Document:

Exhibit 10.16.3

 Exhibit 10.16.3 
 VA-GLICNY/UFLIC 
 THIRD AMENDMENT TO REINSURANCEAGREEMENT

 THIS THIRD AMENDMENT TO REINSURANCE AGREEMENT (this “Amendment”) dated as of December 17, 2012, is
made by and between Genworth Life Insurance Company of New York, an insurance company organized under the laws of the State of New York (hereinafter, “Company”), and Union Fidelity Life Insurance Company, an insurance company domiciled in
the state of Kansas (hereinafter, “Reinsurer”). 
 RECITALS 

WHEREAS, Company and Reinsurer entered into a Reinsurance Agreement with respect to Company’s variable annuity business dated as of April 15,
2004 (the “Agreement”); and 
 WHEREAS, Company and Reinsurer entered into a First Amendment to Reinsurance Agreement dated as of
December 17, 2008; and a Second Amendment to Reinsurance Agreement dated as of December 4, 2009; and 
 WHEREAS, Company and Reinsurer
desire to make certain further amendments to the Agreement to allow weekly settlement of accounts for the reinsurance provided under the Reinsurance Agreement 
 NOW, THEREFORE, for and in consideration of the premises and the covenants contained herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereby agree as follows: 
 AGREEMENTS 
 1. Definitions. Capitalized terms used herein without definitions shall have the meanings given to them in the Agreement, as amended. 
 2. Effective Date of Amendment. The parties agree that this Amendment shall be effective as of December 17, 2012 (the “Effective Date”) as to all rights and obligations of the
parties accruing under the Agreement. 
 3. The change to weekly settlement of accounts set forth herein is entered into upon the mutual
agreement of both parties; provided that either party has the option, in its sole discretion, to require the return to daily settlement upon ninety (90) days written notice to the other party. 

  
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 4. As of the Effective Date: 
 A. The reference in the Table of Contents to Schedule G, Part II to “Daily Settlement Report” is deleted and “Weekly Settlement Report” is substituted therefor. 

B. Section 1.1, Definitions. is amended as follows: 
 a. The following new definition is added to this Section: 
 “Current
Business Week” shall mean Friday of the preceding calendar week through Thursday of the current calendar week.” 

b. The definition of “Daily Settlement Account” is deleted, and the following substituted therefor: “Weekly Settlement
Account” shall have the meaning specified in Section 6.2(a).” 
 c. The definition of “Daily Settlement
Amount” is deleted, and the following substituted therefor: “Weekly Settlement Amount” means, with respect to a particular Business Week, the results of the calculation set forth on Schedule G - Part II for such week.”

 d. The definition of “Daily Settlement Report” is deleted, and the following substituted therefor: “Weekly
Settlement Report” shall have the meaning specified in Section 6.2(b).” 
 C. Section 6.2 Daily
Settlement Amounts is deleted in its entirety, and replaced with the following: 
 6.2. Weekly Settlement Amounts.
(a) By the Effective Date, the Reinsurer shall maintain a separate bank account (the “Weekly Settlement Account”) in its own name for the payment of Weekly Settlement Amounts. 

(b) By 11:00 a.m. Eastern Time on Friday of each week during the term of this Agreement, the Company shall calculate the Weekly Settlement
Amount for the Current Business Week. Promptly following such calculation, the Company shall forward to the Reinsurer a report in the form of Schedule G - Part II that shall provide the details of such calculation (the “Weekly Settlement
Report”). Prior to 6:00 p.m. Eastern Time on Friday of the current calendar week, via wire transfer, the Company or the Reinsurer, as appropriate, shall remit to the other funds in 

  
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an amount equal to such Weekly Settlement Amount owed by such party to the other for the activity of that week (reflecting the activity from the previous Friday-Thursday). 

 

	 	1.	If Friday is a holiday for the Company or the Reinsurer, or is not a Business Day, then settlement will be the next Business Day. 

 

	 	2.	Reinsurer Quarter End Stat Close: The Company will send accruals for the days between Friday and Quarter End. 

 

	 	3.	Reinsurer Quarter End GAAP Close: The Company will perform the usual weekly settlement and will send an accrual for Friday night’s activities on the next Business
Day (usually Monday). 

