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CNA LIFE RE

REINSURANCE AGREEMENT

EFFECTIVE

APRIL 1, 1999

BETWEEN

CONTINENTAL ASSURANCE COMPANY

AND

HARTFORD LIFE

& ANNUITY COMPANY

GUARANTEED MINIMUM DEATH BENEFIT

REINSURANCE AGREEMENT

CEDING COMPANY: HARTFORD LIFE & ANNUITY COMPANY

(hereinafter referred to as the "Ceding Company")

REINSURER: CONTINENTAL ASSURANCE COMPANY OF CHICAGO, ILLINOIS

(hereinafter referred to as "Continental")

EFFECTIVE DATE: April 1, 1999

Commencing on the effective date, the Ceding Company will submit and Continental

agrees to accept, the Ceding Company's Guaranteed Minimum Death Benefit (GMDB)

risks as defined in Schedule B, the Accepted Coverage Schedule, subject to the

provisions of this agreement.

TABLE OF CONTENTS

ARTICLES TITLE PAGE

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

I Automatic reinsurance 3

II Reinsurance premiums and reporting 3

III Errors and omissions 5

IV Forms 5

V Claims 5

VI Recapture 7

VII Inspection of records 7

VIII Confidentiality 8

IX Insolvency 8

X Termination charge 9

XI Parties to the agreement 10

XII Duration of agreement 10

XIII Arbitration 10

XIV Currency 11

XV Choice of law and forum 11

XVI Dac tax 11

XVII Premium tax 12

XVIII Entire contract 12

SCHEDULES

A Automatic Acceptance Limits 15

B Accepted Coverage 17

C Premium Rates 18

D Reporting Format 19

E Sub-Accounts 20

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ARTICLE I

AUTOMATIC REINSURANCE

1. Beginning with the effective date of this agreement, the Ceding Company will

cede and Continental will accept, subject to the limits and conditions set forth

in this Agreement and the Schedules attached thereto, reinsurance of the GMDB

attached to the Variable Annuity Contracts listed in Schedule B. The GMDB

reinsurance benefit is as described in the rider shown in Schedule A.

2. This agreement covers only the Ceding Company's liability on claims under

Variable Annuity Contracts that Continental has reviewed prior to issuance.

Approved GMDB forms, Variable Annuity Contracts and Annuity Contract Forms are

listed in Schedule B.

3. If the Ceding Company intends to cede to Continental liability with respect

to a new annuity contract, or a revised version of an annuity contract where

such revision effects the GMDB, it must provide Continental written notice of

such intention together with a copy of the proposed annuity contract, or

revision. Continental must approve all such additions/revisions in writing.

Continental will respond to the Ceding Company within thirty (30) days after

receipt of the additions/revisions.

4. The Ceding Company will not change its existing published limits and rules

relating to GMDB as stated in its prospectus in effect as of April 1, 1999.

Continental shall have no liability pursuant to revised limits and rules unless

the Ceding Company provides written notice to Continental of such changes and

Continental provides written notice to the Ceding Company that such revised

limits and rules are acceptable. Continental will respond to the Ceding Company

within thirty (30) days after receipt of the changes.

ARTICLE II

REINSURANCE PREMIUMS AND REPORTING

1. REINSURANCE PREMIUMS

[REDACTED]

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2. REINSURANCE REPORTING

A. Within 30 days from the close of the calendar month, the Ceding

Company will forward to Continental a statement or electronic medium

reflecting the premiums due including any adjustments from the prior

month. The Ceding Company will also remit a check for the balance due

or will submit a request for payment of any net amount due from

Continental. No interest is payable on amounts paid within 30 days

from the date the statement is prepared.

B. If the amounts described in this Article cannot be determined by said

due dates on an exact basis, such payments will be made with a

generally agreed upon formula which will approximate the actual

payments. Adjustments will then be made to reflect actual amounts

when they become available.

3. UNPAID PREMIUMS

A. If any reinsurance premium is not paid within the allotted time,

Continental may terminate the reinsurance on unpaid policies by

giving the Ceding Company written notice. The Ceding Company will be

liable for the payment of reinsurance premiums to the effective date

of termination. Failure by Continental to exercise its right under

this paragraph in any specific situation will not be a waiver of

Continental's right to do so at a later date.

B. Continental will reinstate the reinsurance at any time within sixty

(60) days following such termination if the Ceding Company makes

payment, with interest, of all reinsurance premiums due and payable

up to the date of reinstatement and provides full disclosure of all

claims for which it has received notice between dates of termination

and reinstatement. Continental will refund, with interest, any

termination charge that was assessed against the due and unpaid

policies at the time of reinstatement. Interest amounts will be

calculated using the 7 year Constant Maturity Treasury rate reported

for the last working day of that calendar month as reported in the

Federal Reserve H15 Report. Continental will be liable for

reinsurance on only those claims incurred by the Ceding Company

between the dates of termination and reinstatement if the Ceding

Company disclosed at the time it requested reinstatement of such

policies all claims for which it has received notice. All such claims

will be subject to the claims provisions specified in Article V.

C. Balances remaining unpaid by either party for more than 30 days from

the date due will incur interest retroactive from the due date of the

balance to the date of actual payment. Interest amounts will be

calculated using the 7 year Constant Maturity Treasury rate reported

for the last working day of that calendar month as reported in the

Federal Reserve H15 Report.

4. OFFSET

Continental and the Ceding Company may exercise at any time the right to offset

any undisputed debits or credits, liquidated or unliquidated, whether on account

of premiums or on account of losses or otherwise, due from either party to the

other under this agreement.

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5. QUARTERLY RESERVE AND VALUATION INFORMATION

The reserve held by Continental for reinsurance of the variable annuity death

benefit will be determined in accordance with the NAIC Actuarial Guideline

XXXIV, but in no event less than the required statutory reserve in the state of

domicile of the Ceding Company or such other state in which it conducts

business. If Continental is not an admitted reinsurer in all jurisdictions where

the Ceding Company conducts business, Continental will purchase, at

Continental's expense, a Letter of Credit to enable the Ceding Company to take

reinsurance credit appropriately for all liabilities under this Agreement.

6. SELF ADMINISTERED REPORTING REQUIREMENTS

The Ceding Company will not change its existing self administered reporting

practices in effect on or after the effective date, unless the Ceding Company

notifies Continental in writing and Continental approves of such changes. If the

reporting practices of the Ceding Company deteriorate to the point that

Continental cannot properly administer the risks reinsured under this agreement,

has been notified of such deterioration in writing by Continental and has not

remedied such deterioration within 30 days of receipt of notice, then

Continental reserves the right to terminate this agreement within 15 business

days of receiving the notice of non-remedy.

ARTICLE III

ERRORS AND OMISSIONS

This Agreement will not be abrogated by the failure of either the Ceding Company

or Continental to comply with any of the terms of this Agreement if it is shown

that said failure was unintentional and the result of a misunderstanding,

oversight or clerical error on the part of either the Ceding Company or

Continental. Both parties will be returned to the position they would have

occupied had no such oversight, misunderstanding or clerical error occurred.

This provision will cease five years after the termination of the last contract

known to be reinsured under this agreement.

ARTICLE IV

FORMS

The Ceding Company will furnish Continental with any specimen copies of its

applications, forms, and any tables of rates and values which may be required

for the proper administration of the business reinsured under this agreement,

and will keep Continental informed with proper documentation as to any

modifications or new forms which would be required for the proper administration

of reinsurance under this agreement.

ARTICLE V

CLAIMS

1. The Ceding Company is solely responsible for payment of its claims under the

underlying Annuity Contracts identified in Schedule B.

2. The Ceding Company will determine the Guaranteed Minimum Death Benefit for

each deceased annuitant and/or owner.

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3. Claims are self administered.

4. The amount payable or paid on such claim, will be furnished to Continental

when the claim payment is reported to Continental.

5. Continental will be liable to the Ceding Company for the benefits reinsured

hereunder to the same extent as the Ceding Company is liable to the

contractowner for such benefits, and all reinsurance will be subject to the

terms and conditions of the contract under which the Ceding Company will be

liable.

6. Continental will pay its share in a lump sum to the Ceding Company without

regard to the form of claim settlement of the Ceding Company.

7. Continental agrees to pay to the Ceding Company a proportionate share of any

interest paid out to the claimant by the Ceding Company. Continental's liability

to pay interest will be discharged on the date that Continental issues payment

to the Ceding Company.

8. Continental reserves the right to offset any claim payments in accordance

with Article II - 4.

9. Claims remaining unpaid by Continental for more than 30 days after the

receipt of final papers will incur interest calculated from that date using the

7 year Constant Maturity Treasury Rate as reported for the last working date of

that month in the Federal Reserve H15 Report.

10. The Ceding Company will promptly notify Continental of its intention to

contest benefits reinsured under this agreement or to assert defenses to a claim

for such benefits. If Continental agrees to participate in the contest or

assertion of defenses and the Ceding Company's contest of such benefits results

in the reduction of its liability. Continental will share in such reduction in

proportion to Continental's liability. If Continental declines to participate in

the contest or assertion of defenses, Continental will discharge all of its

liability by payment of the full amount of the reinsurance to the Ceding

Company.

11. Continental will pay its share of the unusual expenses of the contest in

addition to its share of the claim itself. Routine expenses incurred in the

normal settlement of uncontested claims, including interpleader cases, and the

salary of an officer or employee of the Ceding Company, are excluded from this

provision.

