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                                                 EXHIBIT 4(d)

GOLDEN AMERICAN                                   Individual Retirement
LIFE INSURANCE COMPANY                            Annuity Rider
A stock domiciled in Wilmington, Delaware
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   On the basis of the application for the Contract to which this Rider
   is attached, this Contract is issued as an Individual Retirement
   Annuity ("IRA") intended to qualify as such under Section 408(b) of
   the Internal Revenue Code, as amended (the "Code").  This Contract is
   established for the exclusive benefit of the Owner and the
   beneficiaries named.

   In the event of any conflict between the provisions of this Rider and
   the Contract to which it is attached, the provisions of this Rider
   will control.  Golden American Life Insurance Company of, ("Golden
   American"), reserves the right to amend or administer the Contract and
   Rider as necessary to comply with applicable tax requirements.  Any such
   change will apply uniformily to all contracts that are affected and the
   Owner will have the right to accept or reject such changes.

CONTRIBUTIONS

   Except in the case of a rollover contribution or a contribution made
   in accordance with the terms of a simplified employee pension ("SEP"),
   no contributions will be accepted unless they are in cash, and the
   total of such contributions will not exceed $2,000 for any taxable
   year.

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

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

NONFORFEITABILITY AND NONTRANSFERABILITY

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

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

ROLLOVERS

   The Owner may make rollover premium purchase payments under the IRA as
   permitted by Section 402(c), 403(a)(4), 403(b)(8), 408(p)(7) or
   408(d)(3).  The Insurer may require that the Owner furnish
   documentation that a rollover premium purchase payment qualifies as a
   rollover under the Code.

SIMPLIFIED EMPLOYEE PENSIONS

   This IRA will accept premium purchase payments made on behalf of the
   Owner by the Owner's employer pursuant to a simplified employee
   pension plan ("SEP") under Code Section 408(k).

GA-RA-1009-08/97                        1

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MINIMUM DISTRIBUTION RULES

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

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

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

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

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

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

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

   (e) In the event the Owner dies after the commencement of benefits
       to him under this IRA, distribution of the remaining benefits
       under the IRA will be made to the beneficiaries named in a method
       at least as rapid as that in effect as of the date of the Owner's
       death.  Commencement of distributions under this section to the
       beneficiaries must be no later than the last day of the calendar
       year in which occurs the first anniversary of the Owner's death.

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

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

GA-RA-1009-08/97                        2

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MINIMUM DISTRIBUTION RULES (CONTINUED)

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

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

   (g) The designated beneficiary may elect to receive
       greater payments than those required under this
       section.  If there is more than one beneficiary,
       the designated beneficiary will be that person
       with the shortest life expectancy for the purposes
       of determining the distribution period.
   (h) For purposes of this Section, any amounts paid
       to a minor child of the Owner will be treated as
       having been paid to the surviving spouse if the
       remainder of the IRA is payable to the surviving
       spouse when the child attains the age of majority.

REPORTS

       The issuer of an individual retirement annuity
       will furnish annual calendar year reports
       concerning the status of the annuity.

GA-RA-1009-08/97                        3
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                                                                Exhibit 4(e)
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  | [APPLICATION appears down the left margin]
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  |   A GOLDEN OPPORTUNITY FOR SELECT CLIENTS
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  |   GoldenSelect/R/ Access One Application
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  | [GOLDENSELECT/R/ ACCESS ONE VARIABLE ANNUITY appears down left margin]
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  |  Issued by Golden American Life Insurance Company
  |  Distributed by Directed Services, Inc., Member NASD
  |  GA-AA-1064                                        ING VARIABLE ANNUITIES
  |                                                                     107405
  |

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GOLDEN AMERICAN LIFE INSURANCE COMPANY      DEFERRED VARIABLE ANNUITY  PW
                                                          APPLICATION  --
P.O. Box 2700, West Chester, PA 19380-2700 Phone:(800) 366-0066
Express Mail: ING Variable Annuities 1475 Dunwoody Drive West Chester, PA 19380
===============================================================================
|1(A)| OWNER
------
Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|1(B)| JOINT OWNER(S)          Relationship to Owner:
------                                               ----------------------

Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|2(A)| ANNUITANT (If other than owner)
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Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
|2(B)| CONTINGENT ANNUITANT (Optional)
------

Name:                                     SSN# or Tax ID:
-------------------------------------------------------------------------------

Permanent Address:                      City:             State:     Zip:
-------------------------------------------------------------------------------

Date of Birth:            Phone:        EMail Address:      Male / / Female / /
-------------------------------------------------------------------------------

