AUTOMATIC REINSURANCE AGREEMENT between HARTFORD LIFE AND ANNUITY INSURANCE COMPANY Simsbury, Connecticut (hereinafter referred to as the CEDING COMPANY) and AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY New York, New York (hereinafter referred to...

AUTOMATIC REINSURANCE AGREEMENT

between

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

Simsbury, Connecticut

(hereinafter referred to as the CEDING COMPANY)

and

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

New York, New York

(hereinafter referred to as the REINSURER)

EFFECTIVE OCTOBER 1, 2000

THIS AGREEMENT WILL BE REFERRED TO AS AGREEMENT NO. 2000-25

CONTENTS

ARTICLES PAGE

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

I. Scope of Agreement 3

II. Commencement and Termination of Liability 4

III. Oversights and Clerical Errors 5

IV. Net Amount at Risk 6

V. Reinsurance Premiums 7

VI. Reinsurance Administration 8

VII. Settlement of Claims 9-10

VIII. Reinsurance Credit 11

IX. Recapture Privileges 12

X. Inspection of Records 13

XI. Insolvency 14

XII. Negotiation 15

XIII. Arbitration 16

XIV. Right to Offset Balances Due 17

XV. Contract and Program Changes 18

XVI. Confidentiality 19

XVII. Miscellaneous 20

XVIII. Severability 21

XIX. DAC Tax 22

XX. Duration of Agreement 23

XXI. Execution of Agreement 24

SCHEDULES

A. Plans of Reinsurance

B. Investment Funds

C. Data Layout

EXHIBITS

I. 1994 Variable Annuity MGDB Mortality Table

II. Reinsurance Premiums

III. Benefit Limitation Rule

IV. Confidentiality and Non-Disclosure Agreement

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

All provisions of this Agreement are subject to the laws of the State of

Delaware.

ARTICLE I

SCOPE OF AGREEMENT

A. On and after the 1st day of October 2000, the CEDING COMPANY shall

automatically reinsure with the REINSURER and the REINSURER shall automatically

accept, a quota-share percentage (defined in Schedule A) of the mortality net

amount at risk (MNAR) as defined in Article IV, generated prior to termination

(defined in Article II), by the Guaranteed Minimum Death Benefit provisions

within the variable annuity contracts issued by the CEDING COMPANY as set forth

in Schedule A.

B. [REDACTED]

C. [REDACTED]

D. [REDACTED]

E. This Agreement covers only the CEDING COMPANY's contractual liability for

claims paid under variable annuity contract forms specified in Schedule A and

supported by investment funds specified in Schedule B as it may be amended from

time to time, that were submitted to the REINSURER prior to their issuance.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE II

COMMENCEMENT AND TERMINATION OF LIABILITY

A. On reinsurance ceded under the terms of this Agreement, the liability of the

REINSURER shall commence simultaneously with that of the CEDING COMPANY. The

liability under this Agreement will terminate either:

1. in accordance with the Duration of Agreement provisions of this Agreement as

stated in Article XX; or,

2. for an individual contract, upon the earliest of the following occurrences

defined in the contract(s) reinsured hereunder:

a. the date the owner elects to annuitize

b. surrender or termination of the contract

c. the CEDING COMPANY's receipt of due proof of death of a single owner

or annuitant where such death triggers the payment of a contractual

death benefit, except when spousal continuance has been elected. On

spousal continuance election the REINSURER's liability will be

terminated upon death of the continuing spouse;

d. attainment of the maximum annuity commencement date (as described in

the contract forms shown in Schedule A), not to exceed age 105.

3. for an individual contract, reinsurance coverage will cease on the first day

of the month following a withdrawal that causes the Account Value of the

contract to fall below four-thousand- dollars ($4,000). Once reinsurance

coverage ends for a specific contract, it cannot be reinstated under this

Agreement.

B. The REINSURER shall be liable to reimburse claims only on those deaths where

the actual date of death is on or after October 1, 2000, in accordance with

Article VII.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE III

OVERSIGHTS AND CLERICAL ERRORS

A. Should either the CEDING COMPANY or the REINSURER fail to comply with any of

the terms of this Agreement, and if this is shown to be unintentional and the

result of a misunderstanding, oversight or clerical error on the part of either

the CEDING COMPANY or the REINSURER, then this Agreement shall not be deemed

abrogated thereby, but both companies shall be restored to the positions they

would have occupied had no such oversight, misunderstanding or clerical error

occurred. Such conditions are to be reported promptly after discovery and

corrected within an agreed upon time frame.

B. If the CEDING COMPANY or the REINSURER discovers that the CEDING COMPANY did

not cede reinsurance on a contract it should have reinsured under this

Agreement, the CEDING COMPANY will take reasonable and necessary steps to ensure

that similar oversights do not recur. Then this Agreement shall not be deemed

abrogated thereby, but both companies shall be restored to the positions they

would have occupied had the CEDING COMPANY ceded such reinsurance at the

original date. If the REINSURER receives no evidence that the CEDING COMPANY has

taken action to remedy such a situation, the REINSURER reserves the right to

limit its liability to reported contracts only.

C. Any negligent or deliberate acts or omissions by the CEDING COMPANY

regarding the insurance or reinsurance provided are the responsibility of the

CEDING COMPANY and its liability insurer, if any, but not that of the REINSURER.

The previous sentence does not negate the REINSURER's liability under Article

VII, Settlement of Claims, of this Agreement.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE IV

NET AMOUNT AT RISK

[REDACTED]

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE V

REINSURANCE PREMIUMS

A. The reinsurance premium is a monthly YRT rate which is applied to the

REINSURER's quota-share of the average MNAR over the reporting period on a

contract-by-contract basis, and is equal to one-twelfth (1/12th) of one-hundred

percent (100%) of the 1994 Variable Annuity MGDB Mortality Table (Exhibit I)

which is the 1994 GAM Basic Table increased by ten percent (10%) for margins and

contingencies, without projection. The reinsurance premium is subject to minimum

and maximum asset-based premium rate levels that vary by age at issue or at the

time the Optional Death Benefit (ODB) is elected. ODB elections that occur post

issue date, shall be reinsured hereunder only if this Agreement is open for New

Business at the time of election. Further, for ODB elections issue age is

understood to mean attained age at election.

B. The minimum and maximum asset-based premium rates shall be applied to the

greater of the average aggregate GMDB value and the average aggregate account

value in force over the reporting period multiplied by the quota-share

percentage reinsured by the REINSURER, subject to the maximum MNAR cap set forth

in Article IV. The reporting period shall be monthly.

C. [REDACTED]

D. The annualized reinsurance premium rates are shown in Exhibit II and are

expressed in terms of basis points. In practice, they shall be applied on a

monthly basis by utilizing one-twelfth (1/12th) of the annualized rates.

E. The YRT rate and the minimum/maximum asset-based premium rates shall be

based on the oldest person of a multiple life status.

F. The monthly reinsurance premium shall be due and payable as described in

Article VI.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE VI

REINSURANCE ADMINISTRATION

A. Within thirty (30) days of the end of each calendar month, the CEDING

COMPANY will furnish the REINSURER with a seriatim electronic report as detailed

in Schedule C, for each contract specified in Schedule A, valued as of the last

day of that month.

B. Additionally, within thirty (30) days of the end of each calendar month, the

CEDING COMPANY will furnish the REINSURER with a separate report summarizing the

following:

1. Reinsurance premiums due the REINSURER separate for each premium class as

shown in Exhibit II

2. Benefit claim reimbursements due the CEDING COMPANY in total and split by

VNAR and SCNAR

C. If the net balance is due to the REINSURER, the amount due shall be remitted

with the report statement. If the net balance is due to the CEDING COMPANY, the

REINSURER shall remit the amount to the CEDING COMPANY within ten (10) days of

receipt of the report.

D. Furthermore, the REINSURER will use the summary data in Schedule C to

calculate and monitor its maximum annual aggregate VNAR liability throughout the

calendar year. Upon the receipt of the final report for the calendar year, the

REINSURER will "true-up" benefit claim reimbursements, if necessary, from the

prior calendar year.

E. Other

1. The REINSURER and the CEDING COMPANY reserve the right to charge interest on

the net balance if (a) below occurs. The REINSURER reserves the right to charge

interest on the net balance if (b) below occurs. Such interest shall be based on

the ninety (90) day Federal Government Treasury Xxxx as first published by the

Wall Street Journal in the month following the end of the billing period plus

fifty (50) basis points. The method of calculation shall be simple interest

(360-day year).

(a) the net balance due the REINSURER or the CEDING COMPANY is not paid

within sixty (60) days of the due date shown on the statement

(b) the premiums for first year business are not paid within

one-hundred-eighty (180) days of the effective date of the contract

2. The party to whom the net balance is owed will have the right to terminate

this Agreement when net balance payments are not paid for one-hundred-eighty

(180) days from the effective date of the policy for new business or anniversary

date for renewals, by giving ninety (90) days written notice of termination to

the other party. As of the close of the last day of this ninety (90) day notice

period, the REINSURER's liability for all risks reinsured associated with the

defaulted payments under this Agreement will terminate. The first day of the

ninety (90) day notice of termination will be the day the notice is received in

the mail by the party in default or if the mail is not used, the day it is

delivered to the party in default. If all premiums in default are received

within the ninety (90) day time period, the Agreement will remain in effect.

3. Payments between the CEDING COMPANY and the REINSURER may be paid net of any

amount due and unpaid under this Agreement.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE VII

SETTLEMENT OF CLAIMS

A. The claims, calculated as set forth in Article IV, that are eligible for

reimbursement are only those that the CEDING COMPANY is contractually required

to pay on deaths that occur on or after the Effective Date of this Agreement and

subject to benefit limitations as described in Article I.

B. In the event the CEDING COMPANY provides satisfactory proof of claim

liability to the REINSURER, claim settlements made by the CEDING COMPANY shall

be unconditionally binding on the REINSURER. In every case of claim, copies of

the proofs obtained by the CEDING COMPANY will be taken by the REINSURER as

sufficient.

C. Within thirty (30) days of the end of each calendar month, the CEDING

COMPANY shall notify the REINSURER of the reinsured contractual death benefits

paid in that month, based on the net amount at risk definition set forth in

Article IV, and the REINSURER shall reimburse the CEDING COMPANY, as provided in

Article VI, for the reinsured benefits.

D. Settlements by the REINSURER shall be in a lump sum regardless of the mode

of payment made by the CEDING COMPANY.

E. In no event will the REINSURER 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 insurance reinsured under this Agreement. The REINSURER

shall, however, pay its share of statutory penalties awarded against the CEDING

COMPANY in connection with insurance reinsured under this Agreement if the

REINSURER elected to join in the contest of the coverage in question.

The parties recognize that circumstances may arise in which equity would require

the REINSURER, to the extent permitted by law, to share proportionately in

certain assessed situations in which the REINSURER was an active party and

directed, consented to, or ratified the act, omission or course of conduct of

the CEDING COMPANY which ultimately resulted in the assessment of the

extra-contractual damages, other than statutory damages. In such situations, the

REINSURER and the CEDING COMPANY shall share such damages so assessed, in

equitable proportions. For the purposes of this provision, the following

definitions will apply:

- "PUNITIVE DAMAGES" are those damages awarded as a penalty, the amount

of which is neither governed nor fixed by statute

- "STATUTORY PENALTIES" are those amounts awarded as a penalty, but

fixed in amount by statute

- "COMPENSATORY DAMAGES" are those amounts awarded to compensate for

the actual damages sustained and are not awarded as a penalty, nor

fixed in amount by statute

If the REINSURER declines to be party to the contest, compromise, or litigation

of a claim, it will pay its full share of the amount reinsured, as if there had

been no contest, compromise, or litigation, and its proportionate share of

covered expenses incurred to the date it notifies the CEDING COMPANY it declines

to be a party.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE VII - SETTLEMENT OF CLAIMS

(continued)

F. In no event will the REINSURER be liable for expenses incurred in connection

with a dispute or contest arising out of conflicting or any other claims of

entitlement to contract proceeds or benefits, provided the REINSURER makes

payment of the amount of reinsurance to the CEDING COMPANY, as described in the

above paragraph.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE VIII

REINSURANCE CREDIT

It is the intention of both the REINSURER and the CEDING COMPANY that the CEDING

COMPANY qualify for reinsurance credit in all States for reinsurance ceded

hereunder. The REINSURER, at its sole cost and expense, shall do all that is

necessary to comply with the insurance laws and regulations of all States in

order to enable the CEDING COMPANY to take credit for the reinsurance ceded

hereunder, including, but not limited to, the purchase of a letter of credit and

the delivery of any reports required thereunder.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE IX

RECAPTURE PRIVILEGES

The CEDING COMPANY may recapture existing reinsurance in force in accordance

with the following rules:

A. The CEDING COMPANY will notify the REINSURER of its intent to recapture at

least ninety (90) days prior to any recaptures.

B. No recapture will be made unless reinsurance has been in force for fifteen

(15) years.

C. Recapture will only be available provided the total carry-forward, upon the

release of reserves, is in a positive position. The total carry-forward is

defined as the sum of the carry-forwards of this Agreement and the complementary

GMIB Agreement, if any, that reinsures the same related contracts.

D. The carry-forward for each Agreement is defined as the current period's

reinsurance premium, minus all reinsurance claims paid under this Agreement,

minus a two-and-one-half (2.5) basis point annual expense allowance applied

against the average aggregate Account Value, minus the change in treaty

reserves, plus last period's loss carry-forward. The carry-forward amount is

accumulated at the ninety (90) day Federal Government Treasury Xxxx rate as

published in the Wall Street Journal on the first business day of the current

period plus two percent (2%).

E. Upon election, recapture shall occur ratably over a thirty-six (36) month

period (i.e., the initial quota-share percentage reduces 2.78% times the initial

quota-share percentage each month). It is irrevocable once elected.

