Document:

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                                                    Exhibit 4(c)

                      [SPECIMEN COMMON STOCK CERTIFICATE]

                         DYNAMICS RESEARCH CORPORATION
        INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS

                                                               CUSIP 268057 10 6

NUMBER                                                               SHARES

DB-5000                                                         - - - - - - - -

THIS IS TO CERTIFY THAT _______________________________________  is the owner of

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
FULLY PAID AND NON-ASSESSABLE SHARES, OF THE $.10 PAR VALUE COMMON STOCK OF
DYNAMICS RESEARCH CORPORATION (herein called the "Corporation") transferable on
the books of the Corporation by the holder hereof in person or by duly
authorized attorney upon surrender of this Certificate properly endorsed.  This
Certificate and the shares represented hereby are issued and shall be subject to
all of the provisions of the Articles of Organization and the By-Laws of the
Corporation, as amended from time to time (copies of which are on file with the
Transfer Agent), to all of which the holder, by acceptance hereof, assents.
This Certificate is not valid until countersigned by the Transfer Agent.

WITNESS the facsimile seal of the Corporation and the facsimile signatures of
its duly authorized officers.

Dated:

                                      _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
                                        President and Chief Executive Officer

[CORPORATE SEAL]
<PAGE>

                                 [Other Side]

    The following abbreviations, when used in the inscription of the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM -- as tenants in common
TEN ENT -- as tenants by the entireties
JT TEN  -- as joint tenants with right of survivorship and not as tenants in
           common
UNIF GIFT MIN ACT -- ________________ Custodian _________________
                          (Cust)                     (Minor)
                     under Uniform Gifts to Minors
                     Act _______________________
                                 (State)

    Additional abbreviations may also be used though not in the above list.

FOR VALUE RECEIVED, _____________________ hereby sell, assign and transfer unto

Please Insert Social Security or Other
    Identifying Number of Assignee
--------------------------------------

--------------------------------------

--------------------------------------------------------------------------------
 (Please Print or Typewrite Name and Address, including Zip Code as Assignee)

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----------------------------------------------------------------------- Shares
of the capital stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

----------------------------------------------------------------------- Attorney
to transfer the said stock on the books of the within named Corporation with
full power of substitution in the premises.

Dated
      ---------------------------------

              X
                ---------------------------------------------------------------
                NOTICE: The signature to this assignment must correspond with
                the name as written upon the face of the Certificate in every
                particular, without alteration or enlargement or any change
                whatever.<PAGE>

                 [LEARNINGSTAR CORPORATION LOGO APPEARS HERE]

  ---------------                                            ---------------
      NUMBER                                                      SHARES
  LS____________                                             _______________
  ---------------                                            ---------------

                              LearningStar Corp.

INCORPORATED UNDER                                             COMMON STOCK
 THE LAWS OF THE                                             SEE REVERSE FOR
STATE OF DELAWARE                                           CERTAIN DEFINITIONS

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THIS CERTIFIES THAT                                         CUSIP 52201M 10 9

is the owner of
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            FULLY PAID AND NON-ASSESSABLE SHARES OF THE PAR VALUE
                      OF $.01 EACH OF THE COMMON STOCK OF

LearningStar Corp. transferable upon the books of the Corporation in person or
by attorney upon surrender of this certificate duly endorsed or assigned. This
certificate and the shares represented hereby are subject to the laws of the
State of Delaware and to the Second Amended and Restated Certificate of
Incorporation and Second Amended and Restated By-Laws of the Corporation as from
time to time amended.

     This certificate is not valid until countersigned by the Transfer Agent and
registered by the Registrar.

IN WITNESS WHEREOF, LearningStar Corp. has caused its facsimile corporate seal
and the facsimile signatures of its duly authorized officers to be hereunto
affixed.

Dated:

       ROBERT J. CAHILL                                  AL NOYES

       --------------------                              --------------------
       /s/ Robert J. Cahill                              /s/ Al Noyes

       Chief Financial Officer                           Chief Executive Officer
        and Treasurer

                   [SEAL OF LEARNINGSTAR CORP. APPEARS HERE]

<PAGE>

                              LearningStar Corp.

     THE CORPORATION IS AUTHORIZED TO ISSUE MORE THAN ONE CLASS OR SERIES OF
STOCK. A COPY OF THE PREFERENCES, POWERS, QUALIFICATIONS AND RIGHTS OF EACH
CLASS AND SERIES WILL BE FURNISHED BY THE CORPORATION UPON WRITTEN REQUEST AND
WITHOUT CHARGE.

The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

                                       UNIF GIFT
TEN COM - as tenants in common         MIN ACT -  _________ Custodian _________
TEN ENT - as tenants by the entireties            (Cust)              (Minor)
JT TEN  - as joint tenants with right
          of survivorship and not as              under Uniform Gifts to Minors
          tenants in common                       Act__________________________
                                                               (State)

    Additional abbreviations may also be used though not in the above list.

For value received _________________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY
 OR OTHER IDENTIFYING NUMBER
         OF ASSIGNEE
_____________________________

________________________________________________________________________________

________________________________________________________________________________
            PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS OF ASSIGNEE

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________ Shares
of the capital stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

_______________________________________________________________________ Attorney
to transfer the said stock on the books of the within-named Corporation with
full power of substitution in the premises.

