EX-10.13



 Exhibit 10.13 

EXECUTION VERSION 

(Non-Financed NLG) 
  

 
 FUNDS WITHHELD COINSURANCE
AGREEMENT 
 between 
 AVIVA
LIFE AND ANNUITY COMPANY OF NEW YORK 
 and 

FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY 

Dated as of October 1, 2013 
  

 
  







 TABLE OF CONTENTS 

 

							
	 ARTICLE
	  	 	  	Page	 
		
	ARTICLE I DEFINITIONS AND CONSTRUCTION	  	 	1	  
			
	 Section 1.1
	  	 Definitions
	  	 	1	  
	 Section 1.2
	  	 Construction
	  	 	10	  
		
	ARTICLE II COINSURANCE	  	 	11	  
			
	 Section 2.1
	  	 Scope and Basis of Reinsurance
	  	 	11	  
	 Section 2.2
	  	 Reinsuring Clause
	  	 	11	  
	 Section 2.3
	  	 Allocation of Assets and Ceding Commission
	  	 	11	  
	 Section 2.4
	  	 Net Retained Liabilities
	  	 	13	  
	 Section 2.5
	  	 Guaranty Fund Assessments and Premium Taxes
	  	 	15	  
	 Section 2.6
	  	 Other Reinsurance
	  	 	16	  
	 Section 2.7
	  	 Policy Changes and Non-Guaranteed Elements
	  	 	16	  
	 Section 2.8
	  	 Premiums
	  	 	17	  
	 Section 2.9
	  	 Assignment; Security Interest
	  	 	17	  
	 Section 2.10
	  	 Hedging
	  	 	18	  
	 Section 2.11
	  	 Existing Interest Maintenance Reserve
	  	 	19	  
	 Section 2.12
	  	 Retention
	  	 	20	  
	 Section 2.13
	  	 Cash Flow Testing Reserves
	  	 	20	  
		
	ARTICLE III REINSURANCE LIABILITY	  	 	20	  
			
	 Section 3.1
	  	 Reinsurance Liability
	  	 	20	  
	 Section 3.2
	  	 Other Reinsurance
	  	 	20	  
	 Section 3.3
	  	 Disclaimer
	  	 	21	  
		
	ARTICLE IV CERTAIN FINANCIAL PROVISIONS	  	 	21	  
			
	 Section 4.1
	  	 Credit for Reinsurance
	  	 	21	  
	 Section 4.2
	  	 RBC Reports
	  	 	22	  
	 Section 4.3
	  	 Establishment of the Funds Withheld Account
	  	 	22	  
		
	ARTICLE V PLAN OF REINSURANCE	  	 	24	  
			
	 Section 5.1
	  	 Plan
	  	 	24	  
	 Section 5.2
	  	 Follow the Fortunes
	  	 	24	  
	 Section 5.3
	  	 Reductions and Terminations
	  	 	24	  
	 Section 5.4
	  	 Reinstatements
	  	 	24	  
	 Section 5.5
	  	 Contractual Conversions; Internal Replacement
	  	 	24	  
	 Section 5.6
	  	 Policy List Errors
	  	 	25	  
	 Section 5.7
	  	 Renewal Commissions
	  	 	25	  
		
	ARTICLE VI ADMINISTRATION	  	 	26	  
			
	 Section 6.1
	  	 Administrative Services
	  	 	26	  
	 Section 6.2
	  	 Net Settlements
	  	 	26	  


  
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	ARTICLE VII DAC TAX	  	 	27	  
			
	 Section 7.1
	  	 DAC Tax Election
	  	 	27	  
		
	ARTICLE VIII INSOLVENCY	  	 	28	  
			
	 Section 8.1
	  	 Insolvency
	  	 	28	  
	 Section 8.2
	  	 Expenses
	  	 	28	  
		
	ARTICLE IX TERMINATION	  	 	29	  
			
	 Section 9.1
	  	 Duration of Coinsurance
	  	 	29	  
	 Section 9.2
	  	 Termination
	  	 	29	  
	 Section 9.3
	  	 Termination by the Company
	  	 	29	  
	 Section 9.4
	  	 Termination by the Reinsurer
	  	 	29	  
	 Section 9.5
	  	 Settlement Upon Termination
	  	 	30	  
		
	ARTICLE X RESOLUTION OF CERTAIN DISPUTES	  	 	30	  
			
	 Section 10.1
	  	 Disputes over Actual Initial Coinsurance Premium Calculations and SPA Adjusted Coinsurance
Premium
	  	 	30	  
	 Section 10.2
	  	 Disputes over Calculations
	  	 	33	  
		
	ARTICLE XI INDEMNIFICATION	  	 	33	  
			
	 Section 11.1
	  	 Indemnification of the Reinsurer by the Company
	  	 	33	  
	 Section 11.2
	  	 Indemnification of the Company by the Reinsurer
	  	 	34	  
		
	ARTICLE XII CONFIDENTIALITY	  	 	34	  
			
	 Section 12.1
	  	 Confidentiality
	  	 	34	  
		
	ARTICLE XIII REPRESENTATIONS AND WARRANTIES	  	 	35	  
			
	 Section 13.1
	  	 Representations and Warranties of Reinsurer
	  	 	35	  
	 Section 13.2
	  	 Representations and Warranties of the Company
	  	 	36	  
		
	ARTICLE XIV GENERAL PROVISIONS	  	 	37	  
			
	 Section 14.1
	  	 Errors and Omissions
	  	 	37	  
	 Section 14.2
	  	 Offset and Recoupment
	  	 	37	  
	 Section 14.3
	  	 Expenses
	  	 	38	  
	 Section 14.4
	  	 Parties to this Agreement
	  	 	38	  
	 Section 14.5
	  	 Authority
	  	 	38	  
	 Section 14.6
	  	 No Assignment
	  	 	38	  
	 Section 14.7
	  	 Notices
	  	 	38	  
	 Section 14.8
	  	 Severability
	  	 	40	  
	 Section 14.9
	  	 Announcements
	  	 	40	  
	 Section 14.10
	  	 Schedules, Annexes and Exhibits
	  	 	40	  
	 Section 14.11
	  	 Entire Agreement
	  	 	40	  
	 Section 14.12
	  	 Binding Effect
	  	 	40	  
	 Section 14.13
	  	 Waiver and Amendment
	  	 	40	  


  
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	 Section 14.14
	  	 Headings
	  	 	40	  
	 Section 14.15
	  	 Counterparts
	  	 	41	  
	 Section 14.16
	  	 No Prejudice
	  	 	41	  
	 Section 14.17
	  	 Governing Law; Jurisdiction; Enforcement
	  	 	41	  
	 Section 14.18
	  	 Further Assurances
	  	 	42	  

 INDEX OF SCHEDULES 
  

			
	Schedule 1.1(i)	  	Assumed Reinsurance Agreements
	Schedule 1.1(ii)	  	Other Reinsurance
	Schedule 2.11	  	Existing Interest Maintenance Reserve

 INDEX OF ANNEXES 
  

			
	Annex A	  	List of Initial Reinsurance Assets
	Annex B	  	Net Settlements
	Annex C	  	List of EI Hedges
	Annex D	  	Life Reference Balance Sheet
	Annex E	  	Additional Life Reference Balance Sheet Assets
	Annex F	  	Policy List


  
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 FUNDS WITHHELD COINSURANCE AGREEMENT 

This Funds Withheld Coinsurance Agreement (this “Agreement”), dated as of October 1, 2013, is made by and between Aviva Life
and Annuity Company of New York, an insurance company organized under the laws of the State of New York (the “Company”), and First Allmerica Financial Life Insurance Company, an insurance company organized under the laws of the
Commonwealth of Massachusetts (the “Reinsurer”; each of the Company and the Reinsurer, a “Party” and together, the “Parties”). 

RECITALS 
 WHEREAS, the Company
desires to cede or retrocede to the Reinsurer, on the terms and conditions stated herein, all of its liabilities under certain life insurance policies issued and reinsured by it; 

WHEREAS, the Reinsurer desires to reinsure such policies from the Company on the terms and conditions stated herein; 

WHEREAS, the Company and the Reinsurer intend that the reinsurance by the Reinsurer shall be on a 100% coinsurance funds withheld basis; and

 WHEREAS, subject to a transition services agreement entered into on the date hereof between Aviva USA Corporation and the Reinsurer (the
“Transition Services Agreement”), the Company and the Reinsurer intend that the Reinsurer will provide certain administrative services for policies reinsured hereunder, and the Company and the Reinsurer have entered into an
Administrative Services Agreement, dated as of the date hereof (the “Administrative Services Agreement”), pursuant to which the Reinsurer shall provide such administrative services on the terms and conditions stated therein. 

