Common use of Reinsurer’s Obligation to Indemnify Clause in Contracts

Reinsurer’s Obligation to Indemnify. 45 Section 9.2. Ceding Company’s Obligation to Indemnify 46 Section 9.3. Applicability of Master Transaction Agreement 46 Section 9.4. Good Faith 46 ARTICLE X. TAXES 47 Section 10.1. Withholding 47 Section 10.2. DAC Tax Adjustment 47 ARTICLE XI. MISCELLANEOUS 48 Section 11.1. Expenses 48 Section 11.2. Notices 48 Section 11.3. Severability 49 Section 11.4. Entire Agreement 49 Section 11.5. Assignment 49 Section 11.6. No Third Party Beneficiaries 49 Section 11.7. Amendment 50 Section 11.8. Submission to Jurisdiction 50 Section 11.9. Governing Law 50 Section 11.10. Waiver of Jury Trial 50 Section 11.11. Specific Performance 50 Section 11.12. Waivers 51 Section 11.13. Rules of Construction 51 Section 11.14. Counterparts 52 1007933761v22 Section 11.15. Treatment of Confidential Information 52 Section 11.16. Incontestability 53 INDEX OF SCHEDULES AND EXHIBITS Schedule A Expense Allowances Schedule B Investment Guidelines Schedule C Policy Forms Schedule D Seriatim File Schedule E Recapture Terminal Settlement Schedule F-1 Separate Accounts Schedule F-2 Experience Refund Schedule F-3 EIM Administrative Fee Schedule G Schedule H Fair Market Value Methodologies Projected Separate Account Values Schedule I Compensation Schedule J Ceding Company Reports Schedule K Schedule L Schedule M Schedule N Schedule O Schedule P Guaranty Fund Liabilities Final IMR Amortization Schedule Reinsurer Information Exchanges and Roll-Overs Unfloored CTE [***] Amount Methodologies Morningstar Categories Exhibit 1 Form of Monthly Settlement Statement Exhibit 2 Form of Trust Agreement 1007933761v22 COINSURANCE AND MODIFIED COINSURANCE AGREEMENT THIS COINSURANCE AND MODIFIED COINSURANCE AGREEMENT (this “Agreement”) is made and entered into on October 3, 2022 (the “Closing Date”) and effective as of the Effective Time by and between Equitable Financial Life Insurance Company, a New York-domiciled insurance company (the “Ceding Company”), and First Allmerica Financial Life Insurance Company, a Massachusetts-domiciled insurance company (the “Reinsurer”). For purposes of this Agreement, the Ceding Company and the Reinsurer shall each be deemed a “Party” and together the “Parties.”

Reinsurer’s Obligation to Indemnify. 45 46 Section 9.2. 9.02 Ceding Company’s Obligation to Indemnify 46 Section 9.3. 9.03 Limitations on Indemnification 46 Section 9.04 Applicability of Master Principal Transaction Agreement 46 47 Section 9.4. 9.05 Good Faith 46 47 ARTICLE X. X TAXES 47 Section 10.1. 10.01 Withholding 47 Section 10.2. 10.02 DAC Tax Adjustment 47 ARTICLE XI. MISCELLANEOUS XI DISPUTE RESOLUTION Section 11.01 Dispute Resolution 48 Section 11.1. Expenses 48 Section 11.2. Notices 48 Section 11.3. Severability 11.02 Arbitration 49 Section 11.4. 11.03 Litigated Disputes 49 ARTICLE XII MISCELLANEOUS Section 12.01 Expenses 50 Section 12.02 Notices 50 Section 12.03 Severability 51 Section 12.04 Entire Agreement 49 51 Section 11.5. 12.05 Assignment 49 51 Section 11.6. 12.06 No Third Party Beneficiaries 49 52 Section 11.7. 12.07 Amendment 50 52 Section 11.8. Submission to Jurisdiction 50 Section 11.9. 12.08 Governing Law 50 and Jurisdiction 52 Section 11.10. 12.09 Waiver of Jury Trial 50 52 Section 11.11. 12.10 Specific Performance 50 52 Section 11.12. 12.11 Waivers 51 53 Section 11.13. 12.12 Rules of Construction 51 53 Section 11.14. 12.13 Counterparts 52 1007933761v22 54 Section 11.15. 12.14 Treatment of Confidential Information 52 54 Section 11.16. 12.15 Incontestability 53 55 INDEX OF SCHEDULES AND EXHIBITS Schedule A Expense Allowances Ceding Company Sensitivity Grid Schedule B Reserved Schedule C Expense Allowance Schedule D Fair Market Value Methodologies Schedule E Investment Guidelines Schedule C Policy Forms F Types of Reinsured Contracts Schedule D G Seriatim File Schedule E H Reinsurer Sensitivity Grid Schedule I Reserved Schedule J-1 Required Balance Model and Calculation Methodologies Schedule J-2 Milliman CTE Model and Calculation Methodologies Schedule J-3 Ceding Company Recapture Reserve Calculation Methodologies Schedule K Separate Accounts Schedule L-1 Risk Management Policy Schedule L-2 FMV Derivatives Report Schedule L-3 Form of Quarterly Risk Management Report Schedule M Daily Derivatives Report Schedule N Ceding Company Reporting Schedule O-1 Recapture Terminal Settlement Schedule F-1 Separate Accounts Schedule F-2 Experience Refund Schedule F-3 EIM Administrative Fee Schedule G Schedule H Fair Market Value Methodologies