Document:

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                                                     EXHIBIT 4(c)

        ----GOLDEN                             SINGLE PREMIUM
     -------AMERICAN                           DEFERRED MODIFIED
   ---------LIFE INSURANCE                     GUARANTEED ANNUITY
       -----COMPANY                            CERTIFICATE

Golden American is a stock company domiciled in Delaware.
------------------------------------------------------------------------------
|----------------------------------------------------------------------------|
|Contractholder                                   Group Contract Number      |
|[GOLDEN INVESTORS TRUST]                         [G000018-OE]               |
|----------------------------------------------------------------------------|
|Annuitant               Owner                           |
|[THOMAS J. DOE]         [JOHN Q. DOE]                       |
|----------------------------------------------------------------------------|
|Single Premium          Annuity Option           Annuity Commencement Date  |
|[$10,000]               [LIFE 10-YEAR CERTAIN]   [JANUARY 1, 2026]          |
|----------------------------------------------------------------------------|
|Separate Account(s)                              Certificate Number         |
|[FIXED ACCOUNT]                                  [123456]                   |
|----------------------------------------------------------------------------|

In this Certificate you or your refers to the Owner shown above.  We,
our or us refers to Golden American Life Insurance Company.

This Certificate describes the benefits and provisions of the group
contract.  The group contract, as issued to the Contractholder by us
with any Riders or Endorsements, alone makes up the agreement under
which benefits are paid.  The group contract may be inspected at the
office of the Contractholder.  In consideration of the payment of
premiums, we agree, subject to the terms and conditions of the group
contract, to provide the benefits described in this Certificate to the
Owner.  The Annuitant under this Certificate must be eligible under
the terms of the group contract.  If the group contract and this
Certificate are in force, we will make income payments to the Owner
starting on the Annuity Commencement Date as shown in the Schedule.
If the Owner dies prior to the Annuity Commencement Date, we will pay
a death benefit to the Beneficiary.  The amount of such benefit is
subject to the terms of this Certificate.

The benefits of the Certificate will be paid according to the
provisions of the Certificate and group contract.

RIGHT TO EXAMINE THIS CERTIFICATE: YOU MAY RETURN THIS CERTIFICATE TO
US OR THE AGENT THROUGH WHOM YOU PURCHASED IT WITHIN 10 DAYS AFTER YOU
RECEIVE IT.  IF SO RETURNED, WE WILL TREAT THE CERTIFICATE AS THOUGH
IT WERE NEVER ISSUED.  UPON RECEIPT WE WILL PROMPTLY REFUND THE
ACCUMULATION VALUE, ADJUSTED FOR ANY MARKET VALUE ADJUSTMENT.

ALL PAYMENTS AND VALUES PLACED IN THE FIXED ACCOUNT MAY BE SUBJECT TO
A MARKET VALUE ADJUSTMENT, THE OPERATION OF WHICH MAY CAUSE SUCH
PAYMENTS AND VALUES TO INCREASE OR DECREASE.

Signed for Golden American Life Insurance Company on the Certificate Date.

Customer Service Center       Secretary: /s/ Myles R. Tashman
1475 Dunwoody Drive                     ---------------------
West Chester, PA  19380       President:/s/ Barnett Chernow
                    ---------------------
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SINGLE PREMIUM DEFERRED MODIFIED GUARANTEED ANNUITY CERTIFICATE
Annuity benefit payable at Commencement Date.  Death benefit payable
in event of the Owner's death prior to Commencement Date. Benefits
guaranteed if the Certificate is held for a period equal to the
current Guarantee Period.  The Cash Surrender Values are based on a
separate account Market Value Adjustment formula if the annuity is
held for a shorter period.  CASH SURRENDER VALUES MAY INCREASE OR
DECREASE BASED ON THE MARKET VALUE ADJUSTMENT FORMULA. Nonparticipating.

GA-CA-1070                                                     6/00

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                         CERTIFICATE CONTENTS
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THE SCHEDULE......................3   YOUR CERTIFICATE BENEFITS......10

  Charges and Fees................3   Cash Surrender Value Benefit
  Income Plan Factors.............3A  Partial Withdrawal Option
                                      Proceeds Payable to the
IMPORTANT TERMS...................4   Beneficiary
                                      Exemption of Benefits
INTRODUCTION TO THIS CERTIFICATE..6
                                      CHOOSING AN INCOME PLAN........12
  The Certificate
  The Owner                           Annuity Benefits
  The Annuitant                       Annuity Commencement Date Selection
  The Beneficiary
  Change of Owner or Beneficiary      Frequency Selection
                                      The Income Plan
HOW WE MEASURE THE CERTIFICATE'S      The Annuity Options
ACCUMULATION VALUE................8   Payment When Named Person Dies

  Single Premium Payment              OTHER IMPORTANT INFORMATION....14
  Accumulation Value
  Fixed Account                       Entire Contract
  Guarantee Periods                   Sending Notice to Us
  Market Value Adjustments            Reports to Owner
                                      Assignment - Using this Certificate as
                                        Collateral Security
                                      Changing this Certificate
                                      Certificate Changes-Applicable Tax Law
                                      Misstatement of Age or Sex
                                      Non-Participating
                                      Payments We May Defer
                                      Authority to Make Agreements
                                      Required Note on Our Computations

Copies of any additional riders and endorsements are at the back of this
 Certificate.

   THE SCHEDULE

   The Schedule gives specific facts about this Certificate and its
   coverage.  Please refer to the Schedule while reading this Certificate.