===============================================================================
| 3 | BENEFICIARY(S)
-----                                                                Percentage

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Primary Name:                Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Contingent Name:             Relationship to Owner:                  %
             ---------------                       -----------------  ---------

Contingent Name:             Relationship to Owner:                  %
             ---------------                       -----------------  ---------

===============================================================================
| 4 |
-----
PRODUCT                  DEATH BENEFIT OPTIONS (Select One)

               Standard         Ratchet(1)        7% Solution(1)      MAX 7(1)

Access One       / /              / /                / /                / /

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(1) Not available for joint ownership

                                                                  107405
GA-AA-1064                                                    05/09/2000

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===============================================================================
| 5 | INITIAL INVESTMENT & DOLLAR COST AVERAGING                    PW
-----                                                               --
A. INITIAL INVESTMENT
1) Initial Premium Paid: $________ (If initital premium is either an exchange
   or transfer, please indicate approximate premium.)  Please make check payable
   to Golden American Life Insurance Company
2) Fill in percentages for your initial investment allocation(s) in Column (A)
   below

B. DOLLAR COST AVERAGING (DCA) OPTIONAL
1) Amount to be transferred monthly $_________ (Max: 1/12 of premium allocated
   to divisions below)
2) Division or Allocation you're transferring from: / /Limited Maturity Bond
   Division / /Liquid Asset Division / /1 YR Fixed / / 6 Month DCA
3) Please indicate the divisions you wish to transfer to by filling in
   percentage and dollar amounts in Column B below

INVESTMENT ADVISER         ACCOUNT DIVISION        A)INITIAL INVESTMENT  B)DCA
------------------         ----------------          ------------------    ---
A I M CAPITAL              CAPITAL APPRECIATION    $________  ________% ______%
MANAGMENT, INC.

A I M CAPITAL              STRATEGIC EQUITY        $________  ________% ______%
MANAGMENT, INC.

ALLIANCE CAPITAL           CAPITAL GROWTH          $________  ________% ______%
MANAGMENT, INC.

BARING INTERNATIONAL       GLOBAL FIXED INCOME     $________  ________% ______%
INVESTMENT LIMITED

BARING INTERNATIONAL       HARD ASSETS             $________  ________% ______%
INVESTMENT LIMITED

BARING INTERNATIONAL       DEVELOPING WORLD        $________  ________% ______%
INVESTMENT LIMITED

CAPITAL GUARDIAN           SMALL CAP               $________  ________% ______%
TRUST COMPANY

CAPITAL GUARDIAN           MANAGED GLOBAL          $________  ________% ______%
TRUST COMPANY

CAPITAL GUARDIAN           LARGE CAP               $________  ________% ______%
TRUST COMPANY

EAGLE ASSET                VALUE EQUITY            $________  ________% ______%
MANAGEMENT, LLC

ING INVESTMENT MANAGEMENT  ING GLOBAL BRAND NAMES  $________  ________% ______%
ADVISORS B.V.

ING INVESTMENT             LIMITED MATURITY BOND   $________  ________% ______%
MANAGEMENT, LLC

ING INVESTMENT             LIQUID ASSET            $________  ________% ______%
MANAGEMENT, LLC

JANUS CAPITAL              GROWTH                  $________  ________% ______%
CORPORATION

JENNISON ASSOCIATES LLC    PRUDENTIAL JENNISON     $________  ________% ______%

KAYNE ANDERSON             RISING DIVIDENDS        $________  ________% ______%
INVESTMENT MANAGEMENT,LLC

MFS INVESTMENT             MID-CAP GROWTH          $________  ________% ______%
MANAGEMENT

MFS INVESTMENT             RESEARCH                $________  ________% ______%
MANAGEMENT

MFS INVESTMENT             TOTAL RETURN            $________  ________% ______%
MANAGEMENT

PACIFIC INVESTMENT
MANAGEMENT COMPANY (PIMCO) HIGH YIELD BOND         $________  ________% ______%

PACIFIC INVESTMENT
MANAGEMENT COMPANY (PIMCO) StocksPLUS GROWTH       $________  ________% ______%
                            & INCOME

PRUDENTIAL INVESTMENT
CORPORATION                REAL ESTATE             $________  ________% ______%

SALOMON BROTHERS           ALL-CAP                 $________  ________% ______%
ASSET MANAGEMENT, INC.

SALOMON BROTHERS           INVESTORS               $________  ________% ______%
ASSET MANAGEMENT, INC.

