Document:

RELIASTAR
LIFE INSURANCE COMPANY                                       SIMPLE INDIVIDUAL
OF NEW YORK                                                  RETIREMENT
                                                             ANNUITY RIDER
A stock company
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This Certificate is issued as a Simple Retirement Account intended to qualify as
such under Section 408(p) of the Internal Revenue Code, as amended (the "Code").
The Certificate is established for the exclusive benefit of the Owner and the
beneficiaries named. The Certificate has been applied for with the written
consent of the Owner (employee) on the enrollment form for the Certificate.

In the event of any conflict between the provision of this Rider and the
Certificate to which it is attached, the provisions of this Rider will control.
ReliaStar Life Insurance Company of New York ("ReliaStar" or "the Company")
reserves the right to amend the Certificate and Rider as necessary to comply
with applicable tax requirements. Any such changes will apply uniformly to all
Certificate that are affected and the Owner will have the right to accept or
reject such changes.

CONTRIBUTIONS

The premiums applicable to the Certificate will be applied to accumulate a
retirement savings fund for the Owner. The only contributions allowed under the
Certificate will be those made in accordance with a Qualified Salary Reduction
Arrangement as described in Section 408(p) of the Code.

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

The Qualified Salary Reduction Arrangement pursuant to which contributions are
to be made to the Certificate will provide that all employees of the employer
who received at least $5,000 in compensation from the employer during any two
calendar years prior to the applicable year for which contributions are to be
made to the Certificate, and are reasonably expected to receive at least $5,000
in compensation during the applicable year for accounts established for them,
subject to the ability of the employer to exclude from eligibility requirements
certain union employees and non-resident aliens as provided in Section 410(b)(3)
of the Code.

The Qualified Salary Reduction Arrangement pursuant to which contributions are
to be made to the Certificate will provide that the employer must make the
contributions attributable to salary reduction agreements not later than the
close of the 30-day period following the last day of the month with respect to
which the contributions are to be made, and will make the employer-matching
contributions or the employer nonelective contributions not later than the date
described in Section 404(m)(2)(B) of the Code. The Qualified Salary Reduction
Arrangement will further provide that the employee may elect to terminate
participation in such arrangement at any time during the year, and that each
employee eligible to participate may elect, during the 60-day period before the
beginning of any year (and the 60-day period before the first day such employee
is eligible to participate) to participate in the arrangement, or to modify the
amounts subject to such arrangement, for such year.

FG-RA-1026-08/97

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NONFORFEITABILITY AND NONTRANSFERABILITY

The Owner's Simple Retirement Account will be 100% nonforfeitable at all times
and will be maintained for the exclusive benefit of the Owner and the
beneficiaries named. This Simple Retirement Account may not be attached or
alienated except where permitted by law.

The Owner may not transfer ownership of any part or all of this Simple
Retirement Account at any time, or pledge any part of it or use any part of it
as collateral.

MINIMUM DISTRIBUTION RULES

(a)     Required minimum annual distributions must commence to the Owner no
        later than April 1st of the calendar year following the calendar year in
        which the Owner attains age 70 1/2. The method of distribution elected
        must insure that the entire interest of the Owner must be distributed by
        that date. Alternatively, the distribution method elected must commence
        by that date and provide that the Owner's entire interest be distributed
        over a period not to exceed:

        (i)  the life expectancy of the Owner or the joint and last survivor
             expectancy of the Owner and the designated beneficiaries; or,

        (ii) a period certain not in excess of the life expectancy of the Owner
             or the joint and last survivor expectancy of the Owner and the
             designated beneficiaries.

        All distributions made hereunder will be made in accordance with the
        requirements of section 401(a)(9) of the Code, including the incidental
        death benefit requirements of section 401(a)(9)(G) of the Code, and the
        regulations thereunder, including the minimum distribution incidental
        benefit requirement of section 1.401(a)(9)-2 of the Income Tax
        Regulations.

        In addition, payments must be either nonincreasing or they may increase
        only as provided in Q&A F-3 of section 1.401(a)(9)-1 of the Income Tax
        Regulations.

(b)     All payments are to be made in equal annual installments, except where a
        cashout accelerates payment. There is no account balance, which would
        vary from year to year, as in a 408(a) IRA.

(c)     Life expectancy is computed by use of the expected return multiples
        in Tables V and VI of section 1.72-9 of the Income Tax Regulations.
        Unless otherwise elected by the individual by the time distributions
        are required to begin, life expectancies will be recalculated annually.
        Such election will be irrevocable by the individual and will apply to
        all subsequent years.  The life expectancy of non-spouse beneficiary
        may not  be recalculated.  Instead, life expectancy will be calculated
        using the attained age of such beneficiary during the calendar year in
        which the beneficiary attains age 70 1/2, and payments for subsequent
        years will be calculated based on such life expectancy reduced by one
        for each calendar year which has elapsed since the calendar year life
        expectancy was first calculated.