  

	 	4.	The parties may, by mutual written agreement only, change a settlement date to another date and time for that particular settlement. 

(c) The Company shall keep true and complete records, in accordance with Applicable Law and its record management practices in effect from
time to time for the Company’s insurance business not covered by this Agreement, clearly recording the deposits in and withdrawals from the Weekly Settlement Account. The Company will make available to the Reinsurer or its designated
representative, or shall furnish to the Reinsurer or its designated representative, upon request of the Reinsurer or its designated representative, copies of all such records. All copies furnished in the ordinary course of business shall be
furnished by the Company at the Company’s cost, which shall be included in the Expense Allowance. Any extraordinary costs reasonably incurred by the Company in response to requests from the Reinsurer shall be reimbursed by the Reinsurer.

 (d) Upon a termination of this Agreement pursuant to Article VII, the Reinsurer shall close the Weekly Settlement Account and
any closing balance therein shall be the property of the Reinsurer. 
 D. Schedule G - Part II is deleted in its entirety and
replaced with the revised Schedule G - Part II attached hereto and incorporated by reference. 
 E. Schedule G - Part IV is
deleted in its entirety and replaced with the revised Schedule G - Part IV below. 
 In all other respects, the Reinsurance Agreement, as
amended, shall remain unchanged and in full force and effect. This Amendment may be executed simultaneously in any number of counterparts, each of which will be deemed an original, but all of which will constitute one and the same instrument.

  
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 In WITNESS WHEREOF, this Amendment is executed as of the dates noted below. 

 

									
	 GENWORTH LIFE INSURANCE
 COMPANY OF NEW YORK (Company)
	 		 	 UNION FIDELITY LIFE INSURANCE
 COMPANY (Reinsurer)

					
	By:	 	 /s/ Scott A. Boug
	 		 	By:	 	 /s/ Ronald D. Peters

					
	Print Name:	 	 Scott A. Boug
	 		 	Print Name:	 	 Ronald D. Peters

					
	Title:	 	 VP
	 		 	Title:	 	 Vice President

					
	Date:	 	 12/3/12
	 		 	Date:	 	 12/7/12

  
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 SCHEDULE G - PART II 
 WEEKLY SETTLEMENT REPORT 
 Settlement Amount 

 

											
	 	  	 	  	Current Week	 	  	Quarter-To-Date	 
				
	 1.
	  	 Premiums/Deposits Received From Contractholders
	  	$	            	  	  	$	            	  
		  		  	  
	  
	 	  	  
	  
	 
				
	 2.
	  	 Net Sales/Redemptions of UIT Shares
	  	$	 	  	  	$	 	  
		  		  	  
	  
	 	  	  
	  
	 
				
	 3.
	  	 Net Purchases of UIT Shares
	  	$	 	  	  	$	 	  
		  		  	  
	  
	 	  	  
	  
	 
				
	 4.
	  	 Payments to Contractholders from Policy Owner Services
	  	$	 	  	  	$	 	  
		  		  	  
	  
	 	  	  
	  
	 
				
	 5.
	  	 Payment to Contractholder Beneficiaries for Claims
	  	$	 	  	  	$	 	  
		  		  	  
	  
	 	  	  
	  
	 
			
	 [1+2-3-4-5]
	  	$	 	  	  	$	 	  
		  		  	  
	  
	 	  	  
	  
	 

  
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 SCHEDULE G - PART IV 
 QUARTERLY SETTLEMENT REPORT 
  

							
	 	  	Previously
Reported	  	Actual
Quarter	  	True
Up
				
	 Weekly Settlement Reconciliation
	  		  		  	
	 1 Premiums
	  		  		  	
		  	  
	  	  
	  	  

				
	 UIT Sales and Purchases
	  		  		  	
	 2 Customer Transfers (Net)
	  		  		  	
		  	  
	  	  
	  	  

	 3 Redemption of Shares for Surrender Charges
	  		  		  	
		  	  
	  	  
	  	  

