Document:

RELIASTAR
LIFE INSURANCE COMPANY                                      SIMPLE INDIVIDUAL
OF NEW YORK                                                 RETIREMENT
                                                            ANNUITY RIDER
A stock company
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This Contract is issued as a Simple Retirement Account intended to qualify as
such under Section 408(p) of the Internal Revenue Code, as amended (the "Code").
This Contract is established for the exclusive benefit of the Owner and the
beneficiaries named. The Contract has been applied for with the written consent
of the Owner (employee) on the application for this contract.

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

CONTRIBUTIONS

The premiums applicable to the Contract will be applied to accumulate a
retirement savings fund for the Owner. The only contributions allowed under the
Contract will be those made in accordance with a Qualified Salary Reduction
Arrangement as described in Section 408(p) of the Code.

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

The Qualified Salary Reduction Arrangement pursuant to which contributions are
to be made to this Contract will provide that all employees of the employer who
received at least $5,000 in compensation from the employer during any two
calendar years prior to the applicable year for which contributions are to be
made to this Contract, and are reasonably expected to receive at least $5,000 in
compensation during the applicable year for accounts established for them,
subject to the ability of the employer to exclude from eligibility requirements
certain union employees and non-resident aliens as provided in Section 410(b)(3)
of the Code.

The Qualified Salary Reduction Arrangement pursuant to which contributions are
to be made to this Contract will provide that the employer must make the
contributions attributable to salary reduction agreements not later than the
close of the 30-day period following the last day of the month with respect to
which the contributions are to be made, and will make the employer-matching
contributions or the employer- nonelective contributions not later than the date
described in Section 404(m)(2)(B) of the Code. The Qualified Salary Reduction
Arrangement will further provide that the employee may elect to terminate
participation in such arrangement at any time during the year, and that each
employee eligible to participate may elect, during the 60-day period before the
beginning of any year (and the 60-day period before the first day such employee
is eligible to participate) to participate in the arrangement, or to modify the
amounts subject to such arrangement, for such year.

FG-RA-1026-11/96

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NONFORFEITABILITY AND NONTRANSFERABILITY

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

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

MINIMUM DISTRIBUTION RULES

(a)     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 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 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 Simple Retirement Account, 100% of the balance 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 Simple Retirement Account, distribution of the remaining
        benefits 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 not later than the last day of the calendar year in which occurs
        the first anniversary of the Owner's death.

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(f)    The provisions of (d) and (e) will not apply were 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 Simple Retirement Account to the
       surviving Spouse's Individual Retirement Account

       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.

       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 Simple Retirement Account is payable to the surviving
       spouse when the child attains the age of majority.

REPORTS

       The issuer of a simple retirement account will furnish annual calendar
year reports concerning the status of the account.

      President  /S/ Chris Schreier         Secretary  /S/ Paula Cludray-Engelke

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                  Variable Products
                  Customer Service Center
                  1475 Dunwoody Drive
                  West Chester, PA 19380
                  1-800-963-9539

FG-RA-1026-11/96                       3RELIASTAR                                                         403(B) RIDER
LIFE INSURANCE COMPANY
OF NEW YORK

A Stock company..
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On the basis of the application for which this Contract is issued and to which
this Rider is attached, the Contract is intended to qualify under Section 403(b)
of the Interal Revenue Code. This Contract is established for the exclusive
benefit of the Owner and its beneficiaries.

In the event of any conflict between the provisions of this Rider and the
Contract, the provisions of this Rider will control ReliaStar Life Insurance
Company of New York ("ReliaStar" or "the Company") reserves the right to amend
the Contract and Rider as necessary to comply with applicable tax requirements.
Any such changes will apply uniformly to all contracts that are affected and the
Owner will have the right to accept or reject such changes.

(1)  DEFINITIONS. Words and phrases used in the Contract have the same meaning
     when used in this Rider. The words shown below have the meanings stated.

     (a)  "IRC" means the United States Internal Revenue Code of 1986, as
          amended from time to time.

     (b)  "EMPLOYEE OR OWNER" means the Owner of the Contract to which this
          Rider is attached.

     (c)  "DESIGNATED BENEFICIARY" means the beneficiary named by the Owner in
          the Contract.

(2)  This Contract is nontransferable. Other than to us, it may not be sold,
     assigned, discounted or pledged as collateral for a loan or as security for
     the performance of an obligation or for any other purpose.

