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EXHIBIT 4(i)
----GOLDEN EXCLUDED FUNDS
-------AMERICAN ENDORSEMENT
---------LIFE INSURANCE
-------COMPANY
Golden American is a stock company domiciled in Delaware.
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On the Endorsement Effective Date, the provisions of the Rider to
which this endorsement is attached are amended as follows. If no
Endorsement Effective Date is shown, the Endorsement Effective
Date is the same as the Rider Date. Where used in this
Endorsement, the term Contract shall include any Certificate to
which this Endorsement is attached. The terms used in this
Endorsement shall be interpreted to apply only to the portion of
the Contract values allocated to Excluded Funds. Where used in
this Endorsement the term Rider shall mean Minimum Guaranteed
Income Benefit Rider, Minimum Guaranteed Accumulation Benefit
Rider or Minimum Withdrawal Benefit Rider, as appropriate.
When the Owner elects to invest in an Excluded Fund, as defined
herein, components of the Rider which are calculated based on the
Accumulation Value of the Contract to which their Rider is
attached will be will be calculated in accordance with this
endorsement. When an investment is made in an Excluded Fund, any
guarantee of the Rider may be permanently affected by such
investment regardless of any future allocation of Accumulation
Value.
RIDER BENEFIT CALCULATIONS
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For each Rider Benefit component described in the Rider, except
Cash Surrender Value where applicable, the portion that
represents Excluded Funds will equal or be based on the
Accumulation Value allocated to Excluded Funds.
For purposes of allocating each such Rider Benefit component
between Excluded Funds and non-Excluded Funds, the following
rules apply. For each component described in the Rider, a
corresponding Excluded Funds Rider Benefit Base is maintained.
Each Excluded Funds Rider Benefit Base has the same definition as
the Rider Benefit component of the Rider with respect to
premiums, credits, and withdrawals, except that it applies only
to investment in Excluded Funds.
TRANSFERS
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Transfers from Excluded Funds to non-Excluded Funds will reduce
all Rider Benefit component(s) for Excluded Funds on a prorata
basis. The resulting increase in each non-Excluded Funds Rider
Benefit Base will equal the lesser of the reduction in the Rider
Benefit component for Excluded Funds and the net Accumulation
Value transferred.
Transfers from non-Excluded Funds to Excluded Funds will reduce
each non-Excluded Funds Rider Benefit Base on a prorata basis.
The resulting increase in the Rider Benefit component(s) for
Excluded Funds will equal the reduction in non-Excluded Funds
Rider Benefit Base.
Adjustments for transfers involving Excluded Funds and Special
Funds, where applicable, will be calculated separately from
adjustments for transfers involving Excluded Funds and non-
Special Funds. Special Funds, if any, are described in the
Contract.
EXCLUDED FUNDS
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Where used in this Endorsement, Excluded Funds are as designed by
the Company. We may add newly available divisions as Excluded
Funds. We may also reclassify an existing division as a Excluded
Fund or remove such designation upon 30 days notice to you. Such
re-classification will apply to amounts transferred or otherwise
added to such division after the date of change.
All other provisions of the Contract to which this Endorsement is
attached remain unchanged.
GA-RA-1076.doc
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Endorsement Effective Date:
Signed: /s/ Barnett Chernow
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Barnett Chernow
GA-RA-1076.doc 2
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