Common use of USING THIS CONTRACT AS COLLATERAL SECURITY Clause in Contracts

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- PAYMENTS WE MAY DEFER (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. (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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 18 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- ------------------------------------------------------------------------------ PAYMENTS WE MAY DEFER (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.. 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 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 and as to amounts allocated to the Fixed Allocations of the Fixed 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 Fixed Allocations or 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 Paymentspremium 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 jurisdiction where this Contract is delivered. 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-1043-01/98 16.

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043IA-1042-01/98 15 17 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- PAYMENTS WE MAY DEFER DEFER We may not be able to determine the value of the assets of the Variable Separate Account Divisions because: (1) The 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. (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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16

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, 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 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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043IA-1008-01/98 04/95 15 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- - ----------------------------------------------------------------------------- PAYMENTS WE MAY DEFERDEFER We may not be able to determine the value of the assets of the Separate Account Divisions because: (1) The NYSE is closed for trading; ; (2) the SEC determines that a state of emergency exists; or (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or Contractowners. (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 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 or, (4) application of the Accumulation Value under an income plan. As to the amounts allocated to a Guaranteed Interest Division in the General AccountAccount Division, 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 General Account 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 Paymentspremium payments; or or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043IA-1008-01/98 1604/95 16 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.

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 IA-1083 18 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER (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. (2) determination and payment of any death benefit 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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16IA-1083 19

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 18 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- - ------------------------------------------------------------------------------ PAYMENTS WE MAY DEFER (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.. 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 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 and as to amounts allocated to the Fixed Allocations of the Fixed 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 Fixed Allocations or 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 Paymentspremium 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 jurisdiction where this Contract is delivered. 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-1043-01/98 16.

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 IA-1082 20 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- ------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER (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. (2) determination and payment of any death benefit Death Benefit if death occurs before the Annuity Commencement Date; (3) allocation changes of the Accumulation Value; or 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 and as to amounts allocated to Fixed Allocations of the Fixed 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 Fixed Allocations or 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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16IA-1082 21

USING THIS CONTRACT AS COLLATERAL SECURITY. You can may 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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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 our divisible surplus surplus. CONTESTABILITY This Contract is incontestable from its date of Golden American Life Insurance Companyissue. GA-IA-1043-01/98 15 IA-1112 <PAGE> OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------------- PAYMENTS WE MAY DEFER DEFER xxxxx://xxx.xxx.xxx/Archives/xxxxx/data/836687/000083727603000151/gaia1112-indco... 11/18/2016 We may not be able to determine the value of the assets in the Variable Separate Account 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. (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 During such times, as to the amounts allocated to a Guaranteed Interest Division in the General Variable Separate 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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16may delay:

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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as irrevocable prior to the assignment. To make or release an 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 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 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. This Contract does not participate in the our divisible surplus of Golden American Life Insurance Companysurplus. GAIU-IA-1043-01/98 15 IA-3020 21 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its Issue Date. PAYMENTS WE MAY DEFER (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. (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit 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, canhas the authority to: (1) change any of this Contract's terms; (2) extend the time for Premium Payments; or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.

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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. CONTESTABILITY This Contract is incontestable from its date of issue. GA-IA-1043-01/98 15 IA-1090 28 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------------- PAYMENTS WE MAY DEFERDEFER 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.. 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 Death Benefit if death occurs before the Annuity Commencement Date; ; (3) allocation changes of the Accumulation Value; or 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 and as to amounts allocated to Fixed Allocations of the Fixed 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 or greater if required by state law, on any Cash Surrender Value payment derived from the Fixed Allocations or 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: has the authority to: (1) change any of this Contract's terms; ; (2) extend the time for Premium Payments; or or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 IA-1075 15 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- ------------------------------------------------------------------------------- PAYMENTS WE MAY DEFER (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. (2) determination and payment of any death benefit if death occurs before the Annuity Commencement Date; (3) allocation changes of the Accumulation Value; or 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 Paymentspremium payments; or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.

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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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. GA-IA-1108 26 OTHER IMPORTANT INFORMATION (continued) -------------------------------------------------------------------------------- NON-PARTICIPATING This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- CONTESTABILITY This Contract is incontestable from its date of issue. PAYMENTS WE MAY DEFER (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. (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit 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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.

USING THIS CONTRACT AS COLLATERAL SECURITY. You can may 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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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. This Contract does not participate in the our divisible surplus surplus. CONTESTABILITY This Contract is incontestable from its date of Golden American Life Insurance Companyissue. GAIU-IA-1043-01/98 15 IA-3000 12 OTHER IMPORTANT INFORMATION (continuedContinued) ------------------------------------------------------------------------- PAYMENTS WE MAY DEFER (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. (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: has the authority to: (1) change any of this Contract's terms; (2) extend the time for Premium Payments; or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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 optional benefit rider will not increase these values unless otherwise stated in that Riderrider. GAPAYMENTS WE MAY DEFER We may not be able to determine the value of the assets in the Variable Separate Account 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. During such times, as to amounts allocated to the Variable Separate Account, we may delay: (1) determination and payment of any death benefit if death occurs before the First Annuity Payment Date; (2) allocation changes among the available Divisions of the Variable Separate Account; or (3) making a Variable Annuity Payment. SURRENDER/LOAN VALUE Except as provided in the Right to Examine provision, this Contract has no loan or surrender value. IU-IA-1043-01/98 16IA-3000 13

USING THIS CONTRACT AS COLLATERAL SECURITY. You can may 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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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. This Contract does not participate in the our divisible surplus surplus. CONTESTABILITY This Contract is incontestable from its date of Golden American Life Insurance Companyissue. GA-IA-1043-01/98 15 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------------- PAYMENTS WE MAY DEFER DEFER We may not be able to determine the value of the assets in the Variable Separate Account 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. (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit 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. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.

USING THIS CONTRACT AS COLLATERAL SECURITY. You can may 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. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to 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 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. This Contract does not participate in the our divisible surplus surplus. CONTESTABILITY This Contract is incontestable from its date of Golden American Life Insurance Companyissue. GAIU-IA-1043-01/98 15 IA-3014 31 -------------------------------------------------------------------------------- OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------------- PAYMENTS WE MAY DEFERDEFER We may not be able to determine the value of the assets in the Variable Separate Account 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.. During such times, as to amounts allocated to the Variable Separate Account, we may delay: (1) determination and payment of the Cash Surrender Value; (2) determination and payment of any death benefit 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 and Fixed 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 3.001.5% a year or greater if required by state law, on any Cash Surrender Value payment derived from the Guaranteed Interest Divisions General Account or Fixed Account 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: has the authority to: (1) change any of this Contract's terms; (24) extend the time for Premium Payments; or (35) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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. GAIU-IA-1043-01/98 16IA-3014 32

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 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. This Contract does not participate in the divisible surplus of Golden American Life Insurance Company. GA-IA-1043-01/98 15 IA-1059 16 OTHER IMPORTANT INFORMATION (continued) ------------------------------------------------------------------------- -------------------------------------------------------------------------- PAYMENTS WE MAY DEFER (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. (2) determination and payment of any death benefit if death occurs before the Annuity Commencement Date; (3) allocation changes of the Accumulation Value; or 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 Paymentspremium payments; or (3) make any agreement binding on us. We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. 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-1043-01/98 16.