GA-CA-1070                        2                            6/00

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                             THE SCHEDULE
                           CHARGES AND FEES
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|----------------------------------------------------------------------------|
|Annuitant                Owner                    Joint Owner               |
|[THOMAS J. DOE]          [JOHN Q. DOE]            [JANE P. DOE]             |
|----------------------------------------------------------------------------|
|Annuitant's Issue Age    Annuitant's Sex          Owner's Issue Age         |
|[55]                     [MALE]                   [35]                      |
|----------------------------------------------------------------------------|
|Single Premium Paid      Annuity Option           Annuity Commencement Date |
|[$10,000]                [LIFE 10-YEAR CERTAIN]   [JANUARY 1, 2026]         |
|----------------------------------------------------------------------------|
|Certificate Date         Issue Date               Residence State           |
|[JANUARY 1, 1996]        [JANUARY 1, 1996]        [DELAWARE]                |
|----------------------------------------------------------------------------|
|Initial Guarantee Period Initial Guaranteed       Certificate Number        |
|[10 YEARS]               Interest Rate            [123456]                  |
|                         [6.0%]                                             |
|----------------------------------------------------------------------------|
|Separate Account(s)                                                         |
|[FIXED ACCOUNT]                                                             |
|----------------------------------------------------------------------------|

Surrender Charges
The Surrender Charge is imposed if the Certificate is surrendered or an
excess Partial Withdrawal is taken at any time other than the 30 days
immediately preceding the Maturity Date of a Guarantee Period.  The
Surrender Charge is calculated as a percentage of the Accumulation
Value withdrawn or surrendered, adjusted by the Market Value
Adjustment.  Surrender Charges vary according to the duration of the
Guarantee Period.  The Surrender Charges are 8% in the first year,
then decrease by 1% per year thereafter until the end of the Guarantee
Period as shown in the following schedule:

YEAR IN
GUARANTEE PERIOD    1    2    3    4    5    6    7    8    9    10
--------------------------------------------------------------------
    %              8.0  7.0  6.0  5.0  4.0  3.0  2.0  1.0  0.0   0.0

Surrender Charges restart at the beginning of each Guarantee Period for
the life of the Certificate.  We currently offer Guarantee Periods of
[1, 3, 5, 6, 7, 8, 9, and 10] year(s).

Premium Taxes
We deduct the amount of any Premium or other state and local taxes
levied by any state or governmental entity when such taxes are
incurred.

We reserve the right to defer collection of Premium Taxes until
surrender or until the application of Accumulation Value to an Annuity
Option.  An excess Partial Withdrawal will result in the deduction of
any Premium Tax then due us on such amount.  No interest will be
credited on Premium Tax deducted.  We reserve the right to change the
amount we charge for Premium Tax charges to conform with changes in the
law or if the Owner changes state of residence.

GA-CA-1070                        3                            6/00

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                             THE SCHEDULE
                          INCOME PLAN FACTORS
------------------------------------------------------------------------------
|----------------------------------------------------------------------------|
|Annuitant                 Owner                                             |
|[THOMAS J. DOE]           [JOHN Q. DOE]                                     |
|----------------------------------------------------------------------------|
|Single Premium Paid       Annuity Option          Annuity Commencement Date |
|[$10,000]                 [LIFE 10-YEAR CERTAIN]  [JANUARY 1, 2026]         |
|----------------------------------------------------------------------------|
|Separate Account(s)                              Certificate Number         |
|[FIXED ACCOUNT]                                  [123456]                   |
|----------------------------------------------------------------------------|

Minimum Monthly Annuity Income Payment:  $[20].

Values for other payment periods, ages or joint life combinations are
available on request.  Monthly payments are shown for each $1,000
applied with payments starting one month after proceeds have been
applied to the payment plan.

                  TABLE FOR INCOME FOR A FIXED PERIOD

Fixed Period   Monthly   Fixed Period   Monthly   Fixed Period  Monthly
 of Years       Income     of Years     Income     of Years     Income

   [5           17.95        14          7.28         23         5.00
   6            15.18        15          6.89         24         4.85
   7            13.20        16          6.54         25         4.72
   8            11.71        17          6.24         26         4.60
   9            10.56        18          5.98         27         4.49
   10            9.64        19          5.74         28         4.38
   11            8.88        20          5.53         29         4.28
   12            8.26        21          5.33         30         4.19]
   13            7.73        22          5.16

                       TABLE FOR INCOME FOR LIFE

                Male/Female         Male/Female         Male/Female
  Age        10 Years Certain    20 Years Certain      Refund Certain

  [50            $4.06/3.83          $3.96/3.77          $3.93/3.75
  55              4.43/4.14           4.25/4.05           4.25/4.03
  60              4.90/4.56           4.57/4.37           4.66/4.40
  65              5.51/5.10           4.90/4.73           5.12/4.83
  70              6.26/5.81           5.18/5.07           5.76/5.42
  75              7.11/6.70           5.38/5.33           6.58/6.19
  80              7.99/7.70           5.48/5.46           7.69/7.21
  85              8.72/8.59           5.52/5.51           8.72/8.59
  90              9.23/9.18           5.53/5.53         10.63/10.53]

GA-CA-1070                        3A                           6/00

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                            IMPORTANT TERMS
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ACCUMULATION VALUE - The Accumulation Value equals the Single Premium
Paid less Partial Withdrawals and any Premium Taxes accumulated with
interest.  Interest is calculated from the Certificate Date.

ANNUITANT - The person designated by the Owner to be the measuring
life in determining Annuity Payments.

ANNUITY COMMENCEMENT DATE - For each Certificate, the date on which
Annuity Payments begin.

ANNUITY OPTIONS - Options the Owner selects that determine the form
and amount of annuity payments.

ANNUITY PAYMENT - The periodic payment an Owner receives.  It may be
either a fixed or a variable amount based on the Annuity Option chosen.

BENEFICIARY - The person designated to receive benefits in the case of
the death of the Owner.

CASH SURRENDER VALUE - The amount the Owner receives upon surrender of
the Certificate.

CERTIFICATE ANNIVERSARY - The anniversary of the Certificate Date.

