Common use of Annuity Plan Clause in Contracts

Annuity Plan. Payment may be made under any other method mutually agreed upon by you and us. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report at least once during each Contract Year. The report will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: (1) The NYSE is closed for trading; (2) the SEC determines that a state of emergency exists; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.

Annuity Plan. Payment may An amount can be made under used to buy any other method mutually agreed upon by you and ussingle premium immediate annuity we offer for the Option's effective date. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 IA-1075 <PAGE> <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report at least once during each Contract Year. The report will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment premium payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 IA-1075 <PAGE> <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: : (1) The NYSE is closed for trading; ; (2) the SEC determines that a state of emergency exists; ; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.. During such times, as to amounts allocated to the Divisions of the Variable Separate Account, we may delay; (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit if death occurs before the Annuity Commencement Date; (3) allocation changes of the Accumulation Value; or,

Annuity Plan. Payment may be made under any other method mutually agreed upon by you and us. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 IA-1082 <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report at least once during each Contract Year. The report h▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇/e▇▇▇▇/data/836687/000083727601500024/ex4bidcvfac.txt 10/31/2017 will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 IA-1082 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: (1) The NYSE is closed for trading; h▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇/e▇▇▇▇/data/836687/000083727601500024/ex4bidcvfac.txt 10/31/2017 (2) the SEC determines that a state of emergency exists; ; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.

Annuity Plan. Payment may An amount can be made under used to buy any other method mutually agreed upon by you and ussingle premium annuity we offer on the Option's effective date. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. Under Options 1 and 2, the discounted values of the remaining guaranteed payments may be paid in a single sum. This means we deduct the amount of the interest each remaining guaranteed payment would have earned had it not been paid out early. The discount interest rate is 3.00% for Option 1 and 3.50% for Option 2. We will, however, base the discount interest rate on the interest rate used to calculate the payments for Options 1 and 2 if such payments were not based on the Tables in this Contract. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 <PAGE> IA-1007-04/95 OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ - - ----------------------------------------------------------------------------- SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report report, at least once during each Contract Year. The report will show , within 31 days of each calendar quarter showing the Accumulation Value and the Cash Surrender Value of your Contract as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any other information that may be currently required by the insurance supervisory official of the jurisdiction in which the this Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account Accounts invest, as well as any other reports, notices or documents required by law to be furnished to OwnersContractowners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right rights are subject to the terms of the assignment. To make or release an assignment, assignment we must receive written notice satisfactory to us, us at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders Benefit Riders may be changed to another annuity plan Annuity Plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will shall be those that the Premium Payment premium payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 <PAGE> IA-1007-04/95 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. - - ----------------------------------------------------------------------------- PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: : (1) The NYSE is closed for trading; ; (2) the The SEC determines that a state of emergency exists; or (3) an An order or pronouncement of the SEC permits a delay for the protection of Owners; or Contractowners. (4) the The check used to pay the premium has not cleared through the banking system. This may take up to 15 days. (1) Determination and payment of the Cash Surrender Value; (2) Determination and payment of any death benefit if death occurs before the Annuity Commencement Date; (3) Allocation changes of the Accumulation Value; or, (4) Application of the Accumulation Value under an income plan. We reserve the right to delay payment of amounts allocated to the Fixed Account for up to six months. AUTHORITY TO MAKE AGREEMENTS All agreements made by us must be signed by one of our officers. No other person, including an insurance agent or broker, can (1) Change any of this Contract's terms; (2) Extend the time for premium payments; or (3) Make any agreement binding on us. REQUIRED NOTE ON OUR COMPUTATIONS We have filed a detailed statement of our computations with the insurance supervisory official in the appropriate jurisdictions. The values are not less than those required by the law of that state or jurisdiction. Any benefit provided by an attached Optional Benefit Rider will not increase these values unless otherwise stated in that Rider. GA-IA-1007-04/95 GOLDEN [LOGO] AMERICAN Section 72 Rider LIFE INSURANCE COMPANY A Subsidiary of [LOGO] Bankers Trust Company Golden American is a stock company domiciled in Wilmington, Delaware - - ----------------------------------------------------------------------------- Required Distribution of Proceeds on Death of Owner This Rider is required to qualify the Contract to which it is attached as an annuity contract under Section 72 of the Internal Revenue Code of 1986, as amended (the "Code"). Where the terms of this Rider are in conflict with the terms of the Contract, the Rider will control. Golden American Life Insurance Company reserves the right to amend or administer the Contract and Rider as necessary to comply with applicable tax requirements. This Rider and the Contract should be construed so that they comply with applicable tax requirements.

