FOURTH ADDENDUM TO PARTICIPATION AGREEMENT

Exhibit (h)(ii)(b)

FOURTH

ADDENDUM

TO

PARTICIPATION AGREEMENT

(1) ADDENDUM dated January __, 2005, to the PARTICIPATION AGREEMENT (the “PARTICIPATION AGREEMENT”) among XXXXX VARIABLE ACCOUNT FUND, INC., XXXXX DISTRIBUTORS, LLC. and THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC. dated June 29, 1999; First Addendum dated March 31, 2000; Second Addendum dated October 5, 20/00; and Third Addendum dated July 29, 2004.

In consideration of the mutual benefits which the parties anticipate, they hereby agree to amend the PARTICIPATION AGREEMENT as follows:

I. In addition to the Accounts already listed on Schedule A, the following Account is added:

Name of Account

Guardian Separate Account F

Separate Account Established February 24, 2000

Separate Account Registration Date December 22, 2004

Marketing Name: The Guardian CXC Variable Annuity Contract

Guardian Separate Account Q

Separate Account Established March 14, 2002

Separate Account Registration Date July 15, 2002

Marketing Name: The Guardian Investor Income Access Variable Annuity Contract

Guardian Separate Account R

Separate Account Established March 12, 2003

Separate Account Registration Date December 29, 2003

Marketing Name: The Guardian Investor Asset Builder Variable Annuity Contract

All other terms of the PARTICIPATION AGREEMENT remain unchanged.

-1-

IN WITNESS WHEREOF, the parties have duly executed and sealed this ADDENDUM, all as of the date first written above.

THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC.
(“Insurance Company”)
By its authorized officer,
By:
Title:
Date:
XXXXX VARIABLE ACCOUNT FUND
(“Company”)
By its authorized officer,
By:
Title:		Vice President
Date:
XXXXX DISTRIBUTORS, LLC
(“Xxxxx Distributors”)
By its authorized officer,
By:
Title:		Vice President
Date:

-2-