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12. If Continental participates in the contest, in no event will Continental

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 benefits reinsured under

this Agreement. Continental will, however, pay its share of statutory penalties

awarded against the Ceding Company in connection with benefits reinsured under

this Agreement if Continental elected to join in the contest of the coverage in

question. The parties recognize that circumstances may arise in which equity

would require Continental, to the extent permitted by law, to share

proportionately in certain assessed damages. Such circumstances are difficult to

define in advance, but generally would be those situations in which Continental

was an active party and directed, consented to, or ratified the act, omission,

or course of conduct of the Ceding Company which ultimately results in the

assessment of punitive and/or compensatory damages. In such situations, the

Ceding Company and Continental would share such damages so assessed in equitable

proportions. Routine expenses incurred in the normal settlement of uncontested

claims, in the submission of interpleaders and the salary of an officer or

employee of the Ceding Company are excluded from this provision.

13. For purposes of this provision, the following definitions will apply:

14. "Punitive Damages" are those damages awarded as a penalty, the amount of

which is not governed nor fixed by statute;

15. "Statutory Penalties" are those amounts which are awarded as a penalty, but

fixed in amount by statute;

16. "Compensatory Damages" are those amounts awarded to compensate for the

actual damages sustained, and are not awarded as penalty, nor fixed in amount by

statute.

ARTICLE VI

RECAPTURE PRIVILEGE

Recapture is not available.

ARTICLE VII

INSPECTION OF RECORDS

Continental will have the right, at any reasonable time, to inspect, at the

office of the Ceding Company, all books, records and documents relating to the

reinsurance under this Agreement.

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ARTICLE VIII

CONFIDENTIALITY

Continental and the Ceding Company may come into the possession or knowledge of

Confidential Information of either party in fulfilling their obligations under

this agreement. Continental and the Ceding Company agree to hold such

information in confidence and to take all reasonable steps to ensure that such

Confidential Information is not disclosed in any form by any means by its

employees or third parties of any kind, except by advance written authorization

by an officer of Continental or the Ceding Company; provided however, that

Continental and the Ceding Company will be deemed to have satisfied their

obligations as to the Confidential Information by protecting its confidentiality

in the same manner that they would protect their own proprietary or confidential

information of like kind which will be at least a reasonable manner or, if it is

determined that such disclosure is necessary in order to avoid a violation or

potential violation of legal obligations in accordance with the following:

1. If Continental or the Ceding Company, their employees, directors or advisers

are requested or required (by oral questions, interrogatories, requests for

information or documents, subpoena, civil investigative demand or similar

process) to disclose Confidential Information, it will promptly notify the other

party in writing. The party notified will promptly determine whether to contest

such attempted discovery by legal means or to waive compliance by the notifying

party with the terms of this Agreement. If, in the opinion of its counsel,

Continental or the Ceding Company is subject to contempt, sanction or other

penalty for failure to disclose the requested Confidential Information. it may,

without violating the terms of this Agreement, disclose only that portion of the

Confidential Information that counsel advises is legally required to be

disclosed, provided that it exercises all reasonable efforts to preserve the

confidentiality of such information, including, without limitation, by

cooperating with Continental or the Ceding Company in obtaining a protective

order or other reliable assurance that the Confidential Information will be

protected from redisclosure, provided, however, that all expenses of such

efforts (other than allocated costs of home office employees at such location)

shall be borne by the party whose confidential information is sought to be

disclosed.

2. Confidential Information means any and all information acquired by

Continental or the Ceding Company prior or subsequent to the execution of this

Agreement with the exception of the following:

- Information readily available in the public domain; or

- Information acquired from sources other than the other party.

ARTICLE IX

INSOLVENCY

1. In the event of insolvency of either the Ceding Company or Continental, any

debits or credits due the other party, whether matured or unmatured, under this

agreement or any other agreement, which exists on the date of the entry of a

receivership or liquidation order, shall be deemed mutual debits or credits as

the case may be and shall be offset and only the balance shall be allowed or

paid.

8

2. In the event of insolvency of the Ceding Company, Continental's liability

for claims will continue to be in accordance with the terms of the agreement.

Payment of reinsurance claims less any reinsurance premiums due Continental will

be made directly to the liquidator, receiver or statutory successor of the

Ceding Company without diminution because of the insolvency of the Ceding

Company.

3. In the event of insolvency of the Ceding Company, the liquidator, receiver

or statutory successor will give Continental written notice of any pending claim

and Continental may, at its own expense, investigate the claim and interpose any

defense which it deems appropriate to the Ceding Company or its liquidator,

receiver or statutory successor. If the Ceding Company benefits from the defense

by Continental, an equitable share of the expenses incurred by the Continental

will be chargeable to the Ceding Company as part of the expense of liquidation.

4. The Continental's liability will not increase as a result of the insolvency

of the Ceding Company.

5. In the event of the insolvency of Continental as determined by the Illinois

Department of Insurance, the liability of Continental shall not terminate but

shall continue with respect to the reinsurance ceded to Continental by the

ceding company prior to the date of such insolvency, and the Ceding Company

shall have a security interest in any and all sums held by or under deposit in

the name of Continental.

6. If the event in paragraph 5 above occurs, Continental shall have the right

within sixty (60) days of the date of notification to the Ceding Company that

the Illinois Department of Insurance determined the insolvency of Continental to

transfer all new and existing reinsurance ceded and all rights and obligations

under this Agreement to another reinsurer, subject to approval of the reinsurer

by the Ceding Company, and upon terms and conditions acceptable to the Ceding

Company. The Ceding Company shall not withhold its approval unreasonably and it

is understood that the terms and conditions of this Agreement shall be

acceptable to the Ceding Company for purposes of such transfer. In the event

that Continental is unable to effect such transfer, upon expiration of the

applicable notice period all new and existing reinsurance ceded under this

Agreement may terminate and be recaptured, as elected by the Ceding Company.

ARTICLE X

TERMINATION CHARGE

If Continental exercises its rights to terminate all new and existing inforce

reinsurance on unpaid policies as stipulated in Article II-3 an appropriate

charge will be determined by, and paid to, Continental. Such termination charge

will be equal to one prior year's premium on the unpaid policies measured from

the date of termination.

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ARTICLE XI

PARTIES TO THE AGREEMENT

This is an Agreement for indemnity reinsurance solely between the Ceding Company

and Continental. The acceptance of reinsurance hereunder will not create any

right or legal relation whatsoever between Continental and any annuitant,

contractowner or any beneficiary under any contracts of the Ceding Company which

may be reinsured hereunder.

ARTICLE XII

DURATION OF AGREEMENT

1. This Agreement will be effective on and after the Effective Date stated on

the cover page. Other than for nonpayment of reinsurance premiums and/or failure

to comply with reporting requirements, the Agreement is unlimited in duration

but may be amended by mutual consent of the Ceding Company and Continental.

2. This Agreement may be terminated as to new reinsurance by either party's

giving ninety (90) days written notice to the other, effective one year after

date of this agreement.

ARTICLE XIII

ARBITRATION

1. It is the intention of Continental and the Ceding Company 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 Continental or the Ceding

Company cannot mutually resolve a dispute which arises out of or relates to this

Agreement, however, the dispute will be decided through arbitration.

2. Disagreements between Continental and the Ceding Company will be submitted

to three arbitrators who must be current or former officers of other life

insurance companies. Within sixty (60) days of the date of notice of the intent

to submit the dispute to arbitration, Continental and the Ceding Company will

each appoint one arbitrator and the third will be selected by these two

arbitrators. If agreement cannot be reached on the selection of the third

arbitrator, each arbitrator will nominate three (3) candidates within ten (10)

days thereafter, two of whom the other will decline, and the decision will be

made by drawing lots.

3. 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 from their decision, and any court

having jurisdiction of the subject matter and the parties may reduce that

decision to judgment.

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

In no event will this date be later than six (6) months after the appointment of

the third arbitrator. As soon as possible, the arbitrators will establish

prearbitration procedures as warranted by the facts and issues of the particular

case. At least ten (10) days prior to the arbitration hearings, each party will

provide the other party and the arbitrators with a detailed statement of the

facts and arguments it 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. The party initiating the arbitration will have the burden of proving its

case by a preponderance of the evidence. Each party may examine any witnesses

who testify at the arbitration hearing. Within twenty (20) days after the end of

the arbitration hearing, the arbitrators will issue a written decision. In their

decision, the arbitrators will apportion the costs of arbitration, which will

include but not be limited to their own fees and expenses, as they deem

appropriate.

ARTICLE XIV

CURRENCY

All currency will be payable in United States dollars.

ARTICLE XV

CHOICE OF LAW AND FORUM

Illinois law will govern the terms and conditions of the Agreement. In the case

of an arbitration, the arbitration hearing will take place in Chicago, Illinois,

and the Uniform Arbitration Act will control except as provided in Article XIII.

ARTICLE XVI

DAC TAX ELECTION STATEMENT

1. The Ceding Company and Continental hereby agree to the following pursuant to

Section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under

Section 848 of the Internal Revenue Code of 1986, as amended. This election will

be effective June 1, 1999 and all subsequent taxable years for which this

agreement remains in effect.

2. The term "party" will refer to either the Ceding Company or Continental as

appropriate.

3. The terms used in this article are defined by reference to Regulation

1.848-2 in effect December 1992.

4. The party with net positive consideration for this agreement for each

taxable year will capitalize specified IRS contract acquisition expenses with

respect to this agreement without regard to the general deductions limitation of

Section 848(c)(1).

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

consideration under this agreement each year to ensure consistency or as

otherwise required by the Internal Revenue Service.

