Document:

Exhibit

Exhibit 4(h)

Home Office:  Cincinnati, Ohio
Administrative Office:  P.O. Box 5420, Cincinnati, Ohio 45201-5420

GOVERNMENTAL SECTION 457 PLAN
ENDORSEMENT

The annuity contract is changed as set out below to add provisions for a governmental Section 457 plan.  This endorsement and the annuity contract to which it is attached are not valid without additional endorsement(s) defining the Plan and Plan Administrator.

APPLICABLE TAX LAW RESTRICTIONS.  This annuity contract is intended to receive contributions pursuant to an eligible deferred compensation plan as defined under Internal Revenue Code ("IRC") Section 457(b) that is maintained by a state, a political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state.  It is restricted as required by federal tax law.  We may change the terms of this annuity contract or administer this annuity contract at any time as needed to comply with that law.  Any such change may be applied retroactively.

ANNUITANT.  “Annuitant” means the designated person covered under the Plan for whose benefit this annuity contract was purchased.  If the owner of this annuity contract is the Employer or Plan trustee, then any reference in this annuity contract to the owner’s life, age, death, or spouse shall be treated as a reference to the Annuitant’s life, age, death, or spouse.

EXCLUSIVE BENEFIT.  This annuity contract is established for the exclusive benefit of the Annuitant and his or her beneficiaries.  No amounts held under this annuity contract may be used for or diverted to any purpose other than the provision of Plan benefits except as permitted by the Plan after the complete satisfaction of all liabilities to persons covered by the Plan and their beneficiaries.  Until distributed, the Plan retains all legal ownership rights and controls over the Annuitant’s interest in the annuity contract except as provided by the Plan Administrator.

NO ASSIGNMENT OR TRANSFER.  No interest in this annuity contract may be assigned, sold, or transferred.  No interest in this annuity contract may be pledged to secure a loan or the performance of an obligation, or for any other purpose.  The only exceptions to these rules are:

		
	1)
	if this annuity contract is owned by the Employer or Plan trustee, it may be transferred to a successor Employer or Plan trustee, or to the Annuitant or another person entitled to Plan benefits through the Annuitant;

		
	2)
	the Annuitant’s interest in this annuity contract may secure a loan made to the Annuitant under any loan provisions of this annuity contract;

	
			
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Exhibit 4(h)

		
	3)
	all or part of the Annuitant’s interest in this annuity contract may be transferred under a Qualified Domestic Relations Order as defined in IRC Section 414(p); and

		
	4)
	payments may be made based on the joint lives or joint life expectancies of the Annuitant and another person, but such other person shall have no present rights under this annuity contract during the lifetime of the Annuitant.

Except as elected under the Direct Rollover provision, any distributions under this annuity contract shall be paid either to the Plan trustee or to the Annuitant or other person entitled to Plan benefits through the Annuitant, as may be directed by the Plan Administrator.

LIMITS ON CONTRIBUTIONS.  Contributions to this annuity contract that represent contributions to the Plan must not exceed the limits set forth in IRC Section 457(b) and (c).  Catch-up contributions may be made to the full extent permitted by IRC Section 414(v).  No elective contributions may be made by the Annuitant with respect to any month unless the Annuitant has entered an agreement for deferral before the first day of that month.  However, an elective contribution may be made for the first month of employment of the Annuitant if the agreement for deferral is made on or before the date that service with the Employer begins.  Additional limits may apply under the terms of the Plan.  The Plan Administrator shall ensure compliance with these IRC limits and any Plan limits.

DISTRIBUTION RESTRICTIONS.  As required under IRC Section 457(d), no distributions from this annuity contract can be made until:

1)the calendar year in which the Annuitant reaches age 70-1/2; or

2)the Annuitant has a severance from employment with the Employer; or

3)the Annuitant is faced with an unforeseeable emergency as defined under the IRC; or

4)the conditions are met for an in-service distribution under IRC Section 457(e)(9).