Annuity Plan. Payment may An amount can be made under used to buy any other method mutually agreed upon by you and ussingle premium immediate annuity we offer for the Option's effective date. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ - - ------------------------------------------------------------------------------ENTIRE CONTRACT The group contract, including any attached Rider, endorsement, amendment and the application of the Contractholder, constitute the entire contract between the Contractholder and us. All statements made by the Contractholder, any Owner or any Annuitant will be deemed representations and not warranties. No such statement will be used in any contest unless it is contained in the application signed by the Owner, a copy of which has been furnished to the Owner, the Beneficiary or to the Contractholder. SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report at least once during each Contract Year. The report will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: (1) The NYSE is closed for trading; (2) the SEC determines that a state of emergency exists; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.to

Annuity Plan. Payment may An amount can be made under used to buy any other method mutually agreed upon by you and ussingle premium immediate annuity we offer on the option's effective date. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in under Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 MA-1082 <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ General Provisions -------------------------------------------------------------------------------- ENTIRE CONTRACT This Contract, including any attached Rider, Endorsement, amendment and the application of the contractholder, constitute the entire Contract between the contractholder and us. All statements made by the contractholder, any certificate Owner or any annuitant will be deemed representations and not warranties. No such statement will be used in any contest unless it is h▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇/e▇▇▇▇/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 contained in the application signed by the contractholder or in a written instrument signed by the certificate Owner, a copy of which has been furnished to the certificate Owner, the beneficiary or to the contractholder. SENDING NOTICE TO US Whenever Any written notice is required, send it notices or requests should be sent to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO CERTIFICATE OWNER We will send you the Certificate Owner a report report, at least once during each Contract Year. The report will show Certificate year, showing the Accumulation Value accumulation value and the Cash Surrender Value cash surrender value of each Certificate as of the end of the Contract Processing Periodcertificate processing period. The report will also show the allocation of the Accumulation Value accumulation value as of such date and the amounts deducted from or added to the Accumulation Value accumulation value since the last report. The report will also include any other information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract Certificate is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account Accounts invest, as well as any other reports, notices or documents required by law to be furnished to certificate Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: (1) The NYSE is closed for trading; (2) the SEC determines that a state of emergency exists; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.

Annuity Plan. Payment may An amount can be made under used to buy any other method mutually agreed upon by you and ussingle premium immediate annuity we offer for the Option's effective date. The minimum rates for Option 1 are based on 3% interest, compounded annually. The minimum rates for Options 2 and 3 are based on 3% interest, compounded annually, and the Annuity 2000 Mortality Table. We may pay a higher rate at our discretion. ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 PAYMENT WHEN NAMED PERSON DIES When the person named to receive payment dies, we will pay any amounts still due as provided by the Option agreement. The amounts still due are determined as follows: (1) For Option 1 or for any remaining guaranteed payments in Option 2, payments will be continued. (2) For Option 3, no amounts are payable after both named persons have died. (3) For Option 4, the annuity agreement will state the amount due, if any. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION ------------------------------------------------------------------------------ SENDING - - ------------------------------------------------------------------------------SENDING NOTICE TO US Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence. REPORTS TO OWNER We will send you a report at least once during each Contract Year. The report will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered. We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners. ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY You can assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment. CHANGING THIS CONTRACT This Contract or any additional benefit riders may be changed to another annuity plan according to our rules at the time of the change. CONTRACT CHANGES - APPLICABLE TAX LAW We reserve the right to make changes in this Contract or its Riders to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 extent we deem it necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes. MISSTATEMENT OF AGE OR SEX If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment premium payment made would have bought at the correct age or sex. NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1083 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS - - ------------------------------------------------------------------------------PAYMENTS WE MAY DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: : (1) The NYSE is closed for trading; ; (2) the SEC determines that a state of emergency exists; ; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days. During such times, as to amounts allocated to the Divisions of the Variable Separate Account, we may delay; (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit if death occurs before the Annuity Commencement Date; (3) allocation changes of the Accumulation Value; or, (4) application of the Accumulation Value under an income plan. As to the amounts allocated to a Guaranteed Interest Division in the General Account, we may, at any time, defer payment of the Cash Surrender Value for up to six months after we receive a request for it. We will allow interest of at least 3.00% a year on any Cash Surrender Value payment derived from the Guaranteed Interest Divisions that we defer 30 days or more. AUTHORITY TO MAKE AGREEMENTS All agreements made by us must be signed by one of our officers. No other person, including an insurance agent or broker, can: (1) change any of this Contract's terms; (2) extend the time for premium payments; or (3) make any agreement binding on us.