Projected Separate Account Values Schedule I Compensation Schedule J Ceding Company Reports Schedule K Schedule L Schedule M Schedule N Schedule O O-2 Termination Terminal Settlement Schedule P Guaranty Fund Liabilities Final IMR Amortization Non-Guaranteed Elements Schedule Reinsurer Information Exchanges and RollQ Additional Premium Amount Schedule R Reserve Grade-Overs Unfloored CTE In Schedule S Required Balance Adjustments [***] Amount Methodologies Morningstar Categories [***] [***] [***] Exhibit 1 Form of Monthly Settlement Statement Exhibit 2 Form of Trust Agreement 1007933761v22 Exhibit 3 Form of Guarantee Exhibit 4 Reserved Exhibit 5 Form of Security and Control Agreement COINSURANCE AND MODIFIED COINSURANCE AGREEMENT THIS COINSURANCE AND MODIFIED COINSURANCE AGREEMENT (this “Agreement”) is made and entered into on October 3, 2022 (the “Closing Date”) and effective as of the Effective Time by and between Equitable Financial Xxxx Xxxxxxx Life Insurance CompanyCompany of New York, a New York-domiciled stock life insurance company (the “Ceding Company”), and First Allmerica Financial Corporate Solutions Life Insurance Reinsurance Company, a MassachusettsDelaware-domiciled insurance company (the “Reinsurer”). For purposes of this Agreement, the Ceding Company and the Reinsurer shall each be deemed a “Party” and together the “Parties.”

Reinsurer’s Obligation to Indemnify. 45 48 Section 9.2. 9.2 Ceding Company’s Obligation to Indemnify 46 48 Section 9.3. 9.3 Applicability of Master Transaction Agreement 46 48 Section 9.4. 9.4 Utmost Good Faith 46 48 ARTICLE X. X TAXES 47 Section 10.1. 10.1 Withholding 47 49 Section 10.2. 10.2 DAC Tax Adjustment 47 ARTICLE XI. MISCELLANEOUS 48 Section 11.1. Expenses 48 Section 11.2. Notices 48 Section 11.3. Severability 49 Section 11.4. 10.3 Other Tax Considerations 50 ARTICLE XI MISCELLANEOUS Section 11.1 Expenses 50 Section 11.2 Notices 50 Section 11.3 Severability 51 Section 11.4 Entire Agreement 49 51 Section 11.5. 11.5 Assignment 49 52 Section 11.6. 11.6 No Third Party Beneficiaries 49 52 Section 11.7. 11.7 Amendment 50 52 Section 11.8. 11.8 Submission to Jurisdiction 50 52 Section 11.9. 11.9 Governing Law 50 52 Section 11.10. 11.10 Waiver of Jury Trial 50 53 Section 11.11. 11.11 Specific Performance 50 53 Section 11.12. 11.12 Waivers 51 53 Section 11.13. 11.13 Rules of Construction 51 53 Section 11.14. 11.14 Counterparts 52 1007933761v22 54 Section 11.15. 11.15 Treatment of Confidential Information 52 Section 11.16. Incontestability 53 54 INDEX OF SCHEDULES AND EXHIBITS Schedule A Expense Allowances Schedule B A-1 Investment Guidelines Schedule A-2 Capital Event Investment Guidelines Schedule B Reinsured Contracts Schedule C Policy Forms Schedule D Seriatim File Schedule E D Recapture Terminal Settlement Schedule F-1 E Separate Accounts Schedule F-2 Experience Refund Schedule F-3 EIM Administrative Fee Schedule G Schedule H F Fair Market Value Methodologies Projected Separate Account Values Schedule G Policyholder Dividends and other Non-Guaranteed Elements Methodologies Schedule H Specified Actions Schedule I Compensation Commissions and Expense Allowances Schedule J Ceding Company Reports NGE Simplification Framework Schedule K [Reserved] Schedule L L-1 Reporting (during the Transition Period) Schedule L-2 Reporting (following the Transition Period) Schedule M Conversion Services Schedule N Schedule O Schedule P Guaranty Fund Liabilities Final IMR Amortization Schedule Reinsurer Information Exchanges and Roll-Overs Unfloored CTE [***] Amount Methodologies Morningstar Categories Expense Allowance (during the Transition Period) Exhibit 1 Form of Monthly Settlement Statement Exhibit 2 2-A Form of Ceding Company Statutory Reserves Report Exhibit 2-B Form of Required Balance and Security Funding Report Exhibit 3 Form of Administrative Services Agreement Exhibit 4 Form of Trust Agreement 1007933761v22 Exhibit 5 Form of Guaranty COINSURANCE AND MODIFIED COINSURANCE AGREEMENT THIS COINSURANCE AND MODIFIED COINSURANCE AGREEMENT (this “Agreement”) is made and entered into on October 3April 1, 2022 (the “Closing Date”) and effective as of the Effective Time by and between Equitable Financial Minnesota Life Insurance Company, a New YorkMinnesota-domiciled insurance company (the “Ceding Company”), and First Allmerica Financial Life Insurance Company, a Massachusetts-domiciled an -domiciled insurance company (the “Reinsurer”). For purposes of this Agreement, the Ceding Company and the Reinsurer shall each be deemed a “Party” and together the “Parties.”