CERTIFICATE DATE - The date we received the Premium and upon which we
begin determining the Certificate values.  It may not be the same as
the Certificate Issue Date.  The Certificate Date is the date used to
determine Certificate months, processing dates, years, and
anniversaries.

CERTIFICATE ISSUE DATE - The date the Certificate is issued at our
Customer Service Center.

CERTIFICATE YEAR - The period between Certificate Anniversaries.

CONTINGENT ANNUITANT - The person designated by the Owner who, upon
the Annuitant's death prior to the Annuity Commencement Date, becomes
the Annuitant.

CONTRACT ISSUE DATE - The date the group contract is issued at our
Customer Service Center.

CONTRACTHOLDER - The entity to whom the group contract is issued.

GUARANTEE PERIOD - The period of years a rate of interest is
guaranteed to be credited to the Accumulation Value.

GUARANTEED INTEREST RATE - The effective annual interest rate which we
will credit for a specified Guarantee Period.

ISSUE AGE - The Annuitant's or Owner's age on the last birthday on or
before the Certificate Date.

MARKET VALUE ADJUSTMENT - A positive or negative adjustment. It may
apply if all or part of the Cash Surrender Value is withdrawn prior to
the Maturity Date of the Guarantee Period.

MATURITY DATE - The date on which a Guarantee Period matures.  The
Maturity Date is the last day of the last Certificate Year in the
Guarantee Period.

NONPARTICIPATING - This Certificate will not pay dividends. It will
not participate in any of our surplus or earnings.

GA-CA-1070                        4                            6/00

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                      IMPORTANT TERMS (continued)
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OWNER - The person (persons if there is a joint Owner, or entity if
the Owner is not an individual) who owns a Certificate and is entitled
to exercise all rights of the Certificate.  This person's death also
initiates payment of the death benefit.

PREMIUM - The payment amount required to put each Certificate in
effect.

PREMIUM TAX - Premium Tax means any tax or fee imposed or levied by
any federal or state government, or political subdivision thereof, on
the Premium of this Certificate.

GA-CA-1070                        5                            6/00

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                   INTRODUCTION TO THIS CERTIFICATE
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THE CERTIFICATE

This is a legal Certificate between you and us.  We provide benefits
as stated in this Certificate.  In return, you supply us with the
Single Premium Payment required to put this Certificate in effect.

This Certificate, together with any riders or endorsements,
constitutes the entire Certificate.  Riders and endorsements add
provisions or change the terms of the basic Certificate.

THE OWNER

You are the Owner of this Certificate.  You are also the Annuitant
unless another Annuitant has been named by you and is shown in the
Schedule.  You have the rights and options described in this
Certificate, including but not limited to the right to receive the
Annuity Benefits on the Annuity Commencement Date.

One or more people may own this Certificate. In the case of a sole
Owner who dies prior to the Annuity Commencement Date, we will pay the
Beneficiary the death benefit then due.  If the sole Owner is not an
individual, we will treat the Annuitant as Owner for the purpose of
determining when the Owner dies under the death benefit provision (if
there is no Contingent Annuitant), and the Annuitant's age will
determine the applicable death benefit payable to the Beneficiary.
The sole Owner's estate will be the Beneficiary if no Beneficiary
designation is in effect, or if the designated Beneficiary has
predeceased the Owner.  In the case of a joint Owner of the
Certificate dying prior to the Annuity Commencement Date, the
surviving Owner(s) will be deemed as the Beneficiary(ies).

THE ANNUITANT

The Annuitant is the measuring life of the Annuity Benefits provided
under this Certificate.  You may name a Contingent Annuitant.  The
Annuitant may not be changed during the Annuitant's lifetime.

If the Annuitant dies before the Annuity Commencement Date, the
Contingent Annuitant becomes the Annuitant.  You will be the
Contingent Annuitant unless you name someone else.  The Annuitant must
be a natural person.  If the Annuitant dies and no Contingent
Annuitant has been named, we will allow you sixty days to designate
someone other than yourself as an Annuitant.  If all Owners are not
individuals and, through the operation of this provision, an Owner
becomes Annuitant, we will pay the death proceeds to the Beneficiary.
If there are joint Owners, we will treat the youngest of the Owners as
the Contingent Annuitant designated, unless you elect otherwise.

THE BENEFICIARY

The Beneficiary is the person to whom we pay death proceeds if any
Owner dies prior to the Annuity Commencement Date.  See Proceeds
Payable to the Beneficiary for more information.  We pay death
proceeds to the primary Beneficiary (unless there are joint Owners in
which case the death benefit proceeds are payable to the surviving
Owner).  If the primary Beneficiary dies before the Owner, the death
proceeds are paid to the Contingent Beneficiary, if any.  If there is
no surviving Beneficiary, we pay the death proceeds to the Owner's
estate.

Unless otherwise provided, benefits will be paid as though the
Beneficiary died before the Owner if:

(1)  the Beneficiary dies at the same time as the Owner; or
(2)  within 24 hours of the Owner's death.

GA-CA-1070                        6                            6/00

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             INTRODUCTION TO THIS CERTIFICATE (continued)
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One or more persons may be named as primary Beneficiary or contingent
Beneficiary.  In the case of more than one Beneficiary, we will assume
any death proceeds are to be paid in equal shares to the surviving
Beneficiaries.  You can specify other than equal shares.

You have the right to change Beneficiaries, unless you designate the
primary Beneficiary irrevocable.  When an irrevocable Beneficiary has
been designated, you and the irrevocable Beneficiary may have to act
together to exercise the rights and options under this Certificate.

CHANGE OF OWNER OR BENEFICIARY

During your lifetime and while this Certificate is in effect you can
transfer ownership of this Certificate or change the Beneficiary.  To
make any of these changes, you must send us written notice of the
change in a form satisfactory to us.  The change will take effect as
of the day the notice is signed.  The change will not affect any
payment made or action taken by us before recording the change at our
Customer Service Center. See Proceeds Payable to Beneficiary.