For this purpose, a direct transfer to a defined benefit governmental plan as defined in IRC Section 414(d), that is made to purchase permissive service credit as defined in IRC Section 415(n)(3)(A) or as a repayment described in IRC Section 415(k)(3), shall not be treated as a distribution.

Additional limits may apply under the terms of the Plan.  The Plan Administrator shall determine when a distribution is allowed under this IRC section and the Plan.

DIRECT ROLLOVERS.  To the extent required under IRC Section 401(a)(31), the Annuitant or his or her surviving spouse may elect to have any portion of an eligible rollover distribution, as defined in IRC Section 403(b)(8), paid directly to an Individual Retirement Annuity or Individual Retirement Account, as defined in IRC Section 408, or, if allowed, to another governmental Section 457 plan or other eligible retirement plan described in IRC Section 402(c)(8)(B), specified by the Annuitant or surviving spouse and which accepts such distribution.  Any direct rollover election must be made on our form, and must be received at our office before the date of payment.

REQUIRED MINIMUM DISTRIBUTIONS DURING LIFE.  All distributions made hereunder shall be made in accordance with the requirements of IRC Section 401(a)(9) and Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations. If distributions are not made in the form of an annuity on an irrevocable basis (except for acceleration), then distribution of the Annuitant’s entire interest in this annuity contract must satisfy the requirements of IRC Section 401(a)(9) and Section 1.401(a)(9)-5 of the Income Tax Regulations instead of the requirements set out herein.

	
			
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Exhibit 4(h)

The Required Beginning Date for distributions under this annuity contract is April 1 following the later of the calendar year in which the Annuitant reaches age 70-1/2 or the calendar year in which the Annuitant retires.  No later than the Required Beginning Date, the Annuitant’s entire interest in this annuity contract must begin to be distributed over (i) the Annuitant’s life or the lives of the Annuitant and his or her designated beneficiary, or (ii) a period certain not to exceed the Annuitant’s life expectancy or the joint and last survivor expectancy of the Annuitant and his or her designated beneficiary.  Payments must be made in periodic payments at intervals of no longer than one (1) year, and must be either nonincreasing or they may increase only as provided in Q&A-1 and Q&A-4 of Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations.  In addition, any distribution must satisfy the incidental benefit requirements specified in Q&A-2 of Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations.

The distribution period described above cannot exceed the period specified in Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations.  The first required payment can be made as late as the Required Beginning Date and must be the payment that is required for a single payment interval.  The second payment need not be made until the end of the next payment interval.

The Annuitant’s interest in this annuity contract includes the amount of any outstanding rollover or transfer, and the actuarial value of any other benefits provided under the annuity contract, such as guaranteed death benefits, to the extent required by regulations.
 
For purposes of this provision, the Annuitant’s designated beneficiary is an individual designated under the Plan to receive payments after the Annuitant’s death and who qualifies as a designated beneficiary under Section 1.401(a)(9)-4 of the Income Tax Regulations.

REQUIRED MINIMUM DISTRIBUTIONS AFTER DEATH.  If the Annuitant dies after required distributions begin, the remaining portion of the Annuitant’s interest in this annuity contract will continue to be distributed under the contract option chosen.

If the Annuitant dies before required distributions begin, the Annuitant’s entire interest in this annuity contract will be distributed as least as rapidly as follows:

		
	1)
	If an individual other than the Annuitant’s surviving spouse is his or her designated beneficiary, then the Annuitant’s entire interest will be distributed over the remaining life expectancy of that individual, with payments starting by the end of the calendar year following the calendar year of the Annuitant’s death. The life expectancy of the designated beneficiary will be determined using his or her age as of his or her birthday in the year following the year of the Annuitant’s death.  Alternatively, if elected, the Annuitant’s entire interest in this annuity contract will be distributed by the end of the calendar year that contains the fifth anniversary of the Annuitant’s death.