(3)  This Contract is valid only if it is purchased:

     (a)  For an employee by an employer as described in IRC Section 501(c)(3)
          which is exempt from income tax under IRC Section 501(a); or

     (b)  For an employee who performs services for an educational organization
          described in IRC Section 170(b)(1)(A)(ii) by an employer which is a
          state, a political subdivision of a state or an agency or
          instrumentality of a state or political subdivision thereof; or

     (c)  By an employee in a rollover or a direct transfer as permitted by IRC
          Sections 403(b)(8), 403(b)(10), and 408(d)(3).

FG-RA-1030-2/97

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(4)  The premium payments applicable to this Contract must be attributable to
     the employee's salary reduction agreement, or to permitted employer
     contributions, except in the case of a rollover contribution or a direct
     transfer by an employee (as permitted by IRC Section 403(b)(8), 403(b)(10),
     and 408(d)(3)). The premium payment must be in cash. The total of such
     premium payments cannot exceed the lesser of:

     (a)  $9,500; or

     (b)  the exclusion allowance described in IRC Section 403(b)(2), as
          amended, for any taxable year; and, in no event exceeding any limits
          set forth in IRC Section 401(a)(30), 402(g), 403(b)(2) and 415.
          Premiums may be refunded when necessary to comply with IRC Section
          403(b).

(5)  Distribution of the assets of this Contract may not be made before the
     Owner:

     (a)  Attains age 59-1/2; or

     (b)  Separates from the service; or

     (c)  Dies; or

     (d)  Becomes disabled.

     In the case of financial hardship, distributions of premiums paid (not
     earnings) may be made before (a), (b), (c), or (d) above.

(6)  Not withstanding any provision of this Rider to the contrary, the
     distribution of an individual's interest will be made under the minimum
     distribution requirements of IRC Section 403(b)(10) including:

     (a)  Any regulations under that Section; and

     (b)  The incidental death benefit provisions of IRC Section 401(a)(9) and
          any regulations under that Section.

(7)  The Owner's entire interest in the account must be distributed, or begin to
     be distributed, by the Owner's required beginning date. The Owner's
     required beginning date is the April 1st following the calendar year in
     which the Owner reaches age 70 1/2 or retires, which ever occurs first.
     (For Owners covered by governmental or church plans, the required beginning
     date is the later of: (a) April 1st of the calendar year after the
     attainment of age 70 1/2; or (b) April 1st following the calendar year of
     retirement.) For each succeeding year, a distribution must be made on or
     before December 31st. By the required beginning date the Owner may elect to
     have the balance in the account distributed in one of the following forms:

     (a)  To the Owner of this Contract in a single payment; or

     (b)  To the Owner as a life annuity (which may provide for a minimum term
          certain period not extending beyond the life expectancy of the Owner);
          or

     (c)  To the Owner and the Owner's Designated Beneficiary, as a joint and
          survivor annuity (which may provide for a minimum term certain period
          not extending beyond the life expectancy of the Owner and the
          Designated Beneficiary) in equal or substantially equal amounts; or

FG-RA-1030-2/97                        2

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     (d)  To the Owner as an annuity certain not extending beyond the life
          expectancy of the Owner; or

     (e)  If the Owner has a living Designated Beneficiary, to the Owner as an
          annuity certain not extending beyond the joint life expectancy of the
          Owner and the Owner's Designated Beneficiary in equal or substantially
          equal amounts.

     If the Owner's entire interest is to be distributed in a manner other than
     set forth in (a) above, then the minimum distribution that must be made
     each year will be determined by dividing the Owner's entire interest by the
     Owner's life expectancy. In the case of (c) above, the entire interest will
     be divided by the joint and last survivor expectancy of the Owner and the
     Designated Beneficiary.

     If the Owner's Designated Beneficiary is someone other than the Owner's
     spouse, then the minimum distribution that must be made each year will be
     not less than the amount obtained by dividing the Owner's entire interest
     by the joint and last survivor expectancy of the Owner and the Owner's
     Designated Beneficiary, whose life expectancy in making the calculation
     will not be more than ten (10) years less than the Owner.

     Life expectancy and joint and last survivor expectancy are computed by use
     of the return multiples contained in Section 1.72-9 of the IRC Regulations.
     For this computation, the Owner's life expectancy (and the life expectancy
     of the Owner's spouse) may be recalculated, but no more frequently than
     annually. The life expectancy of a non-spouse Designated Beneficiary may
     not be recalculated.

(8)  With respect to any amount, which upon the death of the Owner, becomes
     payable under any supplementary contract issued in exchange for this
     Contract, no provision of this Contract or such supplementary contract will
     be applicable to the extent that it permits or provides for settlement of
     such amount in any manner other than as set forth in (a) or (b) below:

     (a)  If the Owner dies after distribution of the Owner's interest has
          commenced, the remaining portion of such interest will continue to be
          distributed at least as rapidly as under the method of distribution
          being used prior to the Owner's death.