6. Continental will submit a schedule to the Ceding Company by February 1 of

each year of its calculation of the net consideration for the preceding calendar

year. This schedule will be accompanied by a statement stating that Continental

will report such net consideration in its tax return for the preceding calendar

year.

7. The Ceding Company may contest such calculation by providing an alternative

calculation to Continental within 30 days of the Ceding Company's receipt of

Continental's calculation. If the Ceding Company does not so notify Continental,

Continental will report the net consideration as determined by Continental in

Continental's tax return for the previous calendar year.

8. If the Ceding Company contests Continental's calculation of the net

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

the correct amount within 30 days of the date the Ceding Company submits its

alternative calculation. If the Ceding Company and Continental reach agreement

on an amount of the net consideration, each party will report such amount in

their respective tax returns for the previous calendar year.

ARTICLE XVII

PREMIUM TAX

Continental will not be responsible for any taxes incurred now or in the future,

directly or indirectly, by the Ceding Company or its affiliated companies.

ARTICLE XVIII

ENTIRE CONTRACT

1. This agreement will constitute the entire agreement between the parties with

respect to the business being reinsured thereunder and that there are no

understandings between the parties other than in the agreement.

2. Any changes or modifications to the agreement will be null and void unless

made by amendment to the agreement and signed by both parties.

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Signed for Continental: Continental Assurance Company of

Chicago, Illinois

By: /s/ [ILLEGIBLE] Attest:

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

Senior Vice President, Assistant Secretary

Life Reinsurance

Date of Signatures:

Signed for the Ceding Company: Hartford Life & Annuity Company

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

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

Title: [ILLEGIBLE] Title: [ILLEGIBLE]

Date of Signatures:

13

SCHEDULES

SCHEDULE A AUTOMATIC ACCEPTANCE LIMITS

SCHEDULE B ACCEPTED COVERAGES

SCHEDULE C PREMIUM RATES

SCHEDULE D REPORTING FORMAT

SCHEDULE E SUB-ACCOUNTS

14

SCHEDULE A

AUTOMATIC ACCEPTANCE LIMITS

GUARANTEED MINIMUM DEATH BENEFITS (GMDB)

The GMDB reinsured hereunder is provided on all new Directors series and Putnam,

Dean Witter & Leaders series deferred variable annuity contracts. The GMDB

reinsured under the terms of this Agreement is described in the attached copies

of the GMDB Contracts. Such forms are listed in Schedule B of this agreement.

Continental will reinsure [REDACTED] all new deferred variable annuity contracts

until the exhaustion of the capacity.

The guaranteed minimum death benefit (GMDB) during the accumulation period for

death prior to age 81 will be the greatest of:

1) The Contract Value on the date notification of Due Proof of Death is

received;

2) Total premium payments, reduced by the total gross partial surrenders;

3) The Maximum Anniversary Value, as defined below:

Prior to the 81st birthday, the Maximum Anniversary Value is equal to the

greatest Anniversary Value for each contract anniversary prior to the 81st

birthday, determined as of the date notification of Due Proof of Death is

received. The Anniversary Value is equal to the Contract Value as of a

Contract Anniversary, increased by the dollar amount of any premium

payments made since that anniversary and reduced by the dollar amount of

any partial surrenders since that anniversary.

After age 81, the Maximum Anniversary Value is the Maximum Anniversary

Value established at age 81, increased by premiums after age 81 and reduced

by gross partial surrenders after age 81.

For issue age 81 through 85, the guaranteed minimum death benefit is the

greater of items (1) and (2) as described above.

For both the Hartford's Director seven year surrender charge series of variable

annuities, and proprietary versions thereof and Hartford's Putnam, Dean Witter

and Leaders seven year surrender charge series of variable annuities.

Continental will reinsure the excess of the above defined minimum death benefits

over the surrender value.

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In the event of lapse or other contract termination, prior to the death, no

benefit will be payable under this coverage.

If the attached GMDB rider forms differ from the above description because of

state or jurisdiction variations, the rider forms will be taken as the correct

definition of the GMDB.

CAPACITY

[REDACTED]

16

SCHEDULE B

ACCEPTED COVERAGES

Annuity accounts allocated to the variable annuity contract forms shown below as

governed by the prospectus in effect on April 1, 1999.

The following flexible premium variable annuity contract forms are included in

this agreement:

Contract LA-VA99

Contract ILA-VA94

Contract ILADW-VA94

And such other state specific versions as may be required by the states in which

the company conducts business.

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SCHEDULE C

PREMIUM RATE SCHEDULE

The Adjusted Aggregate Contract Value is the sum of the Contract Values in all

of the Ceding Company's variable annuities contracts subject to this Agreement

minus Contract Values attributable to amounts in excess of the maximum purchase

amounts as described in Article II-1.

The premium is a flat basis point charge applied to Adjusted Aggregate Contract

Value.

DIRECTORS SERIES:

Issue Ages Cost of Reinsurance

0 - 85 [REDACTED]

PUTNAM, DEAN WITTER & LEADERS SERIES:

Issue Ages Cost of Reinsurance

0 - 85 [REDACTED]

The Average Monthly Aggregate Contract Value is defined as beginning of month

Adjusted Aggregate Contract Value plus end of month Adjusted Aggregate Contract

Value, divided by two.

The premium rate is guaranteed for the life of the contract, with the following

caveat. If the benefits or charges to the contractholder are changed (including

contract charges, M&E charges, and administrative fees), Continental reserves

the right to adjust the premium rates by an amount which reflects the change(s)

made to the contract. Fund management fees are allowed to fluctuate.

Subject to ninety days (90) written notice, Continental reserves the right to

adjust premium rates for contracts with an effective date of April 1, 2000 and

later.

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SCHEDULE D

REPORTING FORMAT

Within 30 days after the end of each calendar month, the Ceding Company will

furnish Continental two electronic and summarized paper reports for the

reinsurance account, valued as of the last day of that month. The electronic

reports will be submitted in a format that is acceptable to both Continental and

the Ceding Company. The reports will indicate for all inforce annuitants the

following information:

<Table>

<Caption>

FIELD # FIELD NAME DESCRIPTION

<S> <C> <C>

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

1 Report Date Report date is the last day of the reporting month (mm/dd/yyyy)

2 Direct Writing Company Name of your company

3 Contract Number Policy or contract number

4 Contractholder Name of the contractholder (last name MI first name)

5 Current Age Age of the contractholder as of the report date

6 Issue Date Date of the contract issued (mm/dd/yyyy)

7 Sex Gender of the contractholder (M or F)

8 Plan Code Z6102 -- Directors Series -- annual ratchet

Z6104 -- Putnam, Dean Witter, and

Leaders Series -- annual ratchet

9 Current Ratchet Value Ratchet value as of the report date ($xx.xx)

10 Current Guaranteed Minimum GMDB as of the report date ($xx.xx)

Death Benefit

11 Current Total Contract Value Total contract value as of the report date ($xx.xx)

12 Current Contract Value by Fund Contract value by individual fund as of the report date. The sum of

Field 12 should equal Field 11. ($xx.xx)

13 Total Death Benefits Paid Total death benefits paid for this reporting month ($xx.xx)

14 Death Benefits Paid by Death benefits paid by CNA for this Continental reporting month ($xx.xx)

15 Total Death Benefits Due and Total death benefits due and unpaid

Unpaid for this reporting month ($xx.xx)

16 Death Benefits Due and Unpaid Death benefits due and unpaid by

by Continental CNA for this reporting month

($xx.xx)

17 Current Premium Premium paid in this reporting month ($xx.xx)

18 ITD Premium Premium paid since inception ($xx.xx)

19 Current Withdrawal Amount Total withdrawal amount in this reporting month ($xx.xx)

20 ITD Withdrawal Amount Total withdrawal amount since inception ($xx.xx)

</Table>

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SCHEDULE E

ELIGIBLE PORTFOLIOS FOR CONTRACT VALUES

1. SEPARATE ACCOUNT SUB-ACCOUNTS

THE DIRECTOR VARIABLE ANNUITIES

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 Advisers Fund

Hartford International Opportunities Fund

Hartford Dividend and Growth Fund

Hartford MidCap Fund

Hartford Small Company Fund

Hartford Growth and Income Fund

Hartford Global Leaders Fund

Hartford High Yield Fund

Mitchell Hutchins Growth and Income Fund

Mitchell Hutchins Strategic Income Fund

Mitchell Hutchins Tactical Allocation Fund

Amsouth Equity Income Fund

Amsouth Select Equity Fund

BB&T Growth and Income Fund

Evergreen Foundation Fund

Evergreen Omega Fund

Evergreen Special Equity Fund

Evergreen VIP Perpetual International Fund

Evergreen VIP Capital Growth Fund

Evergreen VIP Growth Fund

Nations Balanced Assets Fund

Nations Disciplined Equity Fund

Nations International Growth Fund

Nations Managed Index Fund

Nations Managed SmallCap Index Fund

Nations Value Fund

Nations Marsico Growth and Income Fund

Nations Marsico Focused Equities Fund

Salomon Brothers Variable Capital Fund

Salomon Brothers Variable Total Return Fund

20

THE DIRECTOR VARIABLE ANNUITIES (CONTINUED)