		
	2)
	If the Annuitant’s surviving spouse is his or her sole designated beneficiary, then the Annuitant’s entire interest will be distributed over such spouse’s life, with payments starting by the end of the calendar year following the calendar year of the Annuitant’s death, or if later, by the end of the calendar year in which the Annuitant would have reached age 70-1/2.  Alternatively, if elected, the Annuitant’s entire interest in this annuity contract will be distributed by the end of the calendar year that contains the fifth anniversary of the Annuitant’s death.

	
			
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Exhibit 4(h)

If the Annuitant’s surviving spouse dies before required distributions begin to him or her, the remaining interest will be distributed over the remaining life expectancy of the spouse’s designated beneficiary, with payments starting by the end of the calendar year following the calendar year of the spouse’s death.  The life expectancy of the spouse’s designated beneficiary will be determined using his or her age as of his or her birthday in the year following the death of the Annuitant’s spouse.  Alternatively, if elected, the remaining interest in this annuity contract will be distributed by the end of the calendar year that contains the fifth anniversary of the surviving spouse’s death.
If the Annuitant’s surviving spouse dies after required distributions begin to him or her, any remaining interest will continue to be distributed under the contract option chosen.

		
	3)
	If there is no designated beneficiary, then the Annuitant’s entire interest in this annuity contract will be distributed by the end of the calendar year containing the fifth anniversary of the Annuitant’s death.

Life expectancy is determined using the Single Life Table in Q&A-1 of Section 1.401(a)(9)-9 of the Income Tax Regulations.  If distributions are being made to the Annuitant’s surviving spouse as the designated beneficiary, the spouse’s remaining life expectancy for a year is the number in the Single Life Table corresponding to such spouse’s age on his or her birthday in the year.  In all other cases, remaining life expectancy for a year is the number in the Single Life Table in the year such individual’s life expectancy is first determined, reduced by one (1) for each subsequent year.

Required distributions are considered to begin on the Required Beginning Date or, if applicable, on the date distributions are required to begin to a surviving spouse.  However, if distributions under this annuity contract start prior to such date on an irrevocable basis (except for acceleration) in a form meeting the requirements of Section 1.401(a)(9)-6T of the Temporary Income Tax Regulations, then required distributions are considered to begin on the annuity starting date.
 
The Annuitant’s interest in this annuity contract includes the amount of any outstanding rollover or transfer, and the actuarial value of any other benefits provided under the annuity contract, such as guaranteed death benefits, to the extent required by regulations.

For purposes of this provision, a designated beneficiary is an individual designated under this annuity contract to receive payments after the Annuitant’s death (or the death of the Annuitant’s surviving spouse) and who qualifies as a designated beneficiary under Section 1.401(a)(9)-4 of the Income Tax Regulations.

This is part of the annuity contract.  It is not a separate contract.  It changes the annuity contract only as and to the extent stated.  In all cases of conflict with the other terms of the annuity contract, the provisions of this Endorsement shall control.

Signed for us at our office as of the date of issue.

	
			
	s/ Mark F. Muething
	 
	s/ John P. Gruber

	MARK F. MUETHING
	 
	JOHN P. GRUBER

	EXECUTIVE VICE PRESIDENT
	 
	SECRETARY

	
			
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	GALICExhibit

Exhibit 4(i)

Home Office:  Cincinnati, Ohio
Administrative Office:  P.O. Box 5420, Cincinnati, Ohio 45201-5420

TAX SHELTERED ANNUITY ENDORSEMENT

The annuity contract (“Contract”) is changed by this Tax-Sheltered Annuity Endorsement (this “Endorsement”) to add the following additional provisions:

APPLICABLE TAX LAW RESTRICTIONS.  This Contract is intended to receive contributions that qualify for deferred tax treatment under Internal Revenue Code ("IRC") Section 403(b).  It is restricted as required by federal tax law.  We may change the terms of this Contract or administer this Contract at any time as needed to comply with that law.  Any such change may be applied retroactively.