GA-CA-1070                        7                            6/00

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HOW WE MEASURE THE CERTIFICATE'S ACCUMULATION VALUE
----------------------------------------------------------------------------

SINGLE PREMIUM PAYMENT

The Single Premium Payment is required to put this Certificate in
effect.  The amount of the Single Premium Payment is shown in the
Schedule.  If any check presented as payment of any part of the
Premium for this Certificate is not honored, this Certificate will be
void.

ACCUMULATION VALUE

The Accumulation Value equals the Single Premium Paid less any Partial
Withdrawals and any Premium Taxes accumulated with interest.  Interest
is calculated from the Certificate Date.

The rates of interest will be as we declare.  The Initial Guaranteed
Interest Rate will be credited each Certificate Year during the
Initial Guarantee Period.  Guaranteed Interest Rates will be
determined for subsequent Guarantee Periods at the beginning of that
period and credited each Certificate Year during the current Guarantee
Period.  Interest will be credited daily at a rate to yield the
declared annual Guaranteed Interest Rate.  The Initial Guaranteed
Interest Rate and any Guaranteed Interest Rates declared for
subsequent Guarantee Periods will not be less than 3%.

In case of a full or Partial Withdrawal, interest will be credited on
the portion of the Accumulation Value surrendered up to the date the
surrender is requested.  Accumulation Values at any date within a
Certificate Year will be determined by us with allowance for the time
elapsed in the Certificate Year.  No interest will be credited on any
Premium Tax deducted.

FIXED ACCOUNT

The Fixed Account is a separate account under state insurance law and
is not required to be registered with the Securities and Exchange
Commission under the Investment Company Act of 1940.  The Fixed
Account includes your Single Premium Paid which we credit with fixed
rates of interest for the Guarantee Period you select.  We reset the
interest rates for subsequent Guarantee Periods based on our sole
discretion.

GUARANTEE PERIODS

The Initial Guarantee Period is selected by you from among the
durations then being offered by the Company and is shown in The
Schedule on page 3.  The length of the Initial Guarantee Period will
determine the Initial Guaranteed Interest Rate.

Upon the expiry of a Guarantee Period, a subsequent Guarantee Period
will begin.  Each subsequent Guarantee Period will be the same length
as the previous Guarantee Period, unless a) the Owner elects a
different duration from among those then being offered by the Company;
or b) the new Guarantee Period would extend beyond the Annuity
Commencement Date then in effect.  If the period remaining from the
expiry of the previous Guarantee Period to the Annuity Commencement
Date is less than the period you have elected or the period expiring,
the next shortest period then available that will not extend beyond
the Annuity Commencement Date will be offered to you.

We will notify you prior to the Maturity Date of your options for
renewal.  In order to elect a different Guarantee Period, the Owner
must notify the Company in writing before the end of the 30-day period
immediately preceding the Maturity Date of the current Guarantee
Period.  The Owner may not select a Guarantee Period that would extend
beyond the Annuity Commencement Date then in effect.

We reserve the right to offer Guarantee Periods of durations other
than those available on the Certificate Date.  We also reserve the
right to cease offering a particular Guarantee Period or Periods.

GA-CA-1070                         8                        6/00

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    HOW WE MEASURE THE CERTIFICATE'S ACCUMULATION VALUE (continued)
----------------------------------------------------------------------------

MARKET VALUE ADJUSTMENTS

A Market Value Adjustment will be applied upon withdrawal or
application to an Income Plan if made more than 30 days prior to the
Maturity Date of the current Guarantee Period, except on free Partial
Withdrawal amounts as described on page 10.

Market Value Adjustments will be applied as follows:

(a) The Market Value Adjustment will be applied to the amount
    withdrawn before deduction of any applicable Surrender Charge.
(b) For a Partial Withdrawal, the Market Value Adjustment will be
    calculated on the total amount that must be withdrawn, in order to
    provide the amount requested.

The Market Value Adjustment is determined by multiplying the amount of
the Accumulation Value withdrawn by the following factor:

                         ((   1 +  I    ) N/365
                         ----------------
                         ( 1  + J  + .0050))           -1

Where I is the Index Rate on the first day of the applicable Guarantee
Period; J is the Index Rate for new Guarantee Periods equal to the
number of years (fractional years rounded up to the next full year)
remaining in the Guarantee Period at the time of the calculation; and
N is the remaining number of days in the Guarantee Period at the time
of calculation.

The Index Rate is the average of the Ask Yields for the U.S. Treasury
Strips as reported by a national quoting service for the applicable
maturity.  The average is based on the period from the 22nd day of the
calendar month two months prior to the calendar month of Index Rate
determination to the 21st day of the calendar month immediately prior
to the month of determination.  The applicable maturity date for these
U.S. Treasury Strips is on or next following the last day of the
Guarantee Period.  If the Ask Yields are no longer available, the
Index Rate will be determined using a suitable replacement method.

We currently set the Index Rate once each calendar month.  However, we
reserve the right to set the Index Rate more frequently than monthly,
but in no event will such Index Rate be based on a period less than 28
days.

GA-CA-1070                        9                            6/00

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                       YOUR CERTIFICATE BENEFITS
----------------------------------------------------------------------------

While this Certificate is in effect, there are important rights and
benefits that are available to you.  We discuss these rights and
benefits in this section.

CASH SURRENDER VALUE BENEFIT

Cash Surrender Value
The Cash Surrender Value, while the Annuitant is living and before the
Annuity Commencement Date, is determined as follows:
  (1)  We take the Certificate's Accumulation Value;
  (2)  We adjust for any applicable Market Value Adjustment;
  (3)  We deduct any Surrender Charges as shown on the Certificate Data Page;
  (4)  We deduct any charges shown in the Schedule that have been
       incurred but not yet deducted, including any applicable Premium Tax.