NOW, THEREFORE, in consideration of the mutual promises and covenants set forth herein, and for other good and valuable consideration the
receipt and adequacy of which is hereby acknowledged, and intending to be legally bound hereby, the Company and the Reinsurer hereby agree as follows: 

ARTICLE I 
 DEFINITIONS AND
CONSTRUCTION 
 Section 1.1 Definitions. Unless the context requires otherwise, for all purposes of this Agreement, the
capitalized terms set forth below shall have the following meanings:
 “Action” has the meaning ascribed thereto in the
Purchase Agreement. 
 “Actual Initial Coinsurance Premium” has the meaning ascribed thereto in Section 2.3(a)(iv).

 “Additional Life Reference Balance Sheet Assets” means the additional assets referenced in the Life Reference Balance
Sheet as set forth on Annex E hereto. 







 “Additional Reserve Requirement” has the meaning ascribed thereto in Section
2.13(a). 
 “Administrative Services Agreement” has the meaning ascribed thereto in the Recitals. 

“Administrator” means the Reinsurer in its capacity as administrator under the Administrative Services Agreement. 

“Affiliate” means, as applied to any Person, any other Person directly or indirectly controlling, controlled by, or under
common control with, such other Person at the time at which the determination of affiliation is made. The term “control” (including, with correlative meanings, the terms “controlled by” and “under common control
with”), as applied to any Person, means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of that Person, whether through the ownership of voting securities or other ownership
interests, by contract or otherwise. 
 “Agreement” has the meaning ascribed thereto in the Recitals. 

“Applicable Law” means any law, statute, regulation, rule, ordinance, order, injunction, judgment, decree, principle of
common law, constitution or treaty enacted, promulgated, issued, enforced or entered by any Governmental Entity applicable to a party hereto, or any of its respective businesses, properties or assets, as may be amended from time to time. 

“Applicable Rate” means, with respect to any date of determination, an interest rate equal to one-month LIBOR for dollars
that appears on page LIBOR 01 (or a successor page) of the Reuters Telerate Screen as of 11:00 a.m., London time, on such date. 

“Assigned EI Hedge Costs Amount” shall mean, with respect to each EI Hedge, an amount equal to the gross actual direct
acquisition costs paid by the Company for such EI Hedge. For the avoidance of doubt, the Assigned EI Hedge Costs Amount shall be determined without regard to any netting of amounts between the Company and the relevant Hedge Counterparty. 

“Assigned EI Hedge Proceeds Amount” shall mean, with respect to each EI Hedge and for each applicable Monthly Accounting
Period, an amount equal to any amounts actually received (or deemed received) by the Company from the relevant Hedge Counterparty during such Monthly Accounting Period in accordance with the provisions of such EI Hedge, including upon an early
exercise of an EI Hedge by the Company. For the avoidance of doubt, the Assigned EI Hedge Proceeds Amount shall be determined without regard to any netting of amounts between the Company and the relevant Hedge Counterparty. 

“Assumed Reinsurance Agreement” means any reinsurance agreement in effect as of the Effective Time under which the Company
assumes liabilities or obligations with respect to any Policy, including the assumed reinsurance agreements listed on Schedule 1.1(i) hereto. 

“Business Day” means any day other than a Saturday, a Sunday or any other day on which banking institutions in Boston,
Massachusetts, New York, New York or Des Moines, Iowa are required or authorized by Applicable Law to be closed. 
 “Code”
means the Internal Revenue Code of 1986, as amended. 

  
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 “Collateral” has the meaning ascribed thereto in Section 2.9(b). 

“Company” has the meaning ascribed thereto in the Recitals. 

“Company Indemnified Parties” has the meaning ascribed thereto in Section 11.2. 

“Company Termination Payment” has the meaning ascribed thereto in Section 9.5. 

“Confidential Information” means (a) with respect to the Company, any information with respect to the Company (other than
information relating to the Policies) that is not generally available to the public, and includes, without limitation, policyholder lists, any medical, financial and other personal information about proposed, current, and former policyowners,
insureds, applicants and beneficiaries of the Company (other than proposed, current, and former policyowners, insureds, applicants and beneficiaries of the Policies) and information or knowledge about the Company’s processes, services, finances
and pricing and reserving methodology and (b) with respect to the Reinsurer, any information with respect to the Policies or the Reinsurer that is not generally available to the public, and includes, without limitation, policyholder lists, any
medical, financial and other personal information about proposed, current, and former policyowners, insureds, applicants, and beneficiaries of Policies and information or knowledge about the Reinsurer’s processes, services, finances and pricing
and reserving methodology. 
 “Consultation Period” has the meaning ascribed thereto in Section 10.1(b). 

“CPA Firm” has the meaning ascribed thereto in Section 10.1(b). 

“Effective Date” means October 1, 2013. 

“Effective Time” means 12:00:01 a.m. Eastern time on the Effective Date. 

“EI Hedge” and “EI Hedges” have the meanings ascribed thereto in Section 2.10(a). 

“Equity Indexed Reinsured Policies” means all indexed universal life insurance Policies included in the Reinsured Policies.

 “Estimated Initial Coinsurance Premium” has the meaning ascribed thereto in Section 2.3(a)(ii). 

“Excess FWA Draw Amount” has the meaning ascribed thereto in Section 4.3(d). 

“Excess FWA Draw Interest Amount” has the meaning ascribed thereto in Section 4.3(d). 

“Excluded Reinsured Liability” means a Loss that a Buyer Indemnified Person under the Purchase Agreement suffers that, if
such Loss were suffered by a “Buyer Indemnified Person” under the SPA, would be indemnified by Aviva plc under the SPA. 

“Existing Interest Maintenance Reserve” means the amounts set forth on Schedule 2.11 as revised as of the Effective
Date. 

  
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 “Extra Contractual Obligations” means all obligations or Losses (whether known
or unknown, contingent or otherwise) incurred or arising at any time under or relating to any Policy that are not provided by the contractual benefits arising under the express terms and conditions of such Policy or are in excess of the applicable
Policy benefits, including any liability for taxes, toll charges, fines, penalties, forfeitures, excess or penalty interest, punitive, special, exemplary or other form of extra-contractual damages or attorneys’ fees and costs awarded, which
obligations or Losses arise from any act, error or omission, whether or not intentional, negligent, in bad faith or otherwise, including obligations or Losses arising out of or relating to: (a) the form, marketing, distribution, sale,
underwriting, issuance, cancellation or administration of the Policies; (b) the investigation, defense, trial, settlement or handling of claims, benefits or payments under the Policies; (c) the failure to pay, the delay in payment of, or errors in
calculating or administering the payment of, benefits, claims or any other amounts due or alleged to be due under or in connection with the Policies; (d) Premium Taxes other than those settled under Section 2.5 in connection with premiums
received under the Policies; (e) the failure of any Policy to provide the purchaser, policyholder, account holder or other holder or intended beneficiaries thereof with tax treatment under the Code that is the same as or more favorable than the tax
treatment under the Code (i) that was purported to apply in materials provided at the time of issuance, assumption, exchange, modification or sale of the Policy by the Company or any of its predecessors or (ii) for which policies or contracts of
that type were reasonably expected to qualify under the Code; (f) the treatment of any Policy as a “modified endowment contract” within the meaning of Section 7702A of the Code, except where the holder of the Policy shall have consented to
its status as a “modified endowment contract” under Section 7702A; (g) the failure of the Company to comply with any applicable tax information reporting, withholding or disclosure requirements with respect to distributions or payments
made pursuant to the Policies; (h) any taxes applicable to the Reinsurance Assets (but excluding the Company’s share of any taxes under Section 14.3); and (i) the failure to pay, the delay in payment, or errors in calculating or
administering the payment of, unclaimed property, escheat or other similar liabilities related to the Policies; provided that “Extra Contractual Obligations” will not under any circumstances include (x) any such liabilities,
obligations or Losses incurred or arising solely as a result of actions or omissions of the Company, but only to the extent such actions or omissions of the Company constitute gross negligence or bad faith and were not taken or omitted at the
direction of the Reinsurer or consented to by the Reinsurer in writing or (y) U.S. federal or state income or capital stock or similar taxes (or any interest or penalties imposed with respect to the payment or reporting thereof) imposed upon the
Company or any of its Affiliates. 
 “Fair Market Value” means, with respect to any asset, the fair market value thereof
calculated in accordance with the accounting and actuarial practices of the Company, consistently applied. 
 “Funds Withheld
Account” has the meaning ascribed thereto in Section 4.3(a). 
 “Funds Withheld Account Adjustment” has the
meaning ascribed thereto in Section 6.2(d). 
 “Funds Withheld Account Amount” means, as of any date of
determination, an amount equal to (i) (A) the Reinsurer’s Share of the Statutory Reserves, plus (B) the Reinsurer’s Share of the Existing Interest Maintenance Reserve attributable to the Reinsured Liabilities, in each case, as of
such date of determination and determined in accordance with SAP, consistently applied. 

  
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 “Funds Withheld Account Balance” means, as of a given date, the value of the
Reinsurance Assets as reflected in the statutory books and records of the Company as of such date, determined in accordance with SAP, plus (b) the amount of any Excess FWA Draw Amount outstanding as of such date, plus (c) the amount of
any Excess FWA Draw Interest Amount accrued but unpaid as of such date. 
 “Governmental Entity” means any foreign,
federal, state, local or other governmental, legislative, judicial, administrative or regulatory authority, agency, commission, board, body, court or entity or any instrumentality thereof or any self-regulatory body or arbitral body or arbitrator.