	 4 Redemption of Shares for Rider Fees and Loads
	  		  		  	
		  	  
	  	  
	  	  

	 5 Corrections and Gain/Loss
	  		  		  	
		  	  
	  	  
	  	  

				
	 Payments to Contractholders and Beneficiaries
	  		  		  	
	 6 Surrenders and Withdrawals
	  		  		  	
		  	  
	  	  
	  	  

	 7 Return of Premium-Freelooks
	  		  		  	
		  	  
	  	  
	  	  

	 8 Death Benefits (Standard and Enhanced)
	  		  		  	
		  	  
	  	  
	  	  

				
	 9 Net (+1 +/-2 +3+4+/-5-6-7-8)
	  		  		  	
		  	  
	  	  
	  	  

				
	 Monthly Settlement Reconciliation
	  		  		  	
	 10 Mortality & Expense Charges
	  		  		  	
		  	  
	  	  
	  	  

	 11 Premium Taxes
	  		  		  	
		  	  
	  	  
	  	  

	 12 Expense Factor
	  		  		  	
		  	  
	  	  
	  	  

	 13 Ceded Reinsurance Premium
	  		  		  	
		  	  
	  	  
	  	  

	 14 Ceded Reinsurance Benefits/Recoverable
	  		  		  	
		  	  
	  	  
	  	  

	 15 Commissions and other Fees or Compensation Paid
	  		  		  	
		  	  
	  	  
	  	  

	 16 Insolvency Fund or Similar Assessments Paid
	  		  		  	
		  	  
	  	  
	  	  

	 17 Extra Contractual Liabilities Paid
	  		  		  	
		  	  
	  	  
	  	  

	 18 Other
	  		  		  	
		  	  
	  	  
	  	  

				
	 19 Net (+10-11-12-13+ 14-15-16-17+/-18)
	  		  		  	
		  	  
	  	  
	  	  

				
	 20 Quarterly Settlement (9+19)
	  		  		  	
		  	  
	  	  
	  	  

				
	 MODCO Adjustment Reconciliation
	  		  		  	
	 21 Beginning Separate Account Reserves
	  		  		  	
		  		  	  
	  	
	 22 UIT Sales and Purchases (+/-2 +3+4+/-5)
	  		  		  	
		  		  	  
	  	
	 23 Mortality & Expense Charges (10)
	  		  		  	
		  		  	  
	  	
	 24 UIT Appreciation
	  		  		  	
		  		  	  
	  	
	 25 Ending Separate Account Reserves (+21-22-23+/-24)
	  		  		  	
		  		  	  
	  	

  
 2Exhibit 10.32.5

 Exhibit 10.32.5 
 2012 Genworth Financial, Inc. Omnibus Incentive Plan 
 Stock Appreciation Rights with a
Maximum Share Value 
 Award Agreement – CEO New Hire Grant 

 
  
 Dear Tom: 
 This Award Agreement and the 2012 Genworth Financial, Inc. Omnibus Incentive Plan (the
“Plan”) together govern your rights under this Award and set forth all of the conditions and limitations affecting such rights. Unless the context otherwise requires, capitalized terms used in this Award Agreement shall have the
meanings ascribed to them in the Plan. If there is any inconsistency between the terms of this Award Agreement and the terms of the Plan, the Plan’s terms shall supersede and replace the conflicting terms of this Award Agreement. 

 

	1.	Grant. You are hereby granted Stock Appreciation Rights with a specified Maximum Share Value (the “SARs”). Each SAR entitles you to
receive from the Company an amount equal to the excess of (i) either (a) the Fair Market Value of one Share on the date the SAR is exercised (in the case of a Regular Exercise described in Section 4(a) below) or (b) the Maximum
Share Value (in the case of an Automatic Exercise described in Section 4(b) below), over (ii) the SAR Exercise Price. The amount of such difference, multiplied by the number of SARs exercised, shall be payable and delivered in Shares
(based on the Fair Market Value of the Shares on the date of exercise), all in accordance with the terms and conditions of this Award Agreement, the Plan, and any rules and procedures adopted by the Committee. For purposes of this Agreement, Fair
Market Value, as of any date, shall mean the closing price of the Shares on the immediately preceding day on which sales were reported on the principal securities exchange on which the Shares are listed. 