BEGINNING ON THE THIRTIETH DAY IMMEDIATELY PRECEDING THE MATURITY DATE
OF A GUARANTEE PERIOD THERE IS NO SURRENDER CHARGE OR MARKET VALUE
ADJUSTMENT.  A WRITTEN REQUEST BY THE OWNER FOR SURRENDER OR TRANSFER
TO ANOTHER GUARANTEE PERIOD MUST BE RECEIVED IN OUR CUSTOMER SERVICE
CENTER BEFORE THE END OF SUCH 30-DAY PERIOD OF THE INITIAL OR
SUBSEQUENT GUARANTEE PERIOD.  SURRENDER CHARGES AND THE MARKET VALUE
ADJUSTMENT APPLY TO EACH SUBSEQUENT GUARANTEE PERIOD.  SURRENDER
CHARGES FOR EACH SUBSEQUENT GUARANTEE PERIOD START AT 8% FOR THE FIRST
YEAR, THEN DECREASE BY 1% PER YEAR BEGINNING IN YEAR 2 UNTIL THE
MATURITY DATE OF THAT GUARANTEE PERIOD.

Canceling to Receive the Cash Surrender Value
At any time while the Annuitant is living and before the Annuity
Commencement Date, you may surrender this Certificate to us.  To do
this, you must return this Certificate with a signed request for
cancellation to our Customer Service Center.

The Cash Surrender Value will vary daily.   We will determine the Cash
Surrender Value as of the date we receive the Certificate and your
signed request in our Customer Service Center.  All benefits under
this Certificate will then end.

We will usually pay the Cash Surrender Value within seven days; but,
we may delay payment as described in the Payments We May Defer
provision.

PARTIAL WITHDRAWAL OPTION

You may make a Partial Withdrawal at any time by giving written notice
to us.

The maximum amount that can be withdrawn each Certificate Year without
being considered an excess Partial Withdrawal is described below.  We
will collect a Surrender Charge and Market Value Adjustment for excess
Partial Withdrawals and a charge for any unrecovered Premium Taxes.
The minimum Partial Withdrawal amount is $100.  After a Partial
Withdrawal, the remaining Cash Surrender Value must be at least $1000
to keep the Certificate in force.

The free withdrawal amount for a Certificate Year is equal to 12
months of interest earned and not previously withdrawn in the prior 12
months.

Systematic Partial Withdrawals of interest may be elected to commence
after 28 days from the Certificate Issue Date and may be taken on a
monthly, quarterly or annual basis.  You select the day withdrawals
will be made, but no later than the 28th date of the month.  If you do
not elect a day, the Certificate Date will be used.  The maximum
withdrawal amount is equal to the interest earned for the prior month,
quarter, or year (depending on the frequency selected).

GA-CA-1070                        10                           6/00

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                 YOUR CERTIFICATE BENEFITS (continued)
----------------------------------------------------------------------------

For any Certificate Year in which the total amount withdrawn exceeds
the free withdrawal amount, a Surrender Charge and Market Value
Adjustment will apply to the excess Partial Withdrawal.  If the
Certificate is surrendered, the Surrender Charge and Market Value
Adjustment will apply to the total amount withdrawn in that
Certificate Year, including any Partial Withdrawals.

NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT WILL APPLY TO PARTIAL
WITHDRAWALS OR SURRENDERS DURING THE 30 DAYS IMMEDIATELY PRECEDING THE
MATURITY DATE OF A GUARANTEE PERIOD.

PROCEEDS PAYABLE TO THE BENEFICIARY

Prior to the Annuity Commencement Date
If the sole Owner dies prior to the Annuity Commencement Date, we will
pay the Beneficiary the death benefit.  The death benefit is equal to
the Accumulation Value as of the date of death.  No Surrender Charge
or Market Value Adjustment will be applied.  If there are joint Owners
and any Owner dies, we will pay the surviving Owners the death
benefit.  We will pay the amount on receipt of due proof of the
Owner's death at our Customer Service Center.  Such amount may be
received in a single lump sum or applied to any of the Annuity Options
(see Choosing an Income Plan).  When the Owner (or all Owners where
there are joint Owners) is not an individual, the death benefit will
become payable on the death of the Annuitant prior to the Annuity
Commencement Date (unless a Contingent Annuitant survived the
Annuitant).  Only one death benefit is payable under this Certificate.
In all events, distributions under the Certificate must be made as
required by applicable law.

Spousal Continuation upon Death of Owner
If at the Owner's death, the surviving spouse of the deceased Owner is
the Beneficiary, then such surviving spouse may elect to continue the
Certificate as their own pursuant to Internal Revenue Code Section
72(s) or the equivalent provisions of the U.S. Treasury Department
rules for qualified plans.

How to Claim Payments to Beneficiary
We must receive proof of the Owner's (or the Annuitant's) death before
we will make any payments to the Beneficiary.  We will calculate the
death benefit as of the date we receive due proof of death.   If the
applicable state law requires interest at a greater rate, we will pay
the greater rate. The Beneficiary should contact our Customer Service
Center for instructions.

EXEMPTION OF BENEFITS

All payments of Benefits under this Certificate will be made from our
Customer Service Center.  To the extent allowed by law, the Benefits
will be free from creditor's claims or legal process.

GA-CA-1070                          11                     6/00

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                        CHOOSING AN INCOME PLAN
----------------------------------------------------------------------------

ANNUITY BENEFITS

If the Annuitant and Owner are living on the Annuity Commencement
Date, we will begin making payments to the Owner.  We will make these
payments under the Annuity Option (or Options) as chosen initially or
as subsequently selected.  You may choose or change an Annuity Option
by making a written request at least 30 days prior to the Annuity
Commencement Date.  Unless you have chosen otherwise, Option 2 on a 10-
year period certain basis will become effective.  The amounts of the
payments will be determined by applying the Accumulation Value
adjusted by a Market Value Adjustment, if applicable, on the Annuity
Commencement Date in accordance with the Annuity Options section below
(see Payments We Defer).  Surrender Charges will be waived.  A Market
Value Adjustment may apply if the Annuity Commencement Date is more
than 30 days prior to the Maturity Date of the Guarantee Period.
Before we pay any Annuity Benefits, we require the return of this
Certificate.  If this Certificate has been lost, we require the
applicable lost Certificate form.