Salomon Brothers Variable Investors Fund

Salomon Brothers Variable High Yield Bond Fund

AIM VI Capital Appreciation Fund

AIM VI High Yield Fund

AIM VI Value Fund

Merrill Lynch Global Growth Focus Fund

Mercury V.I. U.S. Large Cap Fund

Huntington VA Income Equity Fund

PUTNAM HARTFORD VARIABLE ANNUITIES

Putnam VT Asia Pacific Growth Fund

Putnam VT Diversified Income Fund

Putnam VT The George Putnam Fund of Boston

Putnam VT Global Asset Allocation Fund

Putnam VT Global Growth Fund

Putnam VT Growth and Income Fund

Putnam VT Health Sciences Fund

Putnam VT High Yield Fund

Putnam VT Income Fund

Putnam VT International Growth Fund

Putnam VT International Growth and Income Fund

Putnam VT International New Opportunities Fund

Putnam VT Investors Fund

Putnam VT Money Market Fund

Putnam VT New Opportunities Fund

Putnam VT New Value Fund

Putnam VT OTC & Emerging Growth Fund

Putnam VT Research Fund

Putnam VT Small Cap Fund

Putnam VT Utilities Growth and Income Fund

Putnam VT Vista Fund

Putnam VT Voyager Fund

One Group Investment Trust Large Cap Growth

One Group Investment Trust Diversified Equity

Pegasus Money Market

One Group Investment Trust Diversified Mid Cap

One Group Investment Trust Bond

One Group Investment Trust Mid Cap Value

Pegasus Managed Assets Balanced Fund

MORGAN STANLEY DEAN WITTER SELECT DIMENSIONS ANNUITIES

Morgan Stanley Dean Witter Money Market Fund

Morgan Stanley Dean Witter North American Government Securities Fund

Morgan Stanley Dean Witter Diversified Income Fund

21

MORGAN STANLEY DEAN WITTER SELECT DIMENSIONS ANNUITIES (CONTINUED)

Morgan Stanley Dean Witter Balanced Growth Fund

Morgan Stanley Dean Witter Utilities Fund

Morgan Stanley Dean Witter Dividend Growth Fund

Morgan Stanley Dean Witter Value-Added Market Fund

Morgan Stanley Dean Witter Growth Fund

Morgan Stanley Dean Witter American Opportunities Fund

Morgan Stanley Dean Witter Mid-Cap Equity Fund

Morgan Stanley Dean Witter Global Equity Fund

Morgan Stanley Dean Witter Developing Growth Fund

Morgan Stanley Dean Witter Emerging Markets Fund

Morgan Stanley Dean Witter High Yield Fund

Morgan Stanley Dean Witter Mid-Cap Value

Morgan Stanley Dean Witter Emerging Markets Debt Fund

Morgan Stanley Dean Witter Universal Emerging Markets Equity Fund

Morgan Stanley Dean Witter Universal Fixed Income Fund

Morgan Stanley Dean Witter Universal Active International Allocation Fund

Van Kampen Strategic Stock Fund

Van Kampen Enterprise Fund

LEADERS VARIABLE ANNUITIES

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

Franklin Templeton Real Estate Securities Fund

Franklin Templeton Small Cap Fund

Franklin Templeton Strategic Income Investments Fund

Franklin Templeton Mutual Shares Securities Fund

Franklin Templeton Asset Allocation Fund

Franklin Templeton Developing Markets Fund

Franklin Templeton Global Growth Fund

Franklin Templeton International Fund

Hartford Money Market Fund

22

LEADERS VARIABLE ANNUITIES (CONTINUED)

MFS Capital Opportunities Fund

MFS Emerging Growth Fund

MFS Global Equity Fund

MFS Growth Fund

MFS Growth with Income Fund

MFS High Income Fund

MFS New Discovery Fund

MFS Total Return

2. GENERAL ACCOUNT

Fixed Account

23

AMENDMENT NO. 1

TO

GUARANTED MINIMUM DEATH BENEFIT AGREEMENT

DATED

APRIL 1, 1999

CEDING COMPANY: Hartford Life & Annuity Insurance Company

REINSURER: Continental Assurance Company of Chicago, IL

REINSURANCE AGREEMENT EFFECTIVE: April 1, 1999

EFFECTIVE DATE OF AMENDMENT: June 1, 2000

Commencing on the effective date indicated above, Schedule A, C and E of the

original agreement will be replaced by the attached revised Schedules.

This Amendment is part of the Reinsurance Agreement. All provisions in the

Reinsurance Agreement will apply, except those specifically modified by this

Amendment.

Signed for the Reinsurer: Continental Assurance Company of

Chicago, Illinois

By: Attest:

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

President -- COO Assistant Vice President

CNA Life Re

Date of Signatures:

Signed for the Ceding Company: Hartford Life & Annuity Insurance

Company

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

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

Title: Vice President & Director Title: Vice President & Corporate

Actuary

Date of Signatures: December 20, 2000

SCHEDULE A

AUTOMATIC ACCEPTANCE LIMITS

GUARANTEED MINIMUM DEATH BENEFITS (GMDB)

The GMDB reinsured hereunder is provided on all new Directors series and Putnam,

Dean Witter & Leaders series deferred variable annuity contracts. The GMDB

reinsured under the terms of this Agreement is described in the attached copies

of the GMDB Contracts. Such forms are listed in Schedule B of this agreement.

Continental will reinsure [REDACTED] all new deferred variable annuity contracts

until the exhaustion of the capacity.

The guaranteed minimum death benefit (GMDB) during the accumulation period for

death prior to age 81 will be the greatest of:

1) The Contract Value on the date notification of Due Proof of Death is

received;

2) Total premium payments, reduced by the total gross partial

surrenders;

3) The Maximum Anniversary Value, as defined below:

Prior to the 81st birthday, the Maximum Anniversary Value is equal to

the greatest Anniversary Value for each contract anniversary prior to

the 81st birthday, determined as of the date notification of Due Proof

of Death is received. The Anniversary Value is equal to the Contract

Value as of a Contract Anniversary, increased by the dollar amount of

any premium payments made since that anniversary and reduced by the

dollar amount of any partial surrenders since that anniversary.

After age 81, the Maximum Anniversary Value is the Maximum Anniversary

Value established at age 81, increased by premiums after age 81 and

reduced by gross partial surrenders after age 81.

For issue age 81 through 85, the guarantee minimum death benefit is

the greater of items (1) and (2) as described above.

For both the Hartford's Director seven year surrender charge series of variable

annuities, and proprietary versions thereof and Hartford's Putnam, Dean Witter

and Leaders seven year surrender charge series of variable annuities.

Continental will reinsure the excess of the above defined minimum death benefits

over the surrender value.

In the event of lapse or other policy termination, prior to death, no benefit

will be payable under this coverage.

If the attached GMDB rider forms differ from the above description because of

state or jurisdiction variations, the rider forms will be taken as the correct

definition of the GMDB.

CAPACITY

[REDACTED]

SCHEDULE C

PREMIUM RATE SCHEDULE

The Adjusted Aggregate Contract Value is the sum of the Contract Values in all

of the Ceding Company's variable annuities contracts subject to this Agreement

minus Contract Values attributable to amounts in excess of the maximum purchase

amounts as described in Article II-1.

The premium is a flat basis point charge applied to Adjusted Aggregate Contract

Value.

DIRECTORS SERIES:

<Table>

<Caption>

COST OF REINSURANCE

ISSUE AGES ANNUAL MONTHLY

<S> <C> <C> <C>

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

0 - 49 [REDACTED] [REDACTED]

50 - 59 [REDACTED] [REDACTED]

60 - 69 [REDACTED] [REDACTED]

70 - 79 [REDACTED] [REDACTED]

80+ [REDACTED] [REDACTED]

</Table>

PUTNAM, DEAN WITTER & LEADERS SERIES:

<Table>

<Caption>

COST OF REINSURANCE

ISSUE AGES ANNUAL MONTHLY

<S> <C> <C> <C>

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

0 - 49 [REDACTED] [REDACTED]

50 - 59 [REDACTED] [REDACTED]

60 - 69 [REDACTED] [REDACTED]

70 - 79 [REDACTED] [REDACTED]

80+ [REDACTED] [REDACTED]

</Table>

The Average Monthly Aggregate Contract Value is defined as beginning of month

Adjusted Aggregate Contract Value plus end of month Adjusted Aggregate Contract

Value, divided by two.

The premium rate is guaranteed for the life of the policy, with the following

caveat. If the benefits or charges to the policyholder are changed (including

contract changes, M&E charges, and administrative fees), Continental reserves

the right to adjust the premium rates by an amount which reflects the change(s)

made to the contract. Fund management fees are allowed to fluctuate.

Subject to ninety days (90) written notice, Continental reserves the right to

adjust premium rates for contracts with an effective date of Junel, 2001 and

later.