(d)     In the event the Owner dies before distribution of his or her interest
        commences under this Simple Retirement Account, 100% of the balance will
        be distributed to the beneficiaries named. Distribution will be
        completed no later than the last day of the calendar year in which the
        fifth anniversary of the Owner's death occurs. If the individual's
        interest is payable to a designated beneficiary, then the entire
        interest of the individual may be distributed over the life or over a
        period certain not greater than the life expectancy of the designated
        beneficiary commencing on or before December 31 of the calendar year
        immediately following the calendar year in which the individual died.
        The designated beneficiary may elect at any time to receive greater
        payments.

(e)     In the event the Owner dies after the commencement of benefits to him
        under this Simple Retirement Account, distribution of the remaining
        benefits will be made to the beneficiaries named in a method at least as
        rapid as that in effect as of the date of the Owner's death.
        Commencement of distributions under this section to the beneficiaries
        must be not later than the last day of the calendar year in which occurs
        the first anniversary of the Owner's death.

FG-RA-1026-08/97                       2

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(f)    The provisions of (d) and (e) will not apply were the beneficiary is the
       Owner's surviving spouse. The surviving spouse may elect to delay
       commencement of required distributions until the December 31st of the
       calendar year in which the deceased Owner would have attained age 70 1/2.
       Alternatively, the surviving spouse may elect to rollover the entire
       balance of the deceased Owner's Simple Retirement Account to the
       surviving Spouse's Individual Retirement Account

       Life expectancy is computed by use of the expected return multiples in
       Tables V and VI of section 1.72-9 of the Income Tax Regulations. For
       purposes of distributions beginning after the individual's death, unless
       otherwise elected by the surviving spouse by the time distributions are
       required to begin, life expectancies will be recalculated annually.

       Such election will be irrevocable by the surviving spouse and will apply
       to all subsequent years. In the case of any other designated beneficiary,
       life expectancies will be calculated using the attained age of such
       beneficiary during the calendar year in which distributions are required
       to begin pursuant to this section, and payments for any subsequent
       calendar year will be calculated based on such life expectancy reduced by
       one for each calendar year which has elapsed since the calendar year life
       expectancy was first calculated.

       Distributions under this section are considered to have begun if
       distributions are made on account of the individual reaching his or her
       required beginning date or if prior to the required beginning date
       distributions irrevocably commence to an individual over a period
       permitted and in an annuity form acceptable under section 1.401(a) (9) of
       the Regulations.

(g)    The designated beneficiary may elect to receive greater payments than
       those required under this section. If there is more than one beneficiary,
       the designated beneficiary will be that person with the shortest life
       expectancy for the purposes of determining the distribution period.

(h)    For purposes of this Section, any amounts paid to a minor child of the
       Owner will be treated as having been paid to the surviving spouse if the
       remainder of the Simple Retirement Account is payable to the surviving
       spouse when the child attains the age of majority.

REPORTS

       The issuer of a simple retirement account will furnish annual calendar
       year reports concerning the status of the account.

      President  /S/ Chris Schreier         Secretary  /S/ Paula Cludray-Engelke

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                  Variable Products
                  Customer Service Center
                  1475 Dunwoody Drive
                  West Chester, PA 19380
                  1-800-963-9539

FG-RA-1026-08/97                       3RELIASTAR                                                          403(B) RIDER
LIFE INSURANCE COMPANY
OF NEW YORK
A Stock company..

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On the basis of the application for which this Certificate is issued and to
which this Rider is attached, the Certificate is intended to qualify under
Section 403(b) of the Interal Revenue Code. This Certificate is established for
the exclusive benefit of the Owner and its beneficiaries.

In the event of any conflict between the provisions of this Rider and the
Certificate, the provisions of this Rider will control. ReliaStar Life Insurance
Company of New York ("ReliaStar" or "the Company") reserves the right to amend
the Certificate and Rider as necessary to comply with applicable tax
requirements. Any such changes will apply uniformly to all certificates that are
affected and the Owner will have the right to accept or reject such changes.

(1)      DEFINITIONS.  Words and phrases used in the Certificate have the same
         meaning when used in this Rider.  The words shown below have the
         meanings stated.

          (a)  "IRC" means the United States Internal Revenue Code of 1986, as
               amended from time to time.

          (b)  "EMPLOYEE OR OWNER" means the Owner of the Certificate to which
               this Rider is attached.

          (c)  "DESIGNATED BENEFICIARY" means the beneficiary named by the Owner
               in the Certificate.

(2)      This Certificate is nontransferable. Other than to us, it 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.

