CNA LIFE RE REINSURANCE AGREEMENT EFFECTIVE APRIL 1, 1999 BETWEEN CONTINENTAL ASSURANCE COMPANY AND HARTFORD LIFE INSURANCE COMPANY

CNA LIFE RE

REINSURANCE AGREEMENT

EFFECTIVE

APRIL 1, 1999

BETWEEN

CONTINENTAL ASSURANCE COMPANY

AND

HARTFORD LIFE

INSURANCE COMPANY

GUARANTEED MINIMUM DEATH BENEFIT

REINSURANCE AGREEMENT

CEDING COMPANY: HARTFORD LIFE INSURANCE COMPANY

(hereinafter referred to as the "Ceding Company")

REINSURER: CONTINENTAL ASSURANCE COMPANY OF CHICAGO, ILLINOIS

(hereinafter referred to as "Continental")

EFFECTIVE DATE: April 1, 1999

Commencing on the effective date, the Ceding Company will submit and Continental agrees to accept, the Ceding Company's Guaranteed Minimum Death Benefit (GMDB) risks as defined in Schedule B, the Accepted Coverage Schedule, subject to the provisions of this agreement.

TABLE OF CONTENTS

<Table>

ARTICLES TITLE PAGE

----------------------------------------------------------------------------

I Automatic reinsurance 3

II Reinsurance premiums and reporting 3

III Errors and omissions 5

IV Forms 5

V Claims 5

VI Recapture 7

VII Inspection of records 7

VIII Confidentiality 8

IX Insolvency 8

X Termination charge 9

XI Parties to the agreement 10

XII Duration of agreement 10

XIII Arbitration 10

XIV Currency 11

XV Choice of law and forum 11

XVI Dac tax 11

XVII Premium tax 12

XVIII Entire contract 12

</Table>

SCHEDULES

A Automatic Acceptance Limits 15

B Accepted Coverage 17

C Premium Rates 18

D Reporting Format 19

E Sub-Accounts 20

ARTICLE I

AUTOMATIC REINSURANCE

1. Beginning with the effective date of this agreement, the Ceding Company will cede and Continental will accept, subject to the limits and conditions set forth in this Agreement and the Schedules attached thereto, reinsurance of the GMDB attached to the Variable Annuity Contracts listed in Schedule B. The GMDB reinsurance benefit is as described in the rider shown in Schedule A.

2. This agreement covers only the Ceding Company's liability on claims under Variable Annuity Contracts that Continental has reviewed prior to issuance. Approved GMDB forms, Variable Annuity Contracts and Annuity Contract Forms are listed in Schedule B.

3. If the Ceding Company intends to cede to Continental liability with respect to a new annuity contract, or a revised version of an annuity contract where such revision effects the GMDB, it must provide Continental written notice of such intention together with a copy of the proposed annuity contract, or revision. Continental must approve all such additions/revisions in writing, Continental will respond to the Ceding Company within thirty (30) days after receipt of the additions/revisions.

4. The Ceding Company will not change its existing published limits and rules relating to GMDB as stated in its prospectus in effect as of April 1, 1999. Continental shall have no liability pursuant to revised limits and rules unless the Ceding Company provides written notice to Continental of such changes and Continental provides written notice to the Ceding Company that such revised limits and rules are acceptable. Continental will respond to the Ceding Company within thirty (30) days after receipt of the changes.

ARTICLE II

REINSURANCE PREMIUMS AND REPORTING

1. REINSURANCE PREMIUMS

[REDACTED]

2. REINSURANCE REPORTING

A. Within 30 days from the close of the calendar month, the Ceding Company will forward to Continental a statement or electronic medium reflecting the premiums due including any adjustments from the prior month. The Ceding Company will also remit a check for the balance due or will submit a request for payment of any net amount due from Continental, No interest is payable on amounts paid within 30 days from the date the statement is prepared.

B. If the amounts described in this Article cannot be determined by said due dates on an exact basis, such payments will be made with a generally agreed upon formula which will approximate the actual payments. Adjustments will then be made to reflect actual amounts when they become available.

3. UNPAID PREMIUMS

A. If any reinsurance premium is not paid within the allotted time, Continental may terminate the reinsurance on unpaid policies by giving the Ceding Company written notice. The Ceding Company will be liable for the payment of reinsurance premiums to the effective date of termination. Failure by Continental to exercise its right under this paragraph in any specific situation will not be a waiver of Continental's right to do so at a later date.

B. Continental will reinstate the reinsurance at any time within sixty (60) days following such termination if the Ceding Company makes payment, with interest, of all reinsurance premiums due and payable up to the date of reinstatement and provides full disclosure of all claims for which it has received notice between dates of termination and reinstatement. Continental will refund, with interest, any termination charge that was assessed against the due and unpaid policies at the time of reinstatement. Interest amounts will be calculated using the 7 year Constant Maturity Treasury rate reported for the last working day of that calendar month as reported in the Federal Reserve H15 Report. Continental will be liable for reinsurance on only those claims incurred by the Ceding Company between the dates of termination and reinstatement if the Ceding Company disclosed at the time it requested reinstatement of such policies all claims for which it has received notice. All such claims will be subject to the claims provisions specified in Article V.

C. Balances remaining unpaid by either party for more than 30 days from the date due will incur interest retroactive from the due date of the balance to the date of actual payment. Interest amounts will be calculated using the 7 year Constant Maturity Treasury rate reported for the last working day of that calendar month as reported in the Federal Reserve H15 Report.

4. OFFSET

Continental and the Ceding Company may exercise at any time the right to offset any undisputed debits or credits, liquidated or unliquidated, whether on account of premiums or on account of losses or otherwise, due from either party to the other under this agreement.

5. QUARTERLY RESERVE AND VALUATION INFORMATION

The reserve held by Continental for reinsurance of the variable annuity death benefit will be determined in accordance with the NAIC Actuarial Guideline XXXIV, but in no event less than the required statutory reserve in the state of domicile of the Ceding Company or such other state in which it conducts business. If Continental is not an admitted reinsurer in all jurisdictions where the Ceding Company conducts business. Continental will purchase, at Continental's expense, a Letter of Credit to enable the Ceding Company to take reinsurance credit appropriately for all liabilities under this Agreement.

6. SELF ADMINISTERED REPORTING REQUIREMENTS

The Ceding Company will not change its existing self administered reporting practices in effect on or after the effective date, unless the Ceding Company notifies Continental in writing and Continental approves of such changes. If the reporting practices of the Ceding Company deteriorate to the point that Continental cannot properly administer the risks reinsured under this agreement, has been notified of such deterioration in writing by Continental and has not remedied such deterioration within 30 days of receipt of notice, then Continental reserves the right to terminate this agreement within 15 business days of receiving the notice of non-remedy.

ARTICLE III

ERRORS AND OMISSIONS

This Agreement will not be abrogated by the failure of either the Ceding Company or Continental to comply with any of the terms of this Agreement if it is shown that said failure was unintentional and the result of a misunderstanding, oversight or clerical error on the part of either the Ceding Company or Continental. Both parties will be returned to the position they would have occupied had no such oversight, misunderstanding or clerical error occurred. This provision will cease five years after the termination of the last contract known to be reinsured under this agreement.

ARTICLE IV

FORMS

The Ceding Company will furnish Continental with any specimen copies of its applications, forms, and any tables of rates and values which may be required for the proper administration of the business reinsured under this agreement, and will keep Continental informed with proper documentation as to any modifications or new forms which would be required for the proper administration of reinsurance under this agreement.

ARTICLE V

CLAIMS

1. The Ceding Company is solely responsible for payment of its claims under the underlying Annuity Contracts identified in Schedule B.

2. The Ceding Company will determine the Guaranteed Minimum Death Benefit for each deceased annuitant and/or owner.

3. Claims are self administered.

4. The amount payable or paid on such claim, will be furnished to Continental when the claim payment is reported to Continental.

5. Continental will be liable to the Ceding Company for the benefits reinsured hereunder to the same extent as the Ceding Company is liable to the contractowner for such benefits, and all reinsurance will be subject to the terms and conditions of the contract under which the Ceding Company will be liable.

6. Continental will pay its share in a lump sum to the Ceding Company without regard to the form of claim settlement of the Ceding Company.

7. Continental agrees to pay to the Ceding Company a proportionate share of any interest paid out to the claimant by the Ceding Company. Continental's liability to pay interest will be discharged on the date that Continental issues payment to the Ceding Company.

8. Continental reserves the right to offset any claim payments in accordance with Article II -- 4.

9. Claims remaining unpaid by Continental for more than 30 days after the receipt of final papers will incur interest calculated from that date using the 7 year Constant Maturity Treasury Rate as reported for the last working date of that month in the Federal Reserve H15 Report.

10. The Ceding Company will promptly notify Continental of its intention to contest benefits reinsured under this agreement or to assert defenses to a claim for such benefits. If Continental agrees to participate in the contest or assertion of defenses and the Ceding Company's contest of such benefits results in the reduction of its liability, Continental will share in such reduction in proportion to Continental's liability. If Continental declines to participate in the contest or assertion of defenses, Continental will discharge all of its liability by payment of the full amount of the reinsurance to the Ceding Company.

11. Continental will pay its share of the unusual expenses of the contest in addition to its share of the claim itself. Routine expenses incurred in the normal settlement of uncontested claims, including interpleader cases, and the salary of an officer or employee of the Ceding Company, are excluded from this provision.