F. It is the responsibility of the REINSURER to determine the carry-forward,

based on the method described above.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE X

INSPECTION OF RECORDS

A. The REINSURER, or its duly appointed representatives, shall have the right

at all reasonable times and for any reasonable purpose to inspect at the office

of the CEDING COMPANY all records referring to reinsurance ceded to the

REINSURER.

B. Relating to the business reinsured hereunder, the CEDING COMPANY or its duly

appointed representatives shall have the right at all reasonable times and for

any reasonable purpose, to inspect at the office of the REINSURER all records

referring to reinsurance ceded from the CEDING COMPANY.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XI

INSOLVENCY

A. In the event of the insolvency of the CEDING COMPANY, all reinsurance will

be payable on the basis of the liability of the CEDING COMPANY on the policies

reinsured directly to the CEDING COMPANY or its liquidator, receiver or

statutory successor without diminution because of the insolvency of the CEDING

COMPANY.

B. In the event of insolvency of the CEDING COMPANY, the liquidator, receiver

or statutory successor will, within a reasonable time after the claim is filed

in the insolvency proceeding, give written notice to the REINSURER of all

pending claims against the CEDING COMPANY or any contracts reinsured. While a

claim is pending, the REINSURER may investigate and interpose, at its own

expense, in the proceedings where the claim is adjudicated, any defense or

defenses which it may deem available to the CEDING COMPANY or its liquidator,

receiver or statutory successor. The expenses incurred by the REINSURER will be

chargeable, subject to court approval, against the CEDING COMPANY as part of the

expense of liquidation to the extent of a proportionate share of the benefit

which may accrue to the CEDING COMPANY solely as a result of the defense

undertaken by the REINSURER. Where two or more reinsurers are participating in

the same claim and a majority in interest elect to interpose a defense or

defenses to any such claim, the expenses will be apportioned in accordance with

the terms of the Reinsurance Agreement as though such expense had been incurred

by the CEDING COMPANY.

C. Any debts or credits, matured or unmatured, liquidated or unliquidated, in

favor of or against either the REINSURER or CEDING COMPANY with respect to this

Agreement are deemed mutual debts or credits, as the case may be, and will be

offset, and only the balance will be allowed or paid. However, in the event of

liquidation, the REINSURER may offset against undisputed amounts which are due

and payable to the CEDING COMPANY, only those undisputed amounts due the

REINSURER which are not more than one-hundred-eighty (180) days past due at the

date of the court order of liquidation.

D. In the event of insolvency of the REINSURER, the CEDING COMPANY may

recapture immediately all ceded benefits upon written notice to the REINSURER,

its liquidator, receiver or statutory successor. The CEDING COMPANY shall also

have a claim on the REINSURER for any reinsurance credit amounts including

reserves, unearned premiums and other amounts due the CEDING COMPANY on such

reinsurance, at the date of recapture.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XII

NEGOTIATION

A. Within ten (10) days after one of the parties has given the other the first

written notification of a specific dispute, each party will appoint a designated

officer to attempt to resolve the dispute. The officers will meet at a mutually

agreeable location as early as possible and as often as necessary, in order to

gather and furnish the other with all appropriate and relevant information

concerning the dispute. The officers will discuss the problem and will negotiate

in good faith without the necessity of any formal arbitration proceedings.

During the negotiation process, all reasonable requests made by one officer to

the other for information will be honored. The specific format for such

discussions will be decided by the designated officers.

B. If the officers cannot resolve the dispute within thirty (30) days of their

first meeting, the parties will agree to submit the dispute to formal

arbitration. However, the parties may agree in writing to extend the negotiation

period for an additional thirty (30) days.

Hartford ;Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XIII

ARBITRATION

A. It is the intention of the CEDING COMPANY and the REINSURER 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 after the negotiation

required by Article XII, the REINSURER or the CEDING COMPANY cannot mutually

resolve a dispute that arises out of or relates to this Agreement, the dispute

will be decided through arbitration. 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 of their

decision, and any court having jurisdiction of the subject matter and the

parties, may reduce that decision to judgement.

B. To initiate arbitration, either the REINSURER or the CEDING COMPANY will

notify the other party in writing of its desire to arbitrate, stating the nature

of its dispute and the remedy sought. The party to which the notice is sent will

respond to the notification in writing within ten (10) days of its receipt.

C. There will be three arbitrators who will be current or former officers of

life insurance companies other than the contracting companies or affiliates

thereof. Each of the contracting companies will appoint one of the arbitrators

and these two arbitrators will select the third. If either party refuses or

neglects to appoint an arbitrator within thirty (30) days, the other party may

appoint the second arbitrator. If the two arbitrators do not agree on a third

arbitrator within thirty (30) days of their appointment, then the appointment of

said arbitrator will be left to the President of the American Arbitration

Association. Once chosen, the arbitrators are empowered to decide all

substantive and procedural issues by majority of votes.

D. It is agreed that each of the three arbitrators should be impartial regarding

the dispute and should resolve the dispute on the basis described in Section A

of this Article.

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

New York City. In no event will this date be later than three (3) months after

the appointment of the third arbitrator. As soon as possible, the arbitrators

will establish pre-arbitration procedures as warranted by the facts and issues

of the particular case. At least ten (10) days prior to the arbitration hearing,

each party will provide the other party and the arbitrators with a detailed

statement of the facts and arguments they 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. Each party may examine any witnesses who

testify at the arbitration hearing.

F. The cost of arbitration will be divided between the parties, unless the

arbitrators decide otherwise.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XIV

RIGHT TO OFFSET BALANCES DUE

The CEDING COMPANY and the REINSURER shall have, and may exercise at any time,

the right to offset any balance or balances due one party to the other, its

successors or assignees, against balances due to the other party under this

Agreement provided such amounts are not in dispute in accordance with Article

VI. This right of offset shall not be affected or diminished because of the

insolvency of either party to this Agreement.

Hartford Life, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XV

CONTRACT AND PROGRAM CHANGES

A. The CEDING COMPANY may amend, substitute, add or delete variable investment

funds to the investment options supporting the annuity contract as described in

the contract general provisions. No such change will be made by the CEDING

COMPANY without prior notification to the REINSURER and without the prior

approval of the Securities and Exchange Commission, if necessary. The CEDING

COMPANY agrees to maintain at all times a satisfactory selection of core

investment options with characteristics similar to those listed in Schedule B.

B. The CEDING COMPANY shall also give the REINSURER advance notice of any other

changes to its annuity product design and/or death benefit design, its contract

level and fund level fees and charges, its distribution systems and/or methods,

or the addition of any riders to any contract forms reinsured hereunder.

C. Should any such change, as stated above, result in a material change in the

underlying risk, the REINSURER shall have the right to modify, for that product

line only, the premium rates by an amount which would reflect the change(s) made

to the contracts in order to restore the REINSURER to its original position. In

the event that reconciliation cannot be addressed via a change in premiums,

changes in other areas may be required and will be subject to mutual agreement.

D. The reinsurance premium structure described above shall remain in effect as

long as the death benefit design, contract fees, mortality and expense charges,

administration fees and contingent deferred sales charges in effect at the

inception of this Agreement remain unchanged.

E. The CEDING COMPANY agrees to provide the REINSURER with all contractholder

communications as though the REINSURER were a contractholder in the State of

Delaware. Such communication includes any items required to be submitted by the

Securities and Exchange Commission or the State of Delaware including but not

limited to the prospectus and any supplements thereto.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XVI

CONFIDENTIALITY

A. This Agreement incorporates the confidentiality agreement previously agreed

to between the parties on October 14, 1998 (the "Confidentiality Agreement") a

copy of which is attached hereto as Exhibit IV and hereby incorporated herein.

All matters with respect to this Agreement require the utmost good faith of both

parties. Both the CEDING COMPANY and the REINSURER shall, in accordance with the

terms of the Confidentiality Agreement, hold confidential and not disclose or

make competitive use of any shared Confidential Information of the other party

(as such term is defined in the Confidentiality Agreement) unless otherwise

agreed to in writing, or unless the information otherwise becomes publicly

available other than through the fault of the other party of its agents) by

means other than by either party or their agents, or unless the disclose is

required for retrocession purposes, has been mandated by law, or is duly

required by external auditors.

B. The CEDING COMPANY and the REINSURER agree that all facts or information

received by any party related to a contract owner shall remain confidential,

unless such facts or information is required to be disclosed by any regulatory

authority or court of competent jurisdiction.

For purposes of this Agreement, Personal Information means financial and medical

information that identifies an individual personally and is not available to the

public, including, but not limited to, credit history, income, financial

benefits, policy or claim information and medical records.

All parties agree to use and disclose Personal Information only to carry out the

purposes for which it was disclosed to them and will not use or disclose

Personal Information if prohibited by applicable law, including, without

limitation, statutes and regulations enacted pursuant to the Xxxxx-Xxxxx-Xxxxxx

Act (Public Law 106-102). If any party hereto outsources services to a third

party, such third party will agree in writing to maintain the security and

confidentiality of any information shared with them.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XVII

MISCELLANEOUS

A. This Agreement shall constitute the entire Agreement between the parties

with respect to business reinsured hereunder. There is no understanding between

the parties other than as expressed in this Agreement and any change or

modification of this Agreement shall be null and void unless made by Amendment

to the Agreement and signed by both parties.

B. Any notice or communication given pursuant to this Reinsurance Agreement

must be in writing and 1) delivered personally, 2) sent by facsimile or other

similar transmission to a number specified in writing by the recipient, 3)

delivered by overnight express, or 4) sent by Registered or Certified Mail,

Postage Prepaid, Return Receipt Requested, as follows:

If to CEDING COMPANY: Hartford Life and Annuity Insurance Company

000 Xxxxxxxxx Xxxxxx

Xxxxxxxx, XX 00000

Attn: Corporate Actuary

With a copy to: Attn: General Counsel

If to the REINSURER: AXA Corporate Solutions Life Reinsurance Company

00 Xxxxx Xxxxxx, 00xx Xxxxx

Xxx Xxxx XX 00000

Attn: Life Reinsurance Treaty Officer

All notices and other communications required or permitted under this

Reinsurance Agreement that are addressed as provided in this Section will 1) if

delivered personally or by overnight express, be deemed given upon delivery; 2)

if delivered by facsimile transmission or other similar transmission, be deemed

given when electronically confirmed, and 3) if sent by Registered or Certified

mail, be deemed given when marked Postage Prepaid by the sender's terminal. Any

party from time-to-time may change its address, but no such notice of change

will be deemed to have been given until it is actually received by the party

sought to be charged with the contents thereof.

C. This Agreement shall be binding to the parties and their respective

successors and permitted assignees. This Agreement may not be assigned by either

party without the written consent of the other. This Agreement may be modified

or amended only by an Amendment duly executed and delivered on behalf of each

party by its respective duly authorized officers.

D. This Agreement is an indemnity reinsurance agreement solely between the

CEDING COMPANY and the REINSURER. The acceptance of reinsurance hereunder shall

not create any right or legal relation whatever between the REINSURER and the

annuitant, owner, beneficiary or any other party under any contracts of the

CEDING COMPANY which may be reinsured hereunder; the CEDING COMPANY shall be and

remain solely liable to such parties under such contracts reinsured hereunder.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XVIII

SEVERABILITY

If any provision of this Agreement is determined to be invalid or unenforceable,

such determination will not affect or impair the validity or the enforceability

of the remaining provisions of this Agreement.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XIX

DAC TAX

TREASURY REGULATION SECTION 1.848-2(G)(8) ELECTION

The CEDING COMPANY and the REINSURER hereby agree to the following pursuant to

the Section 1.848-2(g)(8) of the Income Tax Regulations issued December 29,

1992, under Section 848 of the Internal Revenue Code 1986, as amended. This

election shall be effective for 1999 and all subsequent taxable years for which

this Agreement remains in effect.

A. The term "party" will refer to either the CEDING COMPANY or the REINSURER as

appropriate.

B. The terms used in this Article are defined by reference to Treasury

Regulations Section 1.848-2 in effect as of December 29, 1992.

C. The party with the net positive consideration for this Agreement for each

taxable year will capitalize specified policy acquisition expenses with respect

to this Agreement without regard to the general deduction limitation of IRC

Section 848(c)(1).

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

consideration under this Agreement each year to ensure consistency. The parties

also agree to exchange information, which may be otherwise required by the IRS.

E. The CEDING COMPANY will submit to the REINSURER by April 1st of each year, a

schedule of its calculation of the net consideration for the preceding calendar

year. This schedule will be accompanied by a statement signed by an officer of

the CEDING COMPANY stating that the CEDING COMPANY will report such net

consideration in its tax return for the preceding calendar year.

F. The REINSURER may contest such calculation by providing an alternate

calculation to the CEDING COMPANY in writing within thirty (30) days of the

REINSURER's receipt of the CEDING COMPANY's calculation. If the REINSURER does

not notify the CEDING COMPANY, the REINSURER will report the net consideration

as determined by the CEDING COMPANY in the REINSURER's tax return for the

previous calendar year.

G. If the REINSURER contests the CEDING COMPANY's calculation of the net

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

the correct amount within thirty (30) days of the date the REINSURER submits its

alternate calculation. If the REINSURER and CEDING COMPANY reach agreement on an

amount of net consideration, each party shall report such amount in their

respective tax returns for the previous calendar year.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XX

DURATION OF AGREEMENT

A. This Agreement shall be unlimited as to its duration but may be reduced or

terminated as provided in this Article, below.