     (b)  If the Owner dies before distribution of the Owner's interest
          commences, the Owner's entire interest will be distributed in
          accordance with one of the following provisions:

          (i)  The Owner's entire interest will be paid in one sum by December
               31 of the fifth (5th) year after the date of death; or in a
               series of payments which will be completed by December 31 of the
               fifth (5th) year after the date of death.

          (ii) If the Owner's interest is payable to the Designated Beneficiary,
               and the Owner has not elected (i) above, then the entire interest
               will be distributed in substantially equal installments over the
               life or life expectancy of the Designated Beneficiary.
               Distribution must begin no later than December 31 of the year
               following the year the Owner dies.

          (iii) If the Designated Beneficiary of the Owner is the Owner's
               surviving spouse, distribution must begin by December 31 of the
               later of:

               (a)  The year immediately following the year the Owner dies; or

               (b)  The year in which the Owner would have attained age 70 1/2.

               Payments can be received over the life or life expectancy of the
               surviving spouse.

FG-RA-1030-2/97                        3

<PAGE>

     For the purposes of the above, payments will be calculated by use of the
     return multiples specified in Section 1.72-9 of the IRC Regulations. Life
     expectancy of a surviving spouse may be recalculated annually. In the case
     of any other Designated Beneficiary, life expectancy will be recalculated
     at the time payment first commences. Payments for each subsequent
     12-consecutive month period will be based on such life expectancy minus the
     number of whole years passed since distribution first commenced.

     For purposes of this requirement, any amount paid to a child of the Owner
     will be treated as if it had been paid to the surviving spouse if the
     remainder of the interest becomes payable to the surviving spouse when the
     child reaches the age of majority.

(9)  This paragraph applies to distributions made on or after January 1, 1993.
     Notwithstanding any provision of this Contract to the contrary that would
     otherwise limit an Owner's election under this Contract, an Owner may
     elect, at any time and in any manner prescribed by us, but subject to the
     distribution restrictions of paragraph 5, to have any portion of an
     eligible rollover distribution paid directly to an eligible retirement plan
     specified by the Owner in a direct rollover.

     For the purpose of this paragraph, the following definitions apply:

     (a)  ELIGIBLE ROLLOVER DISTRIBUTION is any distribution of all or any
          portion of the balance to the credit of the Owner, not including:

          (i)  Any distribution that is one of a series of substantially equal
               periodic payments (not less frequently than annually) made for
               the life or life expectancy of the Owner or the joint lives or
               joint life expectancies of the Owner and the Designated
               Beneficiary, or for a specified period of ten (10) years or more;
               or

          (ii) Any distribution to the extent such distribution is required
               under IRC Sections 401(a)(9) or 403(b)(10); and

          (iii) The portion of any distribution that cannot be included in gross
               income.

     (b)  ELIGIBLE RETIREMENT PLAN is:

          (i)  An annuity described in IRC Section 403(b);

          (ii) An individual retirement account described in IRC Section 408(a);
               or

          (iii) An individual retirement annuity described in IRC Section
               408(b).

          However, in the case of an Eligible Rollover Distribution to the
          surviving spouse, an eligible retirement plan is (ii) or (iii) above.

     (c)  DIRECT ROLLOVER is a payment by us to the Eligible Retirement Plan
          specified by the Owner.

     (d)  OWNER, for the purposes of this paragraph, includes the Owner's
          surviving spouse and the Owner's spouse or former spouse who is an
          alternate payee under a qualified domestic relations order, as defined
          in IRC Section 414(p).

(10) This Contract will be for the exclusive benefit of the Owner or the
     Designated Beneficiary. The Owner's rights under this Contract will be
     nonforfeitable.

FG-RA-1030-2/97                        4

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(11) Effective for years beginning after December 31, 1988, except in the case
     of a Contract purchased by a church, no premium payments applicable to this
     contract can be made unless all employees of the employer may elect to have
     employer make contributions of more than $200 under a salary reduction
     agreement.

     For purposes of this paragraph any employee who is a participant in (a),
     (b) or (c) below may be excluded.

     (a)  An eligible deferred compensation plan under IRC Section 457;

     (b)  A qualified cash or deferred arrangement; or

     (c)  Another IRC Section 403(b) annuity contract.

     In addition, any nonresident aliens and students who normally work less
     than twenty (20) hours per week may be excluded.

The issue date (effective date) of this amendment is the Contract Issue Date
unless another date is shown.

SIGNED FOR RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK:

      President  /S/ Chris Schreier        Secretary  /S/ Paula Cludray-Engelke

FG-RA-1030-2/97                        5

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