SCHEDULE E

ELIGIBLE PORTFOLIOS FOR ACCOUNT VALUES

1. SEPARATE ACCOUNT SUB-ACCOUNTS

THE DIRECTOR VARIABLE ANNUITIES

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 Advisers Fund

Hartford International Opportunities Fund

Hartford Dividend and Growth Fund

Hartford International Advisers Fund

Hartford MidCap Fund

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

Mitchell Hutchins Growth and Income Fund

Mitchell Hutchins Strategic Income Fund

Mitchell Hutchins Tactical Allocation Fund

Amsouth Equity Income Fund

Amsouth Select Equity Fund

BB&T Growth and Income Fund

Evergreen Perpetual International Fund

Evergreen Growth Fund

Evergreen Omega Fund

Evergreen Special Equity Fund

Evergreen Foundation Fund

Evergreen Capital Growth Fund

Salomon Capital Fund

Salomon Investors Fund

Salomon Total Return Fund

Salomon High Yield Fund

First American International Portfolio

First American Large Cap Growth Portfolio

First American Technology Fund

THE DIRECTOR VARIABLE ANNUITIES (CONTINUED)

Armada Advantage Mid-Cap Growth Fund

Armada Advantage International Equity Fund

Armada Advantage Equity Growth Fund

Mentor VIP Capital Growth Fund

Nations Balanced Assets Fund

Nations Aggressive Growth Fund

Nations International Growth Fund

Nations Managed Index Fund

Nations Small Cap Index Fund

Nations Value Fund

Nations Marsico Growth and Income Fund

Nations Marsico Focused Equities Fund

Nations High Yield Fund

Nations International Fund

AIM VI Capital Appreciation Fund

AIM VI High Yield Fund

AIM VI Value Fund

Merrill Lynch Global Growth Focus Fund

Mercury V.I. U.S. Large Cap Fund

Huntington VA Income Equity Fund

PUTNAM HARTFORD VARIABLE ANNUITIES

Putnam VT Asia Pacific Growth Fund

Putnam VT Diversified Income Fund

Putnam VT The George Putnam Fund of Bostong

Putnam VT Global Asset Allocation Fund

Putnam VT Global Growth Fund

Putnam VT Growth and Income Fund

Putnam VT Health Sciences Fund

Putnam VT High Yield Fund

Putnam VT Income Fund

Putnam VT International Growth Fund

Putnam VT International Growth and Income Fund

Putnam VT International New Opportunities Fund

Putnam VT Investors Fund

Putnam VT Money Market Fund

Putnam VT New Opportunities Fund

Putnam VT New Value Fund

Putnam VT OTC & Emerging Growth Fund

Putnam VT Research Fund

Putnam VT Small Cap Fund

Putnam VT Utilities Growth and Income Fund

Putnam VT Vista Fund

Putnam VT Voyager Fund

One Group Investment Trust Large Cap Growth

One Group Investment Trust Diversified Equity

Pegasus Money Market

PUTNAM HARTFORD VARIABLE ANNUITIES (CONTINUED)

One Group Investment Trust Diversified Mid Cap

One Group Investment Trust Bond

One Group Investment Trust Mid Cap Value

Pegasus Managed Assets Balanced Fund

Salomon Investors Fund

Salomon Total Return Fund

Salomon High Yield Fund

MORGAN STANLEY DEAN WITTER SELECT DIMENSIONS ANNUITIES

Morgan Stanley Dean Witter Money Market Fund

Morgan Stanley Dean Witter North American Government Securities Fund

Morgan Stanley Dean Witter Diversified Income Fund

Morgan Stanley Dean Witter Balanced Growth Fund

Morgan Stanley Dean Witter Utilities Fund

Morgan Stanley Dean Witter Dividend Growth Fund

Morgan Stanley Dean Witter Value-Added Market Fund

Morgan Stanley Dean Witter Growth Fund

Morgan Stanley Dean Witter American Opportunities Fund

Morgan Stanley Dean Witter Mid-Cap Growth Fund

Morgan Stanley Dean Witter Global Equity Fund

Morgan Stanley Dean Witter Developing Growth Fund

Morgan Stanley Dean Witter Emerging Markets Fund

Morgan Stanley Dean Witter High Yield Fund

Morgan Stanley Dean Witter Mid-Cap Value

Morgan Stanley Dean Witter Emerging Markets Debt Fund

Van Kampen Strategic Stock Fund

Van Kampen Enterprise Fund

LEADERS VARIABLE ANNUITIES

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

Franklin Templeton Real Estate Securities Fund

Franklin Templeton Small Cap Fund

Franklin Templeton Strategic Income Investments Fund

Franklin Templeton Mutual Shares Securities Fund

Franklin Templeton Asset Allocation Fund

Franklin Templeton Developing Markets Fund

Franklin Templeton Global Growth Fund

Franklin Templeton International Fund

Hartford Money Market Fund

MORGAN STANLEY DEAN WITTER SELECT DIMENSIONS ANNUITIES (CONTINUED)

MFS Capital Opportunities Fund

MFS Emerging Growth Fund

MFS Global Equity Fund

MFS Growth Fund

MFS Growth with Income Fund

MFS High Income Fund

MFS New Discovery Fund

MFS Total Return

2. GENERAL ACCOUNT

Fixed Account

AMENDMENT #2

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

Between

HARTFORD LIFE & ANNUITY INSURANCE COMPANY

SIMSBURY, CONNECTICUT

(hereinafter called the Ceding Company)

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

(hereinafter called MARC)

Treaty ID: 2105

Whereas the Ceding Company and MARC (collectively, the "Parties") acknowledge

that the fund changes detailed herein have been administered under the Agreement

since May 1, 2009, but have not previously been memorialized in any formal

amendment to the Agreement. The Parties now wish to execute this amendment

replacing all prior agreements and understandings.

Amendment 1 Schedule E is replaced in its entirety with the attached Schedule E

to reflect the most current fund changes.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Guaranteed Minimum

Death Benefit Reinsurance Agreement effective April 1,1999 between the Ceding

Company and MARC.

[LOGO]

MARC

MUNICH RE GROUP

1

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1,1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

Investment Fund Options under contract types reinsured under this agreement are

as follows:

a.) Fixed Account (available under all reinsured contract forms)

b.) Separate Accounts as listed below (listed by product chassis)

Director Variable Annuity Series

AIM V.I. Capital Appreciation Fund

AIM V.I. Core Equity Fund

AIM V.I. High Yield Fund

AllianceBernstein VP Growth and Income Portfolio

AllianceBernstein VPS Intermediate Bond Portfolio

BB&T Capital Manager Equity VIF Fund

BB&T Large Cap VIF Fund

BB&T Mid Cap Growth VIF Fund

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Columbia Asset Allocation Fund

Columbia High Yield Fund

Columbia Large Cap Value Fund

Columbia Marsico 21st Century Fund

Columbia Marsico Focused Equities Fund

Columbia Marsico Growth Fund

Columbia Marsico International Opportunities Fund

Columbia Mid Cap Growth Fund

Columbia Small Company Growth Fund

Evergreen VA Diversified Capital Builder Fund

Evergreen VA Fundamental Large Cap Fund

Evergreen VA Growth Fund

Evergreen VA High Income Fund

Evergreen VA International Equity Fund

Evergreen VA Omega Fund

Evergreen VA Special Values Fund

Hartford Advisers HLS Fund

Hartford Capital Appreciation HLS Fund

Hartford Disciplined Equity HLS Fund

Hartford Dividend and Growth HLS Fund

Hartford Equity Income HLS Fund

Hartford Fundamental Growth Fund

Hartford Global Advisers HLS Fund

Hartford Global Equity HLS Fund

Hartford Global Growth HLS Fund

Hartford Global Health HLS Fund (closed to new deposits, eff. 8/16/2004)

Hartford Growth HLS Fund

Hartford Growth Opportunities HLS Fund

Hartford High Yield HLS Fund

Hartford Index HLS Fund

Hartford International Growth HLS Fund

Hartford International Opportunities HLS Fund

Hartford International Small Company HLS Fund

Hartford Large Cap Growth HLS Fund

Hartford MidCap HLS Fund

Hartford MidCap Growth HLS Fund

Hartford MidCap Value HLS Fund (closed to new deposits, eff. 8/16/2004)

Hartford Money Market HLS Fund

Hartford Mortgage Securities HLS Fund (eB. 9/29/2008, merged into the Hartford

U.S. Government Securities HLS Fund)

Hartford Small Company HLS Fund

Hartford Small-Cap Growth HLS Fund

Hartford Small Cap Value HLS Fund

Hartford Stock HLS Fund

Hartford Total Return Bond HLS Fund

Hartford US Government Securities HLS Fund

Hartford Value HLS Fund

Hartford Value Opportunities HLS Fund

1

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

Legg Mason Partners Variable All Cap Value Fund

Legg Mason Partners Variable Global High Yield Bond Portfolio

Legg Mason Partners Variable Investors Fund

Legg Mason Partners Variable Total Return Fund

Pioneer Fund VCT Portfolio

Pioneer Oak Ridge Large Cap Growth VCT Portfolio (eff 4-23-09, this fund will

hard close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into the Hartford HLS Money Market Fund).

Pioneer Value VCT Portfolio

Prudential 20/20 Focus Portfolio

Prudential Jennison Growth Portfolio

Prudential Value Portfolio

SP William Blair International Growth Portfolio

UBS Series Trust -- U.S. Allocation Portfolio (Eff 4-23-09, this fund will hard

close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into the Hartford HLS Money Market Fund).

Victorv Diversified Stock Fund

Wells Fargo Advantage VT Asset Allocation Fund

Wells Fargo Advantage VT C&B Large Cap Value Fund

Wells Fargo Advantage VT Discovery Fund

Wells Fargo Advantage VT Equity Income Fund

Wells Fargo Advantage VT International Core Fund

Wells Fargo Advantage VT Large Company Core Fund

Wells Fargo Advantage VT Large Company Growth Fund

Wells Fargo Advantage VT Money Market Fund

Wells Fargo Advantage VT Multi Cap Value Fund

Wells Fargo Advantage VT Opportunity Fund

Wells Fargo Advantage VT Small Cap Growth Fund

Wells Fargo Advantage VT Total Return Bond Fund

2

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

HARTFORD LEADERS VARIABLE ANNUITY SERIES

AIM V.I. Basic Value Fund

AIM V.I. Capital Appreciation Fund

AIM V.I. Capital Development Fund

AIM V.I. Core Equity Fund

AIM V.I. Demographics Trends Fund

AIM V.I. Government Securities Fund

AIM V.I. International Growth Fund

AIM V.I. Large Cap Growth Fund

AIM V.I. Mid Cap Core Equity Fund

AIM V.I. Small Cap Equity Fund

American Funds Assets Allocation Fund

American Funds Blue Chip Income and Growth Fund

American Funds Bond Fund

American Funds Global Bond Fund

American Funds Global Growth and Income 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

BlacKRock Global Growth V.I. Fund

BlacKRock Large Cap Growth Fund

Franklin Flex Cap Growth Securities Fund

Franklin Global Real Estate Securities Fund (closed to new deposits eff.

