Document:

EARNINGS ENHANCEMENT DEATH BENEFIT RIDER
RELIASTAR
LIFE INSURANCE COMPANY
OF NEW YORK

A Stock Company.
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                       (Hereinafter called we, us and our)

The  Contract to which this Rider is attached is modified by the  provisions  of
the Rider.  This Rider's  provisions  control where there is a conflict  between
this Rider and the  Contract.  This Rider is effective  as of the Contract  Date
unless a different date, the Rider Date, is stated below.

This Rider is not available if there are multiple Contract Owners.

EARNINGS ENHANCEMENT DEATH BENEFIT

On the date we receive due proof of the Owner's death  (Annuitant's death if the
Owner is not a natural  person),  we will include in any Death  Benefit  payable
under the  Contract,  an Earnings  Enhancement  Death Benefit in addition to any
other benefits paid or payments due under the Contract. This benefit is equal to
the  lesser of (a) or (b) as of the date we  receive  due  proof of the  Owner's
death,  but not  less  than  zero,  multiplied  by the EEB  Factor  shown in the
Schedule  for the Owner's  Attained Age on the Rider Date (the Rider Issue Age),
where:
(a) is the EEB Base; and
(b) is the Maximum EEB Base.

EEB BASE

If the Rider Date is the same as the  Contract  Date,  the EEB Base shall be the
Accumulation  Value minus premiums paid,  adjusted for any  withdrawals.  If the
Rider  Date is  other  than  the  Contract  Date,  the  EEB  Base  shall  be the
Accumulation Value minus the sum of the Accumulation Value on the Rider Date and
any premiums paid after the Rider Date, adjusted for any withdrawals.

MAXIMUM EEB BASE

If the Rider Date is the same as the Contract  Date,  the Maximum EEB Base shall
be equal to the premiums  paid adjusted for any  withdrawals,  multiplied by the
Maximum EEB Base Factor.  If the Rider Date is other than the Contract Date, the
Maximum EEB Base shall be equal to the Accumulation Value on the Rider Date plus
subsequent premiums paid adjusted for subsequent withdrawals,  multiplied by the
Maximum EEB Base Factor. The Maximum EEB Base Factor is shown in the Schedule.

PARTIAL WITHDRAWAL ADJUSTMENTS

For any  partial  withdrawal,  the EEB Base  and the  Maximum  EEB Base  will be
reduced on a prorata  basis.  The prorata  adjustment is equal to (1) divided by
(2),  multiplied by (3), where: (1) is the Accumulation Value withdrawn,  (2) is
the Accumulation Value immediately prior to withdrawal, and (3) is the amount of
the EEB Base or  Maximum  EEB  Base,  as  applicable,  immediately  prior to the
withdrawal.

EEB CHARGES

The charge for this Rider is a percentage of the  Accumulation  Value, as of the
deduction  date.  It is deducted in arrears from each  division in proportion to
the percentage of the Variable Separate Account  Accumulation Value allocated to
each  division.  If there is  insufficient  Accumulation  Value in the  Separate
Account,  charges will be deducted from the Fixed Division nearest maturity. The
maximum  rate and  frequency  of deduction of charges are stated on the Schedule
Page. We may charge less than the maximum. Deduction dates are measured from the
Contract Date.

If the Contract to which the Rider is attached, or this Rider, is terminated for
any reason,  the Rider  charge for the current  period will be deducted pro rata
from the Accumulation  Value prior to termination of the Contract.  Charges will
be calculated using the Accumulation Value immediately prior to termination.

CHANGE OF OWNER

A change of Owner from a sole Owner to a sole Owner will result in recalculation
of the EEB Base and the Maximum EEB Base using the Accumulation  Value as of the
date of the change. In addition, the EEB Factor, Maximum EEB Base Factor and EEB
Charge  Maximum  Rate will be  adjusted  if  applicable,  using the new  Owner's
Attained Age as the Rider Issue Age. If the new Owner's Attained Age at the time
of the change exceeds the EEB Maximum Age, this Rider will

RLNY RA 1086
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terminate. If a change in ownership results in multiple Owners, this Rider will
terminate. The EEB Maximum Age is shown in the Schedule.

CONTINUATION UPON DEATH OF OWNER

If at the Owner's  death,  the  surviving  spouse of the  deceased  Owner is the
Beneficiary  and such surviving  spouse elects to continue the Contract as their
own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions
of U.S.  Treasury  Department  rules for qualified  plans,  as  applicable,  any
benefit payable under this Rider is added to the Contract's  Accumulation Value.
Unless otherwise requested,  such addition will be allocated to the divisions of
the Separate  Account in the same proportion as the  Accumulation  Value in each
division bears to the Accumulation Value in the Separate Account. If there is no
Accumulation  Value in the Separate  Account,  the addition will be allocated to
the Liquid Asset Division, or its successor.

