0001193125-12-474266 Sample Contracts

Participation Agreement as of November 1, 2012 Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc. First Symetra National Life Insurance Company of New York Symetra Securities, Inc. CONTENTS
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • California

With respect to the following agreement(s) (altogether, the “Agreement”) (please reproduce and complete table for multiple agreements):

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FUND PARTICIPATION AGREEMENT First Symetra National Life Insurance Company of New York Columbia Funds Variable Series Trust II Columbia Management Investment Advisers, LLC and Columbia Management Investment Distributors, Inc. November , 2012
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Massachusetts

THIS PARTICIPATION AGREEMENT, made and entered into as of this 15th day of November, 2012, by and among FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK (the “Company”), a New York life insurance company, on its own behalf and on behalf of its separate accounts (the “Accounts”); COLUMBIA FUNDS VARIABLE SERIES TRUST II, an open-end management investment company organized under the laws of the State of Delaware (the “Fund”); COLUMBIA MANAGEMENT INVESTMENT ADVISERS, LLC (the “Adviser”), a Minnesota limited liability company; and COLUMBIA MANAGEMENT INVESTMENT DISTRIBUTORS, INC. (the “Distributor”), a Delaware corporation.

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Massachusetts

This Fund Participation Agreement (the “Agreement”), effective as of 9/1, 2012, is made by and among First Symetra National Life Insurance Company of New York (“Company”), JPMorgan Insurance Trust (the “Trust”), the Trust’s investment advisor, JPMorgan Investment Management Inc. (the “Adviser”), and the Trust’s administrator, JPMorgan Funds Management, Inc. (the “Administrator”).

PARTICIPATION AGREEMENT Among VAN ECK VIP TRUST, VAN ECK SECURITIES CORPORATION, VAN ECK ASSOCIATES CORPORATION and FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York

THIS AGREEMENT, made and entered into to be effective on August 27,2012 by and among First Symetra National Life Insurance Company of New York (hereinafter the (“Company”), a New York corporation, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto and incorporated herein by this reference, as such Schedule A may from time to time be amended by mutual written agreement of the parties hereto (each such account hereinafter referred to as the “Account”), and VAN ECK VIP TRUST, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (hereinafter the “Fund”), VAN ECK SECURITIES CORPORATION (hereinafter the “Underwriter”), a Delaware corporation and VAN ECK ASSOCIATES CORPORATION (hereinafter the “Adviser”), a Delaware corporation.

JANUS ASPEN SERIES FUND PARTICIPATION AGREEMENT (Institutional Shares)
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Colorado

THIS AGREEMENT is made this 7th day of August, 2012, between JANUS ASPEN SERIES, an open-end management investment company organized as a Delaware statutory trust (the “Trust”), and First Symetra National Life Insurance Company of New York, a life insurance company organized under the laws of the State of New York (the “Company”), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the “Accounts”).

PARTICIPATION AGREEMENT
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York

THIS AGREEMENT, made and entered into as of the 21 day of August, 2012 by and among First Symetra National Life Insurance Company of New York (hereinafter the “Company”), a life insurance company organized under the laws of New York, on its own behalf and on behalf of each separate account of the Company set forth on Schedule B hereto as may be amended from time to time (each such account hereinafter referred to as the “Account”), and ROYCE CAPITAL FUND (hereinafter the “Fund”), a Delaware statutory trust, and ROYCE FUND SERVICES, INC., a New York corporation (the “Distributor”).

PARTICIPATION AGREEMENT Among FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK, PIMCO VARIABLE INSURANCE TRUST, PIMCO EQUITY SERIES VIT, and PIMCO INVESTMENTS LLC
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • California

THIS AGREEMENT, dated as of the 1st day of October, 2012, by and among First Symetra National Life Insurance Company of New York, (the “Company”), an New York life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each account hereinafter referred to individually and collectively as the “Account”), PIMCO Variable Insurance Trust and PIMCO Equity Series VIT (each a “Fund” and together the “Funds”), each a Delaware statutory trust, and PIMCO Investments LLC (the “Underwriter”), a Delaware limited liability company.

PARTICIPATION AGREEMENT BY AND AMONG AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS), INVESCO DISTRIBUTORS, INC., FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK, ON BEHALF OF ITSELF AND ITS SEPARATE ACCOUNTS, AND SYMETRA...
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Delaware

THIS PARTICIPATION AGREEMENT, made and entered into as of the 1st day of November, 2012 (“Agreement”), by and among AIM Variable Insurance Funds (Invesco Variable Insurance Funds), a Delaware Trust (“AVIF (IVIF)”), Invesco Distributors, Inc., a Delaware corporation (“INVESCO”), First Symetra National Life Insurance Company of New York, a New York life insurance company (“LIFE COMPANY”), on behalf of itself and each of its segregated asset accounts listed in Schedule A hereto, as the parties hereto may amend from time to time (each, an “Account,” and collectively, the “Accounts”); and Symetra Securities, Inc., an affiliate of LIFE COMPANY and the principal underwriter of the Contracts (“UNDERWRITER”) (collectively, the “Parties”).