B. This Agreement shall be open for new business for a minimum of two (2) years

as measured from the Effective Date of this Agreement subject to a limit of

three-billion dollars ($3,000,000,000) of total new considerations to the CEDING

COMPANY divided by the quota-share percentage as described in Schedule A. Any

time on or after the second anniversary of this Agreement, and upon

one-hundred-eighty (180) days written notice, or anytime on or after attainment

of three-billion dollars ($3,000,000,000) of total new considerations, and upon

sixty (60) days' written notice, either the CEDING COMPANY or the REINSURER may

cancel this Agreement for new business unilaterally or amend the terms of

reinsurance for new business by mutual agreement. The facility may be renewed

thereafter, subject to mutually accepted terms.

C. The terms of this Agreement may be altered due to the actual insolvency

(either party is in the liquidation process) of the REINSURER or the CEDING

COMPANY.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

ARTICLE XXI

EXECUTION OF AGREEMENT

This Agreement may be executed by the parties in separate counterparts, each of

which when so executed and delivered shall be an original, but all such

counterparts together shall constitute one and the same instrument. Each

counterpart may consist of a number of copies hereof signed by less than both,

but together signed by both of the parties hereto.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed

in duplicate by their duly authorized representatives as of October 1, 2000.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: December 12, 2001

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

Xxxxxxx X. Xxxx, Vice President

Attest: /s/ Xxxxxx X. Xxxxxxxx

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

Xxxxxx X. Xxxxxxxx, Assistant Actuary

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: 03 December, 2001

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

Xxxxxxx X. Xxxx, President

By: /s/ Xxxxx XxXxx

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

Xxxxx XxXxx, Vice President

Attest: /s/ Xxxxx Xxxxxxx

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

Xxxxx Xxxxxxx, Assistant Vice President

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE A

PLANS OF REINSURANCE

A. [REDACTED]

B. Issue Dates:

Policies issued on or after October 1, 2000

C. Related Contracts -- For all States where approved

Variable Annuity Policy Forms: LA-VA00 and any state variations

Optional Death Benefit Rider Forms: LA-VA99OPTDB-00

D. GMDB Reinsured

- Basic Benefit for issue ages 0-79: Maximum Anniversary Value is the highest

Contract Anniversary Value prior to the deceased's death and 81st birthday

increased by premiums and reduced by gross partial surrenders since that

anniversary. Note: The maximum Anniversary Value will be reduced by any

Payment Enhancements credited in the 12 months prior to the date of

calculation of the death benefit.

- Basic Benefit for issue ages 80-90: 100% premiums minus gross partial

surrenders.

- Optional Enhanced Benefit for issue ages 0-75: Greater of the Basic Benefit

and 5% Roll-up of premium to deceased's death or 81st birthday, reduced by

partial surrender adjustments, subject to a cap of 200% of premiums less

partial surrender adjustments. On or after the 81st birthday, the Roll up

amount is increased by premiums and reduced by any partial surrender

adjustments.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE B

INVESTMENT FUNDS

THE DIRECTOR OUTLOOK VARIABLE ANNUITIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

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 Opportunities Fund

Hartford Dividend and Growth Fund

Hartford International Advisers Fund Now known as Name change 5/1/01

Hartford Global Advisers Fund

Hartford MidCap Fund (closed to new money 6/29/01)

Hartford Small Company Fund

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Hartford Global Health

Hartford Global Technology

Hartford MidCap Value Fund

Hartford International Capital Appreciation Fund 5/1/01

Hartford International Small Company Fund 5/1/01

Hartford Value Fund 5/1/01

Hartford Global Financial Services Fund 5/1/01

Hartford Global Communications Fund 5/1/01

Hartford Focus Fund 5/1/01

Amsouth Equity Income Fund 5/1/01

Amsouth Select Equity Fund 5/1/01

Amsouth Capital Growth Fund 5/1/01

Nations Asset Allocation Fund 5/1/01

Nations Xxxxxxx 21stCentury Fund 5/1/01

Nations Xxxxxxx International Oportunities Fund 5/1/01

Nations Capital Growth Fund 5/1/01

Nations Small Company Fund 5/1/01

Nations Value Fund 5/1/01

Nations Marisco Growth and Income Fund 5/1/01

Nations Marisco Focused Equities Fund 5/1/01

Nations High Yield 5/1/01

Nations International Value Fund 5/1/01

AIM VI Capital Appreciation Fund 5/1/01

AIM VI High Yield Fund 5/1/01

AIM VI Value Fund 5/1/01

Evergreen Omega Fund 3/6/00

</Table>

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

THE DIRECTOR OUTLOOK VARIABLE ANNUITIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

Evergreen Special Equity Fund

Evergreen Foundation Fund

Evergreen Perpetual International Fund

Evergreen Capital Growth Fund

Evergreen Growth Fund

First American International Portfolio 1/29/01

First American Large Cap Growth Portfolio 1/29/01

First American Technology Portfolio 1/29/01

Prudential 20/20 Focus Fund 3/1/01

Prudential Xxxxxxxx Growth Fund 3/1/01

Prudential Xxxxxxxx International Growth Fund 3/1/01

Prudential Value Fund 3/1/01

</Table>

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

XXXXXX HARTFORD CAPITAL ACCESS II VARIABLE ANNUITIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

Xxxxxx VT American Government Income

Xxxxxx VT Asia Pacific Growth Fund

Xxxxxx VT Capital Appreciation Fund Added 11/1/00

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 Growth Opportunities

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 Technology Fund Added 7/17/00

Xxxxxx VT Utilities Growth and Income Fund

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

Xxxxxx VT Voyager II Fund Added 11/1/00

</Table>

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

THE LEADERS OUTLOOK VARIABLE ANNUITY

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

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

American Funds Blue Chip Income and Growth Fund 7/5/01

Franklin Real Estate Fund

Franklin Small Cap Fund

Franklin Strategic Income Securities Fund

Mutual Shares Securities Fund

Templeton Asset Strategy Fund

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

Xxxxxxxxx International Securities Fund

Franklin Technology Securities Fund

Hartford Money Market Fund

MFS Capital Opportunities Series Fund

MFS Emerging Growth Series Fund

MFS Global Equity Series Fund

MFS Growth Series Fund Now MFS Investors Growth Stock Series Fund as of

5/1/01

MFS Growth with Income Series Fund Now MFS Investors Trust Series Fund as of 5/1/01

MFS High Income Series Fund

MFS Mid Cap Growth Series Fund

MFS New Discovery Series Fund

MFS Total Return Series Fund

Prudential 20/20 Focus Fund 3/1/01

Prudential Xxxxxxxx Growth Fund 3/1/01

Prudential Xxxxxxxx International Growth Fund 3/1/01

Prudential Value Fund 3/1/01

</Table>

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE C

SUGGESTED DATA LAYOUT

<Table>

FIELD DESCRIPTION COMMENTS

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

Annuitant's ID: Last Name

First Name

Middle Name

Sex M or F

Date of Birth YYYYMMDD

Social Security

No./Social Insurance No.

Joint Annuitant's ID: Last Name If Applicable

First Name

Middle Name

Sex M or F

Date of Birth YYYYMMDD

Social Security

No./Social Insurance No.

Owner's ID: Last Name

First Name

Middle Name

Sex M or F

Date of Birth YYYYMMDD

Social Security

No./Social Insurance No.

Joint Owner's ID: Last Name If Applicable

First Name

Middle Name

Sex M or F

Date of Birth YYYYMMDD

Social Security

No./Social Insurance No.

Policy Number

Policy Issue Date YYYYMMDD

Policy Issue Status NI=True New Issue,

SC=Spousal

Continuance,EX=1035

Exchange

Tax Status Qualified (Q), or

Non-qualified (N)

</Table>

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE C

(CONTINUED)

SUGGESTED DATA LAYOUT

<Table>

FIELD DESCRIPTION COMMENTS

<S> <C>

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

GMDB / EDB SECTION (if

applicable)

Mortailtiy Risk Definition AV = VNAR; CV = VNAR + SCNAR

Indicator

Death Claim Trigger A = Annuitant, O = Owner, 1 = 1st

to die, 2 = 2nd to die (e.g., A2 -

payable upon death of second of

joint annuitants)

Current Ratchet Value If Applicable

Current Reset Value If Applicable

Current Rollup Value If Applicable

Current Return of Premium If Applicable

Value

Minimum Guaranteed Death

Benefit

Contract Death Benefit Greater of Account Value and

Minimum Guaranteed Death Benefit

Effective Date of the Rider YYYYMMDD

Account Value as of the

Effective Date of the Rider

</Table>

Mortality Riskd VNAR Max [Contractual Death Benefit - Account

Value), 0]

SCNAR Surrender Charge, if applicable

EDBNAR [Max ([ILLEGIBLE]) - Max ([ILLEGIBLE])]

Gain In dollar amount

Gain Percentage 25%, 40%

Gain Cap as defined in the rider

Quota Share Cohort 01=1st month, 02=2nd, etc...

Quota Share % Percentage reinsured

Payment enhancements credited $ amount of rolling 12-month total

within 12 months of any payment enhancements, if

applicable

GMIB SECTION (if applicable)

GMIB indicator Y = benefit elected, N = benefit

not elected, NA = not applicable

Income Benefit Elected 01 = option 1, 02 = option 2, etc.

Expiration of Waiting Period YYYYMMDD

GMIB Annuitization Date YYYYMMDD - actual date

Most Recent GMIB Step-up / YYYYMMDD, if applicable

Reset Date

Cancellation Date YYYYMMDD, if applicable

Pricing Cohort Indicator

IBB Amount

GMIB IBNAR Amount Calculated using an individual life

annuity form with 10 years certain

Treasury Rate Used in IBNAR calculation

GMAB SECTION (if applicable)

GMAB Indicator Y = benefit elected, N = benefit

not elected, NA = not applicable

Accumulation Benefit Elected 01 = option 1, 02 = option 2, etc.

Maturity Date YYYYMMDD

Most Recent GMAB Step-Up / YYYYMMDD, if applicable

Rollover Date

Cancellation Date YYYYMMDD, if applicable

Pricing Cohort Indicator

GMAB Guaranteed Value Current Value

GMAB NAR Max [(GMAB Guaranteed Value -

Account Value), 0]

Account Value Current total value

Surrender Charge If reinsured

Cumulative Deposits Total premiums

Cumulative Withdrawal Total withdrawals

Cumulative Withdrawal Total Adjustments due to partial

Adjustments surrenders

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE C

(CONTINUED)

SUGGESTED DATA LAYOUT

<Table>

FIELD DESCRIPTION COMMENTS

<S> <C>

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

Funding Vehicle Values:

"MorningStar" designations (US)

Aggressive Growth

Balanced

Corporate Bond

Government Bond

Growth

Growth and Income

High Yield Bond

International Bond

International Stock

Money Market

Specialty Fund

Fixed Account

Dollar Cost Averaging

</Table>

Note: total of funding vehicles should equal account value.

Termination Information:

Termination Date YYYYMMDD, If applicable

Reason for termination Death (D), Annuitization (A), 1035 Exchange

(X), GMIB Election (I), Other (O).

Cause of Death If applicable. Use your Cause of Death

code, and provide translation

Summary Information: For reconciliation purposes (may be paper

summary)

Total number of records Monthly aggregate information by GMIB

Design, GMAB Design, and Pricing Cohort (if

applicable)

Total of each dollar field Monthly aggregate information by GMIB

Design, GMAB Design, and Pricing Cohort (if

applicable)

Note: All values to nearest dollar

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

EXHIBIT I

1994 VARIABLE ANNUITY MGDB MORTALITY TABLE

(AGE LAST BIRTHDAY)

[REDACTED]

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

EXHIBIT II

REINSURANCE PREMIUMS

[REDACTED]

* The current maximum premium rate shall be in effect for a minimum of twenty

(20) years from the Effective Date of this Reinsurance Agreement.

Thereafter, it may be increased based on expected experience but not beyond

the stated guaranteed maximum rates shown.

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

EXHIBIT III

BENEFIT LIMITATION RULE

[REDACTED]

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

EXHIBIT IV

CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

[LOGO]

LIFE

CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT

This Confidentiality and Non-Disclosure Agreement ("Agreement") made as of 14

October, 1998 by and between AXA Re Life Insurance Company ("AXA Re"), a life

insurance company organized and existing under the laws of the State of

Delaware, and Hartford Life Insurance Company ("Company"), a corporation

organized and existing under the laws of the State of Connecticut.

WHEREAS, the parties hereto intend to disclose, both orally and in writing,

certain confidential and proprietary Information ("Confidential Information") to

each other, and to the designated Affiliates and representatives of each other,

in furtherance of evaluating the possibility of entering into a reinsurance

program between AXA Re and the Company covering various guaranteed benefits

within new and/or inforce variable annuity and/or variable life contracts that

incorporate Company Confidential Information; and

WHEREAS, the parties wish to protect certain Confidential Information which may

be disclosed between them, particularly regarding AXA Re's program for

reinsuring variable annuity contracts.

NOW THEREFORE, in consideration of the foregoing, and other good and valuable

consideration, the receipt and sufficiency of which is hereby acknowledged, the

parties hereto acknowledge and agree that the Confidential Information disclosed

hereunder is confidential, proprietary and trade secret to the disclosing party

and is disclosed to the receiving party on a confidential basis under this

Agreement, to be used only as expressly permitted by the terms and conditions of

this Agreement. Title to the Confidential Information will remain at all times

in the disclosing party and no transfer of any interest is either expressly

granted or implied.

CONFIDENTIAL INFORMATION

As used in this Agreement, the term "Confidential Information" includes but is

not limited to the following items, whether existing now or created in the

future; (a) all knowledge or information concerning the business, operations and

assets of the parties hereto and their respective Subsidiaries and Affiliates

which is not readily available to the public, such as: internal operating

procedures; investment strategies; sales data and customer lists; financial

plans, projections and repots; and insurance and investment company programs,

plans and products; (b) all property owned, licensed and/or developed by or for

the parties, their Subsidiaries or Affiliates or their respective clients and

not readily available to the public, such as computer systems, programs,

software and devices, plus information about the design, methodology and

documentation therefore (c) Information, materials, products or any other

tangible or intangible assets in the possession or the control of the parties or

their Subsidiaries or Affiliates which is proprietary to, or confidential to or

about, any other person or entity; (d) proprietary or confidential information

obtained from persons or entities conducting business with the parties or their

Subsidiaries or Affiliates in any capacity; and (e) records and repositories of

all of the foregoing, in whatever from maintained.