(3)      This Certificate is valid only if it is purchased:

          (a)  For an employee by an employer as described in IRC Section
               501(c)(3) which is exempt from income tax under IRC Section
               501(a); or

          (b)  For an employee who performs services for an educational
               organization described in IRC Section 170(b)(1)(A)(ii) by an
               employer which is a state, a political subdivision of a state or
               an agency or instrumentality of a state or political subdivision
               thereof; or

          (c)  By an employee in a rollover or a direct transfer as permitted by
               IRC Sections 403(b)(8), 403(b)(10), and 408(d)(3).

FG-RA-1030-08/01

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(4)    The premium payments applicable to this Certificate must be attributable
       to the employee's salary reduction agreement, or to permitted employer
       contributions, except in the case of a rollover contribution or a direct
       transfer by an employee (as permitted by IRC Section 403(b)(8),
       403(b)(10), and 408(d)(3)). The premium payment must be in cash. The
       total of such premium payments cannot exceed the lesser of:

          (a)  $9,500; or

          (b)  the exclusion allowance described in IRC Section 403(b)(2), as
               amended, for any taxable year; and, in no event exceeding any
               limits set forth in IRC Section 401(a)(30), 402(g), 403(b)(2) and
               415. Premiums may be refunded when necessary to comply with IRC
               Section 403(b).

(5)    Distribution of the assets of this Certificate may not be made before the
       Owner:

          (a)  Attains age 59-1/2; or

          (b)  Separates from the service; or

          (c)  Dies; or

          (d)  Becomes disabled.

       In the case of financial hardship, distributions of premiums paid (not
       earnings) may be made before (a), (b), (c), or (d) above.

(6)    Not withstanding any provision of this Rider to the contrary, the
       distribution of an individual's interest will be made under the minimum
       distribution requirements of IRC Section 403(b)(10) including:

          (a)  Any regulations under that Section; and

          (b)  The incidental death benefit provisions of IRC Section 401(a)(9)
               and any regulations under that Section.

(7)    The Owner's entire interest in the account must be distributed, or begin
       to be distributed, by the Owner's required beginning date. The Owner's
       required beginning date is the April 1st following the calendar year in
       which the Owner reaches age 70 1/2 or retires, which ever occurs first.
       (For Owners covered by governmental or church plans, the required
       beginning date is the later of: (a) April 1st of the calendar year after
       the attainment of age 70 1/2; or (b) April 1st following the calendar
       year of retirement.) For each succeeding year, a distribution must be
       made on or before December 31st. By the required beginning date the Owner
       may elect to have the balance in the account distributed in one of the
       following forms:

          (a)  To the Owner of this Certificate in a single payment; or

          (b)  To the Owner as a life annuity (which may provide for a minimum
               term certain period not extending beyond the life expectancy of
               the Owner); or

          (c)  To the Owner and the Owner's Designated Beneficiary, as a joint
               and survivor annuity (which may provide for a minimum term
               certain period not extending beyond the life expectancy of the
               Owner and the Designated Beneficiary) in equal or substantially
               equal amounts; or

FG-RA-1030-08/01                       2

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          (d)  To the Owner as an annuity certain not extending beyond the life
               expectancy of the Owner; or

          (e)  If the Owner has a living Designated Beneficiary, to the Owner as
               an annuity certain not extending beyond the joint life expectancy
               of the Owner and the Owner's Designated Beneficiary in equal or
               substantially equal amounts.

       If the Owner's entire interest is to be distributed in a manner other
       than set forth in (a) above, then the minimum distribution that must be
       made each year will be determined by dividing the Owner's entire interest
       by the Owner's life expectancy. In the case of (c) above, the entire
       interest will be divided by the joint and last survivor expectancy of the
       Owner and the Designated Beneficiary.

       If the Owner's Designated Beneficiary is someone other than the Owner's
       spouse, then the minimum distribution that must be made each year will be
       not less than the amount obtained by dividing the Owner's entire interest
       by the joint and last survivor expectancy of the Owner and the Owner's
       Designated Beneficiary, whose life expectancy in making the calculation
       will not be more than ten (10) years less than the Owner.

       Life expectancy and joint and last survivor expectancy are computed by
       use of the return multiples contained in Section 1.72-9 of the IRC
       Regulations. For this computation, the Owner's life expectancy (and the
       life expectancy of the Owner's spouse) may be recalculated, but no more
       frequently than annually. The life expectancy of a non-spouse Designated
       Beneficiary may not be recalculated.

(8)    With respect to any amount, which upon the death of the Owner, becomes
       payable under any supplementary contract issued in exchange for this
       Certificate, no provision of this Certificate or such supplementary
       contract will be applicable to the extent that it permits or provides for
       settlement of such amount in any manner other than as set forth in (a) or
       (b) below:

          (a)  If the Owner dies after distribution of the Owner's interest has
               commenced, the remaining portion of such interest will continue
               to be distributed at least as rapidly as under the method of
               distribution being used prior to the Owner's death.