5/1/2002)

Franklin Income Securities Fund

Franklin Large Cap Growth Securities Fund

Franklin Large Cap Value Securities Fund

Franklin Rising Dividends Securities Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

Hartford Money Market HLS Fund

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Global Equity Series

MFS High Income Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Mid-Cap Growth Series

MFS New Discovery Series

MFS Research Bond Series

MFS Research International Series

MFS Research Series

MFS Total Return Series

MFS Value Series

Mutual Discovery Securities Fund

Mutual Shares Securities Fund

Prudential 20/20 Focus Portfolio

Prudential Jennison Growth Portfolio

Prudential Value Portfolio

SP William Blair International Growth Portfolio

Templeton Developing Markets Securities Fund

Templeton Foreign Securities Fund

Templeton Global Asset Allocation Fund (closed to new deposits, eff. 1/24/2003)

Templeton Growth Securities Fund

3

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1, 2009

MORGAN STANLEY VARIABLE ANNUITY SERIES

Hartford Select Leaders Variable Annuity added as of July 24, 2000

American Funds Global 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

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Morgan Stanley Balanced Portfolio

Morgan Stanley Capital Opportunities Portfolio

Morgan Stanley Mid Cap Growth

Morgan Stanley Dividend Growth Portfolio

Morgan Stanley Equally Weighted S&P 500 Portfolio

Morgan Stanley Flexible Income Portfolio

Morgan Stanley Focus Growth Portfolio

Morgan Stanley Global Equity (Eff 4-23-09, the Morgan Stanley Global Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into theHartford HLS Money Market Fund or the Morgan Stanley Money

Market Portfolio).

Morgan Stanley Capital Growth

Morgan Stanley Money Market Portfolio

Morgan Stanley Global Infrastructure Portfolio Eff 11-10-08. (Formerly Morgan

Stanley Utilities Portfolio).

Mutual Shares Securities Fund

Templeton Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Plus Fixed Income Portfoliio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF Equity and Income Portfolio

UIF Global Franchise Portfolio

UIF High Yield Portfolio

UIF Small Company Growth Portfolio

UIF U.S. MidCap Value Portfolio

Van Kampen LIT Mid Cap Growth Portfolio

Van Kampen LIT Comstock Portfolio

Van Kampen LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Morgan Stanley Money Market Portfolio).

Van Kampen LIT Growth and Income Portfolio

Van Kampen LIT Capital Growth Portfolio

4

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1,2009

Select Dimensions Variable Annuity -- replaced by Select Leaders 7/24/00

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Morgan Stanley Balanced Portfolio

Morgan Stanley Capital Opportunities Portfolio

Morgan Stanley Mid Cap Growth

Morgan Stanley Dividend Growth Portfolio

Morgan Stanley Equally Weighted S&P 500 Portfolio

Morgan Stanley Flexible Income Portfolio

Morgan Stanley Focus Growth Portfolio

Morgan Stanley Global Equity (Eff 4-23-09, the Morgan Stanley Global Equity

Portfolio will hard close, Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Morgan Stanley Money

Market Portfolio).

Morgan Stanley Capital Growth

Morgan Stanley Money Market Portfolio

Morgan Stanley Global Infrastructure Portfolio Eff 11-10-08. (Formerly Morgan

Stanley Utilities Portfolio).

Mutual Shares Securities Fund

Templeton Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF High Yield Portfolio

UIF U.S. MidCap Value Portfolio

Van Kampen LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Morgan Stanley Money Market Portfolio).

Van Kampen LIT Growth and Income Portfolio

5

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY AND HARTFORD LIFE INSURANCE AND ANNUITY COMPANY

TREATIES DATED APRIL 1, 1999

INVESTMENT FUNDS

EFFECTIVE: MAY 1,2009

PUTNAM HARTFORD CAPITAL MANAGER VARIABLE ANNUITY SERIES

JP Morgan Insurance Trust Mid Cap Value Portfolio 1

JP Morgan Insurance Trust Core Bond Portfolio 1.

JP Morgan Insurance Trust Diversified Equity Portfolio 1 (eff 5-1-09, this fund

will be renamed to JP Morgan Insurance Trust U.S. Equity portfolio).

JP Morgan Insurance Trust Intrepid Growth Portfolio

JP Morgan Insurance Trust Intrepid Mid Cap Portfolio 1

Legg Mason Partners Variable All Cap Value Fund

Legg Mason Partners Variable Global High Yield Bond Portfolio

Legg Mason Partners Variable Investors Fund

Legg Mason Partners Variable Total Return Fund

Putnam VT American Government Income Fund

Putnam VT Capital Appreciation Fund (eff 2-13-09 -- All assets in the Putnam

Capital Appreciation Fund will be merged into the Putnam Investors Fund.)

Putnam VT Capital Opportunities Fund

Putnam VT Discovery Growth Fund (eff 2-13-09 -- All assets in the Putnam

Discovery Growth Fund will be merged into the Putnam New Opportunities

Putnam VT Diversified Income Fund

Putnam VT Equity Income Fund

Putnam VT Global Asset Allocation Fund

Putnam VT Global Equity Fund

Putnam VT Growth and Income Fund

Putnam VT Growth Opportunities Fund

Putnam VT Health Sciences Fund (eff 2-15-09 -- The Putnam VT Health Sciences

Fund Class IA/IB will be renamed to the Putnam VT Global Health Care Fund Class

IA/IB).

Putnam VT High Yield Fund

Putnam VT Income Fund

Putnam VT International Equity Fund

Putnam VT International Growth and Income Fund

Putnam VT International New Opportunities Fund

Putnam VT Investors Fund

Putnam VT Mid Cap Value Fund

Putnam VT Money Market Fund

Putnam VT New Opportunities Fund

Putnam VT New Value Fund (eff 2-13-09 -- All assets in the Putnam New Value Fund

will be merged into the Putnam Equity Income Fund.)

Putnam VT OTC & Emerging Growth Fund (eff 2-13-09 -- All assets in the Putnam

OTC & emerging Growth Fund will be merged into the Putnam Vista

Putnam VT Research Fund

Putnam VT Small Cap Fund

Putnam VT The George Putnam Fund of Boston

Putnam VT Utilities Growth and Income Fund (eff 2-15-09, The Putnam VT Utilities

Growth and Income Fund class IA/IB will be renamed to the Putnam VT Global

Utilities Fund Class IA/IB).

Putnam VT Vista Fund

Putnam VT Voyager Fund

6

In witness whereof, the said Hartford Life and Annuity Insurance Company and the

said Munich American Reassurance Company, Atlanta, Georgia, have by their

respective officers executed and delivered this addendum in duplicate.

HARTFORD LIFE AND ANNUITY INSURANCE

COMPANY

By /s/ [ILLEGIBLE]

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

Title: Vice President and Actuary

Attest /s/ [ILLEGIBLE] Date 10/05/09

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

MUNICH AMERICAN REASSURANCE COMPANY

By /s/ [ILLEGIBLE]

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

Title: Associate Actuary

Attest /s/ [ILLEGIBLE] Date [ILLEGIBLE]/8/2009

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

[LOGO]

MARC

MUNICH RE GROUP

2

[LOGO]

MUNICH RE

Amendment #3

Effective March 31, 2010

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

(the "Agreement")

Between

HARTFORD LIFE & ANNUITY INSURANCE COMPANY

SIMSBURY, CONNECTICUT

(the "Ceding Company")

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

("MARC")

Agreement Effective Date April 1, 1999

Treaty ID: 2105

This Agreement shall be amended as follows:

Schedule E is hereby replaced in its entirety with the attached Schedule E to

reflect the fund changes as of March 31, 2010.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Agreement.

TREATY NO. 2105

AMENDMENT NO. 3 MUNICH AMERICAN REASSURANCE COMPANY

1

[LOGO]

MUNICH RE

In witness whereof, Hartford Life and Annuity, Simsbury, Connecticut and the

Munich American Reassurance Company, Atlanta, Georgia, have by their respective

officers executed and delivered this amendment in duplicate.

HARTFORD LIFE & ANNUITY INSURANCE

COMPANY

By /s/ [ILLEGIBLE]

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

Title: Vice President & Actuary

Attest /s/ [ILLEGIBLE] Date 6/24/10

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

MUNICH AMERICAN REASSURANCE COMPANY

By /s/ [ILLEGIBLE]

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

Title: [ILLEGIBLE]

Attest /s/ [ILLEGIBLE] Date June 22, 2010

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

TREATY NO. 2105

AMENDMENT NO. 3 MUNICH AMERICAN REASSURANCE COMPANY

2

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Investment Fund Options under contract types reinsured under this agreement are

as follows:

a.) Fixed Account (available under all reinsured contract forms)

b.) Separate Accounts as listed below (listed by product chassis)

Director Variable Annuity Series

AIM V.I. Capital Appreciation Fund

AIM V.I. Core equity Fund

AIM V.I. High Yield Fund

AllianceBernstein VP Growth and Income Portfolio

AllianceBernstein VPS Intermediate Bond Portfolio

BB&T Capital Manager Equity VIF Fund

BB&T Large Cap VIF Fund

BB&T Mid Cap Growth VIF Fund (Eff 1/28/10, closed to new purchases). (Eff

1/29/10, fund will be liquidated into Hartford Money Market HLS Fund).