 “Governmental Order” means any order, writ, judgment, injunction, declaration, decree, stipulation, determination,
award, agreement or permitted practice entered by or with any Governmental Entity. 
 “Hedge Counterparty” means, with
respect to each EI Hedge, the counterparty of the Company with respect to such EI Hedge. 
 “Initial Cash Flow Testing
Reserves” shall mean additional actuarial reserves posted by the Company in connection with the Reinsured Polices as a result of the Company’s most recent triennial exam, which the parties agree shall equal zero dollars ($0). 

“Initial Coinsurance Premium” has the meaning ascribed thereto in Section 2.3(a)(i). 

“Initial Coinsurance Premium Adjustment” has the meaning ascribed thereto in Section 2.3(a)(iv). 

“Initial Coinsurance Premium Reconciliation Statement” has the meaning ascribed thereto in Section 2.3(a)(iv). 

“Investment Income” means, with respect to any Monthly Accounting Period, (a) the book value investment earnings of the
Reinsurance Assets calculated in accordance with SAP plus (in the case of gains) or minus (in the case of losses) all realized (including other than temporary impairments) gains and losses associated with the Reinsurance Assets reflected in the
Company’s statutory financial statements prepared in accordance with SAP. 
 “Life Reference Balance Sheet” means the
balance sheet for the Life Business (as defined in the Purchase Agreement) attached as Annex D hereto.
 “Losses”
means any damages, claims, losses, liabilities, charges, actions, suits, proceedings, deficiencies, taxes, fees, assessments, interest, penalties and reasonable costs and expenses (including reasonable attorneys’ fees and expenses). 

  
 5 








 “Monthly Accounting Period” means, with respect to any calendar month, the
period beginning on the first day of such calendar month and ending on the last day of such calendar month. 
 “Net Retained
Liabilities” means, with respect to any time of determination, all liabilities or obligations in respect of any Policy that, under the terms of any Other Reinsurance Agreement covering such Policy, (a) the Company is required to retain
unreinsured and for its own account or (b) in the opinion of the Company and the Reinsurer, requires consent from any party to such Other Reinsurance Agreement in order to effect reinsurance under this Agreement, and as to which a waiver of such
requirement or other consent has not been obtained prior to such time of determination. 
 “Net Retained Liabilities Adjustment
Period” has the meaning ascribed thereto in Section 2.4(b)(iii). 
 “Net Retained Liability Reserve Transfer
Amount” means, with respect to any Net Retained Liability for which subsequent to the Effective Date a waiver or consent is obtained to reinsure such Net Retained Liability under the terms of this Agreement or the Parties otherwise agree
that any such waivers or consents shall not be required as a condition to coverage hereunder, the sum of (a) the gross statutory reserves (including deficiency reserves) and any additional policy-related liabilities that are required to be held by
the Company with respect to such Net Retained Liability as of the Effective Date, less (b) the Reinsurer’s Share of (x) policy loan balances on such Net Retained Liability as of the Effective Date, and (y) net due and deferred Premiums on such
Net Retained Liability as of the Effective Date, reduced by credit for reinsurance taken by the Company in respect of such Net Retained Liability for Other Reinsurance as of the Effective Date. 

“Net Settlement” has the meaning ascribed thereto in Section 6.2(a). 

“Non-Guaranteed Elements” has the meaning ascribed thereto in Section 2.7(b). 

“Notice of Agreement” has the meaning ascribed thereto in Section 10.1(a). 

“Other Reinsurance” means reinsurance ceded with respect to Reinsured Policies under the terms of the ceded reinsurance
agreements that the Company has entered into with third parties prior to the Effective Time covering the Reinsured Policies, including the ceded reinsurance agreements listed on Schedule 1.1(ii), and any ceded reinsurance agreement entered
into by the Company with the Reinsurer’s prior written consent pursuant to Section 2.6, as all such reinsurance ceded may be in force from time to time. 

“Other Reinsurance Agreements” means the reinsurance treaties and agreements documenting the Other Reinsurance (including all
amendments and modifications thereto entered into prior to the Effective Date or pursuant to Section 3.2). 
 “Other
Reinsurance Benefits” means, for any period, the aggregate amount of benefits, fees, allowances and other amounts actually received by the Company for reinsurance ceded pursuant to Other Reinsurance Agreements with respect to the Reinsured
Policies during such period. 

  
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 “Other Reinsurance Premiums” means, for any period, the aggregate amount of
premiums paid by the Company pursuant to Other Reinsurance Agreements with respect to the Reinsured Policies during such period. 

“Other Transaction Agreements” means, collectively, all of the Transaction Documents other than this Agreement. 

“Party” has the meaning ascribed thereto in the Recitals. 

“Parties” has the meaning ascribed thereto in the Recitals. 

“Person” means an individual, corporation, partnership, joint venture, limited liability company, association, trust,
unincorporated organization or other entity. 
 “Policies” means, collectively, the Term Policies and the UL Policies. 

“Policy List” means the list of policies set forth on Annex F, together with any written update to such file provided by the
Company to the Reinsurer and, with respect to policies included on any such written update, which were issued or assumed by the Company prior to January 1, 2013 only if such policies are approved in writing by the Reinsurer at least three Business
Days prior to the Effective Date. 
 “Portfolio Yield” means a rate equal to the Yield-to-Maturity of the Barclays Long
U.S. Corporate Index as of the last day of the immediately preceding Monthly Accounting Period; provided, however, if the Barclays Long U.S. Corporate Index ceases to be available, the Parties shall endeavor in good faith to agree on a
mutually acceptable replacement index and, upon the mutual agreement of the Parties on a replacement index, the “Barclays Long U.S. Corporate Index” shall, for purposes of this definition, be replaced with such replacement index;
provided, further, that if the Barclays Long U.S. Corporate Index ceases to be available and the Parties are unable to agree on a mutually acceptable replacement index in respect of any Monthly Accounting Period, then the
“Portfolio Yield” for such Monthly Accounting Period shall be equal to 5.00% per annum. 
 “Premiums” means
premiums and considerations due or to become due, premiums deferred and uncollected, premium adjustments and any and all amounts or payments, including any and all policy fees, charges, reimbursements and similar amounts, which are or were held,
received or collected by the Company, or which are now due or will become due from any source under or in connection with the Reinsured Policies, but not including Other Reinsurance Premiums. 

“Premium Taxes” has the meaning ascribed thereto in Section 2.5(b). 

“Purchase Agreement” means that certain Purchase and Sale Agreement, dated as of April 30, 2013, between Athene Holding Ltd.
and Commonwealth Annuity and Life Insurance Company. 
 “RBC Ratio” means the ratio, as of the date of determination, of
the Reinsurer’s “total adjusted capital” over its “company action level risk-based capital”, as such terms are defined 

  
 7 








 
and prescribed by requirements promulgated by the National Association of Insurance Commissioners and regulations adopted by the insurance regulatory authorities in the Reinsurer’s state of
domicile, which are in effect as of such date, calculated as of the end of each calendar quarter, and using reserving methodologies and asset classifications that are in accordance with generally accepted statutory accounting principles and
practices required or permitted by the National Association of Insurance Commissioners and the insurance regulatory authority in the Reinsurer’s state of domicile, consistently applied throughout the specified period and in the immediately
prior comparable period; provided, that in the event there is a material change in the factors and formulae prescribed by the insurance regulatory authority in the Reinsurer’s state of domicile with respect to the components of and
methodologies contained in such calculation, the Parties shall amend this Agreement to incorporate an alternate calculation that is reasonably equivalent to the components of and methodologies contained in the calculation of the Reinsurer’s RBC
Ratio in effect as of the Effective Date within thirty (30) calendar days after the implementation of such change, and if the Parties cannot agree on any such alternative, the Reinsurer shall continue to calculate its RBC Ratio as if such material
change had not occurred. 
 “Reinsurance Assets” has the meaning ascribed thereto in Section 4.3(a). 

“Reinsured Liabilities” means all gross liabilities and obligations, net of Other Reinsurance Benefits, to the extent such
liabilities and obligations arise out of or relate to the Reinsured Policies, including payments of any such liabilities or obligations to any Governmental Entity, whether for tax withholding, escheat, unclaimed property or otherwise, and Extra
Contractual Obligations, but excluding (i) any liabilities or obligations arising out of or relating to the Reinsured Policies that have been incurred but not reported prior to the Effective Time, (ii) Net Retained Liabilities and (iii) those
liabilities that are indemnified by Athene Holding Ltd. under Section 7.2(a)(ii) of the Purchase Agreement. 
 “Reinsured
Policies” has the meaning ascribed thereto in Section 2.1. 
 “Reinsurer” has the meaning ascribed thereto
in the Recitals. 
 “Reinsurer Indemnified Parties” has the meaning ascribed thereto in Section 11.1. 