12. If Continental participates in the contest, in no event will Continental participate in punitive or compensatory damages which are awarded against the Ceding Company as a result of an act, omission or course of conduct committed solely by the Ceding Company in connection with the benefits reinsured under this Agreement. Continental will, however, pay its share of statutory penalties awarded against the Ceding Company in connection with benefits reinsured under this Agreement if Continental elected to join in the contest of the coverage in question. The parties recognize that circumstances may arise in which equity would require Continental, to the extent permitted by law, to share proportionately in certain assessed damages. Such circumstances are difficult to define in advance, but generally would be those situations in which Continental was an active party and directed, consented to, or ratified the act, omission, or course of conduct of the Ceding Company which ultimately results in the assessment of punitive and/or compensatory damages. In such situations, the Ceding Company and Continental would share such damages so assessed in equitable proportions. Routine expenses incurred in the normal settlement of uncontested claims, in the submission of interpleaders and the salary of an officer or employee of the Ceding Company are excluded from this provision.

13. For purposes of this provision, the following definitions will apply:

14. "Punitive Damages" are those damages awarded as a penalty, the amount of which is not governed nor fixed by statute;

15. "Statutory Penalties" are those amounts which are awarded as a penalty, but fixed in amount by statute;

16. "Compensatory Damages" are those amounts awarded to compensate for the actual damages sustained, and are not awarded as penalty, nor fixed in amount by statute.

ARTICLE VI

RECAPTURE PRIVILEGE

Recapture is not available.

ARTICLE VII

INSPECTION OF RECORDS

Continental will have the right, at any reasonable time, to inspect, at the office of the Ceding Company, all books, records and documents relating to the reinsurance under this Agreement.

ARTICLE VIII

CONFIDENTIALITY

Continental and the Ceding Company may come into the possession or knowledge of

Confidential Information of either party in fulfilling their obligations under

this agreement. Continental and the Ceding Company agree to hold such

information in confidence and to take all reasonable steps to ensure that such

Confidential Information is not disclosed in any form by any means by its

employees or third parties of any kind, except by advance written authorization

by an officer of Continental or the Ceding Company; provided however, that

Continental and the Ceding Company will be deemed to have satisfied their

obligations as to the Confidential Information by protecting its confidentiality

in the same manner that they would protect their own proprietary or confidential

information of like kind which will be at least a reasonable manner or, if it is

determined that such disclosure is necessary in order to avoid a violation or

potential violation of legal obligations in accordance with the following:

1. If Continental or the Ceding Company, their employees, directors or

advisers are requested or required (by oral questions, interrogatories,

requests for information or documents, subpoena, civil investigative demand

or similar process) to disclose Confidential Information, it will promptly

notify the other party in writing. The party notified will promptly

determine whether to contest such attempted discovery by legal means or to

waive compliance by the notifying party with the terms of this Agreement.

If, in the opinion of its counsel, Continental or the Ceding Company is

subject to contempt, sanction or other penalty for failure to disclose the

requested Confidential Information, it may, without violating the terms of

this Agreement, disclose only that portion of the Confidential Information

that counsel advises is legally required to be disclosed, provided that it

exercises all reasonable efforts to preserve the confidentiality of such

information, including, without limitation, by cooperating with Continental

or the Ceding Company in obtaining a protective order or other reliable

assurance that the Confidential information will be protected from

redisclosure, provided, however, that all expenses of such efforts (other

than allocated costs of home office employees at such location) shall be

borne by the party whose confidential information is sought to be

disclosed.

2. Confidential Information means any and all information acquired by

Continental or the Ceding Company prior or subsequent to the execution of

this Agreement with the exception of the following:

- Information readily available in the public domain; or

- Information acquired from sources other than the other party.

ARTICLE IX

INSOLVENCY

1. In the event of insolvency of either the Ceding Company or Continental, any

debits or credits due the other party, whether matured or unmatured, under this

agreement or any other agreement, which exists on the date of the entry of a

receivership or liquidation order, shall be deemed mutual debits or credits as

the case may be and shall be offset and only the balance shall be allowed or

paid.

2. In the event of insolvency of the Ceding Company, Continental's liability

for claims will continue to be in accordance with the terms of the agreement.

Payment of reinsurance claims less any reinsurance premiums due Continental will

be made directly to the liquidator, receiver or statutory successor of the

Ceding Company without diminution, because of the insolvency of the Ceding

Company.

3. In the event of insolvency of the Ceding Company, the liquidator, receiver

or statutory successor will give Continental written notice of any pending claim

and Continental may, at its own expense, investigate the claim and interpose any

defense which it deems appropriate to the Ceding Company or its liquidator,

receiver or statutory successor. If the Ceding Company benefits from the defense

by Continental, an equitable share of the expenses incurred by the Continental

will be chargeable to the Ceding Company as part of the expense of liquidation.

4. The Continental's liability will not increase as a result of the insolvency

of the Ceding Company.

5. In the event of the insolvency of Continental as determined by the Illinois

Department of Insurance, the liability of Continental shall not terminate but

shall continue with respect to the reinsurance ceded to Continental by the

ceding company prior to the date of such insolvency, and the Ceding Company

shall have a security interest in any and all sums held by or under deposit in

the name of Continental.

6. If the event in paragraph 5 above occurs, Continental shall have the right

within sixty (60) days of the date of notification to the Ceding Company that

the Illinois Department of Insurance determined the insolvency of Continental to

transfer all new and existing reinsurance ceded and all rights and obligations

under this Agreement to another reinsurer, subject to approval of the reinsurer

by the Ceding Company, and upon terms and conditions acceptable to the Ceding

Company. The Ceding Company shall not withhold its approval unreasonably and it

is understood that the terms and conditions of this Agreement shall be

acceptable to the Ceding Company for purposes of such transfer. In the event

that Continental is unable to effect such transfer, upon expiration of the

applicable notice period all new and existing reinsurance ceded under this

Agreement may terminate and be recaptured, as elected by the Ceding Company.

ARTICLE X

TERMINATION CHARGE

If Continental exercises its rights to terminate all new and existing inforce

reinsurance on unpaid policies as stipulated in Article II-3 an appropriate

charge will be determined by, and paid to, Continental. Such termination charge

will be equal to one prior year's premium on the unpaid policies measured from

the date of termination.

ARTICLE XI

PARTIES TO THE AGREEMENT

This is an Agreement for indemnity reinsurance solely between the Ceding Company

and Continental. The acceptance of reinsurance hereunder will not create any

right or legal relation whatsoever between Continental and any annuitant,

contractowner or any beneficiary under any contracts of the Ceding Company which

may be reinsured hereunder.

ARTICLE XII

DURATION OF AGREEMENT

1. This Agreement will be effective on and after the Effective Date stated on

the cover page. Other than for nonpayment of reinsurance premiums and/or failure

to comply with reporting requirements, the Agreement is unlimited in duration

but may be amended by mutual consent of the Ceding Company and Continental.

2. This Agreement may be terminated as to new reinsurance by either party's

giving ninety (90) days written notice to the other, effective one year after

date of this agreement.

ARTICLE XIII

ARBITRATION

1. It is the intention of Continental and the Ceding Company that the customs

and practices of the insurance and reinsurance industry will be given full

effect in the operation and interpretation of this Agreement. The parties agree

to act in all things with the highest good faith. If Continental or the Ceding

Company cannot mutually resolve a dispute which arises out of or relates to this

Agreement, however, the dispute will be decided through arbitration.

2. Disagreements between Continental and the Ceding Company will be submitted

to three arbitrators who must be current or former officers of other life

insurance companies. Within sixty (60) days of the date of notice of the intent

to submit the dispute to arbitration. Continental and the Ceding Company will

each appoint one arbitrator and the third will be selected by these two

arbitrators. If agreement cannot be reached on the selection of the third

arbitrator, each arbitrator will nominate three (3) candidates within ten (10)

days thereafter, two of whom the other will decline, and the decision will be

made by drawing lots.

3. The arbitrators will base their decision on the terms and conditions of this

Agreement plus, as necessary, on the customs and practices of the insurance and

reinsurance industry rather than solely on a strict interpretation of the

applicable law. There will be no appeal from their decision, and any court

having jurisdiction of the subject matter and the parties may reduce that

decision to judgment.

4. The arbitration hearing will be held on the date fixed by the arbitrators.

In no event will this date be later than six (6) months after the appointment of

the third arbitrator. As soon as possible, the arbitrators will establish

prearbitration procedures as warranted by the facts and issues of the particular

case. At least ten (10) days prior to the arbitration hearings, each party will

provide the other party and the arbitrators with a detailed statement of the

facts and arguments it will present at the arbitration hearing. The arbitrators

may consider any relevant evidence; they will give the evidence such weight as

they deem it entitled to after consideration of any objections raised concerning

it. The party initiating the arbitration will have the burden of proving its

case by a preponderance of the evidence. Each party may examine any witnesses

who testify at the arbitration hearing. Within twenty (20) days after the end of

the arbitration hearing, the arbitrators will issue a written decision. In their

decision, the arbitrators will apportion the costs of arbitration, which will

include but not be limited to their own fees and expenses, as they deem

appropriate.

ARTICLE XIV

CURRENCY

All currency will be payable in United States dollars.

ARTICLE XV

CHOICE OF LAW AND FORUM

Illinois law will govern the terms and conditions of the Agreement. In the case

of an arbitration, the arbitration hearing will take place in Chicago, Illinois,

and the Uniform Arbitration Act will control except as provided in Article XIII.

ARTICLE XVI

DAC TAX ELECTION STATEMENT

1. The Ceding Company and Continental hereby agree to the following pursuant to

Section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under

Section 848 of the Internal Revenue Code of 1986, as amended. This election will

be effective June 1, 1999 and all subsequent taxable years for which this

agreement remains in effect.

2. The term "party" will refer to either the Ceding Company or Continental as

appropriate.

3. The terms used in this article are defined by reference to Regulation

1.848-2 in effect December 1992.