APPLICABLE PLAN RESTRICTIONS.  To the extent required to satisfy the Income Tax Regulations under IRC Section 403(b):

		
	1)
	this Contract is subject to the terms of the 403(b) retirement plan under which contributions were made (the “Plan”) that is sponsored or maintained by an eligible employer (the “Employer”); in the event of any conflict, the terms of the Plan control, provided that such terms do not require us to provide benefits not otherwise provided under this Contract;

		
	2)
	we will share with the Employer, a Plan administrator, or other vendor under the Plan, any information necessary for this Contract, or any other annuity contract or custodial account to which contributions have been made by the Employer, to satisfy IRC Section 403(b), including the following:  (i) the Employer providing information as to whether your employment with the Employer is continuing, and notifying us when you have had a severance from employment (for purposes of the distribution restrictions under the Plan); (ii) our notifying the Employer of any hardship withdrawal under the Plan if the withdrawal results in a 6-month suspension of your right to make elective deferrals under the Plan; and (iii) our providing information to the Employer and other vendors concerning your interests in annuity contracts or qualified plan benefits (to enable a vendor to determine the amount of any plan loans and any rollover accounts that are available to you under the Plan in order to satisfy the financial need under the hardship withdrawal rules); and

		
	3)
	we will share with the Employer, a Plan administrator, or other vendor under the Plan, any information in order of this Contract or any other annuity contract or custodial account to which contributions have been made for you by the Employer, to satisfy other tax law requirements, including the following:  (i) the amount of any plan loan that is outstanding to you for a vendor to determine whether an additional plan loan satisfies the loan limitations of the Plan, so that any such additional loan is not a deemed distribution under IRC Section 72(p)(1); and (ii) information concerning your after-tax employee contributions in order for a vendor to determine the extent to which a distribution is includible in gross income. 

	
			
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Exhibit 4(i)

The Plan may require that no distribution, loan, contract exchange, plan-to-plan transfer, or rollover contribution involving this Contract be made without specific instructions from the Employer or a Plan administrator.  We may rely on representations, instructions, and information provided by the Employer or a Plan administrator.  We may rely on representations and information provided by other vendors under the Plan.

This provision does not apply if:

		
	1)
	this Contract is funded solely with amounts transferred from another Section 403(b) annuity contract or from a custodial account described in IRC Section 403(b)(7);

		
	2)
	each transfer was qualified as a tax-free direct transfer described in Revenue Ruling 90-24; and

3)each transfer was made on or before September 24, 2007.

NO ASSIGNMENT OR TRANSFER.  You cannot assign, sell, or transfer your interest in this Contract.  You cannot pledge it to secure a loan or the performance of an obligation, or for any other purpose.  The only exceptions to these rules are:

1)this Contract may secure a loan made to you under any loan provisions of this Contract;

		
	2)
	all or part of your interest in this Contract may be transferred under a Qualified Domestic Relations Order as defined in IRC Section 414(p); and

		
	3)
	payments from this Contract may be based on the joint lives or joint life expectancies of you and another person, but such other person shall have no present rights in this Contract during your lifetime.

LIMIT ON SOURCE OF PURCHASE PAYMENTS.  Purchase Payments for this Contract are limited to:

1)contributions made by or through the Employer under the Plan;

		
	2)
	rollover contributions described in IRC Sections 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3), or 457(e)(16), to the extent permitted under the Plan;

		
	3)
	annuity contract and custodial account exchanges described in Section 1.403(b)-10(b)(2) of the Income Tax Regulations; and

		
	4)
	plan-to-plan transfers described in Section 1.403(b)-10(b)(3) of the Income Tax Regulations.

DESIGNATED ROTH CONTRIBUTIONS.  To the extent permitted under the Plan, Purchase Payments may include:

		
	1)
	contributions that are designated Roth contributions within the meaning of IRC Section 402A(c)(1);

		
	2)
	rollover contributions that are described in IRC Section 402A(c)(3) from a designated Roth account under an applicable retirement plan described in IRC Section 402A(e)(1);

		
	3)
	contract and custodial account exchanges from designated Roth accounts under the Plan; or

		
	4)
	plan-to-plan transfers from designated Roth accounts under an applicable retirement plan described in IRC Section 402A(e)(1).