“Reinsurer’s Objection” has the meaning ascribed thereto in Section 10.1(a). 

“Reinsurer’s Share” has the meaning ascribed thereto in Section 2.2. 

“Reinsurer Termination Event” means any failure by the Company (or any successor by operation of law of the Company,
including any receiver, liquidator, rehabilitator, conservator or similar Person of the Company) to pay any material amount of Premiums or other amounts due to the Reinsurer under this Agreement payable by the Company if such failure has not been
cured within ninety (90) calendar days after receipt of written notice thereof from the Reinsurer. 
 “Reinsurer Termination
Payment” has the meaning ascribed thereto in Section 9.5. 
 “Representatives” has the meaning ascribed
thereto in Section 12.1. 

  
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 “Review Period” has the meaning ascribed thereto in Section 10.1(a). 

“SAP” means the statutory accounting principles and practices prescribed by the insurance regulatory authorities in the
Company’s state of domicile. 
 “SPA” means the Stock Purchase Agreement (as amended, modified or supplemented in
accordance with its terms), dated as of December 21, 2012, between Aviva plc and Athene Holding Ltd. 
 “SPA Adjusted Coinsurance
Premium” shall have the meaning ascribed thereto in Section 2.3(a)(v). 
 “SPA Coinsurance Premium Reconciliation
Statement” shall have the meaning ascribed thereto in Section 2.3(a)(v). 
 “Statutory Book Value” means
the carrying value of the subject asset or liability on the books of the Reinsurer for statutory statement purposes determined in accordance with the statutory accounting principles and practices prescribed by the Reinsurer’s state of domicile,
consistently applied.
 “Statutory Reserves” means, as of any date of determination, the gross statutory reserves
(including deficiency reserves and interest maintenance reserves) and any additional policy-related liabilities, including additional actuarial reserves (as used in connection with SAP) that are required to be held by the Company with respect to the
Reinsured Policies as of such date of determination, in each case, as determined in accordance with SAP, consistently applied, and reduced by credit for reinsurance taken by the Company in respect of the Reinsured Policies for Other Reinsurance as
of such date of determination. The parties agree that the additional actuarial reserves for purposes of calculating the “Initial Coinsurance Premium” shall be the Initial Cash Flow Testing Reserves. For the avoidance of doubt,
Statutory Reserves shall not include any reserves relating to liabilities or obligations arising out of or relating to the Reinsured Policies that have been incurred but not reported prior to the Effective Time. 

“Taxes” has the meaning ascribed thereto in the Purchase Agreement. 

“Tax Returns” has the meaning ascribed thereto in the Purchase Agreement. 

“Term Policies” means all single life 10-, 20- and 30-year level premium term life policies and contracts (including
supplementary contracts), together with all related binders, slips and certificates and including applications therefor and all supplements, endorsements, riders and agreements in connection therewith that are subject to the model regulation
entitled “Valuation of Life Insurance Policies Model Regulation,” commonly referred to as Regulation XXX, which were: (i) issued by the Ceding Company during the period January 1, 2010 through December 31, 2012, both days inclusive, and
listed on the Policy List, (ii) reinsured by the Company under the terms of any Assumed Reinsurance Agreement as of the Effective Time or (iii) reinstated by the Company in accordance with Section 5.4 hereof. 

“Terminal Accounting and Settlement Report” has the meaning ascribed thereto in Section 9.5. 

  
 9 








 “Transaction Documents” has the meaning ascribed thereto in the Purchase
Agreement. 
 “Transition Services Agreement” has the meaning ascribed thereto in the Recitals. 

“UCC” means the Uniform Commercial Code, as said code has been enacted in the State of New York or any other applicable
jurisdiction. 
 “UL Policies” means all single and joint-life universal life with no-lapse guarantee policies and
contracts (including supplementary contracts), together with all related binders, slips and certificates and including applications therefor and all supplements, endorsements, riders and agreements in connection therewith that are subject to the
model regulation entitled “Valuation of Life Insurance Policies Model Regulation,” as clarified by Actuarial Guideline 38, commonly referred to as Regulation AXXX which were (i) issued by the Ceding Company during the period January 1,
2010 through December 31, 2012, both days inclusive and, in the case of each of (a) and (b), listed on the Policy List, (ii) reinsured by the Company under the terms of any Assumed Reinsurance Agreement as of the Effective Time or (iii) reinstated
by the Company in accordance with Section 5.4 hereof. 
 “Unresolved Items” has the meaning ascribed thereto in
Section 10.1(b). 
 Section 1.2 Construction. 

(a) For purposes of this Agreement, the words “hereof,” “herein,” “hereby” and other words of
similar import refer to this Agreement as a whole unless otherwise indicated. 
 (b) Whenever the singular is used herein,
the same shall include the plural, and whenever the plural is used herein, the same shall include the singular, where appropriate. 

(c) For purposes of this Agreement, the term “including” means “including but not limited to.” 

(d) Whenever used in this Agreement, the masculine gender shall include the feminine and neutral genders. 

(e) All references herein to Articles, Sections, Subsections, Paragraphs, Exhibits, Annexes and Schedules shall be deemed
references to Articles, Sections, Subsections and Paragraphs of, and Exhibits, Annexes and Schedules to, this Agreement, unless the context shall otherwise require. 

(f) Any reference herein to any statute, agreement or document, or any section thereof, shall, unless otherwise expressly
provided, be a reference to such statute, agreement, document or section as amended, modified, restated, supplemented or otherwise changed (including any successor section) and in effect from time to time. 

(g) All terms defined in this Agreement shall have the defined meaning when used in any Schedule, Annex, Exhibit, certificate
or other documents attached hereto or made or delivered pursuant hereto unless otherwise defined therein. 

  
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 ARTICLE II 

COINSURANCE 
 Section 2.1 Scope
and Basis of Reinsurance. The reinsurance provided under this Agreement applies to all Policies (collectively, the “Reinsured Policies”). 

Section 2.2 Reinsuring Clause. Subject to the terms and conditions of this Agreement, the Company hereby cedes and the Reinsurer
hereby reinsures on a coinsurance funds withheld basis as of the Effective Time, 100% (the “Reinsurer’s Share”) of all Reinsured Liabilities. 

Section 2.3 Allocation of Assets and Ceding Commission. 

(a) Coinsurance Premium. 

(i) On the Effective Date, the Company will allocate to the Funds Withheld Account an initial coinsurance premium that relates
to the Reinsured Policies consisting of assets that are listed and that have the Statutory Book Values set forth on Annex A (the “Initial Reinsurance Assets”) and cash, equal to the Reinsurer’s Share of the following
amount: (A) the Statutory Reserves held by the Company with respect to the Reinsured Policies, plus (B) the Existing Interest Maintenance Reserve attributable to the Reinsured Liabilities, minus (C) the amount of outstanding
policy loans on the Reinsured Policies (to the extent such policy loans constitute admitted assets under SAP, net of any unearned policy loan interest on such loans but including amounts of interest due and accrued with respect thereto), minus
(D) the net due and deferred Premiums on the Reinsured Policies, minus (E) the aggregate Statutory Book Value of the EI Hedges as of the Effective Date, plus (F) the other liabilities set forth on the Life Reference Balance Sheet,
minus (G) the Additional Life Reference Balance Sheet Assets, in the case of each of clauses (A) through (C), determined in accordance with SAP, consistently applied, as of the Effective Time (such amount, the “Initial Coinsurance
Premium”). For the avoidance of doubt, notwithstanding anything to the contrary in this Agreement, for purposes of calculating the Initial Coinsurance Premium, the term “Reinsured Policies” shall not include the portion of
the policies from which Net Retained Liabilities, if any, arise.
 (ii) The amount of the Initial Coinsurance Premium paid on
the Effective Date shall be determined on an estimated basis (the “Estimated Initial Coinsurance Premium”) as follows: (x) with respect to each of the items set forth in clauses (A), (B), (C), (F) and (G) of the
definition of “Initial Coinsurance Premium” the portion of the Estimated Initial Coinsurance Premium attributable to such items shall be equal to the respective amounts set forth on the Life Reference Balance Sheet; and (y) with respect to
the items set forth in clauses (D) and (E) of the definition of the “Initial Coinsurance Premium,” the portion of the Estimated Initial Coinsurance Premium attributable to such items shall be determined by the Company in good faith and in
a 

  
 11 








 
manner consistent with the principles governing the preparation of the Life Reference Balance Sheet on an estimated basis as of the date that is three (3) Business Days prior to the Effective
Date. 
 (iii) On the Effective Date, the Company shall deliver to the Reinsurer a statement setting forth (A) the amount of
the Estimated Initial Coinsurance Premium, determined as of the date that is three (3) Business Days prior to the Effective Date, and (B) the final list of Initial Reinsurance Assets, which will be based on Annex A, and will include the
Statutory Book Value of the Initial Reinsurance Assets, determined as of the date that is three (3) Business Days prior to the Effective Date. 