4. The party with net positive consideration for this agreement for each

taxable year will capitalize specified IRS contract acquisition expenses with

respect to this agreement without regard to the general deductions limitation of

Section 848(c)(1).

5. Both parties agree to exchange information pertaining to the amount of net

consideration under this agreement each year to ensure consistency or as

otherwise required by the Internal Revenue Service.

6. Continental will submit a schedule to the Ceding Company by February 1 of

each year of its calculation of the net consideration for the preceding calendar

year. This schedule will be accompanied by a statement stating that Continental

will report such net consideration in its tax return for the preceding calendar

year.

7. The Ceding Company may contest such calculation by providing an alternative

calculation to Continental within 30 days of the Ceding Company's receipt of

Continental's calculation. If the Ceding Company does not so notify Continental,

Continental will report the net consideration as determined by Continental in

Continental's tax return for the previous calendar year.

8. If the Ceding Company contests Continental's calculation of the net

consideration, the parties will act in good faith to reach an agreement as to

the correct amount within 30 days of the date the Ceding Company submits its

alternative calculation. If the Ceding Company and Continental reach agreement

on an amount of the net consideration, each party will report such amount in

their respective tax returns for the previous calendar year.

ARTICLE XVII

PREMIUM TAX

Continental will not be responsible for any taxes incurred now or in the future,

directly or indirectly, by the Ceding Company or its affiliated companies.

ARTICLE XVIII

ENTIRE CONTRACT

1. This agreement will constitute the entire agreement between the parties with

respect to the business being reinsured thereunder and that there are no

understandings between the parties other than in the agreement.

2. Any changes or modifications to the agreement will be null and void unless

made by amendment to the agreement and signed by both parties.

Signed for Continental: Continental Assurance Company of

Chicago, Illinois

By: /s/ [ILLEGIBLE] Attest:

------------------------------ ------------------------------

Senior Vice President, Life Assistant Secretary

Reinsurance

Date of Signatures:

Signed for the Ceding Company: Hartford Life Insurance Company

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

------------------------------ ------------------------------

Title: [ILLEGIBLE] Title: Vice President & Corporate

Actuary

Date of Signatures: February 7, 2000

SCHEDULES

SCHEDULE A AUTOMATIC ACCEPTANCE LIMITS

SCHEDULE B ACCEPTED COVERAGES

SCHEDULE C PREMIUM RATES

SCHEDULE D REPORTING FORMAT

SCHEDULE E SUB-ACCOUNTS

SCHEDULE A

AUTOMATIC ACCEPTANCE LIMITS

GUARANTEED MINIMUM DEATH BENEFITS (GMDB)

The GMDB reinsured hereunder is provided on all new Directors series and Xxxxxx,

Xxxx Xxxxxx & Leaders series deferred variable annuity contracts. The GMDB

reinsured under the terms his Agreement is described in the attached copies of

the GMDB Contracts. Such forms are listed in Schedule B of this agreement.

Continental will reinsure [REDACTED] all new deferred variable annuity contracts

until the exhaustion of the capacity.

The guaranteed minimum death benefit (GMDB) during the accumulation period for

death prior to age 81 will be the greatest of:

1) The Contract Value on the date notification of Due Proof of Death is

received;

2) Total premium payments, reduced by the total gross partial

surrenders;

3) The Maximum Anniversary Value, as defined below:

Prior to the 81st birthday, the Maximum Anniversary Value is equal

to the greatest Anniversary Value for each contract anniversary

prior to the 81st birthday, determined as of the date notification

of Due Proof of Death is received. The Anniversary Value is equal to

the Contract Value as of a Contract Anniversary, increased by the

dollar amount of any premium payments made since that anniversary

and reduced by the dollar amount of any partial surrenders since

that anniversary.

After age 81, the Maximum Anniversary Value is the Maximum

Anniversary Value established at age 81, increased by premiums after

age 81 and reduced by gross partial surrenders after age 81.

For issue age 81 through 85, the guaranteed minimum death benefit is

the greater of items (1) and (2) as described above.

For both the Hartford's Director seven year surrender charge series of variable

annuities, and proprietary versions thereof and Hartford's Xxxxxx, Xxxx Xxxxxx

and Leaders seven year surrender charge series of variable annuities,

Continental will reinsure the excess of the above defined minimum death benefits

over the surrender value.

In the event of lapse or other contract termination, prior to the death, no

benefit will be payable under this coverage.

If the attached GMDB rider forms differ from the above description because of

state or jurisdiction variations, the rider forms will be taken as the correct

definition of the GMDB.

CAPACITY

[REDACTED]

SCHEDULE B

ACCEPTED COVERAGES

Annuity accounts allocated to the variable annuity contract forms shown below as

governed by the prospectus in effect on April 1, 1999.

The following flexible premium variable annuity contract forms are included in

this agreement:

Contract HL-VA99

Contract HL-VA94

Contract HLDW-VA94

And such other state specific versions as may be required by the states in which

the company conducts business.

SCHEDULE C

PREMIUM RATE SCHEDULE

The Adjusted Aggregate Contract Value is the sum of the Contract Values in all

of the Ceding Company's variable annuities contracts subject to this Agreement

minus Contract Values attributable to amounts in excess of the maximum purchase

amounts as described in Article II-1.

The premium is a flat basis point charge applied to Adjusted Aggregate Contract

Value.

DIRECTORS SERIES:

<Table>

ISSUE AGES COST OF REINSURANCE

<S> <C>

--------------------------------------------------------------

0 - 85 [REDACTED]

</Table>

XXXXXX, XXXX XXXXXX & LEADERS SERIES:

<Table>

ISSUE AGES COST OF REINSURANCE

<S> <C>

--------------------------------------------------------------

0 - 85 [REDACTED]

</Table>

The Average Monthly Aggregate Contract Value is defined as beginning of month

Adjusted Aggregate Contract Value plus end of month Adjusted Aggregate Contract

Value, divided by two.

The premium rate is guaranteed for the life of the contract, with the following

caveat. If the benefits or charges to the contractholder are changed (including

contract charges, M&E charges, and administrative fees), Continental reserves

the right to adjust the premium rates by an amount which reflects the change(s)

made to the contract. Fund management fees are allowed to fluctuate.

Subject to ninety days (90) written notice, Continental reserves the right to

adjust premium rates for contracts with an effective date of April 1, 2000 and

later.

SCHEDULE D

REPORTING FORMAT

Within 30 days after the end of each calendar month, the Ceding Company will

furnish Continental two electronic and summarized paper reports for the

reinsurance account, valued as of the last day of that month. The electronic

reports will be submitted in a format that is acceptable to both Continental and

the Ceding Company. The reports will indicate for all inforce annuitants the

following information:

<Table>

FIELD # FIELD NAME DESCRIPTION

-----------------------------------------------------------------------------------

1 Report Date Report date is the last day of the

reporting month (mm/dd/yyyy)

2 Direct Writing Company Name of your company

3 Contract Number Policy or contract number

4 Contractholder Name of the contractholder (last name MI

first name)

5 Current Age Age of the contractholder as of the

report date

6 Issue Date Date of the contract issued (mm/dd/yyyy)

7 Sex Gender of the contractholder (M or F)

8 Plan Code Z6102 -- Directors Series -- annual

ratchet Z6104 -- Xxxxxx, Xxxx Xxxxxx, and

Leaders Series -- annual ratchet

9 Current Ratchet Value Ratchet value as of the report date

($xx.xx)

10 Current Guaranteed Minimum GMDB as of the report date ($xx.xx)

Death Benefit

11 Current Total Contract Value Total contract value as of the report

date ($xx.xx)

12 Current Contract Value by Fund Contract value by individual fund as of

the report date. The sum of Field 12

should equal Field 11. ($xx.xx)

13 Total Death Benefits Paid Total death benefits paid for this

reporting month ($xx.xx)

14 Death Benefits Paid by Death benefits paid by CNA for this

Continental reporting month ($xx.xx)

15 Total Death Benefits Due and Total death benefits due and unpaid for

Unpaid this reporting month ($xx.xx)

16 Death Benefits Due and Unpaid Death benefits due and unpaid by CNA for

by Continental this reporting month ($xx.xx)

17 Current Premium Premium paid in this reporting month

($xx.xx)

18 ITD Premium Premium paid since inception ($xx.xx)

19 Current Withdrawal Amount Total withdrawal amount in this reporting

month ($xx.xx)

20 ITD Withdrawal Amount Total withdrawal amount since inception

($xx.xx)

</Table>

SCHEDULE E

ELIGIBLE PORTFOLIOS FDR CONTRACT VALUES

1. SEPARATE ACCOUNT SUB-ACCOUNTS

THE DIRECTOR VARIABLE ANNUITIES

Hartford Bond Fund

Hartford Stock Fund

Hartford Money Market Fund

Hartford Advisers Fund

Hartford Capital Appreciation Fund

Hartford Mortgage Securities Fund

Hartford Index Fund

Hartford International Advisers Fund

Hartford International Opportunities Fund

Hartford Dividend and Growth Fund

Hartford MidCap Fund

Hartford Small Company Fund

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Xxxxxxxx Xxxxxxxx Growth and Income Fund

Xxxxxxxx Xxxxxxxx Strategic Income Fund

Xxxxxxxx Xxxxxxxx Tactical Allocation Fund

Amsouth Equity Income Fund

Amsouth Select Equity Fund

BB&T Growth and Income Fund

Evergreen Foundation Fund

Evergreen Omega Fund

Evergreen Special Equity Fund

Evergreen VIP Perpetual International Fund

Evergreen VIP Capital Growth Fund

Evergreen VIP Growth Fund

Nations Balanced Assets Fund

Nations Disciplined Equity Fund

Nations International Growth Fund

Nations Managed Index Fund

Nations Managed SmallCap Index Fund

Nations Value Fund

Nations Xxxxxxx Growth and Income Fund

Nations Xxxxxxx Focused Equities Fund

Salomon Brothers Variable Capital Fund

Salomon Brothers Variable Total Return Fund

THE DIRECTOR VARIABLE ANNUITIES (CONTINUED)