If the Attained Age of the surviving spouse is less than the EEB Maximum Age:
1. The EEB Base  thereafter  will be equal to (a) minus the sum of (b) plus (c),
adjusted for any withdrawals, where:

(a) is the Accumulation Value;

(b) is the  Accumulation  Value  on the date we  receive  due  proof  of  death,
including any benefits or amounts added to the Accumulation Value as a result of
death, and

(c) is any subsequent premium payments;

2. The Maximum EEB Base will be reset based on the Accumulation  Value as of the
date we receive due proof of death, adjusted for subsequent premium payments and
withdrawals;

3. The EEB Factor and Maximum EEB Base Factor will be reset if applicable, using
the spouse's Attained Age as the Rider Issue Age; and

4. The Maximum Annual Charge Rate for this Rider will be unchanged.

If the  Contract  is  continued  in  effect  after  the  death of the Owner by a
non-spouse Beneficiary, or a spouse Beneficiary who exceeds the Maximum EEB Age,
the benefit payable under this Rider will be added to the Accumulation  Value as
stated above and this Rider will terminate.

RIDER TERMINATION

This Rider will terminate  immediately  upon occurrence of any of the following:

1. If the Contract to which this Rider is attached terminates, including
application of the Contract to an Income Option;

2. On death of the Owner, unless the Contract is continued on the life of the
Owner's spouse whose Attained Age is less than the EEB Maximum Age;

3. If the Owner is not a natural person and the Annuitant dies;

4. If ownership of the Contract changes and the Attained Age of new Owner
exceeds the EEB Maximum Age or the change results in multiple Owners; or

5. If the Accumulation Value is insufficient to cover the EEB Charge deduction.

This  Rider  has no  surrender  value  or  other  non-forfeiture  benefits  upon
termination.  This Rider may not be cancelled  unless the Contract is terminated
or  surrendered,  subject to the  "Change of Owner" and the "Rider  Termination"
provisions above.

Rider Date: _________________________
(if other than Contract Date)

Signed: /s/James R. Gelder

RLNY RA 1086ING [Logo]
                                    Reliastar Life Insurance Company of New York
                 P.O. Box 2700 West Chester, PA 19380-2700 Phone: (800) 366-0066
        Express Mail: ING ANNUITIES, 1475 Dunwoody Drive, West Chester, PA 19380
                   ING SMARTDESIGN VARIABLE ANNUITY- NEW YORK CUSTOMER DATA FORM

CONTRACT INFORMATION
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TYPE OF CONTRACT
NON-QUALIFIED

       __Regular        __1035 Exchange*

QUALIFIED
      A.__Initial       ___Transfer*      __Rollover*

      B.__IRA        __403(b)       __Roth IRA
        __IRA to Roth IRA           __SEP-IRA
        __Other __________________________

      C.__Individual         ___Custodial
        Tax Year for which contribution is being made _______________________
*Please attach required additional forms.

Option Package: (select one)
       __Option Package I
       __Option Package II**
       __Option Package III**

Death Benefit, withdrawal options and expenses will vary depending on the Option
Package  chosen.  Please  refer to your  prospectus  for further  details on the
Option Packages available under this contract.

Optional Benefits
      __SmartDesign Earnings Multiplier**

**Not available for Joint Owners

Read your prospectus for further details.

PRE-AUTHORIZED CHECKING, DOLLAR COST AVERAGING AND ACCOUNT REBALANCING ARE NOT
PERMITTED INTO THE GET FUND.

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OWNER INFORMATION
OWNER           __Male    __Female

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Name:         SSN# or Tax ID:

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Permanent Address:

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City:           State:   Zip:

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Date of Birth:          EMail Address:

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Telephone: Home         Work

JOINT OWNER (Optional: Non-Qualified Only)  Available with Option Package I Only
                    ___Male    ___Female

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Name:              SSN# or Tax ID:

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Permanent Address:

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City:           State:   Zip:

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Date of Birth:          EMail Address:

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Telephone: Home         Work

__Check box to have a 2nd statement sent to address above.

ANNUITANT If other than owner (For Qualified contracts, the Annuitant must also
          be the owner; Note: annuitant may not be changed)

                      __Male    __Female

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Name:           SSN# or Tax ID:

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Permanent Address:

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City:           State:   Zip:

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Date of Birth:          EMail Address:

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Telephone: Home         Work

BENEFICIARY(IES) (Please refer to prospectus for details)
        Complete Legal Name   Relationship   Social Security No.    Percentage

Primary:
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Primary:__

Contingent:__
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Primary:__

Contingent:__
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PAYMENT INFORMATION

__Initial Payment: $______________ Make check payable to Reliastar Life
  Insurance Company of New York (RLNY)

__Estimated amount of transfer/1035 exchange $______________

__Pre-authorized Payment Plan - I authorize (1) RLNY to debit the account
  indicated on the enclosed check for the payment amount indicated on this form;
  and (2) the bank indicated on the enclosed check to pay RLNY and charge
  the account shown on the enclosed check for debits drawn and payable to RLNY
  as payments under this contract. (Attach check marked "VOID.") May not be
  available on this contract.