(iv) No later than fifty (50) Business Days after the Effective Date, the Company shall deliver to the Reinsurer a statement
(the “Initial Coinsurance Premium Reconciliation Statement”) prepared in good faith by the Company, in the same form as, and using the same principles that govern, the Life Reference Balance Sheet, setting forth, as of the Effective
Date, (1) the calculation of each of the items set forth in clauses (A) through (G) of the definition of the “Initial Coinsurance Premium” (such amount, the “Actual Initial Coinsurance Premium”) and (2) the Statutory Book
Value of the Initial Reinsurance Assets as of the Effective Date. The “Initial Coinsurance Premium Adjustment” shall be equal to the following amount (whether positive or negative): (A) the difference (whether positive or
negative) between the Actual Initial Coinsurance Premium minus the Estimated Initial Coinsurance Premium, minus (B) the difference (whether positive or negative) between the Statutory Book Value of the Initial Reinsurance Assets on the
Effective Date minus the Statutory Book Value of the Initial Reinsurance Assets determined in connection with the calculation of the Estimated Initial Coinsurance Premium pursuant to Section 2.3(a)(ii). If the Initial Coinsurance
Premium Adjustment is positive, then the Company shall increase the Funds Withheld Account Balance by such amount and shall allocate to the Funds Withheld Account additional assets having, in the aggregate, a Statutory Book Value equal to the
Initial Coinsurance Premium Adjustment within five (5) Business Days after the Initial Coinsurance Premium Adjustment is finalized pursuant to Section 10.1, together with an amount of interest on the Initial Coinsurance Premium Adjustment at
the Applicable Rate, calculated on the basis of a 360-day year for the actual number of days elapsed, accrued from the Effective Date until, but not including, the date of payment. If the Initial Coinsurance Premium Adjustment is negative, then
the Company shall be entitled to decrease the Funds Withheld Account Balance by withdrawing Reinsurance Assets having, in the aggregate, a Statutory Book Value equal to the absolute value of the Initial Coinsurance Premium Adjustment within five (5)
Business Days after the Initial Coinsurance Premium Adjustment is finalized pursuant to Section 10.1, together with an amount of interest on the Initial Coinsurance Premium Adjustment at the Applicable Rate, calculated on the basis of a
360-day year for the actual number of days elapsed, accrued from the Effective Date until, but not including, the date of payment. 

(v) No later than thirty (30) Business Days following any final adjustments to the Purchase Price (as defined in the SPA) in
accordance with Annex C of the SPA, the Company shall deliver to the Reinsurer a statement (the “SPA Coinsurance Premium Reconciliation Statement”) prepared in good faith by the Company, in the same 

  
 12 








 
form as, and using the same principles that govern, the Life Reference Balance Sheet, setting forth, as of the Effective Date, (1) the calculation of each of the items set forth in clauses (A)
through (E) of the definition in the “Initial Coinsurance Premium” (such amount, the “SPA Adjusted Coinsurance Premium”) and (2) the Statutory Book Value of the Initial Reinsurance Assets as of the Effective Date. The
“SPA Coinsurance Premium Adjustment” shall be equal to the following amount (whether positive or negative): (A) the difference (whether positive or negative) between the SPA Adjusted Coinsurance Premium minus the Actual
Initial Coinsurance Premium, minus (B) the difference (whether positive or negative) between the Statutory Book Value of the Initial Reinsurance Assets determined in connection with the calculation of the SPA Adjusted Coinsurance Premium
minus the Statutory Book Value of the Initial Reinsurance Assets determined in connection with the calculation of the Actual Initial Coinsurance Premium. If the SPA Coinsurance Premium Adjustment is positive, then the Company shall increase
the Funds Withheld Account Balance by such amount and shall allocate to the Funds Withheld Account additional assets having, in the aggregate, a Statutory Book Value equal to the SPA Coinsurance Premium Adjustment within five (5) Business Days after
the SPA Coinsurance Premium Adjustment is finalized pursuant to Section 10.1, together with an amount of interest on the SPA Coinsurance Premium Adjustment at the Applicable Rate, calculated on the basis of a 360-day year for the actual
number of days elapsed, accrued from the Effective Date until, but not including, the date of payment. If the SPA Coinsurance Premium Adjustment is negative then the Company shall be entitled to decrease the Funds Withheld Account Balance by
withdrawing from the Reinsurance Assets having, in the aggregate, a Statutory Book Value equal to the absolute value of the SPA Coinsurance Premium Adjustment within five (5) Business Days after the SPA Coinsurance Premium Adjustment is finalized
pursuant to Section 10.1, together with an amount of interest on the SPA Coinsurance Premium Adjustment at the Applicable Rate, calculated on the basis of a 360-day year for the actual number of days elapsed, accrued from the Effective Date
until, but not including, the date of payment. 
 (b) Ceding Commission. Neither the Reinsurer nor the Company
shall be required to pay a ceding commission hereunder. 
 Section 2.4 Net Retained Liabilities. 

(a) The Company shall be solely responsible for, and the Reinsurer will cooperate reasonably to obtain all waivers and
consents necessary in order to reinsure 100% of the Net Retained Liabilities under this Agreement. The Company and the Reinsurer, at the Company’s reasonable instruction, shall each use their reasonable best efforts in the context of
current market conditions to obtain any such waivers and consents (it being understood that the Company’s and the Reinsurer’s executive officers shall, to the extent reasonably appropriate, be personally engaged in that process) and
promptly advise the other Party of any communications with respect to any such waivers and consents. All correspondence from the Reinsurer to any Person from whom such a waiver or consent is sought shall be in a form approved by the
Company. The Company shall effect any such action with respect to such waivers and consents, including sending correspondence requesting such waivers and consents. To the extent that after the Effective Time, any written waivers or
consents are 

  
 13 








 
obtained to reinsure a Net Retained Liability in respect of a Policy under the terms of this Agreement or the Parties otherwise agree in writing that any such waivers or consents shall not be
required as a condition to coverage of such Policy hereunder, then the liability and obligation pertaining to such Policy shall no longer be deemed a Net Retained Liability for purposes of this Agreement and the liability and obligation pertaining
to such Policy shall be reinsured hereunder effective as of the date of such written consent, waiver or agreement by the Parties, as applicable.

(b) With respect to any such written waiver or consent that is obtained or any such other agreement between the Parties that
any such waivers or consents shall not be required as a condition to coverage hereunder, in each case, after the Effective Date: 

(i) the Company shall pay the Reinsurer an amount of cash equal to the Net Retained Liability Reserve Transfer Amount with
respect to such Net Retained Liability for which waiver or consent was obtained or with respect to which the Parties agreed did not require a consent or waiver as a condition to coverage hereunder;

(ii) the Company shall deliver to the Reinsurer a statement setting forth the Company’s good faith calculation of the
difference (whether positive or negative) between (x) the aggregate amount of the premiums and considerations, premium adjustments and any and all amounts or payments, including any and all policy fees, charges, reimbursements, reinsurance
recoverables and similar amounts, received or collected by the Company in respect of the portion of the Policies from which the relevant Net Retained Liabilities arise during the period following the Effective Date and prior to the date on which
such waiver or consent was obtained or with respect to which the Parties agreed such waiver or consent was not required as a condition to coverage hereunder (the “Net Retained Liabilities Adjustment Period”); and (y) the aggregate
amount equal to the obligations, including any and all death claims, cash surrender benefits, policyholder dividends, reinsurance premiums, commissions and similar amounts, arising out of or relating to the portion of the Policies from which the
relevant Net Retained Liabilities arise (including Extra Contractual Obligations) incurred by the Company during the Net Retained Liabilities Adjustment Period. If such amount is positive, then such amount shall be due to be paid the Company by
the Reinsurer, and if such amount is negative, then such amount shall be due to be paid to the Reinsurer by the Company, in each case, together with an amount of interest on such payment at the Applicable Rate, calculated on the basis of a 360-day
year for the actual number of days elapsed, accrued from the Effective Date until, but not including, the date of payment; and 

(iii) The payment of the amounts in clauses (i) and (ii) shall be reflected in the Net Settlement for the month in which such
consent or waiver was obtained and paid in accordance with Section 6.2. 
 (c) For the avoidance of doubt, prior to
obtaining any such required written consents or waivers, or the making of any such written agreement, the portion of each Policy from which Net Retained Liabilities arise shall not be deemed to constitute a Reinsured Policy for purposes of this
Agreement; provided that the Reinsurer shall provide 

  
 14 








 
administrative services with respect to any Net Retained Liabilities (and the associated Policies) pursuant to the Administrative Services Agreement. Except as otherwise contemplated by this
Section 2.4, the Company shall bear the cost of obtaining any waivers or consents to reinsure a Net Retained Liability. 
 Section
2.5 Guaranty Fund Assessments and Premium Taxes. 
 (a) Guaranty Funds Assessments. In the event the
Company is required to pay an assessment on or after the Effective Date in respect of the Reinsured Policies to any insurance guaranty, insolvency or other similar fund maintained by any jurisdiction, the portion, if any, of such assessment related
to such Reinsured Policies shall be reimbursed by the Reinsurer as part of the applicable monthly settlement pursuant to Section 6.2 To the . extent there is any recovery of any such assessment paid by the Reinsurer, the Company shall
promptly pay the Reinsurer’s Share of such recovery to the Reinsurer. 
 (b) Premium Taxes. 