Salomon Brothers Variable Investors Fund

Salomon Brothers Variable High Yield Bond Fund

AIM VI Capital Appreciation Fund

AIM VI High Yield Fund

AIM VI Value Fund

Xxxxxxx Xxxxx Global Growth Focus Fund

Mercury V.I. U.S. Large Cap Fund

Huntington VA Income Equity Fund

XXXXXX HARTFORD VARIABLE ANNUITIES

Xxxxxx VT Asia Pacific Growth Fund

Xxxxxx VT Diversified Income Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Boston

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Global Growth Fund

Xxxxxx VT Growth and Income Fund

Xxxxxx VT Health Sciences Fund

Xxxxxx VT High Yield Fund

Xxxxxx VT Income Fund

Xxxxxx VT International Growth Fund

Xxxxxx VT International Growth and Income Fund

Xxxxxx VT International New Opportunities Fund

Xxxxxx VT Investors Fund

Xxxxxx VT Money Market Fund

Xxxxxx VT New Opportunities Fund

Xxxxxx VT New Value Fund

Xxxxxx VT OTC & Emerging Growth Fund

Xxxxxx VT Research Fund

Xxxxxx VT Small Cap Fund

Xxxxxx VT Utilities Growth and Income Fund

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

One Group Investment Trust Large Cap Growth

One Group Investment Trust Diversified Equity

Pegasus Money Market

One Group Investment Trust Diversified Mid Cap

One Group Investment Trust Bond

One Group Investment Trust Mid Cap Value

Pegasus Managed Assets Balanced Fund

XXXXXX XXXXXXX XXXX XXXXXX SELECT DIMENSIONS ANNUITIES

Xxxxxx Xxxxxxx Xxxx Xxxxxx Money Market Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx North American Government Securities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Diversified Income Fund

XXXXXX XXXXXXX XXXX XXXXXX SELECT DIMENSIONS ANNUITIES (CONTINUED)

Xxxxxx Xxxxxxx Xxxx Xxxxxx Balanced Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Utilities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Dividend Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Value-Added Market Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx American Opportunities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Mid-Cap Equity Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Global Equity Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Developing Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Emerging Markets Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx High Yield Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Mid-Cap Value

Xxxxxx Xxxxxxx Xxxx Xxxxxx Emerging Markets Debt Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Universal Emerging Markets Equity Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Universal Fixed Income Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Universal Active International Allocation Fund

Xxx Xxxxxx Strategic Stock Fund

Xxx Xxxxxx Enterprise Fund

LEADERS VARIABLE ANNUITIES

American Funds Asset Allocation Fund

American Funds Bond Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

American Funds New World Fund

Franklin Xxxxxxxxx Real Estate Securities Fund

Franklin Xxxxxxxxx Small Cap Fund

Franklin Xxxxxxxxx Strategic Income Investments Fund

Franklin Xxxxxxxxx Mutual Shares Securities Fund

Franklin Xxxxxxxxx Asset Allocation Fund

Franklin Xxxxxxxxx Developing Markets Fund

Franklin Xxxxxxxxx Global Growth Fund

Franklin Xxxxxxxxx International Fund

Hartford Money Market Fund

LEADERS VARIABLE ANNUITIES (CONTINUED)

MFS Capital Opportunities Fund

MFS Emerging Growth Fund

MFS Global Equity Fund

MFS Growth Fund

MFS Growth with Income Fund

MFS High Income Fund

MFS New Discovery Fund

MFS Total Return

2. GENERAL ACCOUNT

Fixed Account

AMENDMENT NO. 1

GUARANTED MINIMUM DEATH BENEFIT AGREEMENT

DATED

APRIL 1, 1999

CEDING COMPANY: Hartford Life Insurance Company

REINSURER: Continental Assurance Company of Chicago, IL

REINSURANCE AGREEMENT EFFECTIVE: April 1, 1999

EFFECTIVE DATE OF AMENDMENT: June 1, 2000

Commencing on the effective date indicated above, Schedule A, C and E of the

original agreement will be replaced by the attached revised Schedules.

This Amendment is part of the Reinsurance Agreement. All provisions in the

Reinsurance Agreement will apply, except those specifically modified by this

Amendment.

Signed for the Reinsurer: Continental Assurance Company of

Chicago, Illinois

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

---------------------------- -----------------------------

President -- COO Assistant Vice President

CNA Life Re

Date of Signatures: December 13, 2000

Signed for the Ceding Company: Hartford Life Insurance Company

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

---------------------------- -----------------------------

Title: Vice President & Director Title: Vice President & Corporate

Actuary

Date of Signatures: January 9, 2001

SCHEDULE A

AUTOMATIC ACCEPTANCE LIMITS

GUARANTEED MINIMUM DEATH BENEFITS (GMDB)

The GMDB reinsured hereunder is provided on all new Directors series and Xxxxxx, Xxxx Xxxxxx & Leaders series deferred variable annuity contracts. The GMDB reinsured under the terms of this Agreement is described in the attached copies of the GMDB Contracts. Such forms are listed in Schedule B of this agreement. Continental will reinsure [REDACTED] all new deferred variable annuity contracts until the exhaustion of the capacity.

The guaranteed minimum death benefit (GMDB) during the accumulation period for death prior to age 81 will be the greatest of:

1) The Contract Value on the date notification of Due Proof of Death is received;

2) Total premium payments, reduced by the total gross partial surrenders;

3) The Maximum Anniversary Value, as defined below:

Prior to the 81st birthday, the Maximum Anniversary Value is equal to the greatest Anniversary Value for each contract anniversary prior to the 81st birthday, determined as of the date notification of Due Proof of Death is received. The Anniversary Value is equal to the Contract Value as of a Contract Anniversary, increased by the dollar amount of any premium payments made since that anniversary and reduced by the dollar amount of any partial surrenders since that anniversary.

After age 81, the Maximum Anniversary Value is the Maximum Anniversary Value established at age 81, increased by premiums after age 81 and reduced by gross partial surrenders after age 81.

For issue age 81 through 85, the guarantee minimum death benefit is the greater of items (1) and (2) as described above.

For both the Hartford's Director seven year surrender charge series of variable annuities, and proprietary versions thereof and Hartford's Xxxxxx, Xxxx Xxxxxx and Leaders seven year surrender charge series of variable annuities, Continental will reinsure the excess of the above defined minimum death benefits over the surrender value.

In the event of lapse or other policy termination, prior to death, no benefit will be payable under this coverage.

If the attached GMDB rider forms differ from the above description because of state or jurisdiction variations, the rider forms will be taken as the correct definition of the GMDB.

CAPACITY

[REDACTED]

SCHEDULE C

PREMIUM RATE SCHEDULE

The Adjusted Aggregate Contract Value is the sum of the Contract Values in all of the Ceding Company's variable annuities contracts subject to this Agreement minus Contract Values attributable to amounts in excess of the maximum purchase amounts as described in Article II-1.

The premium is a flat basis point charge applied to Adjusted Aggregate Contract Value.

DIRECTORS SERIES:

<Table>

COST OF REINSURANCE

ISSUE AGES ANNUAL MONTHLY

--------------------------------------------------------------------------------

0 - 49 [REDACTED] [REDACTED]

50 - 59 [REDACTED] [REDACTED]

60 - 69 [REDACTED] [REDACTED]

70 - 79 [REDACTED] [REDACTED]

80+ [REDACTED] [REDACTED]

</Table>

XXXXXX, XXXX XXXXXX & LEADERS SERIES:

<Table>

COST OF REINSURANCE

ISSUE AGES ANNUAL MONTHLY

--------------------------------------------------------------------------------

0 - 49 [REDACTED] [REDACTED]

50 - 59 [REDACTED] [REDACTED]

60 - 69 [REDACTED] [REDACTED]

70 - 79 [REDACTED] [REDACTED]

80+ [REDACTED] [REDACTED]

</Table>

The Average Monthly Aggregate Contract Value is defined as beginning of month

Adjusted Aggregate Contract Value plus end of month Adjusted Aggregate Contract

Value, divided by two.

The premium rate is guaranteed for the life of the policy, with the following

caveat. If the benefits or charges to the policyholder are changed (including

contract changes, M&E charges, and administrative fees), Continental reserves

the right to adjust the premium rates by an amount which reflects the change(s)

made to the contract. Fund management fees are allowed to fluctuate.

Subject to ninety days (90) written notice, Continental reserves the right to

adjust premium rates for contracts with an effective date of June 1, 2001 and

later.