 

	 	a.	Grant Date: January 2, 2013 

  

	 	b.	Number of SARs: 1,200,000 

  

	 	c.	SAR Exercise Price: $7.90 

  

	 	d.	Vesting Dates: The SARs shall not provide you with any rights or interests therein until the SARs vest and become exercisable. Provided you have
continued in the service of the Company or one of its Affiliates, the SARs shall vest (become exercisable) as to 100% of the SARs on the third anniversary of the grant date; provided, however, that a portion of the SARs shall vest earlier
based on the Company’s closing stock price exceeding certain levels for 20 consecutive trading days, in accordance with the following schedule:  

 

			
	 Vesting Date
	  	 Number of SARs Vested

	If the closing price of the Company’s Class A Common Stock exceeds $12.00 for 45 consecutive trading days, a number of SARs will vest on the later of (i) the one-year
anniversary of the Grant Date or (ii) the last of the 45 consecutive days on which the closing price of the stock exceeds $12.00.	  	1/3 of SARs Granted
		
	If the closing price of the Company’s Class A Common Stock exceeds $16.00 for 45 consecutive trading days, a number of SARs will vest on the later of (i) the one-year
anniversary of the Grant Date or (ii) the last of the 45 consecutive days on which the closing price of the stock exceeds $16.00.	  	1/3 of SARs Granted
		
	If the closing price of the Company’s Class A Common Stock exceeds $20.00 for 45 consecutive trading days, a number of SARs will vest on the later of (i) the one-year
anniversary of the Grant Date or (ii) the last of the 45 consecutive days on which the closing price of the stock exceeds $20.00.	  	1/3 of SARs Granted

	 	e.	Maximum Share Value: $75.00 

  

	 	f.	Expiration Date: January 2, 2023 

  

	2.	Vesting, Exercisability and Expiration Date. The SARs shall vest and become exercisable only on and after the Vesting Dates, and shall expire on the
Expiration Date, except as follows: 

  

	 	a.	Employment Termination Due to Death. If your service with the Company and its Affiliates terminates as a result of your death, then any unvested SARs as
of the date of your death shall immediately vest and become exercisable upon such death, and any unexercised SARs shall expire on the later of (i) the Expiration Date or (ii) twenty-four (24) months after the date of your death.

  

	 	b.	Involuntary Employment Termination. If your service with the Company and its Affiliates terminates due to an involuntary termination by the Company
without Cause (as defined below) or by you for Good Reason (as defined below), then any unvested SARs as of the date of such termination shall immediately vest and become exercisable upon such termination, and any unexercised SARs shall expire on
the earlier of (i) twelve (12) months after the date of such termination of service or (ii) the Expiration Date; provided, however, that if you die before the earlier of such dates, then any vested and unexercised SARs
as of the date of such termination shall not expire until twenty-four (24) months after the date of your death. 

  

	 	c.	Employment Termination Less Than One Year After Grant Date. If your service with the Company and its Affiliates terminates for any reason other than death
or an involuntary termination by the Company without Cause or by you for Good Reason before the first anniversary of the Grant Date, then the SARs shall immediately expire upon such termination. 

 

	 	d.	Employment Termination More Than One Year After Grant Date. If, on or after the first anniversary of the Grant Date, your service with the Company and its
Affiliates terminates as a result of any of the reasons set forth below, each as defined below or determined in accordance with rules adopted by the Committee, then the Vesting Dates and Expiration Date shall be automatically adjusted as provided
below: 

  

	 	(i)	Termination for Retirement or Total Disability. If (a) your service with the Company and its Affiliates terminates as a result of your voluntary
resignation on or after you have attained age sixty (60) and accumulated five (5) or more years of combined and continuous service with the Company and its Affiliates, or (b) your service with the Company and its Affiliates terminates
as a result of your Disability, then any unvested SARs as of the date of such termination shall immediately vest and become exercisable upon such termination, and any unexercised SARs shall expire on the Expiration Date; provided,
however, that if you die less than twenty-four (24) months before the Expiration Date, then any unexercised SARs shall not expire until twenty-four (24) months after the date of your death. For purposes of this Award Agreement,
“Disability” shall mean a permanent disability that would make you eligible for benefits under the long-term disability program maintained by the Company or any of its Affiliates (without regard to any time period during which the
disabling condition must exist) or in the absence of any such program, such meaning as the Committee shall determine. 