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Columbia Asset Allocation Fund

Columbia High Yield Fund

Columbia Large Cap Value Fund

Columbia Marsico 21st Century Fund

Columbia Marsico Focused Equities Fund

Columbia Marsico Growth Fund

Columbia Marsico International Opportunities Fund

Columbia Mid Cap Growth Fund

Columbia Small Company Growth Fund

Evergreen VA Diversified Capital Builder Fund

Evergreen VA Fundamental Large Cap Fund

Evergreen VA Growth Fund

Evergreen VA High Income Fund

Evergreen VA International Equity Fund

Evergreen VA Omega Fund

Evergreen VA Special Values Fund

Hartford Advisers HLS Fund

Hartford Capital Appreciation HLS Fund

Hartford Disciplined Equity HLS Fund

Hartford Dividend and Growth HLS Fund

Hartford Equity Income HLS Fund (Eff 3-18-10, this fund is closed to new money).

(Eff 3-19-10, fund will merge into Hartford Value HLS Fund).

Hartford Fundamental Growth Fund

Hartford Global Advisors HLS Fund (Eff 3-18-10, this fund is closed to new

money). (Eff 3-19-10, fund will merge into Hartford Advisors HLS Fund).

Hartford Global Equity HLS Fund (Eff 3/1/2010, this fund will be renamed to

Hartford Global Research HLS Fund)

Hartford Global Growth HLS Fund

Hartford Global Health HLS Fund (closed to new deposits, eff. 8/16/2004)

Hartford Growth HLS Fund

Hartford Growth Opportunities HLS Fund

Hartford High Yield HLS Fund

Hartford Index HLS Fund

Hartford International Growth HLS Fund

Hartford International Opportunities HLS Fund

Hartford International Small Company HLS Fund

Hartford LargeCap Growth HLS Fund (eff 10-1-09, closed to new money). (eff

10-2-09, all assets in this fund will be merged into the HLS Fund).

Hartford MidCap HLS Fund

Hartford MidCap Growth HLS Fund (Eff 3-1-2010, this fund will be renamed

Hartford Small/Mid Cap Equity HLS Fund)

Hartford MidCap Value HLS Fund (closed to new deposits, eff. 08/16/2004)

Hartford Money Market HLS Fund

Hartford Mortgage Securities HLS Fund (ee. 9/29/2008, merged into the Hartford

U.S. Government Securities HLS Fund)

Hartford Small Company HLS Fund

Hartford Small-Cap Growth HLS Fund

Hertford Small Cap Value HLS Fund

Hartford Stock HLS Fund

Hartford Total Return Bond HLS Fund

Hartford US Government Securities HLS Fund

Hartford Value HLS Fund

Hartford Value Opportunities HLS Fund (Eff 3-18-10, this fund will be closed to

new money). (Eff 3-19-10, this fund will be merged into the Hartford Value HLS

Fund).

1

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

Legg Mason Partners Variable All Cap Value Fund

Legg Mason Partners Variable Global High Yield Bond Portfolio (Eff 11-16-09,

this fund will be renamed to Legg Mason Western Asset Variable Global High Yield

Bond Portfolio).

Legg Mason Partners Variable Investors Fund (Eff 11-16-09, this fund will be

renamed to Legg Mason Clearbridge Variable Investors Portfolio

Legg Mason Partners Variable Total Return Fund

Pioneer Fund VCT Portfolio

Pioneer Oak Ridge Large Cap Growth VCT Portfolio (eff 4-23-09, this fund will

hard close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into the Hartford HLS Money Market Fund).

Pioneer Value VCT Portfolio

Prudential 20/20 Focus Portfolio

Prudential Jennison Growth Portfolio

Prudential Value Portfolio

SP William Blair International Growth Portfolio

UBS Series Trust -- U.S. Allocation Portfolio (Eff 4-23-09, this fund will hard

close. On 4-24-09, any money in this fund will be transferred via a mass

exchange into the Hartford HLS Money Market Fund).

Victory Diversified Stock Fund

Wells Fargo Advantage VT Asset Allocation Fund

Wells Fargo Advantage VT C&B Large Cap Value Fund

Wells Fargo Advantage VT Discovery Fund

Wells Fargo Advantage VT Equity Income Fund

Wells Fargo Advantage VT International Core Fund

Welts Fargo Advantage VT Large Company Core Fund

Wells Fargo Advantage VT Large Company Growth Fund

Wells Fargo Advantage VT Money Market Fund

Wells Fargo Advantage VT Multi Cap Value Fund

Walls Fargo Advantage VT Opportunity Fund

Wells Fargo Advantage VT Small Cap Growth Fund

Wells Fargo Advantage VT Total Return Bond Fund

2

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Hartford Leaders Variable Annuity Series

AIM V.I. Basic Value Fund

AIM V.I. Capital Appreciation Fund

AIM V.I. Capital Development Fund

AIM V.I. Core Equity Fund

AIM V.I. Demographics Trends Fund

AIM V.I. Government Securities Fund

AIM V.I. International Growth Fund

AIM V.I. Large Cap Growth Fund

AIM V.I. Mid Cap Core Equity Fund

AIM V.I. Small Cap Equity Fund

American Funds Assets Allocation Fund

American Funds Blue Chip Income and Growth Fund

American Funds Bond Fund

American Funds Global Bond Fund

American Funds Global Growth and Income 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

BlackRock Global Growth V.I. Fund

BlackRock Large Cap Growth Fund

Franklin Flex Cap Growth Securities Fund

Franklin Global Real Estate Securities Fund (closed to new deposits eff.

5/1/2002)

Franklin Income Securities Fund

Franklin Large Cap Growth Securities Fund

Franklin Large Cap Value Securities Fund

Franklin Rising Dividends Securities Fund

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

Hartford Money Market HLS Fund

Huntington VA Dividend Capture Fund

Huntington VA Growth Fund

Huntington VA Income Equity Fund

Huntington VA International Equity Fund

Huntington VA Marco 100 Fund

Huntington VA Mid Corp America Fund

Huntington VA Mortgages Securities Fund

Huntington VA New Economy Fund

Huntington VA Rotating Markets Fund

Huntington VA Situs Fund

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Global Equity Series

MFS High Income Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Mid-Cap Growth Series

MFS New Discovery Series

MFS Research Bond Series

MFS Research International Series

MFS Research Series

MFS Total Return Series

MFS Value Series

Mutual Discovery Securities Fund

Mutual Shares Securities Fund

Prudential 20/20 Focus Portfolio

Prudential Jennison Growth Portfolio

Prudential Value Portfolio

SP William Blair international Growth Portfolio

Templeton Developing Markets Securities Fund

Templeton Foreign Securities Fund

Templeton Global Asset Allocation Fund (closed to new deposits. eff, 1/24/2003)

Templeton Growth Securities Fund

3

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Morgan Stanley Variable Annuity Series

Hartford Select Leaders Variable Annuity added as of July 24, 2000

American Funds Global 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

Franklin Small Cap Value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Morgan Stanley Balanced Portfolio

Morgan Stanley Capital Opportunities Portfolio

Morgan Stanley Mid Cap Growth

Morgan Stanley Dividend Growth Portfolio

Morgan Stanley Equally Weighted S&P 500 Portfolio

Morgan Stanley Flexible Income Portfolio

Morgan Stanley Focus Growth Portfolio

Morgan Stanley Global Equity (Eff 4-23-09, the Morgan Stanley Global Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Morgan Stanley Money

Market Portfolio).

Morgan Stanley Capital Growth

Morgan Stanley Money Market Portfolio

Morgan Stanley Global Infrastructure Portfolio Eff 11-10-08. (Formerly Morgan

Stanley Utilities Portfolio).

Mutual Shares Securities Fund

Templeton Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF Equity and Income Portfolio

UIF Global Franchise Portfolio

UIF High Yield Portfolio

UIF Small Company Growth Portfolio

UIF U.S. MidCap Value Portfolio

Van Kampen LIT Mid Cap Growth Portfolio

Van Kampen LIT Comstock Portfolio

Van Kampen LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Morgan Stanley Money Market Portfolio).

Van Kampen LIT Growth and Income Portfolio

Van Kampen LIT Capital Growth Portfolio

4

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Select Dimensions Variable Annuity -- replaced by Select Leaders 7/24/00

American Funds Global Growth Fund

American Funds Global Small Capitalization Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

Franklin Small Cap value Fund

Franklin Small-Mid Cap Growth Fund

Franklin Strategic Income Securities Funds

MFS Core Equity Series (eff. 3/10/2008, closed to new deposits)

MFS Growth Series

MFS Investors Growth Stock Series

MFS Investors Trust Series

MFS Total Return Series

Morgan Stanley Balanced Portfolio

Morgan Stanley Capital Opportunities Portfolio

Morgan Stanley Mid Cap Growth

Morgan Stanley Dividend Growth Portfolio

Morgan Stanley Equally Weighted S&P 500 Portfolio

Morgan Stanley Flexible Income Portfolio

Morgan Stanley Focus Growth Portfolio

Morgan Stanley Global Equity (Eff 4-23-09, the Morgan Stanley Global Equity

Portfolio will hard close. Eff 4-24-09, any money will be transferred mass

exchange into the Hartford HLS Money Market Fund or the Morgan Stanley Money

Market Portfolio).