SCHEDULE E

ELIGIBLE PORTFOLIOS FOR ACCOUNT VALUES

1. SEPARATE ACCOUNT SUB-ACCOUNTS

THE DIRECTOR VARIABLE ANNUITIES

Hartford Bond Fund

Hartford Stock Fund

Hartford Money Market Fund

Hartford Advisers Fund

Hartford Capital Appreciation Fund

Hartford Mortgage Securities Fund

Hartford Index Fund

Hartford International Advisers Fund

Hartford International Opportunities Fund

Hartford Dividend and Growth Fund

Hartford International Advisers Fund

Hartford MidCap Fund

Hartford Small Company Fund

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Hartford Global Health Fund

Hartford Global Technology Fund

Xxxxxxxx Xxxxxxxx Growth and Income Fund

Xxxxxxxx Xxxxxxxx Strategic Income Fund

Xxxxxxxx Xxxxxxxx Tactical Allocation Fund

Amsouth Equity Income Fund

Amsouth Select Equity Fund

BB&T Growth and Income Fund

Evergreen Perpetual International Fund

Evergreen Growth Fund

Evergreen Omega Fund

Evergreen Special Equity Fund

Evergreen Foundation Fund

Evergreen Capital Growth Fund

Salomon Capital Fund

Salomon Investors Fund

Salomon Total Return Fund

Salomon High Yield Fund

First American International Portfolio

First American Large Cap Growth Portfolio

First American Technology Fund

THE DIRECTOR VARIABLE ANNUITIES (CONTINUED)

Armada Advantage Mid-Cap Growth Fund

Armada Advantage International Equity Fund

Armada Advantage Equity Growth Fund

Mentor VIP Capital Growth Fund

Nations Balanced Assets Fund

Nations Aggressive Growth Fund

Nations International Growth Fund

Nations Managed Index Fund

Nations Small Cap Index Fund

Nations Value Fund

Nations Xxxxxxx Growth and Income Fund

Nations Xxxxxxx Focused Equities Fund

Nations High Yield Fund

Nations International Fund

AIM VI Capital Appreciation Fund

AIM VI High Yield Fund

AIM VI Value Fund

Xxxxxxx Xxxxx Global Growth Focus Fund

Mercury V.I. U.S. Large Cap Fund

Huntington VA Income Equity Fund

XXXXXX HARTFORD VARIABLE ANNUITIES

Xxxxxx VT Asia Pacific Growth Fund

Xxxxxx VT Diversified Income Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Bostong

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Global Growth Fund

Xxxxxx VT Growth and Income Fund

Xxxxxx VT Health Sciences Fund

Xxxxxx VT High Yield Fund

Xxxxxx VT Income Fund

Xxxxxx VT International Growth Fund

Xxxxxx VT International Growth and Income Fund

Xxxxxx VT International New Opportunities Fund

Xxxxxx VT Investors Fund

Xxxxxx VT Money Market Fund

Xxxxxx VT New Opportunities Fund

Xxxxxx VT New Value Fund

Xxxxxx VT OTC & Emerging Growth Fund

Xxxxxx VT Research Fund

Xxxxxx VT Small Cap Fund

Xxxxxx VT Utilities Growth and Income Fund

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

One Group Investment Trust Large Cap Growth

One Group Investment Trust Diversified Equity

Pegasus Money Market

XXXXXX HARTFORD VARIABLE ANNUITIES (CONTINUED)

One Group Investment Trust Diversified Mid Cap

One Group Investment Trust Bond

One Group Investment Trust Mid Cap Value

Pegasus Managed Assets Balanced Fund

Salomon Investors Fund

Salomon Total Return Fund

Salomon High Yield Fund

XXXXXX XXXXXXX XXXX XXXXXX SELECT DIMENSIONS ANNUITIES

Xxxxxx Xxxxxxx Xxxx Xxxxxx Money Market Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx North American Government Securities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Diversified Income Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Balanced Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Utilities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Dividend Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Value-Added Market Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx American Opportunities Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Mid-Cap Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Global Equity Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Developing Growth Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Emerging Markets Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx High Yield Fund

Xxxxxx Xxxxxxx Xxxx Xxxxxx Mid-Cap Value

Xxxxxx Xxxxxxx Xxxx Xxxxxx Emerging Markets Debt Fund

Xxx Xxxxxx Strategic Stock Fund

Xxx Xxxxxx Enterprise Fund

LEADERS VARIABLE ANNUITIES

American Funds Asset Allocation Fund

American Funds Bond Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

American Funds New World Fund

Franklin Xxxxxxxxx Real Estate Securities Fund

Franklin Xxxxxxxxx Small Cap Fund

Franklin Xxxxxxxxx Strategic Income Investments Fund

Franklin Xxxxxxxxx Mutual Shares Securities Fund

Franklin Xxxxxxxxx Asset Allocation Fund

Franklin Xxxxxxxxx Developing Markets Fund

Franklin Xxxxxxxxx Global Growth Fund

Franklin Xxxxxxxxx International Fund

Hartford Money Market Fund

XXXXXX XXXXXXX XXXX XXXXXX SELECT DIMENSIONS ANNUITIES (CONTINUED)

MFS Capital Opportunities Fund

MFS Emerging Growth Fund

MFS Global Equity Fund

MFS Growth Fund

MFS Growth with Income Fund

MFS High Income Fund

MFS New Discovery Fund

MFS Total Return

2. GENERAL ACCOUNT

Fixed Account

AMENDMENT #2

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

Between

HARTFORD LIFE INSURANCE COMPANY

HARTFORD, CONNECTICUT

(hereinafter called the Ceding Company)

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

(hereinafter called MARC)

Treaty ID: 2104

Whereas the Ceding Company and MARC (collectively, the "Parties") acknowledge

that the fund changes detailed herein have been administered under the Agreement

since May 1, 2009, but have not previously been memorialized in any formal

amendment to the Agreement. The Parties now wish to execute this amendment

replacing all prior agreements and understandings.

Amendment 1 Schedule E is replaced in its entirety with the attached Schedule E

to reflect the most current fund changes.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Guaranteed Minimum

Death Benefit Reinsurance Agreement effective April 1, 1999 between the Ceding

Company and MARC.

[LOGO]

MARC

MUNICH RE GROUP

In witness whereof, the said Hartford Life Insurance Company and the said Munich

American Reassurance Company, Atlanta, Georgia, have by their respective

officers executed and delivered this addendum in duplicate.

HARTFORD LIFE INSURANCE COMPANY

By [ILLEGIBLE]

------------------------------

Title: [ILLEGIBLE]

Attest [ILLEGIBLE] Date 10/5/09

------------------------------

MUNICH AMERICAN REASSURANCE COMPANY

By [ILLEGIBLE]

------------------------------

Title: Associate Actuary

Attest [ILLEGIBLE] Date 9/18/2009

------------------------------

[LOGO]

MARC

MUNICH RE GROUP

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

Investment Fund Options under contract types reinsured under this agreement are

as follows:

a.) Fixed Account (available under all reinsured contract forms)

b.) Separate Accounts as listed below (listed by product chassis)

DIRECTOR VARIABLE ANNUITY SERIES

AIM V.I. Capital Appreciation Fund

AIM V.I. Core Equity Fund

AIM V.I. High Yield Fund

AllianceBernstein VP Growth and Income Portfolio

AllianceBernstein VPS Intermediate Bond Portfolio

BB&T Capital Manager Equity VIF Fund

BB&T Large Cap VIF Fund

BB&T Mid Cap Growth VIF Fund

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Columbia Asset Allocation Fund

Columbia High Yield Fund

Columbia Large Cap Value Fund

Columbia Xxxxxxx 21st Century Fund

Columbia Xxxxxxx Focused Equities Fund

Columbia Xxxxxxx Growth Fund

Columbia Xxxxxxx International Opportunties Fund

Columbia Mid Cap Growth Fund

Columbia Small Company Growth Fund

Evergreen VA Diversified Capital Builder Fund

Evergreen VA Fundamental Large Cap Fund

Evergreen VA Growth Fund

Evergreen VA High Income Fund

Evergreen VA International Equity Fund

Evergreen VA Omega Fund

Evergreen VA Special Values Fund

Hartford Advisers HLS Fund

Hartford Capital Appreciation HLS Fund

Hartford Disciplined Equity HLS Fund

Hartford Dividend and Growth HLS Fund

Hartford Equity Income HLS Fund

Hartford Fundamental Growth Fund

Hartford Global Advisers HLS Fund

Hartford Global Equity HLS Fund

Hartford Global Growth HLS Fund

Hartford Global Health HLS Fund (closed to new deposits, eff. 8/16/2004)

Hartford Growth HLS Fund

Hartford Growth Opportunities HLS Fund

Hartford High Yield HLS Fund

Hartford Index HLS Fund

Hartford International Growth HLS Fund

Hartford International Opportunities HLS Fund

Hartford International Small Company HLS Fund

Hartford Large Cap Growth HLS Fund

Hartford MidCap HLS Fund

Hartford MidCap Growth HLS Fund

Hartford MidCap Value HLS Fund (closed to new deposits, eff. 8/16/2004)

Hartford Money Market HLS Fund

Hartford Mortgage Securities HLS Fund (ee. 9/29/2008, merged into the Hartford

U.S. Government Securities HLS Fund)

Hartford Small Company HLS Fund

Hartford Small-Cap Growth HLS Fund

Hartford Small Cap Value HLS Fund

Hartford Stock HLS Fund

Hartford Total Return Bond HLS Fund

Hartford US Government Securities HLS Fund

Hartford Value HLS Fund

Hartford Value Opportunities HLS Fund

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 0000

Xxxxxxxxxx XX Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

Xxxx Xxxxx Partners Variable All Cap Value Fund

Xxxx Xxxxx Partners Variable Global High Yield Bond Portfolio

Xxxx Xxxxx Partners Variable Investors Fund

Xxxx Xxxxx Partners Variable Total Return Fund

Pioneer Fund VCT Portfolio

Pioneer Oak Ridge Large Cap Growth VCT Portfolio (eff 4-23-09, this fund will

hard close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into the Hartford HLS Money Market Fund).