All amounts that are attributable to designated Roth contributions must be maintained in a separate account.  Separate records will be kept for each such account.

	
			
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	GALIC

Exhibit 4(i)

LIMITS ON AMOUNT OF CONTRIBUTIONS.  Except for catch-up contributions permitted by IRC Section 414(v):

		
	1)
	contributions made to this Contract and any other plan, contract, or arrangement under salary reduction agreement(s) with an employer cannot exceed the limits of IRC Section 402(g), and we may distribute any contributions in excess of this limit, together with the income allocable thereto and net of any loss thereon, to you as permitted by law; and

2)contributions to this Contract cannot exceed the limit of IRC Section 415.

These limits do not apply to rollover contributions.

DISTRIBUTION RESTRICTIONS FOR ELECTIVE DEFERRALS.  Amounts attributable to IRC Section 403(b) elective deferrals (including any designated Roth contributions) cannot be distributed from this Contract unless:

1)you have reached age 59-1/2;

2)you have had a severance from employment with the Employer;

3)you have died;

4)you have become disabled as defined in IRC Section 72(m)(7);

		
	5)
	you have incurred a hardship by reason of an immediate and heavy financial need as defined in Section 1.401(k)-1(d)(3)(iii)(B) of the Income Tax Regulations, to the extent a distribution is necessary as determined under Section 1.401(k)-1(d)(3)(iv)(E) of the Income Tax Regulations ; or

		
	6)
	you qualify for a distribution as a reservist called to active duty as described in IRC Section 72(t)(2)(G).

A withdrawal made by reason of a hardship cannot include any income attributable to salary reduction contributions.  These distribution restrictions do not apply to 403(b) elective deferrals made before January 1, 1989, and to earnings credited prior to such date.

DISTRIBUTION RESTRICTIONS FOR CUSTODIAL ACCOUNT TRANSFERS.  Amounts attributable to transfers from a custodial account described in IRC Section 403(b)(7), other than amounts attributable to 403(b) elective deferrals, cannot be distributed from this Contract unless:

1)you have reached age 59-1/2;

2)you have had a severance from employment with the Employer;

3)you have died; or

4)you have become disabled as defined in IRC Section 72(m)(7).

DISTRIBUTION RESTRICTIONS FOR OTHER AMOUNTS.  Amounts other than those attributable to 403(b) elective deferrals or to transfers from a custodial account described in IRC Section 403(b)(7) cannot be distributed from this Contract unless:

1)you have had a severance from employment with the Employer; or

		
	2)
	upon the occurrence of some event specified in the Plan, such as after a fixed number of years, the attainment of a stated age, or disability.

This provision does not apply to an annuity contract that is issued before January 1, 2009.

	
			
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Exhibit 4(i)

ABSENCE OF SEPARATE ACCOUNTING.  If a separate account has not been maintained for 403(b) elective deferrals, custodial account transfers, rollovers, and other amounts, then no amount shall be distributed until the later of:

1)the date that amounts attributable to 403(b) elective deferrals may be distributed; or

		
	2)
	the date that amounts attributable to a custodial account transfer may be distributed, or the date that other amounts may be distributed, whichever is applicable.

DISTRIBUTION RESTRICTIONS FOR EXCHANGES AND TRANSFERS.  Amounts attributable to transfers from another Section 403(b) annuity contract or from a custodial account described in IRC Section 403(b)(7) by means of a contract exchange or plan-to-plan transfer shall be subject to distribution restrictions that are at least as stringent as those imposed by the contract being exchanged or by the plan making the transfer.

