amount
required to keep your Contract in effect. In this event, or if your Contract
Value is less than or equal to [13/12 multiplied by the most recently
calculated Withdrawal Limit], the following will occur:

   .   If the Withdrawal Limit is less than [$100], we will pay you the greater
       of the following:

         (a) the Contract Value; and

         (b) a lump sum equal to the present value of future lifetime payments
             in the amount of the Withdrawal Limit calculated using the 2000
             Annuity Mortality Table and an interest rate of [3%].

   .   If the Withdrawal Limit is greater than or equal to [$100], we will
       begin Income Payments. We will make payments of a fixed amount for the
       life of the Annuitant or, if there are Joint Annuitants, the last
       surviving Annuitant. The fixed amount payable annually will equal the
       most recently calculated Withdrawal Limit. We will make payments monthly
       unless agreed otherwise. If the monthly amount is less than [$100], we
       will reduce the frequency, to no less frequently than annually, so that
       the payment will be at least [$100].

       For purposes of this provision, the first annuity year is the period of
       time between the date we begin Income Payments and the next Contract
       anniversary. Subsequent annuity years are the one-year periods beginning
       on each Contract anniversary. Income Payments in the first annuity year
       are adjusted for withdrawals taken since the last

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<PAGE>

       Contract anniversary. The total of all Income Payments made in the first
       annuity year will equal the greater of zero and (a) minus (b), where:

         (a) is the most recently calculated Withdrawal Limit; and

         (b) is any withdrawal(s) made since the last Contract anniversary.

Death Provisions

At the death of any Annuitant, a Death Benefit may be payable under the
Contract. The Death Benefit, if any, will be paid according to the distribution
rules under the Contract. All other death provisions under the Contract and any
optional death benefit riders, including distribution rules, apply.

If the designated beneficiary is a surviving spouse who is an Annuitant and who
elects to continue the Contract as the Owner, this rider will continue. The
Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary Value
will be the same as it was under the Contract for the deceased Owner. If no
withdrawals were taken prior to the first Valuation Day we receive due proof of
death and all required forms at our [Service Center], the Withdrawal Factor for
the surviving spouse will be established based on the age of the surviving
spouse on the date of the first Gross Withdrawal for the surviving spouse.
Otherwise, the Withdrawal Factor will continue as it was under the Contract for
the deceased Owner.

If the designated beneficiary is not an Annuitant this rider will not continue.
The rider and the rider charge will terminate.

Rider Charge

A charge will be assessed for the guaranteed minimum withdrawal benefit. The
charge for the guaranteed minimum withdrawal benefit is calculated [quarterly]
as a percentage of the Benefit Base and deducted [quarterly] from the Contract
Value. The charge is shown on the Contract Data Pages. We may apply a different
charge for the rider for a Contract that is a single Annuitant contract and a
Contract that is a Joint Annuitant contract. Once a Contract is a Joint
Annuitant contract and the Joint Annuitant rider charge is applied, the Joint
Annuitant rider charge will continue while the rider is in effect. If a spouse
is added as Joint Annuitant after the Contract is issued, a new charge may
apply. This new charge may be higher than the charge previously applied to your
Contract. The charge for this rider will never exceed the maximum charge of
2.50%. On the day the rider and/or the Contract terminates, the charge for this
rider will be calculated, prorata, and deducted.

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. You
may terminate this rider apart from the Contract on any Contract anniversary on
or after the [7/th/] Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

You may assign the benefits provided under this rider. The Annuitant(s) will
not change if you assign benefits. We must be notified in writing if you assign
the benefits of this rider.

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<PAGE>

Issue Age

This rider is only available if all Annuitants are no younger than age [50] and
no older than age [85] on the Contract Date.

General Provisions

For purposes of this rider:

   .   A non-natural entity Owner must name an Annuitant and may name the
       Annuitant's spouse as a Joint Annuitant.

   .   An individual (natural person) Owner must also be an Annuitant and may
       name his/her spouse as Joint Annuitant at issue.

   .   A Joint Owner must be the Owner's spouse.

   .   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 Genworth Life Insurance Company of New York,

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

                                      8

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