Pioneer Value VCT Portfolio

Prudential 20/20 Focus Portfolio

Prudential Xxxxxxxx Growth Portfolio

Prudential Value Portfolio

SP Xxxxxxx Xxxxx International Growth Portfolio

UBS Series Trust -- U.S. Allocation Portfolio (Eff 4-23-09, this fund will hard

close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into (the Hartford HLS Money Market Fund)

Victory Diversified Stock Fund

Xxxxx Fargo Advantage VT Asset Allocation Fund

Xxxxx Fargo Advantage VT C&B Large Cap Value Fund

Xxxxx Fargo Advantage VT Discovery Fund

Xxxxx Fargo Advantage VT Equity Income Fund

Xxxxx Fargo Advantage VT International Core Fund

Xxxxx Fargo Advantage VT Large Company Core Fund

Xxxxx Fargo Advantage VT Large Company Growth Fund

Xxxxx Fargo Advantage VT Money Market Fund

Xxxxx Fargo Advantage VT Multi Cap Value Fund

Xxxxx Fargo Advantage VT Opportunity Fund

Xxxxx Fargo Advantage VT Small Cap Growth Fund

Xxxxx Fargo Advantage VT Total Return Bond Fund

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

HARTFORD LEADERS VARIABLE ANNUITY SERIES

AIM V.I. Basic Value Fund

AIM V.I. Capital Appreciation Fund

AIM V.I. Capital Development Fund

AIM V.I. Core Equity Fund

AIM V.I. Demographics Trends Fund

AIM V.I. Government Securities Fund

AIM V.I. International Growth Fund

AIM V.I. Large Cap Growth Fund

AIM V.I. Mid Cap Core Equity Fund

AIM V.I. Small Cap Equity Fund

American Funds Assets Allocation Fund

American Funds Blue Chip Income and Growth Fund

American Funds Bond Fund

American Funds Global Bond Fund

American Funds Global Growth and Income Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

American Funds New World Fund

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Franklin Flex Cap Growth Securities Fund

Franklin Global Real Estate Securities Fund (closed to new deposits eff.

5/1/2002)

Franklin Income Securities Fund

Franklin Large Cap Growth Securities Fund

Franklin Large Cap Value Securities Fund

Franklin Rising Dividends Securities Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

Hartford Money Market HLS Fund

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Global Equity Series

MFS High Income Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Mid-Cap Growth Series

MFS New Discovery Series

MFS Research Bond Series

MFS Research International Series

MFS Research Series

MFS Total Return Series

MFS Value Series

Mutual Discovery Securities Fund

Mutual Shares Securities Fund

Prudential 20/20 Focus Portfolio

Prudential Xxxxxxxx Growth Portfolio

Prudential Value Portfolio

SP Xxxxxxx Xxxxx International Growth Portfolio

Xxxxxxxxx Developing Markets Securities Fund

Xxxxxxxxx Foreign Securities Fund

Templeton Global Asset Allocation Fund (closed to new deposits, eff. 1/24/2003)

Templeton Growth Securities Fund

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

XXXXXX XXXXXXX VARIABLE ANNUITY SERIES

Hartford Select Leaders Variable Annuity added as of July 24, 2000

American Funds Global Bond Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Xxxxxx Xxxxxxx Balanced Portfolio

Xxxxxx Xxxxxxx Capital Opportunities Portfolio

Xxxxxx Xxxxxxx Mid Cap Growth

Xxxxxx Xxxxxxx Dividend Growth Portfolio

Xxxxxx Xxxxxxx Equally Weighted S&P 500 Portfolio

Xxxxxx Xxxxxxx Flexible Income Portfolio

Xxxxxx Xxxxxxx Focus Growth Portfolio

Xxxxxx Xxxxxxx Global Equity (Eff 4-23-09, the Xxxxxx Xxxxxxx Xxxxx Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Xxxxxx Xxxxxxx Money

Market Portfolio).

Xxxxxx Xxxxxxx Capital Growth

Xxxxxx Xxxxxxx Money Market Portfolio

Xxxxxx Xxxxxxx Global Infrastructure Portfolio Eff 11-10-08. (Formerly Xxxxxx

Xxxxxxx Utilities Portfolio).

Mutual Shares Securities Fund

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF Equity and Income Portfolio

UIF Global Franchise Portfolio

UIF High Yield Portfolio

UIF Small Company Growth Portfolio

UIF U.S. MidCap Value Portfolio

Xxx Xxxxxx LIT Mid Cap Growth Portfolio

Xxx Xxxxxx LIT Xxxxxxxx Portfolio

Xxx Xxxxxx LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Xxxxxx Xxxxxxx Money Market Portfolio).

Xxx Xxxxxx LIT Growth and Income Portfolio

Xxx Xxxxxx LIT Capital Growth Portfolio

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

Select Dimensions Variable Annuity -- replaced by Select Leaders 7/24/00

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Xxxxxx Xxxxxxx Balanced Portfolio

Xxxxxx Xxxxxxx Capital Opportunities Portfolio

Xxxxxx Xxxxxxx Mid Cap Growth

Xxxxxx Xxxxxxx Dividend Growth Portfolio

Xxxxxx Xxxxxxx Equally Weighted S&P 500 Portfolio

Xxxxxx Xxxxxxx Flexible Income Portfolio

Xxxxxx Xxxxxxx Focus Growth Portfolio

Xxxxxx Xxxxxxx Global Equity (Eff 4-23-09, the Xxxxxx Xxxxxxx Xxxxx Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Xxxxxx Xxxxxxx Money

Market Portfolio).

Xxxxxx Xxxxxxx Capital Growth

Xxxxxx Xxxxxxx Money Market Portfolio

Xxxxxx Xxxxxxx Global Infrastructure Portfolio Eff 11-10-08. (Formerly Xxxxxx

Xxxxxxx Utilities Portfolio).

Mutual Shares Securities Fund

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Pius Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF High Yield Portfolio

UIF U.S. MidCap Value Portfolio

Xxx Xxxxxx LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Xxxxxx Xxxxxxx Money Market Portfolio).

Xxx Xxxxxx LIT Growth and Income Portfolio

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

XXXXXX HARTFORD CAPITAL MANAGER VARIABLE ANNUITY SERIES

XX Xxxxxx Insuracne Trust Mid Cap Value Portfolio 1

XX Xxxxxx Insurance Trust Core Bond Portfolio 1

XX Xxxxxx Insurance Trust Diversified Equity Portfolio 1 (eff 5-1-09, this fund

will be renamed to XX Xxxxxx Insurance Trust U.S. Equtiy Portfolio).

XX Xxxxxx Insurance Trust Intrepid Growth Portfolio

XX Xxxxxx Insurance Trust Intrepid Mid Cap Portfolio 1

Xxxx Xxxxx Partners Variable All Cap Value Fund

Xxxx Xxxxx Partners Variable Global High Yield Bond Portfolio

Xxxx Xxxxx Partners Variable Investors Fund

Xxxx Xxxxx Partners Variable Total Return Fund

Xxxxxx VT American Government Income Fund

Xxxxxx VT Capital Appreciation Fund (eff 2-13-09 -- All assets in the Xxxxxx

Capital Appreciation Fund will be merged into the Xxxxxx Investors Fund.)

Xxxxxx VT Capital Opportunities Fund

Xxxxxx VT Discovery Growth Fund (eff 2-13-09 -- All assets in the Xxxxxx

Discovery Growth Fund will be merged into the Xxxxxx New Opportunities

Xxxxxx VT Diversified Income Fund

Xxxxxx VT Equity Income Fund

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Global Equity Fund

Xxxxxx VT Growth and Income Fund

Xxxxxx VT Growth Opportunities Fund

Xxxxxx VT Health Sciences Fund (eff 2-15-09 -- The Xxxxxx VT Health Sciences

Fund Class IA/IB will be renamed to the Xxxxxx VT Global Health Care Fund Class

IA/IB).

Xxxxxx VT High Yield Fund

Xxxxxx VT Income Fund

Xxxxxx VT International Equity Fund

Xxxxxx VT International Growth and Income Fund

Xxxxxx VT International New Opportunities Fund

Xxxxxx VT Investors Fund

Xxxxxx VT Mid Cap Value Fund

Xxxxxx VT Money Market Fund

Xxxxxx VT New Opportunities Fund

Xxxxxx VT New Value Fund (eft 2-13-09 -- All assets in the Xxxxxx New Value Fund

will be merged into the Xxxxxx Equity Income Fund.)

Xxxxxx VT OTC & Emerging Growth Fund (eff 2-13-09 -- All assets in the Xxxxxx

OTC & emerging Growth Fund will be merged into the Xxxxxx Vista

Xxxxxx VT Research Fund

Xxxxxx VT Small Cap Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Boston

Xxxxxx VT Utilities Growth and Income Fund (eff 2-15-09, The Xxxxxx VT Utilities

Growth and Income Fund class IA/IB will be renamed to the Xxxxxx VT Global

Utilities Fund Class IA/IB).

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

[LOGO]

MUNICH RE

AMENDMENT #3

EFFECTIVE MARCH 31, 2010

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

(the "Agreement")

Between

HARTFORD LIFE INSURANCE COMPANY

HARTFORD, CONNECTICUT

(the "Ceding Company")

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

("MARC")

Agreement Effective Date April 1, 1999

Treaty ID: 2104

This Agreement shall be amended as follows:

Schedule E is hereby replaced in its entirety with the attached Schedule E to

reflect the fund changes as of March 31, 2010.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Agreement.

TREATY NO. 2104 MUNICH AMERICAN REASSURANCE COMPANY

AMENDMENT NO. 3

<Page>

[LOGO]

MUNICH RE

In witness whereof, Hartford Life Insurance Company, Hartford, Connecticut and

the Munich American Reassurance Company, Atlanta, Georgia, have by their

respective officers executed and delivered this amendment in duplicate.