  

	 	(ii)	 Voluntary Termination or Termination for Cause. If your service with the Company and its Affiliates terminates as a result of your
voluntary termination prior to your attainment of age sixty (60) and accumulation of five (5) or more years of combined and continuous service with the Company and its Affiliates, or termination for Cause, then the SARs, whether or not
vested and exercisable as of the date of such termination, shall immediately expire upon such termination. For purposes of this Award Agreement, “Cause” shall mean (i) your willful and continued failure to substantially perform
your duties with the Company and its Affiliates (other than any such failure 

  
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resulting from your Disability; (ii) your willful engagement in conduct (other than conduct covered under clause (i) above) which is injurious to the Company and/or its Affiliates,
monetarily or otherwise; or (iii) your violation of material Company or Affiliate policy, or your breach of noncompetition, confidentiality, or other restrictive covenant with respect to the Company or any of its Affiliates, that applies to
you; provided, however, that for purposes of clauses (i) and (ii) of this definition, no act, or failure to act, on your part shall be deemed “willful” unless done, or omitted to be done, by you not in good faith
and without reasonable belief that the act, or failure to act, was in the best interests of the Company and/or its Affiliates. 

  

	 	(iii)	Termination Due to Other Reasons. If your service with the Company and its Affiliates terminates for any other reason, and you and the Company have not
entered into a written agreement explicitly providing otherwise in accordance with rules and procedures adopted by the Committee, then any unvested SARs as of the date of such termination shall immediately expire upon such termination, and any
vested and unexercised SARs as of the date of such termination shall expire on the earlier of (i) three (3) months after the date of such termination of service or (ii) the Expiration Date; provided, however, that if you
die before the earlier of such dates, then any vested and unexercised SARs as of the date of such termination shall not expire until twenty-four (24) months after the date of your death. 

 

	3.	Change of Control. Notwithstanding anything herein to the contrary, unless otherwise specifically prohibited under applicable laws or by the rules and
regulations of any governing governmental agencies or stock exchange on which the Shares are listed: 

  

	 	a.	Upon the occurrence of a Change of Control in which the Successor Entity fails to Assume and Maintain this Award of SARs, the SARs shall fully vest and become
exercisable as of the effective date of the Change of Control; an amount determined below shall be distributed or paid to you within thirty (30) days following the effective date of the Change of Control in cash, Shares, other securities, or
any combination, as determined by the Committee; and the SARs shall thereafter terminate. 

  

	 	b.	If a Change of Control occurs and the Successor Entity Assumes and Maintains this Award of SARs, and if your service with the Company and its Affiliates is
terminated by the Company or one of its Affiliates without Cause (other than such termination resulting from your death or Disability) or by you for Good Reason within twelve (12) months following the effective date of the Change of Control,
then the SARs shall fully vest and become exercisable as of the date of such termination of service; an amount determined below shall be distributed or paid to you within thirty (30) days following the date of such termination of service in
cash, Shares, other securities, or any combination, as determined by the Committee; and the SARs shall thereafter terminate. 

 The amount to be distributed or paid to you pursuant to this paragraph 3 shall be equal to the excess of the Fair Market Value of one Share over the SAR Exercise Price, with such excess multiplied by the
number of such SARs, as of (i) the effective date of the Change of Control in the case of subparagraph a. above or (ii) the date of such termination of service in the case of subparagraph b. above. 

For purposes of this Award Agreement, “Good Reason” shall mean any reduction in the aggregate value of your compensation
(including base salary and bonus), or a substantial reduction in the aggregate value of benefits provided to you; provided, however, that Company-initiated across-the-board reductions in compensation or benefits affecting substantially
all employees shall alone not be considered Good Reason. 
  