(i) The Reinsurer shall pay to the Company a provision for premium taxes and other charges, fees, taxes and assessments,
including retaliatory taxes (collectively, “Premium Taxes”), incurred or imposed on or after the Effective Date in connection with premiums written or received under the Reinsured Policies. The provision for Premium Taxes shall
be estimated at 1.8% of premiums received under the Reinsured Policies, as calculated on a monthly basis, and shall be paid by the Reinsurer to the Company as part of the monthly settlement pursuant to Section 6.2 and adjusted annually to an
actual rate for each year as part of the monthly settlement pursuant to Section 6.2 for the second calendar month of the following year, with such monthly settlement to reflect the difference between actual Premium Taxes in respect of the
Reinsured Policies (after giving effect to any offsets for guaranty fund assessments reimbursed by the Reinsurer pursuant to Section 2.5(a)) and estimated Premium Taxes. 

(ii) Each Party shall promptly notify the other in writing upon receipt by it or any of its Affiliates of notice of any pending
or threatened Action related to any Premium Taxes or any Tax Returns filed in connection with such Premium Taxes. 
 (iii)
The Company shall have the right to control the conduct of any Action related to any Premium Taxes or any Tax Returns filed in connection with such Premium Taxes, and to employ counsel of the Company’s choice; provided, that the Reinsurer shall
be permitted, at the Reinsurer’s expense, to be present at, and to participate in, any Action related to Premium Taxes. Notwithstanding such control, the Company shall not settle, either administratively or after the commencement of
litigation, any claim for Premium Taxes without providing reasonable advance written notice to, and an opportunity for prior consultation with, the Reinsurer. The Parties shall furnish or cause to be furnished to each other, upon request, as
promptly as practicable, such information and assistance relating to the preparation for any Premium Tax audit or other Action related to Premium Taxes, and the prosecution or defense of any Action related to any Premium Taxes or any Premium Tax
Returns filed in connection with such Premium Taxes. The Parties shall reasonably cooperate with each other in the conduct of any 

  
 15 








 
Action related to any Premium Taxes. Any information obtained under this Section 2.5(b)(iii) shall be kept confidential, except as otherwise reasonably may be required in connection
with the filing of Premium Tax Returns or claims for Premium Tax refunds or in conducting any Action related to Premium Taxes. 
 Section
2.6 Other Reinsurance. This Agreement is written on a “gross” basis and thus the costs and benefits of Other Reinsurance inuring on the Reinsured Policies are intended to be borne by the Reinsurer; provided, that to the
extent the Other Reinsurance became unrecoverable (in accordance with the Company’s ordinary-course evaluation and statutory accounting treatment) prior to the Effective Time, the recoverability of such amounts shall be borne by the Company.
Other Reinsurance with respect to the Reinsured Policies shall be accounted for herein such that the Reinsurer participates in the Reinsurer’s Share of any premiums, benefits, recoveries, ceding or expense allowances, other allowances and other
adjustments as such amounts and such risks are paid, received or otherwise collected by the Company with respect to such Other Reinsurance, it being understood that the Reinsurer shall bear all risk of collecting third party reinsurance (except as
otherwise provided in Section 3.2(c)). Risks under the terms of any agreement of Other Reinsurance as shall be terminated or recaptured with the Reinsurer’s prior written consent shall be ceded automatically hereunder to the Reinsurer
without any further action required, subject to the receipt by the Reinsurer of the Reinsurer’s Share of any reserve transfer or similar transfer or settlement amount received by the Company from the applicable third party reinsurer. In
connection with any such termination or recapture with the Reinsurer’s prior written consent, the Reinsurer shall pay the Reinsurer’s Share of any resulting special transfer or recapture fee incurred by the Company. The Company covenants
that absent the prior written consent of the Reinsurer, the Company shall not enter into any new or change any existing reinsurance cession with respect to any of the Reinsured Policies. Notwithstanding this Section 2.6 or Section 3.2,
the Company shall retain all rights and primary responsibility with respect to payments under Other Reinsurance Agreements. 
 Section 2.7
Policy Changes and Non-Guaranteed Elements. 
 (a) Policy Changes. The Company agrees that it shall not make any changes
in the provisions and conditions of a Reinsured Policy or an Assumed Reinsurance Agreement except with the Reinsurer’s prior written consent or to the extent that any change to the terms of any Reinsured Policy is required by Applicable Law. To
the extent a change is required by Applicable Law, the Company shall, within a reasonable period of time prior to effecting such change, provide reasonably detailed written notice to the Reinsurer describing the nature of such change and the reasons
for making such change. The Company shall also afford the Reinsurer, at the Reinsurer’s expense, the opportunity, to the extent reasonably practicable, to object to such change under applicable administrative procedures to the same extent the
Company could make such objection under Applicable Law; provided, that the Reinsurer may only object to such change in the same manner and to the same extent as it objects to any similar change required by any Applicable Law to life insurance
policies and contracts of the Reinsurer that are substantially similar to the Reinsured Policies. 
 (b) Non-Guaranteed
Elements. The Company will be responsible for determining the cost of insurance charges, loads and expense charges, credited interest rates, mortality and expense charges, administrative expense risk charges and policyholder dividends,


  
 16 








 
as applicable, under the Reinsured Policies (“Non-Guaranteed Elements”); provided, that the Reinsurer may provide written recommendations regarding the Non-Guaranteed
Elements to the Company and, provided that such recommendations are the same as the Non-Guaranteed Elements established by the Reinsurer for life insurance policies and contracts of the Reinsurer that are substantially similar to the Reinsured
Policies and comply with the written terms of the Policies, Applicable Law and Actuarial Standards of Practice promulgated by the Actuarial Standards Board governing redetermination of non-guaranteed charges. The Company should consider any
such recommendations and act reasonably and in good faith in determining whether to accept any such recommendations and shall not unreasonably delay implementation of any accepted recommendations for more than ten (10) Business Days after such
recommendations are provided to the Company in writing. Notwithstanding the foregoing, the Company shall retain the responsibility for determining the Non-Guaranteed Elements. 

Section 2.8 Premiums. Payment of Premiums to the Reinsurer, as Administrator pursuant to the Administrative Services Agreement, by
or on behalf of a policyholder shall be deemed received by the Company. All monies, checks, drafts, money orders, postal notes and other instruments that may be received after the Effective Date by the Company for premiums, fees or other
payments on or in respect of the Reinsured Policies shall be held in trust by the Company for the benefit of the Reinsurer and shall be immediately transferred and delivered to the Reinsurer, and any such instruments when so delivered shall bear all
endorsements required to effect the transfer of same to the Reinsurer. The Reinsurer is hereby authorized to endorse for payment to the Reinsurer any such checks, drafts, money orders and other instruments pertaining to the Reinsured Policies
that are payable to, or to the order of, the Company and received by the Reinsurer under this Agreement. 
 Section 2.9 Assignment;
Security Interest. 
 (a) The Company hereby assigns, transfers and conveys to the Reinsurer, effective as of the Effective Time, all of
the Company’s right, title and interest (legal, equitable or otherwise), if any, to payments (i) under the Reinsured Policies of principal and interest paid on policy loans and (ii) of the Premiums, fees and other payments due or made on or
after the Effective Date under the Reinsured Policies. The Reinsurer and the Company hereby agree that, in connection with any termination of this Agreement, all of the Reinsurer’s right, title and interest (legal, equitable or otherwise)
in and to the items set forth in (i) and (ii) above shall be immediately assigned, transferred and conveyed to the Company without any further action by the Parties. Each Party, as reasonably requested by the other from time to time, shall take
all reasonably appropriate actions and execute any reasonably necessary and appropriate additional documents, instruments or conveyances of any kind which may be reasonably necessary to carry out the provisions of this Section 2.9(a). 

(b) The Parties intend that at all times prior to the termination of this Agreement that the Company’s assignment pursuant to Section
2.9(a) be a present assignment of all of the Company’s rights, title and interest and not an assignment as collateral. However, to the extent that such assignment is not recognized as a present assignment, is not valid or is
recharacterized as a pledge rather than a lawful conveyance to the Reinsurer, the Company does hereby bargain, sell, convey, assign and otherwise pledge to the Reinsurer, and grant a first priority security interest to the Reinsurer in, all of the
Company’s right, title and interest (legal, 

  
 17 








 
equitable or otherwise), if any, to payments (i) under the Reinsured Policies of principal and interest paid on policy loans and (ii) of all Premiums, fees and other payments due or made on or
after the Effective Date under the Reinsured Policies (collectively, the “Collateral”) to secure all of the Company’s obligations under this Agreement. 