HARTFORD LIFE INSURANCE COMPANY

By [ILLEGIBLE]

------------------------------

Title: [ILLEGIBLE]

Attest [ILLEGIBLE] Date 06/24/10

------------------------------

MUNICH AMERICAN REASSURANCE COMPANY

By [ILLEGIBLE]

------------------------------

Title: [ILLEGIBLE]

Attest [ILLEGIBLE] Date June 22,2010

------------------------------

TREATY NO. 2104 MUNICH AMERICAN REASSURANCE COMPANY

AMENDMENT NO. 3

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: MARCH 31, 2010

Investment Fund Options under contract types reinsured under this

agreement are as follows:

a.) Fixed Account (available under all reinsured contract forms)

b.) Separate Accounts as listed below (listed by product chassis)

DIRECTOR VARIABLE ANNUITY SERIES

AIM V.I. Capital Appreciation Fund

AIM V.I. Core Equity Fund

AIM V.I. High Yield Fund

AllianceBernstein VP Growth and Income Portfolio

AllianceBernstein VPS Intermediate Bond Portfolio

BB&T Capital Manager Equity VIF Fund

BB&T Large Cap VIF Fund

BB&T Mid Cap Growth VIF Fund (Eff 1/28/10, closed to new purchases)

(Eff 1/29/10, fund will be liquidated into Hartford Money Market HLS

Fund).

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Columbia Asset Allocation Fund

Columbia High Yield Fund

Columbia Large Cap Value Fund

Columbia Xxxxxxx 21st Century Fund

Columbia Xxxxxxx Focused Equities Fund

Columbia Xxxxxxx Growth Fund

Columbia Xxxxxxx International Opportunities Fund

Columbia Mid Cap Growth Fund

Columbia Small Company Growth Fund

Evergreen VA Diversified Capital Builder Fund

Evergreen VA Fundamental Large Cap Fund

Evergreen VA Growth Fund

Evergreen VA High Income Fund

Evergreen VA International Equity Fund

Evergreen VA Omega Fund

Evergreen VA Special Values Fund

Hartford Advisers HLS Fund

Hartford Capital Appreciation HLS Fund

Hartford Disciplined Equity HLS Fund

Hartford Dividend and Growth HLS Fund

Hartford Equity Income HLS Fund (Eff 3-18-10, this fund is closed to

new money) (Eff 3-19-10, fund will merge into Hartford Value HLS Fund)

Hartford Fundamental Growth Fund

Hartford Global Advisors HLS Fund (Eff 3-18-10, this fund is closed to

new money) (Eff 3-19-10, fund will merge into Hartford Advisors HLS

Fund).

Hartford Global Equity HLS Fund (Eff 3/1/2010, this fund will be

renamed to Hartford Global Research HLS Fund).

Hartford Global Growth HLS Fund

Hartford Global Health HLS Fund (closed to new deposits, eff.

8/16/2004)

Hartford Growth HLS Fund

Hartford Growth Opportunities HLS Fund

Hartford High Yield HLS Fund

Hartford Index HLS Fund

Hartford International Growth HLS Fund

Hartford International Opportunities HLS Fund

Hartford International Small Company HLS Fund

Hartford LargeCap Growth HLS Fund (eff 10-1-09, closed to new money).

(eff 10-2-09, all assets in this fund will be merged into the HLS

Fund).

Hartford MidCap HLS Fund

Hartford Midcap Growth HLS Fund (Eff 3-1-2010, this fund will be

renamed Hartford Small/Mid Cap Equity HLS Fund).

Hartford MidCap Value HLS Fund (closed to new deposits, eff.

8/16/2004)

Hartford Money Market HLS Fund

Hartford Mortgage Securities HLS Fund (ee. 9/29/2008, merged into the

Hartford U.S. Government Securities HLS Fund)

Hartford Small Company HLS Fund

Hartford Small-Cap Growth HLS Fund

Hartford Small Cap Value HLS Fund

Hartford Stock HLS Fund

Hartford Total Return Bond HLS Fund

Hartford US Government Securities HLS Fund

Hartford Value HLS Fund

Hartford Value Opportunities HLS Fund (Eff 3-18-10, this fund will be

closed to new money). (Eff 3-19-10, this fund will be merged into the

Hartford Value HLS Fund).

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: MARCH 31, 0000

Xxxxxxxxxx XX Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

Xxxx Xxxxx Partners Variable All Cap Value Fund

Xxxx Xxxxx Partners Variable Global High Yield Bond Portfolio (Eff

11-18-09, this fund will be renamed to Xxxx Xxxxx Western Asset

Variable Global High Yield Bond Portfolio).

Xxxx Xxxxx Partners Variable Investors Fund (Eff 11-16-09, this fund

will be renamed to Xxxx Xxxxx Clearbridge Variable Investors Portfolio

Xxxx Xxxxx Partners Variable Total Return Fund

Pioneer Fund VCT Portfolio

Pioneer Oak Ridge Large Cap Growth VCT Portfolio (eff 4-23-09, this

fund will hard close. On 4-24-09, any money in this fund will be

transferred via a mass exchange into the Hartford HLS Money Market

Fund).

Pioneer Value VCT Portfolio

Prudential 20/20 Focus Portfolio

Prudential Xxxxxxxx Growth Portfolio

Prudential Value Portfolio

SP Xxxxxxx Xxxxx International Growth Portfolio

UBS Series Trust -- U.S. Allocation Portfolio (Eff 4-23-09, this fund

will hard close. On 4-24-09, any money in this fund will be

transferred via a mass exchange into the Hartford HLS Money Market

Fund).

Victory Diversified Stock Fund

Xxxxx Fargo Advantage VT Asset Allocation Fund

Xxxxx Fargo Advantage VT C&B Large Cap Value Fund

Xxxxx Fargo Advantage VT Discovery Fund

Xxxxx Fargo Advantage VT Equity Income Fund

Xxxxx Fargo Advantage VT International Core Fund

Xxxxx Fargo Advantage VT Large Company Core Fund

Xxxxx Fargo Advantage VT Large Company Growth Fund

Xxxxx Fargo Advantage VT Money Market Fund

Xxxxx Fargo Advantage VT Multi Cap Value Fund

Xxxxx Fargo Advantage VT Opportunity Fund

Xxxxx Fargo Advantage VT Small Cap Growth Fund

Xxxxx Fargo Advantage VT Total Return Bond Fund

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: MARCH 31, 2010

HARTFORD LEADERS VARIABLE ANNUITY SERIES

AIM V.I. Basic Value Fund

AIM V.I. Capital Appreciation Fund

AIM V.I. Capital Development Fund

AIM V.I. Core Equity Fund

AIM V.I. Demographics Trends Fund

AIM V.I. Government Securities Fund

AIM V.I. International Growth Fund

AIM V.I. Large Cap Growth Fund

AIM V.I. Mid Cap Core Equity Fund

AIM V.I. Small Cap Equity Fund

American Funds Assets Allocation Fund

American Funds Blue Chip Income and Growth Fund

American Funds Bond Fund

American Funds Global Bond Fund

American Funds Global Growth and Income Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

American Funds New World Fund

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Franklin Flex Cap Growth Securities Fund

Franklin Global Real Estate Securities Fund (closed to new deposits

eff. 5/1/2002)

Franklin Income Securities Fund

Franklin Large Cap Growth Securities Fund

Franklin Large Cap Value Securities Fund

Franklin Rising Dividends Securities Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

Hartford Money Market HLS Fund

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Global Equity Series

MFS High Income Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Mid-Cap Growth Series

MFS New Discovery Series

MFS Research Bond Series

MFS Research International Series

MFS Research Series

MFS Total Return Series

MFS Value Series

Mutual Discovery Securities Fund

Mutual Shares Securities Fund

Prudential 20/20 Focus Portfolio

Prudential Xxxxxxxx Growth Portfolio

Prudential Value Portfolio

SP Xxxxxxx Xxxxx International Growth Portfolio

Xxxxxxxxx Developing Markets Securities Fund

Xxxxxxxxx Foreign Securities Fund

Xxxxxxxxx Global Asset Allocation Fund (closed to new deposits, eff.

1/24/2003)

Xxxxxxxxx Growth Securities Fund

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2405 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: MARCH 31, 2010

XXXXXX XXXXXXX VARIABLE ANNUITY SERIES

HARTFORD SELECT LEADERS VARIABLE ANNUITY ADDED AS OF JULY 24, 2000

American Funds Global Bond Fund

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Xxxxxx Xxxxxxx Balanced Portfolio

Xxxxxx Xxxxxxx Capital Opportunities Portfolio

Xxxxxx Xxxxxxx Mid Cap Growth

Xxxxxx Xxxxxxx Dividend Growth Portfolio

Xxxxxx Xxxxxxx Equally Weighted S&P 500 Portfolio

Xxxxxx Xxxxxxx Flexible Income Portfolio

Xxxxxx Xxxxxxx Focus Growth Portfolio

Xxxxxx Xxxxxxx Global Equity (Eff 4-23-09, the Xxxxxx Xxxxxxx Global

Equity Portfolio will hard close. Eff 4-24-09, any money will be

transferred mass exchange into the Hartford HLS Money Market Fund or

the Xxxxxx Xxxxxxx Money Market Portfolio).

Xxxxxx Xxxxxxx Capital Growth

Xxxxxx Xxxxxxx Money Market Portfolio

Xxxxxx Xxxxxxx Global Infrastructure Portfolio Eff 11-10-08, (Formerly

Xxxxxx Xxxxxxx Utilities Portfolio).

Mutual Shares Securities Fund

Xxxxxxxxx Developing Markets Securities Fund

Xxxxxxxxx Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF Equity and Income Portfolio

UIF Global Franchise Portfolio

UIF High Yield Portfolio

UIF Small Company Growth Portfolio

UIF U.S. MidCap Value Portfolio

Xxx Xxxxxx LIT Mid Cap Growth Portfolio

Xxx Xxxxxx LIT Xxxxxxxx Portfolio

Xxx Xxxxxx LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard

close, On 4-24-09, any money in this fund will be transferred via a

mass exchange into the Xxxxxx Xxxxxxx Money Market Portfolio).