Morgan Stanley Capital Growth

Morgan Stanley Money Market Portfolio

Morgan Stanley Global Infrastructure Portfolio Eff 11-10-08, (Formerly Morgan

Stanley Utilities Portfolio).

Mutual Shares Securities Fund

Templeton Developing Markets Securities Fund

Templeton Growth Securities Fund

UIF Core Plus Fixed Income Portfolio

UIF Emerging Markets Debt Portfolio

UIF Emerging Markets Equity Portfolio

UIF High Yield Portfolio

UIF U.S. MidCap Value Portfolio

Van Kampen LIT Enterprise Portfolio (Eff 4-23-09, this fund will hard close. On

4-24-09, any money in this fund will be transferred via a mass exchange into the

Morgan Stanley Money Market Portfolio).

Van Kampen LIT Growth and Income Portfolio

5

Schedule E

Hartford Life Insurance Company (HLIC) and Hartford Life Insurance and Annuity

Company (HLIAC)

Treaties Dated April 1, 1999 Munich Re TIDs: 2104 (HLIC) and T2105 (HLIAC)

Investment Funds

Effective Date: March 31, 2010

Putnam Hartford Capital Manager Variable Annuity Series

JP Morgan Insurance Trust Mid Cap Value Portfolio 1

JP Morgan Insurance Trust Core Bond Portfolio 1

JP Morgan Insurance Trust Diversified Equity Portfolio 1 (eff 5-1-09, this fund

will be renamed to JP Morgan Insurance Trust U.S. Equity Portfolio).

JP Morgan Insurance Trust Intrepid Growth Portfolio

JP Morgan Insurance Trust Intrepid Mid Cap Portfolio 1

Legg Mason Partners Variable All Cap Value Fund

Legg Mason Partners Variable Global High Yield Bond Portfolio (Eff 11-16.09,

this fund will be renamed to Legg Mason Western Asset Variable Global High Yield

Bond Portfolio).

Legg Mason Partners Variable Investors Fund (Eff 11-16-09, this fund will be

renamed to Legg Mason Clearbridge Variable Investors Portfolio

Legg Mason Partners Variable Total Return Fund

Putnam VT American Government Income Fund

Putnam VT Capital Appreciation Fund (eff 2-13-09 -- All assets in the Putnam

Capital Appreciation Fund will be merged into the Putnam Investors Fund.)

Putnam VT Capital Opportunities Fund

Putnam VT Discovery Growth Fund (eff 2-13-09 -- All assets In the Putnam

Discovery Growth Fund will be merged into the Putnam New Opportunities

Putnam VT Diversified Income Fund

Putnam VT Equity Income Fund

Putnam VT Global Asset Allocation Fund

Putnam VT Global Equity Fund

Putnam VT Growth and income (Eff 11-16-09, fund will be reopened in Director M

and Dir M proprietary products

Putnam VT Growth Opportunities Fund

Putnam VT Health Sciences Fund (eff 2-15-09 -- The Putnam VT Health Sciences

Fund Class 1A/1B will be renamed to the Putnam VT Global Health Care Fund Class

IA/IB).

Putnam VT High Yield Fund

Putnam VT Income Fund

Putnam VT International Equity Fund

Putnam VT International Growth and Income Fund (Eff 02-1-10 fund will be renamed

Putnam VT International Value Fund).

Putnam VT International New Opportunities Fund (Eff 02-1-10 fund will be renamed

Putnam VT International Growth Fund).

Putnam VT Investors Fund

Putnam VT Mid Cap Value Fund

Putnam VT Money Market Fund

Putnam VT New Opportunities Fund

Putnam VT New Value Fund (eff 2-13-09 -- All assets in the Putnam New Value Fund

will be merged into the Putnam Equity Income Fund.)

Putnam VT OTC & Emerging Growth Fund (eff 2-13-09, All assets in the Putnam OTC

& emerging Growth Fund will be merged into the Putnam Vista

Putnam VT Research Fund

Putnam VT Small Cap Fund

Putnam VT The George Putnam Fund of Boston

Putnam VT Utilities Growth and Income Fund (eff 2-15-09, The Putnam VT Utilities

Growth and Income Fund class 1A/1B will be renamed to the Putnam VT Global

Utilities Fund Class 1A/1B).

Putnam VT Vista Fund

Putnam VT Voyager (Eff 11-16-09, fund will be reopened in Director M and Dir M

proprietary products.

6

AMENDMENT #4

EFFECTIVE JUNE 30, 2010

to the

GUARANTEED MINIMUM DEATH BENEFIT REINSURANCE AGREEMENT

(the "Agreement")

Between

HARTFORD LIFE & ANNUITY INSURANCE COMPANY

SIMSBURY, CONNECTICUT

(the "Ceding Company")

and

MUNICH AMERICAN REASSURANCE COMPANY

ATLANTA, GEORGIA

("MARC")

Agreement Effective Date April 1, 1999

Treaty ID: 2105

The Agreement shall be amended as follows:

Schedule E is hereby replaced in its entirety with the attached Schedule E to

reflect the fund offerings as of June 30, 2010.

All other provisions of the Agreement not in conflict with the terms and

conditions of this amendment shall continue to apply.

This amendment will be attached to and form a part of the Agreement.

TREATY NO. 2105

AMENDMENT NO. 4

1

In witness whereof, Hartford Life & Annuity Insurance Company and Munich

American Reassurance Company have, by their respective officers executed and

delivered this amendment in duplicate.

HARTFORD LIFE & ANNUITY INSURANCE

COMPANY

By /s/ [ILLEGIBLE]

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

Title:

Attest Date

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

MUNICH AMERICAN REASSURANCE COMPANY

By /s/ [ILLEGIBLE]

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

Title:

Attest /s/ [ILLEGIBLE] Date

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

TREATY NO. 2105

AMENDMENT NO. 4

2

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS: 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

1

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS: 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

2

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS: 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

3

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS: 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

4

SCHEDULE E

HARTFORD LIFE INSURANCE COMPANY (HLIC) AND HARTFORD LIFE INSURANCE AND ANNUITY

COMPANY (HLIAC)

TREATIES DATED APRIL 1, 1999 MUNICH RE TIDS: 2104 (HLIC) AND 2105 (HLIAC)

INVESTMENT FUNDS

EFFECTIVE: JUNE 30, 2010

[ILLEGIBLE]

5

Amendment #5

Effective June 1, 2010

to the

Guaranteed Minimum Death Benefit Reinsurance Agreement

Effective April 1, 1999

(the "Agreement")

between

Hartford Life and Annuity Insurance Company

(the "Ceding Company")

and

Munich American Reassurance Company

("MARC")

WHEREAS MARC reinsures certain Guaranteed Minimum Death Benefits on policies

written by the Ceding Company; and

WHEREAS the Agreement requires that any changes or modifications to the

Agreement be made by amendment; and

WHEREAS eligible investment funds are listed in Schedule E of the Agreement; and

WHEREAS eligible investment funds change regularly throughout the year; and

WHEREAS the Ceding Company and MARC (collectively, the "Parties") agree that it

is administratively impracticable to revise the Agreement to reflect changes to

Schedule E for all fund changes as they occur; and

WHEREAS the Parties wish to amend Article XVIII of the Agreement to provide for

quarterly amendments to revise Schedule E to reflect the current eligible funds

as of the last day of each quarter.

NOW, THEREFORE for good and valuable consideration, receipt of which is hereby

acknowledged, the Parties hereby agree as follows:

1. The above recitals are true and accurate and are incorporated

herein.

2. Article XVIII is deleted in its entirety and replaced with the

attached Article XVIII.

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life & Annuity Insurance Company & Munich American Reassurance

Company

Amendment #5 -- Effective 6/1/2010

3. Except as herein amended, all other terms and conditions of the

Agreement shall remain in full force and effect and unchanged.

In witness of the foregoing, the Parties have, by their respective officers,

executed this Amendment in duplicate on the dates indicated below.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

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

Name: [ILLEGIBLE] Name: [ILLEGIBLE]

Title: [ILLEGIBLE] Title: [ILLEGIBLE]

Date: [ILLEGIBLE] Date: [ILLEGIBLE]

MUNICH AMERICAN REASSURANCE COMPANY

By: /s/ [ILLEGIBLE] Attest: /s/ [ILLEGIBLE]

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

Name: [ILLEGIBLE] Name: [ILLEGIBLE]

Title: [ILLEGIBLE] Title: [ILLEGIBLE]

Date: [ILLEGIBLE] Date: 9/17/10

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life & Annuity Insurance Company & Munich American Reassurance

Company

Amendment #5 -- Effective 6/1/2010

ARTICLE XVIII

ENTIRE CONTRACT

1. This agreement will constitute the entire agreement between the parties with

respect to the business being reinsured thereunder and there are no

understandings between the parties other than in this agreement.

2. Any changes or modifications to this agreement will be null and void unless

made by amendment and signed by both parties.

3. Notwithstanding the foregoing, any changes or modifications to Schedule E

shall be made as of the last day of each quarter. For the purposes of this

provision, the last day of each quarter shall mean March 31, June 30, September

30 and December 31

Guaranteed Minimum Death Benefit Reinsurance Agreement -- Effective 4/1/1999

Between Hartford Life & Annuity Insurance Company & Munich American Reassurance

Company

Amendment #5 -- Effective 6/1/2010