ANNUITY COMMENCEMENT DATE SELECTION

You select the Annuity Commencement Date.  You may select any date
following the first Certificate Anniversary but before the required
date of Annuity Commencement as shown in the Schedule.  If you do not
select a date, the Annuity Commencement Date will be in the month
following the required date of Annuity Commencement.

FREQUENCY SELECTION

You may choose the frequency of the Annuity Payments.  They may be
monthly, quarterly, semi-annually or annually.  If we do not receive
written notice from you, the payments will be made monthly.

THE INCOME PLAN

While this Certificate is in effect and before the Annuity
Commencement Date, you may chose one or more Annuity Options for the
payment of death benefit proceeds.  If, at the time of the Owner's
death, no Option has been chosen for paying the death benefit
proceeds, the Beneficiary may choose an Option within one year.  You
may also elect an Annuity Option on surrender of the Certificate for
its Cash Surrender Value.  For each Option we will issue a separate
written agreement putting the Option into effect.

Our approval is needed for any Option where:

  (1) the person named to receive payment is other than the Owner
      or Beneficiary; or
  (2) the person named is not a natural person, such as a corporation; or
  (3) any income payment would be less than the minimum annuity income
      payment shown in the Schedule.

THE ANNUITY OPTIONS

There are three Options to choose from.  They are:

Option 1.  Income for a Fixed Period
Payment is made in equal installments for a fixed number of years.
The payment period cannot be more than 30 years nor less than 5 years.
We guarantee each monthly payment will be at least the Income for
Fixed Period amount shown in the Schedule.  Values for annual,
semiannual or quarterly payments are available on request.

GA-CA-1070                        12                           6/00

<PAGE>
<PAGE>

                  CHOOSING AN INCOME PLAN (continued)
----------------------------------------------------------------------------

Option 2.  Income for Life
Payment is made to the person named in equal monthly installments and
guaranteed for at least a period certain.  The period certain can be
10 or 20 years.  Other periods certain are available on request.  A
refund certain may be chosen instead.  Under this arrangement, income
is guaranteed until payments equal the amount applied.  If the person
named lives beyond the guaranteed period, payments continue until his
or her death.

We guarantee each payment will be at least the amount shown in the
Schedule.  By age, we mean the named person's age on his or her
nearest birthday before the Option's effective date.  Amounts for ages
not shown are available on request.

Option 3.  Joint Life Income
This Option is available if there are two persons named to receive
payments.  At least one of the persons named must be either the Owner
or Beneficiary of this Certificate.  Monthly payments are guaranteed
and are made as long as at least one of the named persons is living.
The monthly payment amounts are available upon request.  Such amounts
are guaranteed and will be calculated on the same basis as the Table
for Income for Life, however, the amounts will be based on two lives.

The minimum rates for Option 1 are based on 3% interest, compounded
annually.  The minimum rates for Options 2 and 3 are based on 3%
interest, compounded annually, and the Annuity 2000 Mortality Table.
We may pay a higher rate at our discretion.

PAYMENT WHEN NAMED PERSON DIES

When the person named to receive payment dies, we will pay any amounts
still due as provided by the Option agreement.  The amounts still due
are determined as follows:

  (1) For Option 1 or for any remaining guaranteed payments in
      Option 2, payments will be continued.
  (2) For Option 3, no amounts are payable after both named
      persons have died.

GA-CA-1070                        13                           6/00

<PAGE>
<PAGE>

                      OTHER IMPORTANT INFORMATION
----------------------------------------------------------------------------

ENTIRE CONTRACT

The group contract, including any attached rider, endorsement, or
amendment  constitutes the entire contract between the Contractholder
and us.  All statements made by the Contractholder, any Owner or any
Annuitant will be deemed representations and not warranties.

SENDING NOTICE TO US

Whenever written notice is required, send it to our Customer Service
Center.  The address of our Customer Service Center is shown on the
cover page.  Please include your Certificate number in all
correspondence.

REPORTS TO OWNER

We will send you a report at least once during each Certificate Year.
The report will show the Accumulation Value and the Cash Surrender
Value as of the end of the Certificate processing period.  The report
will also show the amounts deducted from or added to the Accumulation
Value since the last report.  The report will also include any
information that may be currently required by the insurance
supervisory official of the jurisdiction in which the Certificate is
delivered.

ASSIGNMENT - USING THIS CERTIFICATE AS COLLATERAL SECURITY

You can assign this Certificate as collateral security for a loan or
other obligation.  This does not change the ownership.  Your rights
and any Beneficiary's right are subject to the terms of the
assignment.  To make or release an assignment, we must receive written
notice satisfactory to us, at our Customer Service Center.  We are not
responsible for the validity of any assignment, including any tax
consequences.

CHANGING THIS CERTIFICATE

This Certificate may be changed to another annuity plan according to
our rules at the time of the change.

CERTIFICATE CHANGES - APPLICABLE TAX LAW

We reserve the right to make changes in this Certificate to the extent
we deem it necessary to continue to qualify this Certificate as an
annuity.  Any such changes will apply uniformly to all Certificates
that are affected.  You will be given advance written notice of such
changes.

MISSTATEMENT OF AGE OR SEX

If an age or sex has been misstated, the amounts payable or benefits
provided by this Certificate will be those that the Premium Payment
made would have bought at the correct age or sex.

NON-PARTICIPATING

This Certificate does not participate in the divisible surplus of
 Golden American Life Insurance Company.