Xxx Xxxxxx LIT Growth and Income Portfolio

Xxx Xxxxxx LIT Capital Growth Portfolio

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: MARCH 31, 2010

SELECT DIMENSIONS VARIABLE ANNUITY - REPLACED BY SELECT LEADERS 7/24//00

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MPS Investors Trust Series

MFS Total Return Series

Xxxxxx Xxxxxxx Balanced Portfolio

Xxxxxx Xxxxxxx Capital Opportunities Portfolio

Xxxxxx Xxxxxxx Mid Cap Growth

Xxxxxx Xxxxxxx Dividend Growth Portfolio

Xxxxxx Xxxxxxx Equity Weighted S&P 600 Portfolio

Xxxxxx Xxxxxxx Flexible Income Portfolio

Xxxxxx Xxxxxxx Focus Growth Portfolio

Xxxxxx Xxxxxxx Global Equity (Eff 4-23-09, the Xxxxxx Xxxxxxx Global Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Xxxxxx Xxxxxxx Money

Market Portfolio).

Xxxxxx Xxxxxxx Capital Growth

Xxxxxx Xxxxxxx Money Market Portfolio

Xxxxxx Xxxxxxx Global Infrastructure Portfolio Eff 11-10-08, (Formerly Xxxxxx

Slant' Utilities Portfolio).

Mutual Shares Securities Fund

Xxxxxxxxx Developing Markets Securities Fund

Xxxxxxxxx Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF High Yield Portfolio

UIF U.S. MidCap Value Portfolio

Xxx Xxxxxx LIT Enterprise Portfolio (Eff 4-23-09, this Fund will hard close. On

4-24-09, any money in this fund will be transferred via amass exchange into the

Xxxxxx Xxxxxxx Money Market Portfolio).

Xxx Xxxxxx LIT Growth and Income Portfolio

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED XXXXX 0, 0000 XXXXXX RE TIDS: 2104 (HLIC) AND T2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE DATE: XXXXX 00, 0000

XXXXXX HARTFORD CAPITAL MANAGER VARIABLE ANNUITY SERIES

XX Xxxxxx Insurance Trust Mid Cap Value Portfolio. 1

XX Xxxxxx Insurance Trust Core Bond Portfolio 1

XX Xxxxxx Insurance Trust Diversified Equity Portfolio 1 (eff 5-1-09, this fund

will be renamed to XX Xxxxxx Insurance Trust U.S. Equity Portfolio).

XX Xxxxxx Insurance Trust Intrepid Growth Portfolio

XX Xxxxxx Insurance Trust Intrepid Mid Cap Portfolio 1

Xxxx Xxxxx Partners Variable All Cap Value Fund

Xxxx Xxxxx Partners Variable Global High Yield Bond Portfolio (Eff 11-16-09,

this fund will be renamed to Loss Xxxxx Western Asset Variable Global High Yield

Bond Portfolio).

Xxxx Xxxxx Partners Variable Investors Fund (Eff 11-18-09, this fund will be

renamed to Xxxx Xxxxx Clearbridge Variable Investors Portfolio

Xxxx Xxxxx Partners Variable Total Return Fund

Xxxxxx VT American Government income Fund

Xxxxxx VT Capital Appreciation Fund (eff. 2-13-09 - All assets in the Xxxxxx

Capital Appreciation Fund will be merged into the Xxxxxx Investors Fund.)

Xxxxxx VT Capital Opportunities Fund

Xxxxxx VT Discovery Growth Fund (eff. 2-13-09 - All assets in the Xxxxxx

Discovery Growth Fund will be merged into the Xxxxxx New Opportunities

Xxxxxx VT Diversified Income Fund

Xxxxxx VT Equity Income Fund

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Global Equity Fund

Xxxxxx VT Growth and Income (Eff 11-16-09, fund will be reopened in Director M

and Dir M proprietary products.

Xxxxxx VT Growth Opportunities Fund

Xxxxxx VT Health Sciences Fund (eff 2-15-09 - The Xxxxxx VT Health Sciences Fund

Class 1A/1B will be renamed to the Xxxxxx VT Global Health Care Fund Class

1A/1B).

Xxxxxx VT High Yield Fund

Xxxxxx VT Income Fund

Xxxxxx VT International Equity Fund

Xxxxxx VT International Growth and Income Fund (Eff 02-1-10, fund will be

renamed.Xxxxxx X.X.Xxxxxxxxxxxxx Value Fund).

Xxxxxx VT International New Opportunities Fund (Eff 02-1-10, fund will be

renamed Xxxxxx X.X.Xxxxxxxxxxxxx Growth Fund)

Xxxxxx VT Investors Fund

Xxxxxx VT Mid Cap Value Fund

Xxxxxx VT Money Market Fund

Xxxxxx VT New Opportunities Fund

Xxxxxx VT New Value Fund (eff 2-13-09 - All assets in the Xxxxxx New Value Fund

will be merged into the Xxxxxx Equity Income Fund.)

Xxxxxx VT OTC & Emerging Growth Fund (eff 2-13-09 - All assets in the Xxxxxx OTC

& emerging Growth Fund will be merged into the Xxxxxx Vista

Xxxxxx VT Research Fund

Xxxxxx VT Small Cap Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Boston

Xxxxxx VT Utilities Growth and Income Fund (eff 2-15-09, The Xxxxxx VT Utilities

Growth and Income Fund class 1A/1B will be renamed to the Xxxxxx VT Global

Utilities Fund Class 1A/1B).

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager (Eff 11-16-09, fund will be reopened in Director M and Dir M

proprietary products.

AMENDMENT #4

EFFECTIVE JUNE 30, 2010

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

(the "Agreement")

Between

HARTFORD LIFE INSURANCE COMPANY

SIMSBURY, CONNECTICUT

(the "Ceding Company")

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

("MARC")

Agreement Effective Date April 1, 1999

Treaty ID: 2104

The Agreement shall be amended as follows:

Schedule E is hereby replaced in its entirety with the attached Schedule E to

reflect the fund offerings as of June 30, 2010.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Agreement.

TREATY NO. 2104

AMENDMENT NO. 4

In witness whereof, Hartford Life Insurance Company and Munich American

Reassurance Company have, by their respective officers executed and delivered

this amendment in duplicate.

HARTFORD LIFE INSURANCE COMPANY

Title:

Attest Date

MUNICH AMERICAN REASSURANCE COMPANY

Title:

Attest /s/ [ILLEGIBLE] Date

------------------------------

TREATY NO. 2104

AMENDMENT NO. 4

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS. 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS. 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS. 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS. 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS. 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE JUNE 30, 2010

[ILLEGIBLE]

Amendment #5

Effective June 1, 2010

to the

Guaranteed Minimum Death Benefit Reinsurance Agreement

Effective April 1, 1999

(the "Agreement")

between

Hartford Life Insurance Company

(the "Ceding Company")

and

Munich American Reassurance Company

("MARC")

WHEREAS MARC reinsures certain Guaranteed Minimum Death Benefits on policies

written by the Ceding Company; and

WHEREAS the Agreement requires that any changes or modifications to the

Agreement be made by amendment; and

WHEREAS eligible investment funds are listed in Schedule E of the Agreement; and

WHEREAS eligible investment funds change regularly throughout the year: and

WHEREAS the Ceding Company and MARC (collectively, the "Parties") agree that it

is administratively impracticable to revise the Agreement to reflect changes to

Schedule E for all fund changes as they occur; and

WHEREAS the Parties wish to amend Article XVIII of the Agreement to provide for

quarterly amendments to revise Schedule E to reflect the current eligible funds

as of the last day of each quarter.

NOW, THEREFORE for good and valuable consideration, receipt of which is hereby

acknowledged, the Parties hereby agree as follows:

1. The above recitals are true and accurate and are incorporated herein.

2. Article XVIII is deleted in its entirety and replaced with the attached

Article XVIII.

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life Insurance Company & Munich American Reassurance Company

Amendment #5 -- Effective 6/1/2010

3. Except as herein amended, all other terms and conditions of the Agreement

shall remain in full force and effect and unchanged.

In witness of the foregoing, the Parties have, by their respective officers,

executed this Amendment in duplicate on the dates indicated below.

HARTFORD LIFE INSURANCE COMPANY

By: Attest: /s/ [ILLEGIBLE]

----------------------

Name: Name: [ILLEGIBLE]

Title: Title: [ILLEGIBLE]

Date: Date: [ILLEGIBLE]

MUNICH AMERICAN REASSURANCE COMPANY

By: Attest: /s/ Xxxxxxx X. Xxxxxxxx

-----------------------------------

Name: Name: Xxxxxxx X. Xxxxxxxx

Title: Title: 2nd Vice President, Treaty

Date: Date: 9/17/10

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life Insurance Company & Munich American Reassurance Company

Amendment #5 -- Effective 6/1/2010

ARTICLE XVIII

ENTIRE CONTRACT

1. This agreement will constitute the entire agreement between the parties with

respect to the business being reinsured thereunder and there are no

understandings between the parties other than in this agreement.

2. Any changes or modifications to this agreement will be null and void unless

made by amendment and signed by both parties.

3. Notwithstanding the foregoing, any changes or modifications to Schedul E

shall be made as of the last day of each quarter. For the purposes of this

provision, the last day of each quarter shall mean March 31, June 30, September

30 and December 31.

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life Insurance Company & Munich American Reassurance Company

Amendment #5 -- Effective 6/1/2010

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CNA LIFE RE REINSURANCE AGREEMENT EFFECTIVE APRIL 1, 1999 BETWEEN CONTINENTAL ASSURANCE COMPANY AND HARTFORD LIFE INSURANCE COMPANY

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