EXCEPTIONS TO DISTRIBUTION RESTRICTIONS.  The distribution restrictions that otherwise apply to this Contract shall not apply to:

		
	1)
	a correction of excess deferrals as provided in Section 1.403(b)-4(f) of the Income Tax Regulations;

		
	2)
	a distribution required by the Employer on termination of the Plan as provided in Section 1.403(b)-10(a) of the Income Tax Regulations;

		
	3)
	a permissible withdrawal of eligible automatic contributions as provided in IRC Section 414(w);

		
	4)
	payments to an alternate payee under a Qualified Domestic Relations Order as provided in Section 1.403(b)-10(c) of the Income Tax Regulations; or

		
	5)
	amounts attributable to rollover contributions, provided that they are maintained in a separate account.

TRANSFERS AND EXCHANGES NOT CONSIDERED DISTRIBUTIONS.  For purposes of applying the distribution restrictions to this Contract, the following are not considered to be distributions:

		
	1)
	direct transfers to a defined benefit governmental plan as defined in IRC Section 414(d), that are made to purchase permissive service credit as defined in IRC Section 415(n)(3)(A) or as a repayment described in IRC Section 415(k)(3);

		
	2)
	contract or custodial account exchanges that are described in Section 1.403(b)-10(b)(2) of the Income Tax Regulations; or

		
	3)
	plan-to-plan transfers that are described in Section 1.403(b)-10(b)(3) of the Income Tax Regulations.

DIRECT ROLLOVERS PERMITTED.  To the extent required under IRC Section 401(a)(31), you or your surviving spouse (as defined by federal tax law) may elect to have any portion of an eligible rollover distribution, as defined in IRC Section 403(b)(8), paid directly to an Individual Retirement Annuity or Individual Retirement Account, as defined in IRC Section 408, or, if allowed, to another Tax Sheltered Annuity or other eligible retirement plan described in IRC Section 402(c)(8)(B), specified by you or your surviving spouse and which accepts such distribution.  To the extent permitted under IRC Section 402(c)(11), your nonspouse beneficiary may elect to have any portion of a distribution paid directly to an inherited Individual Retirement Annuity or Individual Retirement Account, as defined in IRC Section 408(d)(3)(C).  Any direct rollover election must be made on our form, and must be received at our office before the date of payment.

	
			
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	GALIC

Exhibit 4(i)

REQUIRED MINIMUM DISTRIBUTIONS DURING LIFE.  All distributions made hereunder shall be made in accordance with the requirements of IRC Section 403(b)(10) and Section 1.401(a)(9)-6 of the Income Tax Regulations, as modified by Sections 1.408-8 and 1.403(b)-6(e) of the Income Tax Regulations. If distributions are not made in the form of an annuity on an irrevocable basis (except for acceleration), then distribution of your entire interest in this Contract must satisfy the requirements of IRC Section 403(b)(10) and Section 1.401(a)(9)-5 of the Income Tax Regulations, as modified by Sections 1.408-8 and 1.403(b)-6(e) of the Income Tax Regulations, instead of the requirements set out herein.

The Required Beginning Date for distributions of your interest in this Contract is April 1 following the later of the calendar year in which you reach age 70-1/2 or the calendar year in which you retire from the Employer.  No later than the Required Beginning Date, your entire interest in this Contract must begin to be distributed over (i) your life or the lives of you and your designated beneficiary, or (ii) a period certain not to exceed your life expectancy or the joint and last survivor expectancy of you and your designated beneficiary.  Payments must be made in periodic payments at intervals of no longer than one year, and must be either nonincreasing or they may increase only as provided in Q&A-1 and Q&A-4 of Section 1.401(a)(9)-6 of the Income Tax Regulations.  In addition, any distribution must satisfy the incidental benefit requirements specified in Q&A-2 of Section 1.401(a)(9)-6 of the Income Tax Regulations.

The distribution period described above cannot exceed the period specified in Section 1.401(a)(9)-T of the Income Tax Regulations.  The first required payment can be made as late as the Required Beginning Date and must be the payment that is required for a single payment interval.  The second payment need not be made until the end of the next payment interval.

Your interest in this Contract includes the amount of any outstanding rollover or transfer, and the actuarial value of any other benefits provided under this Contract, such as guaranteed death benefits, to the extent required by regulations.

