FIRST AMENDMENT TO PARTICIPATION AGREEMENT Among FRED ALGER & COMPANY, INCORPORATED, THE ALGER AMERICAN FUND And GUARDIAN INSURANCE & ANNUITY COMPANY, INC.

FIRST AMENDMENT TO PARTICIPATION AGREEMENT

Among

XXXX XXXXX & COMPANY, INCORPORATED,

THE XXXXX AMERICAN FUND

And

GUARDIAN INSURANCE & ANNUITY COMPANY, INC.

THIS AMENDMENT is made and entered into as of the 21^st day of June, 2007 between Guardian Insurance & Annuity Company, Inc. (“Company”), and Xxxx Xxxxx & Company, Inc. (“Underwriter”), a Delaware corporation, and The Xxxxx American Fund, a Massachusetts business trust (the “Fund”).

WHEREAS, the parties entered into a Participation Agreement dated August 18, 2000;

WHEREAS, the parties desire to amend the Agreement to include variable annuity policy numbers and sub-account numbers;

NOW, THEREFORE, the parties agree as follows:

1. Schedule A shall be replaced by the attached Schedule A.

2. This Amendment may be executed in counterparts, each of which shall be an original and both of which shall constitute one instrument.

IN WITNESS HEREOF, the parties hereto have executed and delivered this Amendment effective as of the date first written above.

GUARDIAN INSURANCE & ANNUITY COMPANY, INC.						XXXX XXXXX & COMPANY, INCORPORATED
By:		/s/    Xxxxx Xxxxxxx				By:		/s/    Xxx Xxxxxx
Name:		Xxxxx Xxxxxxx				Name:		Xxx Xxxxxx
Title:		Vice President				Title:		Chief Operating Officer
Date:		6/19/07				Date:		6/21/07
						THE XXXXX AMERICAN FUND
						By:		/s/    Xxx Xxxxxx
						Name:		Xxx Xxxxxx
						Title:		Secretary
						Date:		6/21/07

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SCHEDULE A

THE XXXXX AMERICAN FUND:

Xxxxx American Balanced Portfolio

Xxxxx American Growth Portfolio

Xxxxx American Income & Growth Portfolio

Xxxxx American Leveraged AllCap Portfolio

Xxxxx American MidCap Growth Portfolio

Xxxxx American Small Capitalization Portfolio

THE ACCOUNTS:

Separate Accounts

Each Separate Account established by resolution of the Board of Directors of the Company under the insurance laws of the State of Delaware to set aside and invest assets attributable to the Contracts. Currently, those Separate Accounts are as follows:

Guardian Separate Account F, registration numbers 333-119629 811-9965

Guardian Separate Account Q, registration numbers 333-87468 811-21084

Guardian Separate Account F, registration numbers 333-109483 811-21438

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