Preferred Debit Date:  ____________________ any day prior to the 28th
Amount:__Monthly  $_________ Quarterly $_____
       __Semiannually $_____ Annually $______

RLNY-CDF-1088                      Page 1 of 3                 03/20/2002 122497
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ALLOCATION OF INITIAL PAYMENT
Variable Investment Options2
(Percentages must be in whole number)
________% AIM VI Dent Demographic Trends Fund2
________% AIM VI Growth Fund2
________% Alliance VP AllianceBernstein Value Portfolio2
________% Alliance VP Growth and Income Portfolio2
________% Alliance VP Premier Growth Portfolio2
________% Eagle Value Equity Series
________% Fidelity VIP Equity-Income Portfolio2
________% Fidelity VIP Growth Portfolio2
________% Fidelity VIP II Contra fund Portfolio2
________% ING GET Fund (when available)3
________% ING JP Morgan Mid Cap Value Portfolio
________% ING MFS Capital Opportunities Portfolio
________% ING MFS Global Growth Portfolio
________% ING Van Kampen Comstock Portfolio
________% ING VP Convertible Portfolio2
________% ING VP Growth & Income Portfolio
________% ING VP Index Plus LargeCap Portfolio2
________% ING VP Index Plus MidCap Portfolio2
________% ING VP Index Plus SmallCap Portfolio2
________% ING VP Large Cap Portfolio
________% ING VP MagnaCap Portfolio2
________% ING VP Value Opportunity Portfolio2
________% ING VP Worldwide Growth Portfolio
________% International Enhances EAFE Series
________% International Equity Series
________% INVESCO VIF Financial Services Fund
________% INVESCO VIF Health Sciences Fund
________% INVESCO VIF Leisure Fund
________% INVESCO VIF Utilities Fund
________% Janus Aspen Worldwide Growth Portfolio
________% Janus Growth and Income Series2
________% Jennison Portfolio2
________% JP Morgan Fleming Small Cap Equity Series
________% Liquid Asset Series
________% MFS Research Series
________% MFS Total Return Series
________% PIMCO Core Bond Series
________% PIMCO VI High Yield Bond Portfolio
________% Pioneer Fund VCT Portfolio2
________% Pioneer Small Company VCT Portfolio2
________% Prudential SP Jennison International Growth Portfolio2
________% Putnam VT Growth and Income Fund2
________% Putnam VT International Growth and Income Fund2
________% Putnam VT Voyager Fund II2
________% UBS Tactical Asset Allocation Portfolio2

Fixed Investment Options
________% Fixed Account 6-Month DCA Term
________% Fixed Account 1-Year DCA Term
________% Fixed Account 1-Year Term
________% Fixed Account 3-Year Term
________% Fixed Account 5-Year Term
________% Fixed Account 7-Year Term
________% Fixed Account 10-Year Term
____100_% Total

DOLLAR COST AVERAGING (DCA)1,2
__I elect DCA for a period of _______ months. DCA program will commence
immediately following purchase payment. (6-12 mos. for the Fixed Interest
Division (DCA Only).)

Transfer ________________ every __Month  __Quarter

Source Fund:
__Liquid Asset Division       __1 YR Fixed DCA       __6-Month Fixed DCA

