0000853285-02-000004 Sample Contracts

Combination Variable and Fixed Group Annuity Contract Nonparticipating
Sun Life of Canada U S Variable Account F • February 14th, 2002

This group contract is the legal contract between the group contract owner and Sun Life Assurance Company of Canada (U.S.) (the "Company", "us" or "we"). We agree to provide the rights and benefits described in this group contract to the persons entitled in the manner set forth herein, subject to the provisions on the pages which follow.

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