	4.	Method of Exercise. You, or your representative upon your death, may exercise the vested SARs at any time prior to the expiration of such SARs.

  

	 	a.	Regular Exercise. Vested SARs may be exercised by written notice to the Vice President-Compensation and Benefits, specifying the number of SARs you then
desire to exercise and how any applicable tax withholding will be satisfied, or by such other means as the Committee shall prescribe (a “Regular Exercise”). 

  
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 As soon as practicable after receipt of such written notification, the Company shall issue
or transfer to you, the number of Shares to which you are entitled based on the exercise of such SARs. Upon receipt of applicable withholding taxes, the Company shall deliver to you a certificate or certificates, or evidence of book entry, with
respect to such Shares. No fractional Shares shall be issued or delivered. Fractional Shares shall be paid out in cash. 
  

	 	b.	Automatic Exercise. If the Fair Market Value of a Share equals or exceeds the Maximum Share Value on any day during the term of the SARs, the vested and
unexercised portion of the SARs, if any, shall be automatically exercised on such date without further action or notice by the Company or you (an “Automatic Exercise”). 

As soon as practicable following an Automatic Exercise, the Company shall issue or transfer to you, the number of Shares to which you are
entitled based on such Automatic Exercise, net of Shares to be withheld by the Company having a Fair Market Value equal to the minimum amount required to be withheld for tax purposes. The Company shall deliver to you a certificate or certificates,
or evidence of book entry, with respect to such Shares. No fractional Shares shall be issued or delivered. Fractional Shares shall be paid out in cash. 
  

	 	c.	Who Can Exercise. Except as provided in the Plan, during your lifetime, the SARs shall be exercisable only by you. No assignment or transfer of the SARs,
whether voluntary or involuntary, by operation of law or otherwise, except by will or the laws of descent and distribution or as otherwise required by applicable law, shall vest in the assignee or transferee any interest whatsoever. Upon your death,
your estate (or the beneficiary that receives the SARs under your will) may exercise the vested SARs. 

  

	 	d.	Tax Withholding. The Company shall have the power and the right to deduct or withhold, or require you or your beneficiary to remit to the Company, an
amount in cash or Shares (including “sell to cover” arrangements whereby the company has the right to sell shares on your behalf to cover the taxes) sufficient to satisfy federal, state, and local taxes, domestic or foreign, required by
law or regulation to be withheld with respect to any taxable event arising as a result of this Award Agreement. Unless otherwise determined by the Committee, the Company shall satisfy such withholding requirement by withholding Shares having a Fair
Market Value on the date the tax is to be determined equal to the minimum statutory total tax which could be withheld on the transaction. 

  

	5.	Nontransferability. The SARs awarded pursuant to this Award Agreement may not be sold, transferred, pledged, assigned, or otherwise alienated or
hypothecated (“Transfer”), other than by will or by the laws of descent and distribution, except as provided in the Plan. If any prohibited Transfer, whether voluntary or involuntary, of the SARs is attempted to be made, or if any
attachment, execution, garnishment, or lien shall be attempted to be issued against or placed upon the SARs, your right to such SARs shall be immediately forfeited to the Company, and this Award Agreement shall be null and void.

  

	6.	Requirements of Law. The granting of the SARs and the issuance of Shares under the Plan shall be subject to all applicable laws, rules and regulations,
and to such approvals by any governmental agencies or national securities exchanges as may be required. The SARs shall be null and void to the extent the grant of the SARs or exercise thereof is prohibited under the laws of the country of your
residence. 

  

	7.	Administration. This Award Agreement and your rights hereunder are subject to all the terms and conditions of the Plan, as the same may be amended from
time to time, as well as to such rules and regulations as the Committee may adopt for administration of the Plan. It is expressly understood that the Committee is authorized to administer, construe, and make all determinations necessary or
appropriate to the administration of the Plan and this Award Agreement, all of which shall be binding upon you, the Participant. 

  
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	8.	Continuation of Employment. This Award Agreement shall not confer upon you any right to continuation of employment by the Company or any of its
Affiliates, nor shall this Award Agreement interfere in any way with the Company’s or any of its Affiliate’s right to terminate your employment at any time. 