To the following variable investment option(s):
(ENTER DOLLAR AMOUNT OR WHOLE PERCENTAGE AMOUNT.)
________ AIM VI Dent Demographic Trends Fund2
________ AIM VI Growth Fund2
________ Alliance VP AllianceBernstein Value Portfolio2
________ Alliance VP Growth and Income Portfolio2
________ Alliance VP Premier Growth Portfolio2
________ Eagle Value Equity Series
________ Fidelity VIP Equity-Income Portfolio2
________ Fidelity VIP Growth Portfolio2
________ Fidelity VIP II Contra fund Portfolio2
________ ING JP Morgan Mid Cap Value Portfolio
________ ING MFS Capital Opportunities Portfolio
________ ING MFS Global Growth Portfolio
________ ING Van Kampen Comstock Portfolio
________ ING VP Convertible Portfolio2
________ ING VP Growth & Income Portfolio
________ ING VP Index Plus LargeCap Portfolio2
________ ING VP Index Plus MidCap Portfolio2
________ ING VP Index Plus SmallCap Portfolio2
________ ING VP Large Cap Portfolio
________ ING VP MagnaCap Portfolio2
________ ING VP Value Opportunity Portfolio2
________ ING VP Worldwide Growth Portfolio
________ International Enhances EAFE Series
________ International Equity Series
________ INVESCO VIF Financial Services Fund
________ INVESCO VIF Health Sciences Fund
________ INVESCO VIF Leisure Fund
________ INVESCO VIF Utilities Fund
________ Janus Aspen Worldwide Growth Portfolio
________ Janus Growth and Income Series2
________ Jennison Portfolio2
________ JP Morgan Fleming Small Cap Equity Series
________ Liquid Asset Series
________ MFS Research Series
________ MFS Total Return Series
________ PIMCO Core Bond Series
________ PIMCO VI High Yield Bond Portfolio
________ Pioneer Fund VCT Portfolio2
________ Pioneer Small Company VCT Portfolio2
________ Prudential SP Jennison International Growth Portfolio2
________ Putnam VT Growth and Income Fund2
________ Putnam VT International Growth and Income Fund2
________ Putnam VT Voyager Fund II2
________ UBS Tactical Asset Allocation Portfolio2

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1 DCA does not ensure a profit or guarantee  against loss in a declining market.
2 The shares of these  portfolios  are subject to  distribution  and/or  service
(12b-1) fees
3 Because  each series of the GET Fund is a limited time  offering,  please note
that any  initial  or  subsequent  deposits  received  for the GET Fund  will be
allocated to the series that is then available. If no series is available,  your
deposit  will  be  allocated  to  the  Liquid  Asset  Series,  unless  otherwise
specified.

RLNY-CDF-1088                      Page 2 of 3                 03/20/2002 122497
<PAGE>

ACCOUNT REBALANCING PROGRAM
__I elect the Account Rebalancing Program. (check one)
__Quarterly       __Semiannually    __Annually

With this program,  amounts in the variable  investment options are reallocated,
as frequently as you elect above, to reflect the  percentages  indicated on this
form. May not use DCA concurrently. ACCOUNT REBALANCING PROGRAM IS NOT PERMITTED
INTO THE GET FUND.
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SYSTEMATIC WITHDRAWAL OPTION

Amount (per year): $______________ or ______________% (up to a maximum of 10%
                                                       per account year)
Frequency:       Monthly         Quarterly       Annually
Start date: ____________________ (mo/yr) on the  15th or  28th

  Electronically deposit my payments to: Account # ____________________________
  Bank Routing # ______________________________ (Please attach VOIDED check.)

Federal law requires that 10% must be withheld from taxable distributions unless
you elect not to have taxes  withheld.  You may be subject to tax  penalties  if
your payments of estimated tax and withholding are not adequate.
  __I do not wish to have taxes withheld

RLNY offers other Systematic Distribution Options. Please refer to the
Systematic Distribution Options form.

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SPECIAL REMARKS

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DISCLOSURES AND SIGNATURES
Please read the following statements carefully and sign below:

*By signing below, I acknowledge  receipt of the  Prospectus.  I understand that
this contract's cash surrender value 1) when based on the investment  experience
of a variable  investment option may increase or decrease on any day and that no
minimum  value is  guaranteed,  and 2) when based on the Fixed  Account,  may be
subject  to a Market  Value  Adjustment,  the  operation  of which may cause the
values to increase or decrease.  This contract is consistent with my anticipated
financial needs.

*I certify  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.

*I understand that this contract and the underlying  Series shares or securities
which fund this  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.  I also  understand  that they are  subject  to market  fluctuation,
investment risk and possible loss of principal invested.

*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.

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Signature of Owner      Signed at (City, State) Date

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Signature of Joint Owner (If applicable)        Signed at (City, State) Date

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Signature of Annuitant (If other than owner)    Signed at (City, State) Date

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  (If yes, submit required replacement forms.)  __No

        COMMISSION ALTERNATIVE(select one-please verify with your broker/dealer
        that the option you select is available):
        __A       __B       __C        Client's Account Number: ________________

        ------------------------------------------------------------------------
        Agent Signature           Print Agent Name            Agent Phone Number

        ------------------------------------------------------------------------
        Social Security #   License#/Broker -Code           Broker/Dealer/Branch

RLNY-CDF-1088                      Page 3 of 3                 03/20/2002 122497
<PAGE>

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