For purposes of this provision, your designated beneficiary is an individual designated under this Contract to receive payments after your death and who qualifies as a designated beneficiary under Section 1.401(a)(9)-4 of the Income Tax Regulations.

REQUIRED MINIMUM DISTRIBUTIONS AFTER DEATH.  If you die after required distributions begin, the remaining portion of your interest in this Contract will continue to be distributed under the contract option chosen.

If you die before required distributions begin, your entire interest in this Contract will be distributed as least as rapidly as follows:

		
	1)
	If an individual other than your surviving spouse (as defined by federal tax law) is your designated beneficiary, then your entire interest will be distributed over the remaining life expectancy of that individual, with payments starting by the end of the calendar year following the calendar year of your death. The life expectancy of the designated beneficiary will be determined using his or her age as of his or her birthday in the year following the year of your death.  Alternatively, if elected, your entire interest in this Contract will be distributed by the end of the calendar year that contains the fifth anniversary of your death.

		
	2)
	If your surviving spouse (as defined by federal tax law) is your sole designated beneficiary, then your entire interest will be distributed over such spouse’s life, with payments starting by the end of the calendar year following the calendar year of your death, or if later, by the end of the calendar year in which you would have reached age 70-1/2.  Alternatively, if elected, your entire interest in this Contract will be distributed by the end of the calendar year that contains the fifth anniversary of your death.

	
			
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	GALIC

Exhibit 4(i)

If your surviving spouse dies before required distributions begin to him or her, the remaining interest will be distributed over the remaining life expectancy of the spouse’s designated beneficiary, with payments starting by the end of the calendar year following the calendar year of the spouse’s death.  The life expectancy of the spouse’s designated beneficiary will be determined using his or her age as of his or her birthday in the year following the death of the spouse.  Alternatively, if elected, the remaining interest in this Contract will be distributed by the end of the calendar year that contains the fifth anniversary of the surviving spouse’s death.
If your surviving spouse dies after required distributions begin to him or her, any remaining interest will continue to be distributed under the contract option chosen.

		
	3)
	If there is no designated beneficiary, then your entire interest in this Contract will be distributed by the end of the calendar year containing the fifth anniversary of your death.

Life expectancy is determined using the Single Life Table in Q&A-1 of Section 1.401(a)(9)-9 of the Income Tax Regulations.  If distributions are being made to your surviving spouse (as defined by federal tax law) as the designated beneficiary, the spouse’s remaining life expectancy for a year is the number in the Single Life Table corresponding to such spouse’s age on his or her birthday in the year.  In all other cases, remaining life expectancy for a year is the number in the Single Life Table in the year such individual’s life expectancy is first determined, reduced by one (1) for each subsequent year.

Required distributions are considered to begin on your Required Beginning Date or, if applicable, on the date distributions are required to begin to a surviving spouse.  However, if distributions of your interest in this Contract start prior to such date on an irrevocable basis (except for acceleration) in a form meeting the requirements of Section 1.401(a)(9)-6 of the Income Tax Regulations, then required distributions are considered to begin on the annuity starting date.

Your interest in this Contract includes the amount of any outstanding rollover or transfer, and the actuarial value of any other benefits provided under this Contract, such as guaranteed death benefits, to the extent required by regulations.

For purposes of this provision, a designated beneficiary is an individual designated under this Contract to receive payments after your death (or the death of a surviving spouse) and who qualifies as a designated beneficiary under Section 1.401(a)(9)-4 of the Income Tax Regulations.

This Endorsement is part of the Contract.  It is not a separate contract.  It changes the Contract only as and to the extent stated.  It supersedes all prior Tax-Sheltered Annuity endorsements.  In all cases of conflict with the other terms of the Contract, the provisions of this Endorsement shall control.

Signed for us at our office as of the date of issue.

	
			
	s/ Mark F. Muething
	 
	s/ John P. Gruber

	MARK F. MUETHING
	 
	JOHN P. GRUBER

	EXECUTIVE VICE PRESIDENT
	 
	SECRETARY

	
			
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	GALIC

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