          (b)  If the Owner dies before distribution of the Owner's interest
               commences, the Owner's entire interest will be distributed in
               accordance with one of the following provisions:

               (i)  The Owner's entire interest will be paid in one sum by
                    December 31 of the fifth (5th) year after the date of death;
                    or in a series of payments which will be completed by
                    December 31 of the fifth (5th) year after the date of death.

               (ii) If the Owner's interest is payable to the Designated
                    Beneficiary, and the Owner has not elected (i) above, then
                    the entire interest will be distributed in substantially
                    equal installments over the life or life expectancy of the
                    Designated Beneficiary. Distribution must begin no later
                    than December 31 of the year following the year the Owner
                    dies.

               (iii) If the Designated Beneficiary of the Owner is the Owner's
                    surviving spouse, distribution must begin by December 31 of
                    the later of:

                    (a)  The year immediately following the year the Owner dies;
                         or

                    (b)  The year in which the Owner would have attained age 70
                         1/2.

                    Payments can be received over the life or life expectancy of
                    the surviving spouse.

FG-RA-1030-08/01                       3

<PAGE>

       For the purposes of the above, payments will be calculated by use of the
       return multiples specified in Section 1.72-9 of the IRC Regulations. Life
       expectancy of a surviving spouse may be recalculated annually. In the
       case of any other Designated Beneficiary, life expectancy will be
       recalculated at the time payment first commences. Payments for each
       subsequent 12-consecutive month period will be based on such life
       expectancy minus the number of whole years passed since distribution
       first commenced.

       For purposes of this requirement, any amount paid to a child of the Owner
       will be treated as if it had been paid to the surviving spouse if the
       remainder of the interest becomes payable to the surviving spouse when
       the child reaches the age of majority.

(9)    This paragraph applies to distributions made on or after January 1, 1993.
       Notwithstanding any provision of this Certificate to the contrary that
       would otherwise limit an Owner's election under this Certificate, an
       Owner may elect, at any time and in any manner prescribed by us, but
       subject to the distribution restrictions of paragraph 5, to have any
       portion of an eligible rollover distribution paid directly to an eligible
       retirement plan specified by the Owner in a direct rollover.

       For the purpose of this paragraph, the following definitions apply:

          (a)  ELIGIBLE ROLLOVER DISTRIBUTION is any distribution of all or any
               portion of the balance to the credit of the Owner, not including:

               (i)  Any distribution that is one of a series of substantially
                    equal periodic payments (not less frequently than annually)
                    made for the life or life expectancy of the Owner or the
                    joint lives or joint life expectancies of the Owner and the
                    Designated Beneficiary, or for a specified period of ten
                    (10) years or more; or

               (ii) Any distribution to the extent such distribution is required
                    under IRC Sections 401(a)(9) or 403(b)(10); and

               (iii) The portion of any distribution that cannot be included in
                    gross income.

          (b)  ELIGIBLE RETIREMENT PLAN is:

               (i)  An annuity described in IRC Section 403(b);

               (ii) An individual retirement account described in IRC Section
                    408(a); or

               (iii) An individual retirement annuity described in IRC Section
                    408(b).

               However, in the case of an Eligible Rollover Distribution to the
               surviving spouse, an eligible retirement plan is (ii) or (iii)
               above.

          (c)  DIRECT ROLLOVER is a payment by us to the Eligible Retirement
               Plan specified by the Owner.

          (d)  OWNER, for the purposes of this paragraph, includes the Owner's
               surviving spouse and the Owner's spouse or former spouse who is
               an alternate payee under a qualified domestic relations order, as
               defined in IRC Section 414(p).

(10)   This Certificate will be for the exclusive benefit of the Owner or the
       Designated Beneficiary. The Owner's rights under this Certificate will be
       nonforfeitable.

FG-RA-1030-08/01                       4

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(11) Effective for years beginning after December 31, 1988, except in the case
of a contract purchased by a church, no premium payments applicable to this
Certificate can be made unless all employees of the employer may elect to have
employer make contributions of more than $200 under a salary reduction
agreement.

For purposes of this paragraph any employee who is a participant in (a), (b) or
(c) below may be excluded.

     (a)  An eligible deferred compensation plan under IRC Section 457;

     (b)  A qualified cash or deferred arrangement; or

     (c)  Another IRC Section 403(b) annuity contract.

In addition, any nonresident aliens and students who normally work less than
twenty (20) hours per week may be excluded.

The issue date (effective date) of this amendment is the Certificate Issue Date
unless another date is shown.

SIGNED FOR RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK:

      President  /S/ Chris Schreier        Secretary  /S/ Paula Cludray-Engelke

FG-RA-1030-08/01                       5

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