[LOGO]

LIFE

Without limiting the generality of the foregoing: (a) Confidential Information

of AXA Re shall include, without limitation, all Information with respect to AXA

Re's program for reinsuring variable annuities and/or variable life insurance,

any actuarial, pricing and financial information provided by AXA Re or its

Affiliated companies to the Company, and all Information conveyed orally or by

any other means by AXA Re or its Affiliated companies to the Company, with

respect to reinsurance of variable annuities and/or variable life insurance; and

(b) Confidential Information of the Company shall include, without limitation,

all information with respect to its variable annuity and/or variable life

contract, any actuarial, pricing and financial Information provided by the

Company or its Affiliated companies to AXA Re, the Company annuity pricing

model, and all information conveyed orally or by any other means by the Company

or its Affiliated companies to AXA Re, with respect to Company variable annuity

and/or variable life insurance programs.

Failure to xxxx any material or information "Confidential" shall not affect the

confidential nature therefore.

The restrictions against disclosing and disseminating the Confidential

Information shall not apply to:

i. general skills and experience gained by employees of either party,

their Subsidiaries or their Affiliates; or

ii. information known by the receiving party prior to disclosure under

this Agreement; or

iii. information disclosed to the receiving party by a third party who

was not under an obligation of confidentiality to the disclosing

party; or

iv. Information which is publicly available or generally known within

the insurance or data processing industries; or

v. information which is independently developed by the receiving party

prior to, concurrent with or subsequent to the disclosing party's

disclosure without any wrongful act or breach of this Agreement by

the receiving party; or

vi. Information which becomes available to one party, its Subsidiaries,

its Affiliates or its representatives on a non-confidential basis

from sources other than the other party or its Subsidiaries,

Affiliates or representatives, provided that the recipient of such

information does not know or have reason to know that such sources

are prohibited by contractual, legal or fiduciary obligation from

transmitting the information.

The foregoing notwithstanding, nothing in this Agreement shall be construed to

prohibit the disclosure of Confidential Information in accordance with the terms

of a court order, In the event one of the parties becomes legally compelled to

disclose the Confidential Information of the other, the party being compelled

shall provide prompt and reasonable notice to the other party, so that the other

party may seek a protective order, an appeal, or other appropriate remedy.

[LOGO]

LIFE

BREACH

The Parties hereto recognize that the unauthorized disclosure, duplication,

reproduction or use of the Confidential Information would cause irreparable harm

to the disclosing party and that monetary damages will be inadequate to

compensate the disclosing party for such breach. For that reason, the parties

hereto shall be entitled to seek, in any court of competent jurisdiction,

injunctive relief including a preliminary injunction and an order of seizure and

impoundment under Section 503 of the Copyright Act and the receiving party will

not object to the entry of an injunction or other equitable relief against it on

the basis of an adequate remedy at law of other reason. Such relief shall be

cumulative and in addition to whatever other remedies the disclosing party may

have.

MISCELLANEOUS

(a) No waiver of any provision of this Agreement shall be effective unless

contained in a writing executed by the party against whom enforcement thereof is

sought. A waiver of any specific term hereof shall not be deemed to constitute a

waiver of any other term hereof, nor shall a waiver on any one or more occasions

be deemed to imply or constitute a waiver of the same of any other term on any

other occasion.

(b) If any part of this Agreement shall be held to be void or unenforceable,

such part shall be treated as severable, leaving valid the remainder of the

Agreement.

of Delaware.

(d) Anything in this Agreement to the contrary notwithstanding, nothing herein

shall be construed as commitment by either party to enter into a Reinsurance

Agreement or to engage in anything beyond having initial discussions and

exchanging information which may lead to a formal request for a reinsurance

proposal and subsequent preparation thereof.

(e) Each of the parties shall cause its respective Subsidiaries and Affiliates

to abide by the terms of this Agreement, and in the event of a violation of this

Agreement by their respective Subsidiaries of Affiliates, shall be liable

hereunder to the same extent as if, themselves, had committed such violation.

(f) For purposes of this Agreement:

(i) "Affiliate" shall mean a person that directly, or indirectly through

one or more intermediaries, controls, is controlled by or is under

common control with another person or beneficially owns or has the

power to vote or direct, the vote of twenty-five percent (25%) or

more of any class of voting stock (or of any form of voting equity

interest in the case of a person that is not a corporation) of such

other person. For purposes of this definition, "control", including

the terms "controlling" and "controlled", means the power to direct

or cause the direction of the management and policies of a person,

directly or indirectly, whether

[LOGO]

LIFE

through the ownership of securities or partnership or other

ownership interests, by contract or otherwise.

(ii) "Subsidiary" of a person means any person with respect to whom such

specified person, directly or indirectly, beneficially owns fifty

percent (50%) or more of the equity interests in, or holds the

voting control of fifty percent (60%) to more of the equity

interests in, such person.

(g) Upon the written request of AXA Re at any time, the Company will return to

AXA Re all AXA Re Confidential Information, provided that if AXA Re Enters into

a reinsurance agreement with the Company, that the Company shall be entitled to

retain AXA Re Confidential Information required by the Company in order to

fulfill its obligations under the reinsurance agreement (but that any such

Confidential Information shall not be used for any other purpose).

(h) Upon the written request of the Company at any time, AXA Re will return to

the Company all Company Confidential Information, provided that If AXA Re enters

into a reinsurance agreement with the Company, that AXA Re shall be entitled to

retain Company Confidential Information required by AXA Re in order to fulfill

its obligations under the reinsurance agreement (but that any such Confidential

Information shall not be used for any other purpose).

(i) Nothing in this agreement shall prevent the Company and AXA Re from

developing reinsurance products, or limit their respective rights to develop

reinsurance products, provided the Company does not use AXA Re Confidential

Information and AXA Re does not use Company Confidential Information In

connection with the development of such products.

COMMENCEMENT AND TERMINATION OF AGREEMENT

This Agreement is effective upon the date first written above. The obligations

of each party set out in the preceding paragraphs above shall survive the

termination of the Agreement.

Notwithstanding anything in this Agreement to the contrary, each party agrees

that any agreement executed between them as a result of these discussions shall

incorporate the confidentiality provisions contained herein, and this Agreement

shall be deemed to continue in full force and effect during all terms of such

subsequent agreement.

GENERAL PROVISIONS

This Agreement shall be governed by and construed, and the legal relations

between the parties shall be determined, in accordance with the laws of the

State of Delaware without giving effect to the principles of conflicts of laws.

This Agreement supersedes all prior understandings and negotiations, oral and

written, and constitutes the entire understanding between the parties on this

subject. This Agreement and any of the rights of obligations hereunder are not

assignable without AXA Re's prior written permission.

[LOGO]

LIFE

No waiver, modification, or amendment to the Agreement shall be binding upon the

parties unless it is in writing signed by an Authorized Representative of the

party against whom enforcement is sought

IN WITNESS THEREOF, the parties by their duly Authorized Representatives have

caused this Agreement to be executed as of the date first written above.

AXA RE LIFE INSURANCE COMPANY HARTFORD LIFE INSURANCE COMPANY

By: /s/ Xxxxxxx Xxxxxxxx By: /s/ Xxxxxxx X. Xxxxxxxxxxx

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

Xxxxxxx Xxxxxxxx Xxxxxxx X. Xxxxxxxxxxx

Title: Vice President Title: Assistant Vice President

Date: 14 October, 1998 Date: 14 October, 1998

AMENDMENT XX. 0 XX

XXXXXXXXX XXXXXXXXXXX XXXXXXXXX XX. 0000-00, DATED OCTOBER 1, 2000

between

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

(CEDING COMPANY)

and

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

(REINSURER)

Effective January 29, 2001, this Amendment is hereby attached to and becomes a

part of the above-described Reinsurance Agreement. It is mutually agreed that:

The CEDING COMPANY's Enhanced Death Benefit-Earnings Enhancement Rider (EDB-EE)

shall be added as a reinsured product hereunder, for elections that occur on or

after the effective date of this Amendment but before the end of the new

business term of the underlying Agreement as set forth in Article XX, Duration

of Agreement. Reinsurance shall be in accordance with the terms set forth in

this Amendment, and it is understood that references in the underlying Agreement

to Schedule A and Exhibit II hereafter encompass the supplements added by this

Amendment:

- SCHEDULE A-1, PLANS OF REINSURANCE, ENHANCED DEATH BENEFIT-EARNINGS

ENHANCEMENT RIDER, is hereby added to this Agreement to set forth and

describe the Quota Share, Issue Dates, Related Contracts, Benefit

Reinsured, Mortality Net Amount at Risk (MNAR) calculation and

Reinsurance Premium calculation provisions specific to the EDB-XX

Xxxxx.

- EXHIBIT II-1, REINSURANCE PREMIUMS, ENHANCED DEATH BENEFIT-EARNINGS

ENHANCEMENT RIDER, is hereby added to this Agreement to set forth and

describe the reinsurance premium rates for the EDB-XX Xxxxx.

This Amendment does not alter, amend or modify the Reinsurance Agreement other

than as set forth in this Amendment, and it is subject otherwise to all the

terms and conditions of the Reinsurance Agreement together with all Amendments

and supplements thereto.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: December 12, 2001

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

Name/Title Xxxxxxx X. Xxxx, Vice

President

Attest: /s/ Xxxxxx X. Xxxxxxxx

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

Name/Title Xxxxxx X. Xxxxxxxx, Assistant

Actuary

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: 03 December, 2001

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

Xxxxxxx X. Xxxx, President

By: /s/ Xxxxx Xxxxx

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

Xxxxx Xxxxx, Vice President

Attest: /s/ Xxxxx Xxxxxxx

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

Xxxxx Xxxxxxx, Assistant Vice President

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 1, Effective January 29, 2001

SCHEDULE A-1

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

A. [REDACTED]

B. ISSUE DATES

Policies issued on or after January 29, 2001 and policies issued under this

Agreement before January 29, 2001 and still in force on January 29, 2001, that

elect the EDB-XX Xxxxx.

C. RELATED CONTRACTS -- For all States where approved

- Outlook Variable Annuity Policy Forms (including state variations

thereof):

HL-VA00,

LA-VAOO

- EDB-XX Xxxxx Forms (including state variations thereof):

HL-VAEDB

LA-VAEDB

D. BENEFIT REINSURED

Enhanced Death Benefit-Earnings Enhancement Rider (EDB-EE. Basic) --- For Issue

Ages 0-80

The EDB-EE Basic benefit is the maximum of the following:

- Contract value plus 40% of the Gain for Issue Ages 0-69 and 25% for

Issue Ages 70-80

- Net considerations (Initial Premiums reduced dollar-for-dollar on

withdrawals);

- A GMDB equal to a Maximum Anniversary Value (MAV) calculated on the

contract anniversary prior to the deceased's 81st birthday

(additional premiums and withdrawals are treated on a

dollar-for-dollar basis); GMDB frozen thereafter.

The Gain is defined as follows as the lesser of 1 or 2:

1. The greater of zero or the following amount:

a. the Contract Value as of the date of receipt of Due Proof of Death;

less

b. the Contract Value on the effective date of this rider plus premium

payments received after the effective date of this rider; plus

c. the sum of Adjustments for all partial surrenders which occur after

the effective date of this rider.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 1, Effective January 29, 2001

SCHEDULE A-1

(CONTINUED)

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

2. 200% of a) less b) below as follows:

a. the sum of the Contract Value on the effective date of this rider,

plus premium payments received after the effective date of this

rider excluding payments received within 12 months of the date of

death, less

b. the sum of Adjustments for all partial surrenders which occur after

the effective date of this rider.

Adjustments for partial surrenders which occur after the effective date of this

rider are equal to the greater of zero or the following amount:

1. the gross amount of the partial surrender; plus

2. the Contract Value on the effective date of this rider plus premium

payments received after the effective date of this rider and prior

to the partial surrender, less

3. the Contract Value on the Valuation Day immediately preceding the

date of partial surrender; less

4. the sum of Adjustments for all prior partial surrenders which have

occurred after the effective date of this rider.

Enhanced Death Benefit (EDB-EE Optional) -- For Issue Ages 0-75

The EDB-EE Optional benefit is the maximum of the following:

- Contract value plus 40% of the Gain for Issue Ages 0-69 and 25% for

Issue Ages 70-75

- Net considerations (Initial Premiums reduced dollar-for-dollar on

withdrawals)

- AGMDB equal to the greater of Maximum Anniversary Value calculated on

the contract anniversary prior to the deceased's 81st birthday

(additional premiums and withdrawals are treated on a

dollar-for-dollar basis) and 5% Roll-up to the Contract Anniversary

prior to the deceased's 81st birthday subject to 200% of net

considerations (proportionally reduced for withdrawals); GMDB frozen

thereafter

The Gain is defined in the same manner as for the EDB-EE Basic.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 1, Effective January 29, 2001

SCHEDULE A-1

(CONTINUED)

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

E. [REDACTED]

F. REINSURANCE PREMIUMS

The provisions of Article V of the underlying Agreement shall apply except as

noted herein.

1. The reinsurance premium is an asset-based premium rate which shall be

applied to the average aggregate account value over the reporting period inforce

multiplied by the quota share percentage reinsured by the REINSURER and further

multiplied by the Premium Adjustment Factor (PAF) determined as shown in the

following formula:

[REDACTED]

The PAF will be based on the sum of all uncapped EDBMNAR resulting from each

contract owned by any individual life.