Dated, _________________________________________________________________________

                    ____________________________________________________________
                    NOTICE. THE SIGNATURE TO THE ASSIGNMENT MUST CORRESPOND WITH
                    THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN
                    EVERY PARTICULAR WITHOUT ALTERATION OR ENLARGEMENT OR ANY
                    CHANGE WHATSOEVER.

Signature(s) Guaranteed: ______________________________________________________
                         THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE
                         GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND
                         LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN
                         AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM),
                         PURSUANT TO S.E.C. RULE 17AG-15<PAGE>

                                EXHIBIT (10)(i)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the references to our firm under the captions "Financial
Statements" in the Prospectus and "Independent Auditors" in the Statement of
Additional Information and to the use of our reports (1) dated February 2, 2001
with respect to the financial statements of the subaccounts of The Fidelity
Variable Annuity Account, which are available for investment by the contract
owners of Fidelity Income Plus, and (2) dated February 15, 2001 with respect to
the statutory-basis financial statements and schedules of PFL Life Insurance
Company, included in Post-Effective Amendment No. 12 to the Registration
Statement (Form N-4 No. 33-37498) and related Prospectus of Fidelity Income
Plus.

                                     Ernst & Young LLP

Des Moines, Iowa
April 24, 2001<PAGE>

                                EXHIBIT (4)(e)

                          FORM OF POLICY ENDORSEMENT
                        (ADDITIONAL DEATH DISTRIBUTION)
<PAGE>

              [LETTERHEAD OF TRANSAMERICA LIFE INSURANCE COMPANY]

                 (Hereafter called the Company, we, our or us)

                        ADDITIONAL DEATH BENEFIT RIDER

We issued this rider as a part of the policy to which it is attached.

This rider will pay an Additional Death Benefit amount equal to a percentage of
the gains accumulated in the policy since the rider was added.  This additional
death benefit will be paid whenever death proceeds are payable on the base
policy to which this rider is attached.

This rider will be considered terminated when the policy is annuitized or
surrendered, or an additional death benefit is paid under the terms of this
rider.  You may also terminate this benefit at any time by notifying us at our
service center.  Once terminated, this rider may be re-elected.  However, a new
rider will be issued and the Additional Death Benefit amount will be re-
determined.

Policy Number:                          [123456]
Rider Date:                             [11-14-2000]
Additional Death Benefit Factor:        [10.00]%
Rider Fee Percentage:                   [0.75]%

DEFINITIONS

Rider Anniversary
The anniversary of the Rider Date for each year the rider remains in force.

Rider Date
The date that this rider is added to the policy.

Rider Earnings
The policy gains accrued and not previously withdrawn since the Rider Date.  On
a given date, this amount is equal to: the death proceeds of the base policy;
minus the Policy Value of the base policy on the Rider Date; minus premiums paid
after the rider date; plus amounts withdrawn from the Policy Value after the
Rider Date that exceed the Rider Earnings on the date of the withdrawal.

ADDITIONAL DEATH BENEFIT AMOUNT
If death proceeds are payable under the terms of the base policy to which this
rider is attached, this rider will pay an Additional Death Benefit equal to the
Additional Death Benefit Factor multiplied by the Rider Earnings on the date
used to calculate the death proceeds.

ADDITIONAL DEATH BENEFIT PREMIUM
We will deduct a fee from the Policy Value on each Rider Anniversary and a pro-
rated fee on the termination date of the rider.  The Rider Fee is equal to the
Policy Value at the time the fee is deducted, multiplied by the Rider Fee
Percentage shown on the first page of this rider.  The fee will be deducted from
each subaccount and fixed account in proportion to the amount of Policy Value in
each account.  This fee will not be deducted after the policy is annuitized.

RTP 1 201
<PAGE>

SPOUSAL CONTINUATION
If a death occurs and the deceased's spouse, if any, is continuing the base
policy in lieu of receiving the death proceeds, the continuing spouse has the
following options:

 .    Terminate the Additional Death Benefit Rider and receive a one-time Policy
     Value increase equal to the amount of the Additional Death Benefit. All
     future surrender charges on this amount, if any, will be waived.

 .    Continue the Additional Death Benefit Rider without the one-time Policy
     Value increase. An Additional Death Benefit Amount would then be paid upon
     the death of the continuing spouse.

Additional Death Benefit Example:

<TABLE>
<CAPTION>
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Additional Death Benefit Example Assumptions:
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<S>                                                                                                                 <C>
Contract value at rider issue                                                                                       $100,000
Premium payments after rider issue                                                                                  $ 25,000
Rider Earnings withdrawn                                                                                            $ 35,000
Death proceeds on base contract                                                                                     $225,000
Additional Death Benefit Factor                                                                                     10%

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Additional Death Benefit Calculations:
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Rider Earnings = death proceeds - contract value on the Rider Date - premium payments after the Rider Date +
withdrawals that exceed Rider Earnings on date of withdrawal = $225,000 - $100,000 - $25,000 + $0                   $100,000

Additional Death Benefit Amount = Additional Death Benefit Factor * Rider Earnings = 10% * $100,000                 $ 10,000

Total death proceeds = death proceeds on base contract + Additional Death Benefit Amount = $225,000 + $10,000       $235,000
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</TABLE>

                       Signed for Us at our Home Office.

                  /s/ Craig D. Vermie          /s/ Larry N. Norman
                      SECRETARY                    PRESIDENT

RTP 1 210 (2)

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