0000088525-04-000122 Sample Contracts

FIRST SECURITY BENEFIT LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
Flexible Premium Deferred Variable Annuity Contract • August 12th, 2004 • Variable Annuity Account B

In consideration of the Purchase Payments, First Security Benefit Life Insurance and Annuity Company of New York ("FSBL") will pay the benefits of this Contract according to its terms.

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ENDORSEMENT
Individual Retirement Annuity Endorsement • August 12th, 2004 • Variable Annuity Account B

This contract is established as an Individual Retirement Annuity ("IRA") as defined in Section 408 of the Internal Revenue Code of 1986, as amended (the "Code") or any successor provision pursuant to the Owner's request in the Application. Accordingly, this endorsement is attached to and made part of the Contract as of its Issue Date or, if later, the date shown below. Notwithstanding any other provisions of the Contract to the contrary, the following provisions shall apply.

Effective Date:
Marketing Organization Agreement • August 12th, 2004 • Variable Annuity Account B

This Agreement is made among Security Distributors, Inc. ("SDI"), _____________ ("Marketing Organization"), and each of the agencies listed on Exhibit "A," attached hereto (collectively referred to herein as "General Agent"). SDI hereby authorizes Marketing Organization and those persons associated with General Agent who are registered representatives of Marketing Organization and licensed agents of First Security Benefit Life Insurance and Annuity Company of New York to solicit and service variable annuity contracts and variable life insurance policies issued under First Security Benefit Life Insurance and Annuity Company of New York's ("FSBL") several Variable Annuity Accounts, which have been registered as securities under the Securities Act of 1933 with Security Distributors, Inc. (a member of the National Association of Securities Dealers, Inc.) having been designated Principal Underwriter thereof. Said variable annuity contracts and variable life insurance policies are referred t

AUTOMATIC REINSURANCE AGREEMENT between SECURITY BENEFIT LIFE INSURANCE COMPANY TOPEKA, KANSAS (referred to as the Reinsurer) and FIRST SECURITY BENEFIT LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK WHITE PLAINS, NEW YORK (referred to as the Company)
Automatic Reinsurance Agreement • August 12th, 2004 • Variable Annuity Account B • New York

This AUTOMATIC REINSURANCE AGREEMENT (the "Agreement") is made by and between Security Benefit Life Insurance Company, a Kansas-domiciled life insurance company (the "Reinsurer"), and First Security Benefit Life Insurance and Annuity Company of New York, a New York-domiciled life insurance company (the "Company").

Security Distributors, Inc.
Marketing Organization Agreement • August 12th, 2004 • Variable Annuity Account B

This Agreement is entered into between Security Distributors, Inc. ("SDI") (solely in its capacity as underwriter of the Variable Products issued by the insurance company(s) (each referred to herein as "insurance company") identified in the Commission Schedule(s)), and the undersigned, referred to herein as the "Marketing Organization."

ENDORSEMENT
Roth Ira Endorsement • August 12th, 2004 • Variable Annuity Account B

This contract is established as a Roth IRA as defined in Section 408A of the Internal Revenue Code of 1986, as amended (the "Code") or any successor provision, pursuant to the Owner's request in the Application. Accordingly, this endorsement is attached to and made part of the Contract as of its Issue Date or, if later, the date shown below. Notwithstanding any other provisions of the Contract to the contrary, the following provisions shall apply.

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