GA-CA-1070                        14                           6/00

<PAGE>
<PAGE>

                OTHER IMPORTANT INFORMATION (continued)
----------------------------------------------------------------------------

PAYMENTS WE MAY DEFER

We may, at any time, defer payment of the Cash Surrender Value for up
to six months after we receive a request for it.  We will allow
interest of at least 3.00% a year on any Cash Surrender Value payment
derived from requests that we defer 30 days or more.

AUTHORITY TO MAKE AGREEMENTS

All agreements made by us must be signed by one of our officers.  No
other person, including an insurance agent or broker, can:
  (1)    change any of this Certificate's terms;
  (2)    extend the time for Premium Payments; or
  (3)    make any agreement binding on us.

REQUIRED NOTE ON OUR COMPUTATIONS

We have filed a detailed statement of our computations with the
insurance supervisory official in the jurisdiction where this
Certificate is delivered.  The values are not less than those required
by the law of that state or jurisdiction.

GA-CA-1070                        15                           6/00

<PAGE>
<PAGE>

----------------------------------------------------------------------------
SINGLE PREMIUM DEFERRED MODIFIED GUARANTEED ANNUITY CERTIFICATE
Annuity benefit payable at Commencement Date.  Death benefit payable
in event of the Owner's death prior to Commencement Date. Benefits
guaranteed if the Certificate is held for a period equal to the
current Guarantee Period.  The Cash Surrender Values are based on a
separate account Market Value Adjustment formula if the annuity is
held for a shorter period.  CASH SURRENDER VALUES MAY INCREASE OR
DECREASE BASED ON THE MARKET VALUE ADJUSTMENT FORMULA.
Nonparticipating.

GA-CA-1070                                                     6/00

<PAGE>
<PAGE><PAGE>
<PAGE>
                                                     EXHIBIT 4(e)

GOLDEN AMERICAN LIFE INSURANCE COMPANY             MODIFIED GUARANTEED ANNUITY
PO BOX 2700 WEST CHESTER, PA 19380-2700                            APPLICATION
PHONE: (800) 366-0066
Express Mail:ING Variable Annuities 1475 Dunwoody Drive West Chester, PA 19380
|------------------------------------------------------------------------------|
|1. POLICY OWNER                    JOINT OWNER                    |
|                                   (Not applicable if qualified plan)         |
|Name___________________________    Name_______________________________        |
|Address________________________    Address____________________________        |
|City________ State___ Zip______    City__________ State_____ Zip______        |
|__Male __Female                    __Male __Female                    |
|Date of Birth ____/____/____       Date of Birth____/____/____            |
|Social Security Number_________    Social Security Number_____________        |
|                                          |
|------------------------------------------------------------------------------|
|2. ANNUITANT                       JOINT ANNUITANT                |
|(If different from owner)          (Not applicable if qualified plan)         |
|Name___________________________    Name_______________________________        |
|Address________________________    Address____________________________        |
|City________ State___ Zip______    City__________ State_____ Zip______        |
|__Male __Female                    __Male __Female                    |
|Date of Birth ____/____/____       Date of Birth____/____/____            |
|Social Security Number_________    Social Security Number_____________        |
|------------------------------------------------------------------------------|
|3. PRIMARY BENEFICIARY(IES)                               |
|FULL NAME(S)    RELATIONSHIP TO OWNER     SOCIAL SECURITY #     % TO RECEIVE  |
|______________________________________________________________________________|
|                                          |
|______________________________________________________________________________|
|                                          |
|______________________________________________________________________________|
|(Add separate sheet signed by policyowner for additional/contingent           |
|beneficiary information.)                             |
|                                          |
|------------------------------------------------------------------------------|
|4. POLICY INFORMATION                                 |
|GOLDENSELECT Guarantee Annuity                            |
|Guarantee Period    1     3       5       6        7       8      9      10   |
|Initial Premium ______ _______ _______ ________ _______ _______ ______ _______|
|Total Premium _____________                               |
|                                          |
|------------------------------------------------------------------------------|
|5. TYPE OF ANNUITY                                |
|IRA Indicate contribution amount and appropriate tax year________________     |
|__IRA Rollover    __SEP IRA    __SAR SEP IRA                      |
|__403(B) TSA Transfer    __401(a) Plan    __Conduit IRA               |
|__Roth IRA     If transfer, provide original conversion date______________    |
|__Simple IRA Transfer Provide establishment date____________              |
|__Other__________________________                         |
|------------------------------------------------------------------------------|
|6. REPLACEMENT                                    |
|IS THE POLICY APPLIED FOR TO REPLACE OR CHANGE ANY EXISTING LIFE          |
|INSURANCE OR ANNUITY CONTRACT?    __YES    __NO                   |
|______________________________________________________________________________|
|Company Name         Policy Number                Cash Value              |
|                                          |
|------------------------------------------------------------------------------|
|7. SPECIAL REMARKS                                |
|                                          |
|                                          |
|                                          |
|------------------------------------------------------------------------------|
|8. OWNER(S) ACKNOWLEDGEMENTS                              |
|Please read the following statements carefully and sign on the back:          |
|                                          |
|BY SIGNING, I ACKNOWLEDGE RECEIPT OF THE PROSPECTUS. I AGREE THAT, TO         |
|THE BEST OF MY KNOWLEDGE AND BELIEF, ALL STATEMENTS AND ANSWERS ABOVE         |
|ARE COMPLETE AND TRUE AND MAY BE RELIED UPON IN DETERMINING WHETHER TO        |
|ISSUE THE CONTRACT. ONLY THE OWNER AND GOLDEN AMERICAN HAVE THE AUTHORITY     |
|TO MODIFY THIS DOCUMENT.                              |
|                                          |
|CONTRACTS AND POLICIES AND UNDERLYING SERIES SHARES OR SECURITIES WHICH       |
|FUND CONTRACTS AND POLICIES ARE NOT INSURED BY THE FDIC OR ANY OTHER          |
|AGENCY. THEY ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF ANY BANK AND ARE        |
|NOT BANK GUARANTEED. ALSO, THEY ARE SUBJECT TO MARKET FLUCTUATION,            |
|INVESTMENT RISK AND POSSIBLE LOSS OF PRINCIPAL INVESTED.              |
|                                          |
|I UNDERSTAND THAT ANY AMOUNT ALLOCATED TO A GUARANTEE PERIOD MAY BE SUBJECT   |
|TO A MARKET VALUE ADJUSTMENT, WHICH MAY CAUSE THE VALUES TO INCREASE OR       |
|DECREASE, PRIOR TO A SPECIFIED DATE OR DATES AS SPECIFIED IN THE CONTRACT.    |
|(CONTINUED ON BACK)                                   |
|------------------------------------------------------------------------------|