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Delaware

(This and related steps may occur later in the chronological process due to possible uncertainties relating to the proposals.)

PARTICIPATION AGREEMENT BETWEEN AND AMONG SYMETRA MUTUAL FUNDS TRUST SYMETRA SECURITIES, INC. AND FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Washington

THIS AGREEMENT, made and entered into this 14th day of September, 2012 (the “Agreement”) by and among First Symetra National Life Insurance Company of New York, a life insurance company organized under the laws of the state of New York (the “Company”), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement (each, an “Account” and collectively, the “Accounts”); Symetra Mutual Funds Trust, a statutory trust organized under the laws of the State of Delaware (the “Trust”); and Symetra Securities, Inc., corporation organized under the laws of the State of Delaware and principal underwriter of the shares of the Trust (the “Distributor”).

FUND PARTICIPATION AGREEMENT Among FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK Sentinel Variable Products Trust Sentinel Asset Management and Sentinel Financial Services, Inc.
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York

THIS AGREEMENT, made and entered into as of this 7th day of November, 2012 by and among FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK (hereinafter “FIRST SYMETRA” and “Insurance Party,”), a New York life insurance company, on its own behalf and on behalf of its separate accounts listed on Schedule B attached hereto (the “FIRST SYMETRA Accounts”); Sentinel Variable Products Trust, a business trust organized under the laws of Delaware (hereinafter the “Fund”); Sentinel Asset Management, Inc (hereinafter the “Adviser”), a corporation organized under the laws of Vermont; and Sentinel Financial Services, Inc (hereinafter the “Distributor” or “SFSC”) a general partnership organized under the laws of Vermont.

AMENDMENT # 1 TO PARTICIPATION AGREEMENT
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S
WITNESSETH:
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S
FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York

THIS AGREEMENT is executed as of September 5,2012, and effective as of September 1,2012, by and among BLACKROCK VARIABLE SERIES FUNDS, INC. an open-end management investment company organized as a Maryland corporation (the “Fund”), BLACKROCK INVESTMENTS, LLC (“BRIL”), a broker-dealer registered as such under the Securities Exchange Act of 1934, as amended (the “Underwriter”), and FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK, a life insurance company organized under the laws of the state of New York (“Company”), on its own behalf and on behalf of each separate account of the Company set forth on Schedule A, as may be amended from time to time (the “Accounts”).

PARTICIPATION AGREEMENT BY AND AMONG CALVERT VARIABLE SERIES, INC., CALVERT VARIABLE PRODUCTS, INC. CALVERT INVESTMENT DISTRIBUTORS, INC. FIRST SYMETRA NATIONAL LIFE INSURANCE COMPANY OF NEW YORK, ON BEHALF OF ITSELF AND ITS SEPARATE ACCOUNTS, AND...
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Maryland

THIS AGREEMENT, made and entered into as of the 12th day of September, 2012 (“Agreement”), by and among Calvert Variable Series, Inc., a Maryland corporation (“CVS”), Calvert Variable Products, Inc. (“CVP”, and CVP together with CVS, the “Funds” and each a “Fund”), Calvert Investment Distributors, Inc., a Delaware corporation (“CID”), First Symetra National Life Insurance Company of New York., a New York life insurance company (“LIFE COMPANY”), on behalf of itself and each of its segregated asset accounts listed in Schedule A hereto, as the parties hereto may amend from time to time (each, an “Account,” and collectively, the “Accounts”) and Symetra Securities, Inc., a Washington corporation and an affiliate of LIFE COMPANY and the First Symetra underwriter of the Contracts (“UNDERWRITER” and, together with CVS, CID and LIFE COMPANY, the “Parties”).

ARTICLE I DEFINITIONS
Fund Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York
Reinsurance Agreement #I414665US-12 This Automatic Self Administered YRT Reinsurance Agreement Effective June 1, 2012 (hereinafter referred to as the “Agreement”) is made between Symetra Life Insurance Company a Washington State insurance company...
Reinsurance Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • Washington

This Agreement is an indemnity reinsurance agreement solely between the Company and the Reinsurer. The acceptance of risks under this Agreement by the Reinsurer will create no right or legal relation between the Reinsurer and the insured, owner, beneficiary, or assignee of any insurance policy of the Company.

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PARTICIPATION AGREEMENT
Participation Agreement • November 16th, 2012 • First Symetra National Life Insurance Co of Ny Sep Acct S • New York
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