The above PAF will change for each reporting period as long as the sum of all

uncapped EDBMNAR for any individual life exceeds one million dollars

($1,000,000), adjusted by the quota share percentage reinsured. Should the sum

of all uncapped EDBMNAR for any individual life decrease below one million

dollars ($1,000,000), adjusted by the quota share percentage reinsured, then the

PAF for that individual life reverts to 100%.

2. The premium rate levels vary by issue age and underlying GMDB design. The

annualized reinsurance premium rates are shown in EXHIBIT II-1 attached to this

Amendment and are expressed in terms of basis points. In practice, the

reinsurance premiums shall be applied on a monthly basis by utilizing 1/12th of

the annualized rates. The reporting period is monthly.

3. The YRT reinsurance premium rate described in Article V, Paragraph A of the

underlying Agreement does not apply to reinsurance on the EDB-XX Xxxxx.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 1, Effective January 29, 2001

EXHIBIT II-1

REINSURANCE PREMIUMS

For policies issued with the EDB-XX Xxxxx and for in force policies with EDB-XX

Xxxxx elections, the reinsurance premiums set forth below shall be due in

addition to the reinsurance premiums for the GMDB set forth in the underlying

Agreement.

[REDACTED]

* The current reinsurance premium rate shall be in effect for a minimum of 20

years from the effective date of this reinsurance agreement. Thereafter, it

may be increased based on expected experience but not beyond the stated

guaranteed maximum rates shown.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 1, Effective January 29, 2001

AMENDMENT XX. 0 XX

XXXXXXXXX XXXXXXXXXXX XXXXXXXXX XX. 0000-00, DATED OCTOBER 1, 2000

between

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

(CEDING COMPANY)

and

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

(REINSURER)

Effective as shown below, this Amendment is hereby attached to and becomes a

part of the above-described Reinsurance Agreement. It is mutually agreed that:

- ARTICLE II, COMMENCEMENT AND TERMINATION OF LIABILITY, is hereby

replaced by the attached revised Article II, to describe the revision to

Paragraph A.3., that results from the issuance of the Amendatory Rider

as described under Schedule A, below.

- SCHEDULE A, PLANS OF REINSURANCE, is hereby replaced by the attached

revised Schedule A:

1. To expand Paragraph C, now called Related Contracts and Variable

Annuity Products Reinsured Hereunder. The Prospectus Names of the

variable annuity products reinsured hereunder are now listed; and

2. To add, effective May 1, 2002, subject to state approvals, the

Amendatory Rider as a covered form hereunder. The Amendatory Rider

revises the adjustment method for partial surrender; and

3. To revise Paragraph D, GMDB Reinsured, to document that for

contracts sold with the above-described Amendatory Rider, the

Maximum Anniversary Value will be calculated by using a proportional

adjustment for partial surrender instead of a dollar-for-dollar

adjustment for partial surrender.

- SCHEDULE A-1, PLANS OF REINSURANCE, ENHANCED DEATH BENEFIT-EARNINGS

ENHANCEMENT RIDER, is hereby replaced by the attached revised Schedule

A-1 to document the revisions shown for Schedule A, as they relate to

Schedule A-l.

- SCHEDULE B, INVESTMENT FUNDS, is hereby replaced by the attached revised

Schedule B, to describe various fund changes and additions as of the

dates shown.

- Effective May 1, 2002, all in force and new Director Outlook and

Director Outlook Proprietary Variable Annuity contracts reinsured

hereunder will have an increase in the 12b-1 fee. The REINSURER hereby

acknowledges the fee increase and agrees to continue to reinsure in

force contracts and to reinsure new contracts at the same reinsurance

terms as have existed hereunder for the affected variable annuity

products before the fee increase.

This Amendment does not alter, amend or modify the Reinsurance Agreement other

than as set forth in this Amendment, and it is subject otherwise to all the

terms and conditions of the Reinsurance Agreement together with all Amendments

and supplements thereto.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

<Page>

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: November 25, 2002

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

Name/Title Xxxxxxx X. Xxxx, Vice President

Attest: /s/ Xxxxxx X. Xxxxxxxx

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

Name/Title Xxxxxx X. Xxxxxxxx, Associate

Actuary

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: 29 July 2002

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

Xxxxxxx X. Xxxx, President

By: /s/ Xxxxx Xxxxx

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

Xxxxx Xxxxx, Vice President

Attest: /s/ Xxxxx Xxxxxxx

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

Xxxxx Xxxxxxx, Assistant Vice President

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

ARTICLE II

COMMENCEMENT AND TERMINATION OF LIABILITY

A. On reinsurance ceded under the terms of this Agreement, the liability of the

REINSURER shall commence simultaneously with that of the CEDING COMPANY. The

liability under this Agreement will terminate either:

1. in accordance with the Duration of Agreement provisions of this Agreement

as stated in Article XX; or,

2. for an individual contract, upon the earliest of the following occurrences

defined in the contract(s) reinsured hereunder:

a. the date the owner elects to annuitizc

b. surrender or termination of the contract

c. the CEDING COMPANY's receipt of due proof of death of a single owner

or annuitant where such death triggers the payment of a contractual

death benefit, except when spousal continuance has been elected. On

spousal continuance election the REINSURER's liability will be

terminated upon death of the continuing spouse;

d. attainment of the maximum annuity commencement date (as described in

the contract forms shown in Schedule A), not to exceed age 105.

3. for an individual contract, reinsurance coverage will cease on the first

day of the month following a withdrawal that causes the Account Value of

the contract to fall below four-thousand-dollars ($4,000). Once reinsurance

coverage ends for a specific contract, it cannot be reinstated under this

Agreement.

NOTE: The provisions of this Paragraph 3 apply only to contracts for which

the GMDB is reduced dollar-for-dollar for partial surrender and not to

contracts issued with the Amendatory Rider.

B. The REINSURER shall be liable to reimburse claims only on those deaths where

the actual date of death is on or after October 1, 2000, in accordance with

Article VII.

Hartford Life and Annuity Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE A

PLANS OF REINSURANCE

A. [REDACTED]

B. Issue Dates:

Policies issued on or after October 1, 2000

C. Related Contracts and Variable Annuity Products Reinsured Hereunder (For all

States where approved)

1. Related Contracts

(a) Variable Annuity Policy Forms: LA-VA00 and any state variations

(b) Optional Death Benefit Rider Forms: LA-VA99OPTDB-00 and any state

variations

2002): variations

2. Prospectus Names of Variable Annuity Products Reinsured

(a) Director Outlook

(b) Director Solution Outlook (added March 7, 2002)

(d) Director Elite Outlook

(e) Xxxxx Fargo Director Outlook

(f) Xxxxxx Hartford Capital Access II

(g) Hartford Leaders Outlook

(h) Hartford Leaders Solution Outlook (added March 7,

2002)

(i) Hartford Leaders Elite Outlook

D. GMDB Reinsured

- Basic Benefit for issue ages 0-79: Maximum Anniversary Value is the

highest Contract Anniversary Value prior to the deceased's death and

81st birthday increased by premiums and reduced by gross partial

surrenders since that anniversary. Note: The maximum Anniversary

Value will be reduced by any Payment Enhancements credited in the 12

months prior to the date of calculation of the death benefit.

- Basic Benefit for issue ages 80-90: 100% premiums minus gross partial

surrenders.

- Optional Enhanced Benefit for issue ages 0.75: Greater of the Basic

Benefit and 5% Roll-up of premium to deceased's death or 81st

birthday, reduced by partial surrender adjustments, subject to a cap

of 200% of premiums less partial surrender adjustments. On or after

the 81st birthday, the Roll up amount is increased by premiums and

reduced by any partial surrender adjustments.

Note:

1. The Maximum Anniversary Value for new contracts sold on or after May 1,

2002, subject to state approvals, will be calculated by using a proportional

adjustment for partial surrender instead of a dollar-for-dollar adjustment for

partial surrender.

2. The ROP death benefit calculation remains a dollar-for-dollar adjustment for

partial surrender.

3. The Roll up death benefit calculation remains a proportional adjustment for

partial surrender.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE A-1

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

A. [REDACTED]

B. ISSUE DATES

Policies issued on or after January 29, 2001 and policies issued under this

Agreement before January 29, 2001 and still in force on January 29, 2001, that

elect the EDB-XX Xxxxx.

C. RELATED CONTRACTS AND VARIABLE ANNUITY PRODUCTS REINSURED HEREUNDER -- For

all States where approved

- Policy forms and products as shown under Schedule A, Paragraph C

- EDB-XX Xxxxx Forms (including state variations thereof):

HL-VAEDB

LA-VAEDB

D. BENEFIT REINSURED

Enhanced Death Benefit-Earnings Enhancement Rider (EDB-EE Basic) -- For Issue

Ages 0-80

The EDB-EE Basic benefit is the maximum of the following:

- Contract value plus 40% of the Gain for Issue Ages 0-69 and 25% for

Issue Ages 70-80

- Net considerations (Initial Premiums reduced dollar-for-dollar on

withdrawals);

- A GMDB equal to a Maximum Anniversary Value (MAV) calculated on the

contract anniversary prior to the deceased's 81st birthday

(additional premiums and withdrawals are treated on a

dollar-for-dollar basis); GMDB frozen thereafter

Note:

1. The Maximum Anniversary Value for new contracts sold on or after May 1,

2002, subject to state approvals, will be calculated by using a proportional

adjustment for partial surrender instead of a dollar-for-dollar adjustment for

partial surrender.

2. The ROP death benefit calculation remains a dollar-for-dollar adjustment for

partial surrender.

The Gain is defined as follows as the lesser of 1 or 2:

1. The greater of zero or the following amount:

a. the Contract Value as of the date of receipt of Due Proof of Death;

less

b. the Contract Value on the effective date of this rider plus premium

payments received after the effective date of this rider; plus

c. the sum of Adjustments for all partial surrenders which occur after

the effective date of this rider.

Hartford Life and Annuity Treaty No. 2000-5, Effective October 1, 2000

Amendment No. 2

SCHEDULE A-1

(CONTINUED)

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

2. 200% of a) less b) below as follows:

a. the sum of the Contract Value on the effective date of this rider,

plus premium payments received after the effective date of this

rider excluding payments received within 12 months of the date of

death, less

b. the sum of Adjustments for all partial surrenders which occur after

the effective date of this rider.

Adjustments for partial surrenders which occur after the effective date of this

rider are equal to the greater of zero or the following amount:

1. the gross amount of the partial surrender; plus

2. the Contract Value on the effective date of this rider plus premium payments

received after the effective date of this rider and prior to the partial

surrender, less

3. the Contract Value on the Valuation Day immediately preceding the date of

partial surrender; less

4. the sum of Adjustments for all prior partial surrenders which have occurred

after the effective date of this rider.

Enhanced Death Benefit (EDB-EE Optional) -- For Issue Ages 0-75

The EDB-EE Optional benefit is the maximum of the following:

- Contract value plus 40% of the Gain for Issue Ages 0-69 and 25% for

Issue Ages 70-75

- Net considerations (Initial Premiums reduced dollar-for-dollar on

withdrawals)

- A GMDB equal to the greater of Maximum Anniversary Value calculated

on the contract anniversary prior to the deceased's 81st birthday

(additional premiums and withdrawals are treated on a

dollar-for-dollar basis) and 5% Roll-up to the Contract Anniversary

prior to the deceased's 81st birthday subject to 200% of net

considerations (proportionally reduced for withdrawals); GMDB frozen

thereafter

Note:

1. The Maximum Anniversary Value for new contracts sold on or after May 1,

2002, subject to state approvals, will be calculated by using a proportional

adjustment for partial surrender instead of a dollar-for-dollar adjustment for

partial surrender.

2. The ROP death benefit calculation remains a dollar-for-dollar adjustment for

partial surrender.

3. The Roll up death benefit calculation remains a proportional adjustment for

partial surrender.

The Gain is defined in the same manner as for the EDB-EE Basic.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE A-1

(CONTINUED)

PLANS OF REINSURANCE

ENHANCED DEATH BENEFIT-EARNINGS ENHANCEMENT RIDER (EDB-EE)

E. [REDACTED]

F. REINSURANCE PREMIUMS

The provisions of Article V of the underlying Agreement shall apply except as

noted herein.

1. The reinsurance premium is an asset-based premium rate which shall be

applied to the average aggregate account value over the reporting period inforce

multiplied by the quota share percentage reinsured by the REINSURER and further

multiplied by the Premium Adjustment Factor (PAF) determined as shown in the

following formula:

[REDACTED]

The PAF will be based on the sum of all uncapped EDBMNAR resulting from each

contract owned by any individual life.

The above PAF will change for each reporting period as long as the sum of all

uncapped EDBMNAR for any individual life exceeds one million dollars

($1,000,000), adjusted by the quota share percentage reinsured. Should the sum

of all uncapped EDBMNAR for any individual life decrease below one million

dollars ($1,000,000), adjusted by the quota share percentage reinsured, then the

PAF for that individual life reverts to 100%.

2. The premium rate levels vary by issue age and underlying GMDB design. The

annualized reinsurance premium rates are shown in EXHIBIT II-1 attached to this

Amendment and are expressed in terms of basis points. In practice, the

reinsurance premiums shall be applied on a monthly basis by utilizing 1/12th of

the annualized rates. The reporting period is monthly.

3. The YRT reinsurance premium rate described in Article V, Paragraph A of the

underlying Agreement does not apply to reinsurance on the EDB-XX Xxxxx.