 

	9.	Plan; Prospectus and Related Documents; Electronic Delivery. 

 

	 	a.	A copy of the Plan will be furnished upon written or oral request made to the Human Resources Department, Genworth Financial, Inc., 6620 W. Broad Street,
Richmond, VA 23230, or telephone (804) 281-6000. 

  

	 	b.	As required by applicable securities laws, the Company is delivering to you a prospectus in connection with this Award, which delivery is being made
electronically. You can access the prospectus on the Company’s intranet via the following web address: http://welcometo.genworth.net/PlanProspectus. A paper copy of the prospectus may also be obtained without charge by contacting the
Human Resources Department at the address or telephone number listed above. By accepting this Award Agreement, you shall be deemed to have consented to receive the prospectus electronically. 

 

	 	c.	The Company will deliver to you electronically a copy of the Company’s Annual Report to Stockholders for each fiscal year, as well as copies of all other
reports, proxy statements and other communications distributed to the Company’s stockholders. You will be provided notice regarding the availability of each of these documents, and such documents may be accessed by going to the Company’s
website at www.genworth.com and clicking on “Investors” and then “SEC Filings & Financial Reports” (or, if the Company changes its web site, by accessing such other web site address(es) containing investor
information to which the Company may direct you in the future) and will be deemed delivered to you upon posting or filing by the Company. Upon written or oral request, paper copies of these documents (other than certain exhibits) may also be
obtained by contacting the Company’s Human Resources Department at the address or telephone number listed above or by contacting the Investor Relations Department, Genworth Financial, Inc., 6620 W. Broad Street, Richmond, VA 23230, or telephone
(804) 281-6000. 

  

	 	d.	By accepting this Award, you agree and consent, to the fullest extent permitted by law, in lieu of receiving documents in paper format to accept electronic
delivery of any documents that the Company may be required to deliver in connection with this Award and any other Awards granted to you under the Plan. Electronic delivery of a document may be via a Company e-mail or by reference to a location on a
Company intranet or internet site to which you have access. 

  

	10.	Amendment, Modification, Suspension, and Termination. The Board of Directors shall have the right at any time in its sole discretion, subject to
certain restrictions, to alter, amend, modify, suspend, or terminate the Plan in whole or in part, and the Committee shall have the right at any time in its sole discretion to alter, amend, modify, suspend or terminate the terms and
conditions of any Award; provided, however, that no such action shall adversely affect in any material way your Award without your written consent. 

 

	11.	Applicable Law. The validity, construction, interpretation, and enforceability of this Award Agreement shall be determined and governed by the laws of the
State of Delaware without giving effect to the principles of conflicts of law. 

  

	12.	Entire Agreement. Except as set forth in Section 13 below, this Award Agreement, the Plan, and the rules and procedures adopted by the Committee
contain all of the provisions applicable to the SARs and no other statements, documents or practices may modify, waive or alter such provisions unless expressly set forth in writing, signed by an authorized officer of the Company and delivered to
you. 

  

	13.	Compensation Recoupment Policy. Notwithstanding Section 12 above, this Award shall be subject to any compensation recoupment policy of the Company
that is applicable by its terms to you and to Awards of this type. 

  
 5 

	14.	Agreement to Participate. If you do not wish to participate in the Plan and be subject to the provisions of this Award Agreement, please contact the Human
Resources Department, Genworth Financial, Inc., 6620 W. Broad Street, Richmond, VA 23230, or at (804) 281-6000, within thirty (30) days of receipt of this Award Agreement. If you do not respond within thirty (30) days of receipt of
this Award Agreement, the Award Agreement is deemed accepted. If you choose to participate in the Plan, you agree to abide by all of the governing terms and provisions of the Plan and this Award Agreement. 

Additionally, by agreeing to participate, you acknowledge that you have reviewed the Plan and this Award Agreement, and you fully
understand all of your rights under the Plan and this Award Agreement, the Company’s remedies if you violate the terms of this Award Agreement, and all of the terms and conditions which may limit your eligibility to retain and receive the SARs
and/or Shares issued pursuant to the Plan and this Award Agreement. 

  
 6

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