(c) This Section 2.9 is being included in this Agreement to ensure that, if an insolvency or other court determines
that, notwithstanding the provisions of this Agreement, including Sections 2.1, 2.2, 2.3, 2.8, 6.2 and 12.1, and the intent of this Agreement, the Company retained ownership of or any rights in the
Collateral, the Reinsurer’s rights to the Collateral are protected with a first priority, perfected security interest, and it is the intent of the Parties that this Section 2.9 be interpreted as such. 

(d) At or prior to the Effective Time, the Company shall file, and the Reinsurer is authorized to file, any and all financing
statements reasonably requested by the Reinsurer in order to perfect the Reinsurer’s right, title and interest under Article 9 of the UCC in and to the Collateral, and the Company shall do such further acts and things as the Reinsurer may
reasonably request in order that the security interest granted hereunder may be maintained as a first priority perfected security interest; provided, that the Reinsurer shall be required to bear all out-of-pocket costs and expenses (including
reasonable attorney’s fees) incurred by the Company in connection with any such action or other thing requested by the Reinsurer. 

Section 2.10 Hedging. 

(a) The Company shall purchase derivatives to hedge the index risk associated with the Equity Indexed Reinsured Policies (each,
an “EI Hedge” and collectively, the “EI Hedges”). The Company hereby conveys, transfers and assigns to the Reinsurer, effective as of the Effective Date, a 100% interest in the gross proceeds in respect of the
EI Hedges purchased by the Company prior to or following the Effective Date, intended to hedge the index risk associated with the Reinsurer’s Share of the Equity Indexed Reinsured Policies, each such EI Hedge purchased prior to the Effective
Date is set forth on Annex C hereto. Such assignment shall occur automatically, without further action on the part of either Party, upon the purchase by the Company of any EI Hedge or, in the case of any EI Hedges entered into prior to the
date hereof, as of the date hereof. EI Hedges assigned under this Section 2.10(a) will be accounted for as funds withheld assets payable by the Company to the Reinsurer. 

(b) The Company shall pay to the Reinsurer any Assigned EI Hedge Proceeds Amounts to the Funds Withheld Account. 

(c) The Reinsurer shall pay to the Company any Assigned EI Hedge Costs Amounts in accordance with Section 6.2 until the
applicable EI Hedges have been novated to the Reinsurer. 
 (d) The Company shall use reasonable care in its hedging
activities with respect to the Reinsured Policies, and such activities shall be consistent with the applicable standards set forth in the Transition Services Agreement. In addition, the Company shall not


  
 18 








 
treat the EI Hedges in any respect in a manner that is different than the manner in which it treats the hedges it enters into with respect to equity indexed policies issued by the Company that
are not Equity Indexed Reinsured Policies. 
 (e) The Company agrees that other than as provided expressly in this Agreement,
it shall take any actions reasonably requested by the Reinsurer to maintain in full force and effect each of the EI Hedges and to perform fully each of its obligations thereunder. The Company may not modify, amend or terminate any EI Hedge or
waive any of its rights under any such EI Hedge without the Reinsurer’s prior written consent (which consent shall not be unreasonably withheld, conditioned or delayed) and shall fully enforce, at the expense of the Reinsurer, all of its rights
thereunder, including, at the Reinsurer’s request and if applicable, requiring the collateralization by the Hedge Counterparty of exposure and other amounts required to be paid or delivered thereunder. With the Reinsurer’s prior
written consent, the Company may exercise any right it may have to terminate any such EI Hedge and shall, at the Reinsurer’s instruction and expense, effect any discretionary action with respect to the management or administration of the EI
Hedges as the Reinsurer shall reasonably request, including termination, as may be available pursuant to the terms and conditions of any EI Hedge; provided, however, that the Reinsurer shall indemnify and hold harmless the Company for
Losses arising out of any such discretionary action so requested by the Reinsurer and the Company shall indemnify and hold harmless the Reinsurer for Losses to the extent arising out of any failure by the Company to take any such discretionary
action as reasonably requested by the Reinsurer. The Company agrees that it shall, at the direction and at the cost and expense of the Reinsurer, pursue commercially reasonable management and collection efforts with respect to the EI Hedges
and, in general, will reasonably cooperate with the Reinsurer in the management and administration of the EI Hedges. 
 (f)
Following the Effective Date, at the Reinsurer’s request and expense, the Company shall cooperate with the Reinsurer and use its reasonable best efforts in the context of current market conditions to novate any EI Hedges from the Company to the
Reinsurer or a designated Affiliate of the Reinsurer. The Company shall promptly advise the Reinsurer of any communications with respect to any such proposed novation. All material, written correspondence from either the Company or the
Reinsurer to any Hedge Counterparty in connection with any such proposed novation shall be in a form approved by the other Party; provided that any such approval shall not be unreasonably withheld, conditioned or delayed. At the
Reinsurer’s instruction and at the Reinsurer’s cost and expense, the Company shall take any such action with respect to any such proposed novation as the Reinsurer shall reasonably request, including sending correspondence requesting that
an EI Hedge be novated to the Reinsurer or a designated Affiliate of the Reinsurer in a form approved by the Reinsurer; provided, however, that the Reinsurer shall indemnify and hold harmless the Company for Losses arising out of any
such action so requested by the Reinsurer and the Company shall indemnify and hold harmless the Reinsurer for Losses to the extent arising out of any failure by the Company to take any such action as reasonably requested by the Reinsurer. 

Section 2.11 Existing Interest Maintenance Reserve. Set forth on Schedule 2.11 is the Reinsurer’s Share of the
Existing Interest Maintenance Reserve attributable to the Reinsured 

  
 19 








 
Liabilities. The entirety of such Existing Interest Maintenance Reserve shall be calculated by the Company and ceded to the Reinsurer and transferred into the Funds Withheld Account, and shall be
amortized as set forth on Schedule 2.11. The Company shall have no obligation to establish any such Existing Interest Maintenance Reserve. 

Section 2.12 Retention. Unless the New York Department of Financial Services provides its prior written consent, the Reinsurer shall
not retrocede any Reinsured Liabilities in connection with any transaction or series of transactions in which such liabilities will be ceded to a special purpose financial captive insurer. 

Section 2.13 Cash Flow Testing Reserves. The Reinsurer will pay to the Company the Portfolio Yield on the Initial Cash Flow
Testing Reserves as part of the Net Settlement pursuant to Section 6.2. 
 ARTICLE III 

REINSURANCE LIABILITY 
 Section
3.1 Reinsurance Liability. The reinsurance by the Reinsurer of the Reinsured Policies is subject to the same rates, conditions, limitations and restrictions as the insurance under the Reinsured Policies written by the Company on which
the reinsurance is based. The liability of the Reinsurer hereunder on the terms described herein begins as of the Effective Time and, subject to Article IX hereof, the liability of the Reinsurer on any Reinsured Policy will terminate as
and when all liability of the Company with respect to such Reinsured Policy terminates. 
 Section 3.2 Other Reinsurance. 

(a) The Company agrees that other than as provided expressly in this Agreement, it shall take any actions reasonably requested by the
Reinsurer to maintain in full force and effect each of the Other Reinsurance Agreements and to perform fully each of its obligations thereunder. The Company may not modify, amend, terminate or recapture any Other Reinsurance Agreement or waive
any of its rights under any such agreement without the Reinsurer’s prior written consent and shall fully enforce, at the expense of the Reinsurer, all of its rights thereunder, including, at the Reinsurer’s request, requiring the
collateralization by the third party reinsurer of reserve balances and other amounts thereunder. With the Reinsurer’s prior written consent, the Company may exercise any right it may have to recapture risks ceded under any of the Other
Reinsurance Agreements or to otherwise terminate any such agreement and shall, at the Reinsurer’s instruction and expense, effect any such action with respect to the management or administration of the Other Reinsurance as the Reinsurer shall
reasonably request, including termination or recapture, as may be available under or with respect to the terms of any Other Reinsurance Agreement; provided, however, that the Reinsurer shall indemnify and hold harmless the Company for
Losses arising out of any such action so requested by the Reinsurer. Subject to the terms and conditions of the Administrative Services Agreement, the Company agrees that it shall, at the direction and at the cost and expense of the Reinsurer
(including any reasonable out-of-pocket expenses incurred by the Company), pursue commercially reasonable management and collection efforts with respect to the Other Reinsurance and, in general, will reasonably cooperate with the Reinsurer in the
management of the Other Reinsurance. 