G. ADMINISTRATION

The provisions of Article VI of the underlying Agreement shall apply.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE B

INVESTMENT FUNDS

THE DIRECTOR OUTLOOK VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

DIRECTOR OUTLOOK VARIABLE ANNUITY

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 Opportunities Fund

Hartford Dividend and Growth Fund

Hartford International Advisers Fund now known as Name changed 5/1/01

Hartford Global Advisers Fund

Hartford MidCap Fund Closed to new money

Hartford Small Company Fund 6/29/01

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Hartford Global Health Fund Added 5/1/00

Hartford Global Technology Fund Added 5/1/00

Hartford MidCap Value Fund Added 5/1/01

Hartford International Capital Appreciation Fund Added 5/1/01

Hartford International Small Company Fund Added 5/1/01

Hartford Value Fund Added 5/1/01

Hartford Global Financial Services Fund Added 5/1/01

Hartford Global Communications Fund Added 5/1/01

Hartford Focus Fund Added 5/1/01

Hartford US Government Securities Fund Added 5/1/02

Hartford Value Opportunities Fund Added 5/1/02

Hartford Growth Opportunities Fund Added 5/1/02

Hartford Small Cap Growth Fund Added 5/1/02

Hartford Growth Fund Added 5/1/02

</Table>

THE ABOVE FUNDS WILL BE REFERRED TO AS THE HARTFORD CORE FUNDS.

DIRECTOR SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED

3/7/02)

Hartford Core Funds

Xxxxxxx Xxxxx Global Growth Focus Fund NOW KNOWN Renamed 5/1/02

as Xxxxxxx Xxxxx Global Growth VI, Fund

Xxxxxxx Xxxxx Large Cap Growth Focus Fund NOW Renamed 5/1/02

KNOWN as Xxxxxxx Xxxxx Large Cap V.I. Fund

DIRECTOR PREFERRED OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

First American International Fund Added 1/29/01

First American Large Cap Growth Fund Added 1/29/01

First American Technology Fund Added 1/29/01

First American Mid Cap Growth Fund Added 10/15/01

First American Small Cap Growth Fund Added 10/15/01

DIRECTOR ELITE OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Prudential 20/20 Focus Fund Added 3/1/01

Prudential Xxxxxxxx Growth Fund Added 3/1/01

Prudential Xxxxxxxx International Growth Fund Added 3/1/01

Prudential Value Fund Added 3/1/01

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE B

INVESTMENT FUNDS

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

XXXXX FARGO DIRECTOR OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Xxxxx Fargo VT Small Cap Growth Fund Added 11/1/01

Xxxxx Fargo VT Large Company Growth Fund Added 11/1/01

Xxxxx Fargo VT International Equity Fund Added 11/1/01

Xxxxx Fargo VT Growth Fund Added 11/1/01

Xxxxx Fargo VT Equity Value Fund Added 11/1/01

Xxxxx Fargo VT Equity Income Fund Added 11/1/01

Xxxxx Fargo Asset Allocation Fund Added 11/1/01

Xxxxx Fargo Corporate Bond Fund Added 11/1/01

Xxxxx Fargo VT Money Market Fund Added 11/1/01

</Table>

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment Xx. 0

XXXXXXXX X

XXXXXXXXXX XXXXX

XXX XXXXXX HARTFORD CAPITAL ACCESS II VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

XXXXXX HARTFORD CAPITAL ACCESS II VARIABLE ANNUITY

Xxxxxx VT American Government Income

Xxxxxx VT Asia Pacific Growth Fund

Xxxxxx VT Capital Appreciation Fund Added 11/1/00

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 Growth Opportunities 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 Technology Fund Added 7/17/00

Xxxxxx VT Utilities Growth and Income Fund

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

Xxxxxx VT Voyager II Fund Added 11/1/00

</Table>

THE ABOVE FIORDS WILL BE REFERRED TO AS XXXXXX CORE FINDS.

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE B

INVESTMENT FUNDS

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY

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 Blue Chip Income and Growth Fund Added 7/5/01

American Funds New World Fund

Franklin Real Estate Fund Closed to new sales 0/0/00

Xxxxxxxx Xxxxx Xxx Xxxx

Xxxxxxxx Strategic Income Securities Fund

Franklin Mutual Shares Securities Fund

Templeton Asset Strategy Fund NOW KNOWN AS Templeton global Renamed and closed to new sales 5/1/02

Asset Allocation Fund

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

Xxxxxxxxx International Securities Fund NOW KNOWN AS Renamed 5/12/02

Xxxxxxxxx Foreign Securities Fund

Franklin Technology Securities Fund

Hartford Money Market Fund

MFS Capital Opportunities Series Fund

MPS Emerging Growth Series Fund

MFS Global Equity Series Fund

MFS Investors Growth Stock Series Fund

MFS Investors Trust Series Fund

MFS High Income Series Fund

MFS Mid-Cap Growth Series Fund

MFS New Discovery Series Fund

MFS Total Return Series Fund

AIM V.I. Aggressive Growth Fund Added 9/20/01

AIM V.I. Basic Value Fund Added 9/20/01

AIM V.I. Blue Chip Fund Added 9/20/01

AIM V.I. Capital Appreciation Fund Added 9/20/01

AIM V.I. Dent Demographics Trends Fund Added 9/20/01

AIM V.I. Government Securities Fund Added 9/20/01

AIM V.I. International Equity Fund NOW KNOWN AS AIM V.I. Added 9/20/01 Renamed 5/1/02

International Growth Fund

AIM V.I. Mid Cap Equity Fund NOW KNOWN AS AIM V.I. Mid Cap Added 9/20/01 Renamed 5/1/02

Core Equity Fund

AIM V.I. Value Fund NOW KNOWN AS AIM V.I. Premier Equity Added 9/20/01 Renamed 5/1/02

Fund

Franklin Income Securities Fund Added 5/1/02

Franklin Large Cap Growth Securities Fund Added 5/1/02

</Table>

THE ABOVE ANDS WILL BE REFERRED TO AS LEADERS CORE FUNDS.

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 2

SCHEDULE B

INVESTMENT FUNDS

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

HARTFORD LEADERS SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED

3/7/02)

Leaders Core Funds

Xxxxxxx Xxxxx Global Growth Focus Fund NOW KNOWN AS Merrill Renamed 5/1/02

Xxxxx Global Growth V.I. Fund

Xxxxxxx Xxxxx Large Cap Growth Focus Fund NOW KNOWN AS Renamed 5/1/02

Xxxxxxx Xxxxx Large Cap V.I. Fund

HARTFORD LEADERS ELITE OUTLOOK VARIABLE ANNUITY

Leaders Core Funds

Prudential Xxxxxxxx Growth Fund Added 3/1/01

Prudential Xxxxxxxx International Growth Fund Added 3/1/01

Prudential Value Fund Added 3/1/01

Prudential 20/20 Focus Fund Added 3/1/01

</Table>

End.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment Xx. 0

XXXXXXXXX XX. 0 TO

AUTOMATIC REINSURANCE AGREEMENT NO. 2000-25, DATED OCTOBER 1, 2000

between

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

(CEDING COMPANY)

and

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

(REINSURER)

Effective as shown below, this Amendment is hereby attached to and becomes a

part of the above-described Reinsurance Agreement. It is mutually agreed that:

- Contracts issued between August 5, 2002 and September 30, 2002 that

have elected the Guaranteed Income Benefit Rider (GIB) and contracts

In Force as of November 1, 2002, that elect the GIB for the six (6)

month period between November 1, 2002 and April 30, 2003 shall

continue to be reinsured hereunder at existing reinsurance terms as

long as the election rate does not exceed 5% of the In Force

contracts as measured by the contract value on April 30, 2003. Should

the election rate exceed 5%, then the contracts that have elected the

GIB will be subject to an increase in the reinsurance premium of up

to 10%. At the end of the six month period, the REINSURER and the

CEDING COMPANY shall mutually determine the reinsurance terms, if

any, for subsequent GIB elections on a case-by-case basis for each

month following. Note the REINSURER will not cover any benefit

resulting from this rider; and

- SCHEDULE A, PLANS OF REINSURANCE, is hereby replaced by the attached

revised Schedule A to add, effective September 19, 2002, the new

covered products specified under Paragraph C.

- SCHEDULE B, INVESTMENT FUNDS, is hereby replaced by the attached

revised Schedule B, to describe various fund changes and additions as

of the dates shown.

This Amendment does not alter, amend or modify the Reinsurance Agreement other

than as set forth in this Amendment, and it is subject otherwise to all the

terms and conditions of the Reinsurance Agreement together with all Amendments

and supplements thereto.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: January 22, 2003

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

Name/Title Xxxxxxx X. Xxxx, Vice

President

Attest: /s/ Xxxxxxx Xxxxxxxx

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

Name/Title Xxxxxxx Xxxxxxxx,

Assistant Actuary

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxxxxxx Date: 21 January 2003

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

Xxxxxxx X. Xxxxxxxx, Senior Vice

President

By: /s/ Xxxxx Xxxxx

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

Xxxxx Xxxxx, Vice President

Attest: /s/ Xxxxx Xxxxxxx

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

Xxxxx Xxxxxxx, Assistant Vice

President

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

SCHEDULE A

PLANS OF REINSURANCE

A. [REDACTED]

B. Issue Dates:

Policies issued on or after October 1, 2000

C. Related Contracts and Variable Annuity Products Reinsured Hereunder (For all

States where approved)

1. Related Contracts

(a) Variable Annuity Policy Forms: LA-VA00 and any state

variations

(b) Optional Death Benefit Rider Forms: LA-VA99OPTDB-00 and any state

variations

2002): variations

2. Prospectus Names of Variable Annuity Products Reinsured

(a) Director Outlook

(b) Director Solution Outlook (added March 7, 2002)

(d) Director Elite Outlook

(e) Classic Director Outlook (added September 19, 2002)

(f) Xxxxx Fargo Director Outlook

(g) Xxxxxx Hartford Capital Manager Outlook (FORMERLY Xxxxxx Hartford

Capital Access II)

(h) Hartford Leaders Outlook

(i) Hartford Leaders Solution Outlook (added March 7, 2002)

(j) Hartford Leaders Elite Outlook

(k) Classic Hartford Leaders Outlook (added September 19, 2002)

D. GMDB Reinsured

- Basic Benefit for issue ages 0-79: Maximum Anniversary Value is the

highest Contract Anniversary Value prior to the deceased's death and

81st birthday increased by premiums and reduced by gross partial

surrenders since that anniversary. Note: The maximum Anniversary

Value will be reduced by any Payment Enhancements credited in the 12

months prior to the date of calculation of the death benefit.

- Basic Benefit for issue ages 80-90: 100% premiums minus gross partial

surrenders.

- Optional Enhanced Benefit for issue ages 0-75: Greater of the Basic

Benefit and 5% Roll-up of premium to deceased's death or 81st

birthday, reduced by partial surrender adjustments, subject to a cap

of 200% of premiums less partial surrender adjustments. On or after

the 81st birthday, the Roll up amount is increased by premiums and

reduced by any partial surrender adjustments.

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity, Agreement No. 2000-25-DB

Effective October 1, 2000

SCHEDULE A

PLANS OF REINSURANCE (CONTINUED)

Note:

1. The Maximum Anniversary Value for new contracts sold on or after May 1,

2002, subject to state approvals, will be calculated by using a proportional

adjustment for partial surrender instead of a dollar-for-dollar adjustment for

partial surrender.

2. The ROP death benefit calculation remains a dollar-for-dollar adjustment for

partial surrender.

3. The Roll up death benefit calculation remains a proportional adjustment for

partial surrender.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

SCHEDULE B

INVESTMENT FUNDS

THE DIRECTOR OUTLOOK VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

DIRECTOR OUTLOOK VARIABLE ANNUITY

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 Opportunities Fund

Hartford Dividend and Growth Fund

Hartford International Advisers Fund now known as Name changed 5/1/01

Hartford Global Advisers Fund

Hartford MidCap Fund Closed to new money

Hartford Small Company Fund 6/29/01

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Hartford Global Health Fund Added 5/1/00

Hartford Global Technology Fund Added 5/1/00

Hartford MidCap Value Fund Added 5/1/01

Hartford International Capital Appreciation Fund Added 5/1/01

Hartford International Small Company Fund Added 5/1/01

Hartford Value Fund Added 5/1/01

Hartford Global Financial Services Fund Added 5/1/01

Hartford Global Communications Fund Added 5/1/01

Hartford Focus Fund Added 5/1/01

Hartford US Government Securities Fund Added 5/1/02

Hartford Value Opportunities Fund Added 5/1/02

Hartford Growth Opportunities Fund Added 5/1/02

Hartford Small Cap Growth Fund Added 5/1/02

Hartford Growth Fund Added 5/1/02

</Table>

THE ABOVE FUNDS WILL BE REFERRED TO AS THE HARTFORD CORE FUNDS.