T. ROWE PRICE              EQUITY INCOME           $________  ________% ______%
ASSOCIATES INC.

T. ROWE PRICE              FULLY MANAGED           $________  ________% ______%
ASSOCIATES INC.

FIXED ALLOCATIONS: / /1 YR  / /3 YR  / /5 YR
/ /7 YR / /10 YR (Not Available in all states)     $________  ________% ______%

                                          TOTAL =  $________       100%    100%

                                                                  107405
GA-AA-1064                                                    05/09/2000

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===============================================================================
| 6 | TELEPHONE REALLOCATION AUTHORIZATION                               PW
-----                                                                    --
                                   (Owner's initials to validate agent)_______

I authorize Golden American to act upon reallocation instructions given by
electronic means or voice command from the agen that signs below and/or the
following individuals:______________________, _______________________; upon
furnishing his/her social security number or alternative identification.
Neither Golden American nor any person authorized by Golden American will be
responsible for any claim, loss, liability or expenses in connection with
reallocation instructions received by electronic means or voice command from
such person if Golden American or other such person acted on such electronic
means or voice command in good faith in reliance upon this authorization. Golden
American will continue to act upon this authorization until such time as the
person indicated above is no longer affiliated with the broker/dealer under
which my contract was purchased or until such time that I notify Golden American
in writing of a change in instructions.
===============================================================================
| 7 | TAX-QUALIFIED PLANS  (If you are funding a qualified plan, please
-----                       specify type):

/ /IRA Indicate contribution amount and appropriate tax year ________________
/ /IRA Rollover
/ /SEP/IRA  / /SAR SEP IRA  / /401(B) TSA Transfer  / /401(a) Plan
/ /CONDUIT IRA
/ /Roth IRA  If transfer, provide original conversion date ___________
/ /Simple IRA Transfer  Provide establishment date ____________
/ / Other  ________________________

===============================================================================
| 8 | REPLACEMENT
----

Will the coverage applied for replace any existing annuity or life insurance
coverage?   / / Yes (If yes, please fill in below)   / / No

Company Name:                     Policy Number:          Cash Value:
             ---------------------              ----------           ----------

===============================================================================
| 9 | PLEASE READ THE FOLLOWING STATEMENTS CAREFULLY AND SIGN BELOW:
-----

BY SIGNING BELOW, I ACKNOWLEDGE RECEIPT OF THE PROSPECTUS. I AGREE
THAT, TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL STATEMENTS AND
ANSWERS IN THIS APPLICATION ARE COMPLETE AND TRUE AND MAY BE RELIED
UPON IN DETERMINING WHETHER TO ISSUE THE CONTRACT. MY ANSWERS WILL FORM
A PART OF ANY CONTRACT TO BE ISSUED, AND ONLY THE OWNER AND GOLDEN
AMERICAN HAVE THE AUTHORITY TO MODIFY THIS APPLICATION.

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 THE CONTRACT'S CASH SURRENDER VALUE, WHEN BASED
ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT DIVISION, MAY
INCREASE OR DECREASE ON ANY DAY AND THAT NO MINIMUM VALUE IS GUARANTEED.
THE CONTRACT'S COVERAGE IS IN ACCORD WITH MY ANTICIPATED FINANCIAL
OBJECTIVES.

I UNDERSTAND THAT ANY AMOUNT ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT
TO A MARKET VALUE ADJUSTMENT, WHICH MAY CAUSE THE VALUES TO INCREASE OR
DECREAS, PRIOR TO A SPECIFIED DATE OR DATES AS SPECIFIED INTHE CONTRACT.

MY SIGNATURE CERTIFIES, UNDER PENALTY OF PERJURY, THAT TEH 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 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 CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING.

_______________________________________________________________________________
Signature of Owner                          Signed at (City, State)    Date
_______________________________________________________________________________
Signature of Joint Owner (if applicable)    Signed at (City, State)    Date
_______________________________________________________________________________
Signature of Annuitant (if other than       Signed at (City, State)    Date
                        Owner)

===============================================================================
|10| SPECIAL REMARKS
----

===============================================================================
|11| FOR AGENT USE ONLY
----

DO YOU HAVE REASON TO BELIEVE THAT THE CONTRACT APPLIED FOR WILL REPLACE ANY
EXISTING ANNUITY OR LIFE INSURANCE COVERAGE?

/ / YES       / / NO

Client Account Number:  _____________________
_______________________________________________________________________________
Agent Signature    Print Agent Name    Social Security #   Broker/Dealer/Branch

                                                                  107405
GA-AA-1064                                                    05/09/2000
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