Reinsurer’s Obligation to Indemnify. 45 46 Section 9.2. 9.02 Ceding Company’s Obligation to Indemnify 46 Section 9.3. 9.03 Limitations on Indemnification 46 Section 9.04 Applicability of Master Principal Transaction Agreement 46 47 Section 9.4. 9.05 Good Faith 46 47 ARTICLE X. X TAXES 47 Section 10.1. 10.01 Withholding 47 Section 10.2. 10.02 DAC Tax Adjustment 47 ARTICLE XI. MISCELLANEOUS XI DISPUTE RESOLUTION Section 11.01 Dispute Resolution 48 Section 11.1. Expenses 48 Section 11.2. Notices 48 Section 11.3. Severability 11.02 Arbitration 49 Section 11.4. 11.03 Litigated Disputes 49 ARTICLE XII MISCELLANEOUS Section 12.01 Expenses 50 Section 12.02 Notices 50 Section 12.03 Severability 51 Section 12.04 Entire Agreement 49 51 Section 11.5. 12.05 Assignment 49 51 Section 11.6. 12.06 No Third Party Beneficiaries 49 51 Section 11.7. 12.07 Amendment 50 52 Section 11.8. Submission to Jurisdiction 50 Section 11.9. 12.08 Governing Law 50 and Jurisdiction 52 Section 11.10. 12.09 Waiver of Jury Trial 50 52 Section 11.11. 12.10 Specific Performance 50 52 Section 11.12. 12.11 Waivers 51 53 Section 11.13. 12.12 Rules of Construction 51 53 Section 11.14. 12.13 Counterparts 52 1007933761v22 54 Section 11.15. 12.14 Treatment of Confidential Information 52 54 Section 11.16. 12.15 Incontestability 53 55 INDEX OF SCHEDULES AND EXHIBITS Schedule A Expense Allowances Ceding Company Sensitivity Grid Schedule B Reserved Schedule C Expense Allowance Schedule D Fair Market Value Methodologies Schedule E Investment Guidelines Schedule C Policy Forms F Types of Reinsured Contracts Schedule D G Seriatim File Schedule E H Reinsurer Sensitivity Grid Schedule I Reserved Schedule J-1 Required Balance Model and Calculation Methodologies Schedule J-2 Milliman CTE Model and Calculation Methodologies Schedule K Separate Accounts Schedule L-1 Risk Management Policy Schedule L-2 FMV Derivatives Report Schedule L-3 Form of Quarterly Risk Management Report Schedule M Daily Derivatives Report Schedule N Ceding Company Reporting Schedule O-1 Recapture Terminal Settlement Schedule F-1 Separate Accounts Schedule F-2 Experience Refund Schedule F-3 EIM Administrative Fee Schedule G Schedule H Fair Market Value Methodologies Projected Separate Account Values Schedule I Compensation Schedule J Ceding Company Reports Schedule K Schedule L Schedule M Schedule N Schedule O O-2 Termination Terminal Settlement Schedule P Guaranty Fund Liabilities Final IMR Amortization Non-Guaranteed Elements Schedule Reinsurer Information Exchanges and RollQ Additional Premium Amount Schedule R Reserve Grade-Overs Unfloored CTE [***] Amount Methodologies Morningstar Categories In Exhibit 1 Form of Monthly Settlement Statement Exhibit 2 Form of Trust Agreement 1007933761v22 Exhibit 3 Form of Guarantee Exhibit 4 Form of Hold Harmless and Indemnification Agreement Exhibit 5 Form of Security and Control Agreement COINSURANCE AND MODIFIED COINSURANCE AGREEMENT THIS COINSURANCE AND MODIFIED COINSURANCE AGREEMENT (this “Agreement”) is made and entered into on October 3February 1, 2022 (the “Closing Date”) and effective as of the Effective Time by and between Equitable Financial Xxxx Xxxxxxx Life Insurance CompanyCompany (U.S.A.), a New YorkMichigan-domiciled stock life insurance company (the “Ceding Company”), and First Allmerica Financial Corporate Solutions Life Insurance Reinsurance Company, a MassachusettsDelaware-domiciled insurance company (the “Reinsurer”). For purposes of this Agreement, the Ceding Company and the Reinsurer shall each be deemed a “Party” and together the “Parties.”