GA-GIA-1070                                                     107753 6/2000

<PAGE>
<PAGE>
|------------------------------------------------------------------------------|
|MY SIGNATURE CERTIFIES, UNDER PENALTY OF PERJURY, THAT THE TAXPAYER           |
|IDENTIFICATION NUMBER PROVIDED IS CORRECT. I AM NOT SUBJECT TO BACKUP         |
|WITHHOLDING BECAUSE: I AM EXEMPT; OR I HAVE NOT BEEN NOTIFIED THAT I AM       |
|SUBJECT TO BACKUP WITHHOLDINGS RESULTING FROM FAILURE TO REPORT ALL           |
|INTEREST DIVIDENDS; OR I HAVE BEEN NOTIFIED THAT I AM NO LONGER SUBJECT       |
|TO BACKUP WITHHOLDING. (STRIKE OUT THE PRECEDING SENTENCE IF SUBJECT TO       |
|BACKUP WITHHOLDING.) THE IRS DOES NOT REQUIRE MY CONSENT TO ANY PROVISION     |
|OF THIS DOCUMENT OTHER THAN THE CERTIFICATIONS REQUIRED TO AVOID BACKUP       |
|WITHHOLDING.                                      |
|                                          |
|The following states acknowledgement of a fraud warning statement. Please     |
|refer to the fraud warning statement for your state as indicated below. Check |
|the appropriate box pertaining to your resident state, sign and date at the   |
|bottom of this section (if your state is not listed, simply sign and date at  |
|the bottom).                                      |
|                                          |
|__ARKANSAS, COLORADO, KENTUCKY, WASHINGTON DC. Any person who knowingly       |
|and with intent to defraud any insurance company or other person files an     |
|application containing any materialy false information, or conceals for the   |
|purpose of misleading information concerning any fact material thereto,       |
|commits a fraudulent insurance act, which is a crime.                 |
|                                          |
|__MAINE. It is a crime to knowingly provide false, incomplete or misleading   |
|information to an insurance company for the purpose of defrauding the company.|
|Penalties may include imprisonment, fines, or denial of insurance benefits.   |
|                                          |
|__MINNESOTA. This policy/contract/certificate is not protected by the         |
|                                          |
|Minnesota Life and Health Insurance Guaranty Association or the           |
|Minnesota Insurance Guaranty Association. In the case of insolvency,          |
|payment of claims is not guaranteed. Only the assets of this insurer          |
|will be available to pay your claim.                          |
|                                          |
|__NEW MEXICO. Any person who knowingly presents a false or fraudulent         |
|claim for payment of a loss or benefit or knowingly presents              |
|false information in an application for insurance is guilty of a crime        |
|and may be subject to civil fines and criminal penalties.             |
|                                          |
|__NEW JERSEY. Any person who includes any false or misleading information     |
|on an application for ani insurance policy is subject to criminal and         |
|civil penalties.                                  |
|                                          |
|__OHIO. Any person who submits an application or files a claim containing     |
|a false or deceptive statement, with intent to defraud or knowingly           |
|facilitating a fraud against an insurer, is guilty of insurance fraud.        |
|                                          |
|__PENNSYLVANIA. Any person who knowingly and with intent to defraud any       |
|insurance company or other person files an application containing         |
|any materialy false information, or conceals for the purpose of           |
|misleading information concerning any fact material thereto, commits          |
|a fraudulent insurance act, which is a crime and subjects such person         |
|to criminal and civil penalties.                          |
|                                          |
|__VIRGINIA. Any person who, with intent to defraud or knowing that he is      |
|facilitating a fraud against an insurer, submits an application or        |
|files a claim containing a false or deceptive statement may have          |
|violated the state law.                               |
|                                          |
|Signed at: City____________________ State____ Date ____/____/____         |
|________________________   (_____)_____-_________   _________________________ |
|Owner's Signature          Telephone Number Joint   Owner's Signature         |
|                                          |
|On receiving your written request, we will provide you with information       |
|regarding the benefits and provisions of the annuity contract for which       |
|you have applied. If you are not satisfied, you may cancel your policy by     |
|returning it within 10 days after the date you receive it along with a signed |
|statement requesting a free look. Any premium paid for the returned policy    |
|will be refunded without interest.                        |
|                                          |
|------------------------------------------------------------------------------|
|9. AGENT'S REPORT: To the best of your knowledge, does the policy applied for |
|involve replacement or modification of any existing life insurance or annuity |
|contract? __Yes  __No If yes, submit required replacement forms.          |
|                                          |
|Producer Contract                          Employee Contract              |
|Client's Account Number: __________________                       |
|                                          |
|______________________________________________________________________________|
|Agent Signature   Print Agent Name    Social Security #   Broker/Dealer/Branch|
|                                          |
|                                          |
|                                          |
|                                          |
|                                          |
|                                          |
|------------------------------------------------------------------------------|

GA-GIA-1070 107753                                               6/2000

<PAGE>
<PAGE>

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