DIRECTOR SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED

3/7/02)

Hartford Core Funds

Xxxxxxx Xxxxx Global Growth Focus Fund NOW KNOWN Renamed 5/1/02

AS Xxxxxxx Xxxxx Global Growth V.I. Fund

Xxxxxxx Xxxxx Large Cap Growth Focus Fund NOW Renamed 5/1/02

KNOWN ASMerrill Xxxxx Large Cap V.I. Fund

DIRECTOR PREFERRED OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

First American International Fund Added 1/29/01

First American Large Cap Growth Fund Added 1/29/01

First American Technology Fund Added 1/29/01

First American Mid Cap Growth Fund Added 10/15/01

First American Small Cap Growth Fund Added 10/15/01

DIRECTOR ELITE OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Prudential 20/20 Focus Fund Added 3/1/01

Prudential Xxxxxxxx Growth Fund Added 3/1/01

Prudential Xxxxxxxx International Growth Fund Added 3/1/01

Prudential Value Fund Added 3/1/01

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

SCHEDULE B

INVESTMENT FUNDS

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

CLASSIC DIRECTOR OUTLOOK VARIABLE ANNUITY (ADDED 9/19/02)

Hartford Core Funds

STI Classic VT Capital Appreciation Fund

STI Classic VT Growth and Income Fund

STI Classic VT Mid-Cap Equity Fund

STI Classic VT Value Income Stock Fund

XXXXX FARGO DIRECTOR OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Xxxxx Fargo VT Small Cap Growth Fund Added 11/1/01

Xxxxx Fargo VT Large Company Growth Fund Added 11/1/01

Xxxxx Fargo VT International Equity Fund Added 11/1/01

Xxxxx Fargo VT Growth Fund Added 11/1/01

Xxxxx Fargo VT Equity Value Fund Added 11/1/01

Xxxxx Fargo VT Equity Income Fund Added 11/1/01

Xxxxx Fargo Asset Allocation Fund Added 11/1/01

Xxxxx Fargo Corporate Bond Fund Added 11/1/01

Xxxxx Fargo VT Money Market Fund Added 11/1/01

</Table>

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment Xx. 0

XXXXXXXX X

XXXXXXXXXX XXXXX

XXXXXX HARTFORD CAPITAL MANAGER OUTLOOK VARIABLE ANNUITY (FORMERLY THE XXXXXX

HARTFORD

CAPITAL ACCESS II VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

Xxxxxx VT American Government Income

Xxxxxx VT Asia Pacific Growth Fund MERGED INTO Xxxxxx VT Merged 10/11/02

International Growth Fund

Xxxxxx VT Capital Appreciation Fund Added 11/1/00

Xxxxxx VT Diversified Income Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Boston

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Global Growth Fund NOW KNOWN AS Xxxxxx VT Equity Renamed 10/11/02

Fund

Xxxxxx VT Growth and Income Fund

Xxxxxx VT Growth Opportunities 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 Technology Fund MERGED INTO Xxxxxx VT Voyager Fund Added 7/17/00 Merged 10/11/02

Xxxxxx VT Utilities Growth and Income Fund

Xxxxxx VT Vista Fund

Xxxxxx VT Voyager Fund

Xxxxxx VT Voyager II Fund Added 11/1/00

</Table>

THE ABOVE FUNDS WILL BE REFERRED TO AS XXXXXX CORE FUNDS.

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

SCHEDULE B

INVESTMENT FUNDS

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY SERIES

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY

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 Blue Chip Income and Growth Fund Added 7/5/01

American Funds New World Fund

Franklin Real Estate Fund Closed to new sales 0/0/00

Xxxxxxxx Xxxxx Xxx Xxxx

Xxxxxxxx Strategic Income Securities Fund

Franklin Mutual Shares Securities Fund

Templeton Asset Strategy Fund NOW KNOWN AS Templeton Global Renamed and closed to new sales 5/1/02

Asset Allocation Fund

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

Xxxxxxxxx International Securities Fund NOW KNOWN AS Renamed 5/12/02

Templeton Foreign Securities Fund

Franklin Technology Securities Fund

Hartford Money Market Fund

MFS Capital Opportunities Series Fund

MFS Emerging Growth Series Fund

MFS Global Equity Series Fund

MFS Investors Growth Stock Series Fund

MFS Investors Trust Series Fund

MFS High Income Series Fund

MFS Mid-Cap Growth Series Fund

MFS New Discovery Series Fund

MFS Total Return Series Fund

AIM V.I. Aggressive Growth Fund Added 9/20/01

AIM V.I. Basic Value Fund Added 9/20/01

AIM V.I. Blue Chip Fund Added 9/20/01

AIM V.I. Capital Appreciation Fund Added 9/20/01

AIM V.I. Dent Demographics Trends Fund Added 9/20/01

AIM V.I. Government Securities Fund Added 9/20/01

AIM V.I. International Equity Fund NOW KNOWN AS AIM V.I. Added 9/20101 Renamed 5/1/02

International Growth Fund

AIM V.I. Mid Cap Equity Fund NOW KNOWN AS Added 9/20/03 Renamed 5/1/02

AIM V.I. Mid Cap Core Equity Fund

AIM V.I. Value Fund NOW KNOWN AS Added 9/20/01 Renamed 5/1/02

AIM V.I. Premier Equity Fund

Franklin Income Securities Fund Added 5/1/02

Franklin Large Cap Growth Securities Fund Added 5/1/02

</Table>

THE ABOVE FUNDS WILL BE REFERRED TO AS LEADERS CARE FUNDS.

Continued...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

SCHEDULE B

INVESTMENT FUNDS

<Table>

FUNDS STATUS CHANGES

<S> <C>

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

HARTFORD LEADERS SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED

3/7/02)

Leaders Core Funds

Xxxxxxx Xxxxx Global Growth Focus Fund NOW KNOWN AS Merrill Renamed 5/1/02

Xxxxx Global Growth V.I. Fund

Xxxxxxx Xxxxx Large Cap. Growth Focus Fund NOW KNOWN AS Renamed 5/1/02

Xxxxxxx Xxxxx Large Cap V.I. Fund

HARTFORD LEADERS ELITE OUTLOOK VARIABLE ANNUITY

Leaders One Funds

Prudential Xxxxxxxx Growth Fund Added 3/1/01

Prudential Xxxxxxxx International Growth Fund Added 3/1/01

Prudential Value Fund Added 3/1/01

Prudential 20/20 Focus Fund Added 3/1/01

CLASSIC HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY (ADDED

9/19/02)

Leaders Core Funds

STI Classic VT Capital Appreciation Fund

STI Classic VT Growth and Income Fund

STI Classic VT Mid-Cap Equity Fund

STI Classic VT Value Income Stock Fund

</Table>

End.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 3

[LOGO]

HARTFORD LIFE

GUARANTEED INCOME BENEFIT RIDER

The term "Contract" as used in this rider applies to either a contract or a

certificate. The term "Contract Owner" as used in this rider applies to a

contract owner, certificate owner or certificate participant, as the case may

be.

This rider is issued as part of the contract to which it is attached. The

effective date is when this rider is issued and made part of the contract. This

rider cannot be terminated either by You or Us prior to the Annuity Commencement

Date. Except where this rider provides otherwise, it is subject to all of the

conditions and limitations of the contract.

When elected on the Contract Issue Date, this rider provides a guaranteed income

benefit that gives You the right to make periodic surrenders that total an

amount equal to Your premium payments. This guarantee will remain in effect if

periodic surrenders do not exceed an amount equal to 7% of premium payments each

Contract Year. If the Contract Owner chooses to surrender an amount more than 7%

in a Contract Year, then the guarantee may be reduced to an amount less than

premium payments in accordance with the provisions of this rider.

When this rider is elected after the Contract Issue Date, the guaranteed income

benefit will be based on the amount of the Contract Value on the effective date

of the rider plus premium payments made subsequent to the effective date of this

rider. Accordingly, for purposes of this rider, the Contract Value plus premium

payments made subsequent to the effective date of this rider will be treated in

the same manner as premium payments when this rider is effective on the Contract

Issue Date.

There is an additional charge for this guaranteed income benefit.

If your Contract Value Increases, You have the right to "step-up" the guaranteed

benefit to the current Contract Value at certain intervals. We may modify the

charge for this rider if You elect to step-up.

At any point in time, the total guaranteed amount available for future periodic

surrenders is called the Guaranteed Remaining Balance (GRB). The surrender

amount that the Contract. Owner has the right to make each Contract Year until

the GRB is depleted Is called the Guaranteed Annual Withdrawal Benefit (GAWB).

However, at any time You may surrender an amount up to Your Contract Value.

GUARANTEED REMAINING BALANCE (GRB)

Your GRB is determined at the following times and is subject to a maximum GRB of

$5,000,000:

At Rider Effective Date

If this rider is effective on the Contract Issue Date, then the GRB equals the

premium payments. If this rider is effective after the Contract issue Date, then

the GRB equals 100% of the Contract Value on the rider effective date.

When a subsequent premium Payment is made

Upon each subsequent premium payment, the GRB is recalculated to equal the sum

of the GRB immediately prior to receipt of the subsequent premium payment, plus

100% of the subsequent premium payment. The Company reserves the right to

restrict subsequent premium payments.

When a partial surrender is made

Whenever a partial surrender is made, the GRB will be equal to the amount

determined In either (A) or (B) as follows:

A. If the total partial surrenders since the later of (1) the most recent

Contract Anniversary, or (2) the Valuation Day that the Guaranteed Annual

Withdrawal Benefit (GAWB) was last established (excluding establishments for

subsequent premium payments), are equal to or less than the GAWB, the GRB

becomes the GRB immediately prior to the partial surrender, less the amount

of partial surrender.

B. If the total partial surrenders as determined in (A) above exceed the GAWB,

the GRB will have an automatic reset to the greater of zero or the lesser of

(i) or (ii) as follows:

(i) the Contract Value immediately following the partial surrender; or

(ii) the GRB immediately prior to the partial surrender, less the amount

of partial surrender.

For purposes of this rider, the term "partial surrender" is a gross amount and

will include any Contingent Deferred Sales Charges.

GUARANTEED ANNUAL WITHDRAWAL BENEFIT (GAWB)

Your GAWB is established at the following times:

At Rider Effective Date

7% of the GRB.

When a subsequent premium payment is made

Upon each subsequent premium payment, the GAWB is recalculated to equal the sum

of 7% of the subsequent premium payment plus the GAWB immediately prior to the

subsequent premium payment.

When a partial surrender is made that causes an automatic reset of the GRB (as

determined in (B) above)

The new GAWB will be the lesser of (C), (D), or (E) as follows:

C. the GAWB immediately prior to the partial surrender; or

D. the greater of 7% of the reset GRB or 7% of the Contract Value immediately

following the partial surrender; or

E. the reset GRB.

When a partial surrender is made that reduces the GRB to an amount less than the

GAWB

Whenever a partial surrender is made that reduces the GRB to an amount less than

the GAWB, the GAWB is reduced to equal the GRB.

ELECTIVE STEP-UP OF THE GRB AND GAWB

At the times determined below, the Contract Owner may elect to Step-up the GRB

and if applicable, the GAWB as follows:

GRB Step-up

Beginning with the 5th anniversary date of the effective date of this rider, the

Contract Owner has the option to increase the GRB to an amount equal to 100% of

the current Contract Value (herein referred to as Step-up). Once a Step-up has

been elected, another Step-up may not be elected until on or after the 5th

anniversary of the latest Step-up date.

If the surviving spouse becomes the Contract Owner under the contract's Spouse

Beneficiary provision, the next Step-up may be elected at anytime thereafter.

This is allowed regardless if it occurs before the 5th anniversary date of the

effective date of this rider or if the latest Step-up occurred within the last

five years. Once this Step-up has been elected, another Step-up may not be

elected until on or after the 5th anniversary of this Step-up.

In the future, We may allow You to Step-up Your GRB only on a Contract

Anniversary.

GAWB Step-up

The GAWB Step-up is equal to the greater of (H) or (I) as follows:

H. the GAWB immediately prior to the Step-up; or

I. 7% of the Contract Value on the Step-up date.

CONTRACT VALUE REDUCES TO ZERO

If the Contract Value reduces to zero on a particular Valuation Day as a result

of a partial surrender and on such Valuation Day the GRB remains greater than

zero, the following will occur:

J. The GRB will be paid to You on a periodic basis elected by You. The

frequencies will be among those offered by Us at that time but will be

no less frequently than annually.

K. The total annual payment amount will equal the GAWB.

L. We will no longer accept subsequent premium payments.

GUARANTEED INCOME BENEFIT ANNUITY OPTION

In addition to the Annuity options available under the contract, the following

annuity option may be elected by You under this rider:

Fixed Payout -- Under this option, You are entitled to receive payments in a

fixed dollar amount for a stated number of years. The actual number of years

that payments will be made is determined on the calculation date by dividing the

GRB by the GAWB. The total annual amount payable under this option will equal

the GAWB but will not exceed the current GRB. This annualized amount will be

paid over the determined number of years in the frequency that You elect. The

frequencies will be among those offered by Us at that time but will be no less

frequently than annually. If, at the death of the Annuitant, payments have been

made for less than the stated number of years, the remaining payments will be

made to the Beneficiary.

This option may not be available if the contract is issued to qualify under

Section 401, 403, 408, or 457 of the internal Revenue Code of 1986, as amended.

For such contracts, this option will be available only if the guaranteed payment

period is less than the life expectancy of the annuitant at the time the option

becomes effective. Such life expectancy will be computed under the mortality

table then in use by Us.

This annuity option may be elected as a settlement option by the Beneficiary of

a contract. Whenever multiple Beneficiaries are designated under the contract,

each such Beneficiary's share of the proceeds if they elect this option will be

in proportion to their applicable designated Beneficiary percentage.

Beneficiaries of nonqualified contracts may elect this settlement option subject

to the Distribution Requirements section of the contract.

RIDER CHARGE

The charge for this rider is added to the net investment factor. The net

investment factor for each Sub-Account is:

M. the net asset value per share of the corresponding fund at the end of

the valuation period (plus the per share amount of any unpaid

dividends or capital gains by that fund); divided by

N. the net asset value per share of the corresponding fund at the

beginning of the valuation period; minus

O. the mortality and expense risk charge and any applicable

administration charge, adjusted for the number of days in the

valuation period; minus

P. the charge for this rider, adjusted for the number of days in the

valuation period.

The charge for this rider per annum of the daily value of the Sub-Accounts is [

0.75%], subject to a guaranteed maximum charge of [ 0.75%]. The rider charge may

change if You elect to Step-up the GRB. However, the rider charge will never

exceed the lesser of the maximum charge or the charge currently offered for this

same benefit under newly issued riders. If the GRB is never Stepped-up by the

Contract Owner, the charge established on the effective date of this rider will

never change. The rider charge will be discontinued once an Annuity option

available under the contract becomes effective.

