0001370001-06-000013 Sample Contracts

AMENDMENT TO PARTICIPATION AGREEMENT AMENDMENT NO. 3
Participation Agreement • November 9th, 2006 • Sun Life (N.Y.) Variable Account J

THIS AGREEMENT made the 17th day of February, 1998, and amended on December 9, 1998, March 15, 1999 and April 17, 2000, by and among The Alger American Fund (the "Trust"), an open-end management investment company organized as a Massachusetts business trust, Sun Life Assurance Company of Canada (U.S.), a life insurance company organized as a corporation under the laws of the State of Delaware, Sun Life Insurance and Annuity Company of New York, a life insurance company organized as a corporation under the laws of the State of New York, each of which is hereinafter referred to as (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth in Schedule B, as may be amended from time to time (the "Accounts"), and Fred Alger and Company, Incorporated, a Delaware corporation, the Trust's distributor (the "Distributor").

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AMENDMENT NO. 1 TO PARTICIPATION AGREEMENT Effective October 1, 2006
Participation Agreement • November 9th, 2006 • Sun Life (N.Y.) Variable Account J

The Participation Agreement, dated May 1, 2004, by and among The Universal Institutional Funds, Inc., Morgan Stanley & Co. Incorporated, Morgan Stanley Investment Management Inc. and Sun Life Assurance Company of Canada (U.S.) is amended as follows:

AMENDMENT ONE EFFECTIVE OCTOBER 1, 2006
Effective October • November 9th, 2006 • Sun Life (N.Y.) Variable Account J

THE PARTICIPATION AGREEMENT, made and entered into as of the 1st day of September, 2005 by and among SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), ROYCE CAPITAL FUND and ROYCE & ASSOCIATES, LLC is amended as follows:

AMENDMENT ONE Effective October 1, 2006
Participation Agreement • November 9th, 2006 • Sun Life (N.Y.) Variable Account J

The Fund Participation Agreement between Janus Aspen Series, Janus Distributors LLC and Sun Life Assurance Company of Canada (U.S.) is amended as follows:

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