Signed for HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

/s/ Xxxxxxxxx Xxxxx Xxxxxx /s/ Xxxxxx X. Xxxxx

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

Xxxxxxxxx Xxxxx Xxxxxx, SECRETARY Xxxxxx X. Xxxxx, PRESIDENT

AMENDMENT XX. 0 XX

XXXXXXXXX XXXXXXXXXXX XXXXXXXXX XX. 0000-00, DATED OCTOBER 1, 2000

between

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

(CEDING COMPANY)

and

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

(REINSURER)

Effective May 1, 2003, this Amendment is hereby attached to and becomes a part

of the above-described Reinsurance Agreement. It is mutually agreed that:

1. SCHEDULE B, INVESTMENT FUNDS, is hereby replaced by the attached revised

Schedule B, to describe various fund changes and additions as of the dates

shown.

2. With respect to reinsured contracts that elect the XXX Xxxxx (also known as

"Principal First") attached to Amendment 3 of this Agreement:

(a) EXHIBIT II, REINSURANCE PREMIUMS, is hereby replaced by the attached

revised Exhibit II, to set forth the reinsurance premiums, revised

in accordance with the provisions of Amendment 3, that are

applicable to contracts with the XXX Xxxxx;

(b) The revised reinsurance premiums shall apply as of the Effective Date

of this Amendment to inforce contracts reinsured hereunder that elect

the XXX Xxxxx on or after August 5, 2002;

CEDING COMPANY's fee charged to the contractholder for this XXX

xxxxx equals 0.35%. Should this fee differ in the future, the

reinsurance premiums will be revised accordingly;

(d) For monitoring purposes, the CEDING COMPANY shall indicate by code on

the seriatim data file (Schedule C) such contracts that elect the XXX

Xxxxx;

(e) As stated in Amendment 3, the REINSURER does not cover any benefit

resulting from the XXX Xxxxx.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

This Amendment does not alter, amend or modify the Reinsurance Agreement other

than as set forth in this Amendment, and it is subject otherwise to all the

terms and conditions of the Reinsurance Agreement together with all Amendments

and supplements thereto.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxx Date: June 11, 2003

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

Name/Title Xxxxxxx X. Xxxx, Vice President

Attest: /s/ [ILLEGIBLE]

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

Name/Title [ILLEGIBLE], Assistant Actuary

AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY

By: /s/ Xxxxxxx X. Xxxxxxxx Date: 4 June 2003

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

Xxxxxxx X. Xxxxxxxx, Senior Vice President

By: /s/ Xxxxx Xxxxx

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

Xxxxx Xxxxx, Vice President

Attest: /s/ Xxxxx Xxxxxxx

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

Xxxxx Xxxxxxx, Assistant Vice President

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

SCHEDULE B

INVESTMENT FUNDS

THE DIRECTOR OUTLOOK VARIABLE ANNUITY SERIES

FUNDS AND STATUS CHANGE

DIRECTOR OUTLOOK VARIABLE ANNUITY

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 Opportunities Fund

Hartford Dividend and Growth Fund

Hartford Global Advisors Fund (NAME CHANGED 5/1/01; FORMERLY Hartford

International Advisers Fund)

Hartford MidCap Fund (CLOSED TO NEW MONEY 6/29/01)

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

Hartford MidCap Value Fund (ADDED 5/1/01)

Hartford International Capital Appreciation Fund (ADDED 5/1/01)

Hartford International Small Company Fund (ADDED 5/1/01)

Hartford Value Fund (ADDED 5/1/01)

Hartford Global Financial Services Fund (ADDED 5/1/01)

Hartford Global Communications Fund (ADDED 5/1/01)

Hartford Focus Fund (ADDED 5/1/01)

Hartford US Government Securities Fund (ADDED 5/1/02)

Hartford Value Opportunities Fund (ADDED 5/1/02)

Hartford Growth Opportunities Fund (ADDED 5/1/02)

Hartford Small Cap Growth Fund (ADDED 5/1/02)

Hartford Growth Fund (ADDED 5/1/02)

THE ABOVE FUNDS WILL BE REFERRED TO AS THE HARTFORD CORE FUNDS.

DIRECTOR SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED 3/7/02)

Hartford Core Funds

Xxxxxxx Xxxxx Global Growth V.I. Fund (NAME CHANGED 5/1/02; FORMERLY

Xxxxxxx Xxxxx Global Growth Focus Fund)

Xxxxxxx Xxxxx Large Cap V.I. Fund (NAME CHANGED 5/1/02; FORMERLY

Xxxxxxx Xxxxx Large Cap Growth Focus Fund)

DIRECTOR PREFERRED OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

First American International Fund (ADDED 1/29/01)

First American Large Cap Growth Fund (ADDED 1/29/01)

First American Technology Fund (ADDED 1/29/01)

First American Mid Cap Growth Fund (ADDED 10/15/01)

First American Small Cap Growth Fund (ADDED 10/15/01)

DIRECTOR ELITE OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Prudential 20/20 Focus Fund (ADDED 3/1/01)

Prudential Xxxxxxxx Growth Fund (ADDED 3/1/01)

Prudential Xxxxxxxx International Growth Fund (ADDED 3/1/01)

Prudential Value Fund (ADDED 3/1/01)

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

SCHEDULE B

INVESTMENT FUNDS

THE DIRECTOR OUTLOOK VARIABLE ANNUITY SERIES

FUNDS AND STATUS CHANGES

CLASSIC DIRECTOR OUTLOOK VARIABLE ANNUITY (ADDED 9/19/02)

Hartford Core Funds

STI Classic VT Capital Appreciation Fund

STI Classic VT Growth and Income Fund

STI Classic VT Mid-Cap Equity Fund

STI Classic VT Value Income Stock Fund

XXXXX FARGO DIRECTOR OUTLOOK VARIABLE ANNUITY

Hartford Core Funds

Xxxxx Fargo VT Small Cap Growth Fund (ADDED 11/1/01)

Xxxxx Fargo VT Large Company Growth Fund (ADDED 11/1/01)

Xxxxx Fargo VT International Equity Fund (ADDED 11/1/01)

Xxxxx Fargo VT Growth Fund (ADDED 11/1/01)

Xxxxx Fargo VT Equity Value Fund (ADDED 11/1/01)

Xxxxx Fargo VT Equity Income Fund (ADDED 11/1/01)

Xxxxx Fargo VT Asset Allocation Fund (ADDED 11/1/01)

Xxxxx Fargo VT Total Return Bond Fund (NAME CHANGED 5/1/03; FORMERLY

Xxxxx Fargo VT Corporate Bond FundADDED 11/1/01)

Xxxxx Fargo VT Money Market Fund (ADDED 11/1/01)

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment Xx. 0

XXXXXXXX X

XXXXXXXXXX XXXXX

XXXXXX HARTFORD CAPITAL MANAGER OUTLOOK VARIABLE ANNUITY (FORMERLY THE XXXXXX

HARTFORD CAPITAL ACCESS II VARIABLE ANNUITY SERIES

FUNDS AND STATUS CHANGES

Xxxxxx VT American Government Income

Xxxxxx VT Capital Appreciation Fund (ADDED 11/1/00)

Xxxxxx VT Diversified Income Fund

Xxxxxx VT The Xxxxxx Xxxxxx Fund of Boston

Xxxxxx VT Global Asset Allocation Fund

Xxxxxx VT Equity Fund (NAME CHANGED 10/11/02; FORMERLY Xxxxxx VT

Global Growth Fund)

Xxxxxx VT Growth and Income Fund

Xxxxxx VT Growth Opportunities Fund

Xxxxxx VT Health Sciences Fund

Xxxxxx VT High Yield Fund

Xxxxxx VT Income Fund

Xxxxxx VT International Equity Fund (NAME CHANGED 5/1/03; FORMERLY

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

Xxxxxx VT Discovery Growth Fund (NAME CHANGED 5/1/03; FORMERLY Xxxxxx

VT Voyager II Fund ADDED 11/1/00)

Xxxxxx VT Capital Opportunities Fund (ADDED 5/1/03)

Xxxxxx VT Equity Income Fund (ADDED 5/1/03)

Xxxxxx VT Mid Cap Value Fund (ADDED 5/1/03)

THE ABOVE FUNDS WILL BE REFERRED TO AS XXXXXX CORE FUNDS.

HISTORICAL CHANGES

XXXXXX HARTFORD CAPITAL MANAGER OUTLOOK VARIABLE ANNUITY

Xxxxxx VT Asia Pacific Growth Fund MERGED 10/11/02 INTO Xxxxxx VT

International Growth Fund

Xxxxxx VT Technology Fund ADDED 7/17/00, THEN MERGED 10/11/02 INTO

Xxxxxx VT Voyager Fund II

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

SCHEDULE B

INVESTMENT FUNDS

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY SERIES

FUNDS AND STATUS CHANGES

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY

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 Blue Chip Income and Growth Fund (ADDED 7/5/01)

American Funds New World Fund

Franklin Real Estate Fund (CLOSED TO NEW SALES 5/1/02)

Franklin Small Cap Fund

Franklin Strategic Income Securities Fund

Franklin Mutual Shares Securities Fund

Templeton Global Asset Allocation Fund (NAME CHANGED AND CLOSED TO NEW

SALES 5/1/02; FORMERLY Templeton Asset Strategy Fund)

Xxxxxxxxx Developing Markets Securities Fund

Templeton Growth Securities Fund

Templeton Foreign Securities Fund (NAME CHANGED 5/1/02; FORMERLY

Xxxxxxxxx International Securities Fund)

Hartford Money Market Fund

MFS Capital Opportunities Series Fund

MFS Emerging Growth Series Fund

MFS Global Equity Series Fund

MFS Investors Growth Stock Series Fund

MFS Investors Trust Series Fund

MFS High Income Series Fund

MFS Mid-Cap Growth Series Fund

MFS New Discovery Series Fund

MFS Total Return Series Fund

AIM V.I. Aggressive Growth Fund (ADDED 9/20/01)

AIM V.I. Basic Value Fund (ADDED 9/20/01)

AIM V.I. Blue Chip Fund (ADDED 9/20/01)

AIM V.I. Capital Appreciation Fund (ADDED 9/20/01)

AIM V.I. Dent Demographics Trends Fund (ADDED 9/20/01)

AIM V.I. Government Securities Fund (ADDED 9/20/01)

AIM V.I. International Growth Fund (NAME CHANGED 5/1/02; FORMERLY AIM

V.I. International Equity Fund ADDED 9/20/01)

AIM V.I. Mid Cap Core Equity Fund (NAME CHANGED 5/1102; FORMERLY AIM

V.I. Mid Cap Equity Fund ADDED 9/20/01)

AIM V.I. Premier Equity Fund (NAME CHANGED 5/1/02: FORMERLY AIM V.I.

Value Fund ADDED 9/20/01)

Franklin Income Securities Fund (ADDED 5/1/02)

Franklin Large Cap Growth Securities Fund (ADDED 5/1/02)

Franklin Mutual Discovery Securities Fund (ADDED 5/1/03)

Franklin Rising Dividends Securities Fund (ADDED 5/1/03)

MFS Value Series (ADDED 5/1/03)

THE ABOVE FUNDS WILL BE REFERRED TO AS LEADERS CORE FUNDS.

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

SCHEDULE B

INVESTMENT FUNDS

HARTFORD LEADERS SOLUTION OUTLOOK VARIABLE ANNUITY (ADDED 3/7/02)

Leaders Core Funds

Xxxxxxx Xxxxx Global Growth V.I. Fund (NAME CHANGED 5/1/02; FORMERLY

Xxxxxxx Xxxxx Global Growth Focus Fund)

Xxxxxxx Xxxxx Large Cap V.I. Fund (NAME CHANGED 5/1/02; FORMERLY

Xxxxxxx Xxxxx Large Cap Growth Focus Fund)

HARTFORD LEADERS ELITE OUTLOOK VARIABLE ANNUITY

Leaders Core Funds

Prudential Xxxxxxxx Growth Fund (ADDED 3/1/01)

Prudential Xxxxxxxx International Growth Fund (ADDED 3/1/01)

Prudential Value Fund (ADDED 3/1/01)

Prudential 20/20 Focus Fund (ADDED 3/1/01)

CLASSIC HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY (ADDED 9/19/02)

Leaders Core Funds

STI Classic VT Capital Appreciation Fund

STI Classic VT Growth and Income Fund

STI Classic VT Mid-Cap Equity Fund

STI Classic VT Value Income Stock Fund

SECTION OF HISTORICAL CHANGES

HARTFORD LEADERS OUTLOOK VARIABLE ANNUITY

Franklin Technology Securities Fund merged into Franklin Small Cap

Fund 5/1/03.

End...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

EXHIBIT II

REINSURANCE PREMIUMS

FOR CONTRACTS WITHOUT THE GIB -- PRINCIPAL FIRST RIDER

[REDACTED]

* The current maximum premium rate shall be in effect for a minimum of twenty

(20) years from the Effective Date of this Reinsurance Agreement.

Thereafter, it may be increased based on expected experience but not beyond

the stated guaranteed maximum rates shown.

CONTINUED ON NEXT PAGE...

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

EXHIBIT II

REINSURANCE PREMIUMS (CONTINUED)

FOR CONTRACTS WITH THE GIB -- PRINCIPAL FIRST RIDER

EFFECTIVE MAY 1, 2003 FOR GIB ELECTIONS OCCURRING ON OR AFTER AUGUST 5, 2002

[REDACTED]

* The current maximum premium rate shall be in effect at least through

September 30, 2020. Thereafter, it may be increased based on expected

experience but not beyond the stated guaranteed maximum rates shown.

Hartford Life and Annuity Treaty No. 2000-25, Effective October 1, 2000

Amendment No. 4

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AUTOMATIC REINSURANCE AGREEMENT between HARTFORD LIFE AND ANNUITY INSURANCE COMPANY Simsbury, Connecticut (hereinafter referred to as the CEDING COMPANY) and AXA CORPORATE SOLUTIONS LIFE REINSURANCE COMPANY New York, New York (hereinafter referred to...

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