  
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 (b) Following the Effective Date, at the Reinsurer’s expense and reasonable request, the
Company shall cooperate with the Reinsurer and shall use its reasonable best efforts in the context of current market conditions to novate any Other Reinsurance from the Company to the Reinsurer or a designated Affiliate of the Reinsurer. The
Parties shall promptly advise each other of any communications with respect to any such proposed novation. All correspondence from either the Company or the Reinsurer to any reinsurer under Other Reinsurance in connection with any such proposed
novation shall be in a form approved by the other Party; provided that any such approval shall not be unreasonably withheld, conditioned or delayed. At the Reinsurer’s instruction and at the Reinsurer’s cost and expense
(including any reasonable out-of-pocket expenses incurred by the Company), the Company shall effect any such action with respect to any such proposed novation as the Reinsurer shall reasonably request, including sending correspondence requesting
that an Other Reinsurance Agreement be novated to the Reinsurer or a designated Affiliate of the Reinsurer in a form approved by the Reinsurer; provided, however, that the Reinsurer shall indemnify and hold harmless the Company for
Losses arising out of any such action so requested by the Reinsurer. 
 (c) The Company agrees that whenever an Other Reinsurance Agreement
provides the Company with a right of set-off, the Company shall exercise such right of set-off in the event that amounts are due and unpaid from the Reinsurer. The Company shall have no obligation to pursue any claims it may have for
indemnification to which it may be entitled in connection with the Other Reinsurance unless requested to do so by the Reinsurer and at the cost and expense of the Reinsurer (including reasonable out-of-pocket expenses incurred by the
Company). In no event shall any such right to indemnification reduce the Reinsurer’s responsibility for the risk of all Other Reinsurance.

Section 3.3 Disclaimer. The Company has no duties, whether express or implied, including the duty of utmost good faith and other
similar duties, which the Company expressly disclaims, and makes no representations or warranties to the Reinsurer, other than those expressly contained in this Agreement. The Reinsurer has no duties, whether express or implied, including the
duty of utmost good faith and other similar duties, which the Reinsurer expressly disclaims, and makes no representations or warranties to the Company, other than those expressly contained in this Agreement. 

ARTICLE IV 
 CERTAIN FINANCIAL
PROVISIONS 
 Section 4.1 Credit for Reinsurance. If at any time during the term of this Agreement, the Reinsurer fails to hold
and maintain all licenses, permits and authorities required under Applicable Law to enable the Company to receive statutory reserve credit for the reinsurance ceded to the Reinsurer hereunder in the Company’s state of domicile, the Reinsurer
shall, at its sole expense, establish and maintain security in the form of letters of credit, assets held in a reinsurance trust, funds withheld arrangement or a combination thereof in a manner that meets all Applicable Laws regarding credit for
reinsurance, so as to permit the Company to receive full statutory reserve credit for the reinsurance ceded to the Reinsurer hereunder in the Company’s 

  
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state of domicile. The form of such letter of credit, trust agreement for such reinsurance trust or any funds withheld arrangement shall be approved by the New York Department of Financial
Services prior to use. 
 Section 4.2 RBC Reports. 

(a) Within forty-five (45) days following the end of the first three calendar quarters of each year during the term of this Agreement, the
Reinsurer shall provide to the Company a report of its RBC Ratio as of the end of such calendar quarter, as estimated in good faith by the Reinsurer. 

(b) Within five (5) Business Days of the submission by the Reinsurer to the insurance department of its domiciliary state of a report of its
risk-based capital levels as of the end of the previous calendar year, but in no event later than sixty (60) days following the end of each calendar year, the Reinsurer shall provide to the Company written certification of its RBC Ratio as of the
end of such calendar year. 
 Section 4.3 Establishment of the Funds Withheld Account. 

(a) On or prior to the Effective Date, the Company shall establish on its books and records a funds withheld account (the
“Funds Withheld Account”) and allocate thereto the Initial Reinsurance Assets with a Statutory Book Value equal to the Initial Coinsurance Premium and, thereafter, shall maintain the Funds Withheld Account with assets having a
Statutory Book Value equal to the Funds Withheld Account Amount determined from time to time in accordance with this Agreement (the Initial Reinsurance Assets and any other assets allocated to the Funds Withheld Account pursuant to this Agreement,
the “Reinsurance Assets”). The Funds Withheld Account shall be a segregated account established by the Company. The Company will retain, control and own all Reinsurance Assets. The Company shall record the Funds
Withheld Account Balance on its statutory financial statements as a payable to the Reinsurer. 
 (b) The Reinsurance Assets
(other than the policy loans) shall be invested by the Reinsurer or by Goldman Sachs Asset Management or such other investment manager appointed by the Reinsurer with the prior written consent of the Company pursuant to an investment management
agreement. The Reinsurer, Goldman Sachs Asset Management or such other investment manager appointed by the Reinsurer with the prior written consent of the Company shall have the authority to purchase EI Hedges on the account of the Company
commencing (1) year following the Effective Date. For greater certainty, (i) each policy loan repaid and interest payment on a policy loan shall be accounted for as a cash transfer to the Funds Withheld Account from the policyholder in an
amount equal to such policy loan repayment or interest payment (and shall result in an allocation by the Company to the Funds Withheld Account of cash, assets or a combination of cash and assets, with an aggregate Statutory Book Value equal to such
policy loan repayment or interest payment), and (ii) each policy loan taken by a policyholder shall be accounted for as a cash transfer from the Funds Withheld Account to such policyholder (and shall result in cash, assets or a combination of cash
and assets, with an aggregate Statutory Book Value equal to the proceeds of such policy loan no longer being allocated by the Company to the Funds Withheld Account) and the 

  
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Company shall establish a Reinsurance Asset in an amount equal to the outstanding balance of such policy loan and any accrued but unpaid interest thereon and shall allocate such Reinsurance Asset
to the Funds Withheld Account. 
 (c) Assets in the Funds Withheld Account may be withdrawn and applied by the Company or any
successor of the Company without diminution because of insolvency on the part of the Company or the Reinsurer only for the following purposes: 

(i) to pay to the Company any amount due to be paid out of the Funds Withheld Account as part of the Reinsurer Termination
Payment to the extent such amount is not being disputed by the Reinsurer in good faith; 
 (ii) to pay any portion of the Net
Settlement due to be paid to the Company in accordance with Sections 6.2(b) and 6.2(c) to the extent such portion is not being disputed by the Reinsurer in good faith, and any portion thereof that is due to be paid to the Reinsurer to
the extent such portion is not being disputed by the Company in good faith; 
 (iii) to pay to the Reinsurer amounts
remaining in the Funds Withheld Account, if any, after the payment of any amounts due to be paid out of the Funds Withheld Account as part of the Reinsurer Termination Payment to the extent such amount is not being disputed by the Company in good
faith; or 
 (iv) to pay or reimburse the Company for any other amounts due but not yet recovered from the Reinsurer under
this Agreement in order to satisfy liabilities under the Reinsured Policies to the extent such amounts are not being disputed by the Reinsurer in good faith. 

For the avoidance of doubt, (i) any amounts referred to above that are not the subject of a good faith dispute may be withdrawn and applied for
the purposes provided above and (ii) payments to policyholders shall not be delayed due to any good faith disputes by the Company or the Reinsurer under this Section 4.3(c). 

(d) If assets are withdrawn from the Funds Withheld Account and are not immediately applied for the purposes set forth in
Section 4.3(c) above, the assets improperly withdrawn from the Funds Withheld Account by the Company shall be immediately returned to the Funds Withheld Account. Until such assets are returned to the Funds Withheld Account, such assets shall
be held in trust by the Company separate and apart from any other assets of the Company. The Company shall pay to the Funds Withheld Account interest on the amount of any such improperly withdrawn assets at the Applicable Rate from the date of
withdrawal to the date such assets are returned to the Funds Withheld Account or paid to the Reinsurer, as applicable (the “Excess FWA Draw Interest Amount”). Such interest shall accrue monthly and shall be paid on the Business
Day following the last day of each Monthly Accounting Period. The balance of the amount held or required to be so held separate and apart as of any date of determination shall be an amount (the “Excess FWA Draw Amount”) equal
to (i) the Statutory Book Value of assets withdrawn from the Funds Withheld Account in excess of amounts required for the purposes described in Section 4.3(c) above minus any 

  
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amounts applied by the Company therefrom for such permissible purposes plus (ii) the Excess FWA Draw Interest Amount (whether or not payable as of such date of determination). 

ARTICLE V 
 PLAN OF REINSURANCE

 Section 5.1 Plan. Reinsurance under this Agreement is on a 100% coinsurance funds withheld basis and is subject to the terms
and conditions of the original policy forms for the Reinsured Policies and any amendments thereto in effect as of the Effective Date. 

Section 5.2 Follow the Fortunes. The Reinsurer’s liability under this Agreement shall commence on the Effective Date, and all
reinsurance with respect to which the Reinsurer shall be liable by virtue of this Agreement shall be subject in all respects to the same risks, terms, rates, conditions, interpretations, assessments, waivers, proportion of premiums paid to, and
reinsurance recoveries benefiting, the Company with respect to the Reinsured Liabilities and the Reinsured Policies, the true intent of this Agreement being that the Reinsurer shall follow the fortunes of the Company with respect to the Reinsured
Liabilities and Reinsured Policies. 
 Section 5.3 Reductions and Terminations. Reinsurance amounts are calculated in terms of
coverages on a “per policy” basis. If the coverage of any Reinsured Policy on an insured is reduced or terminated, reinsurance under this Agreement on such Reinsured Policy will be equally reduced or terminated. 

Section 5.4 Reinstatements. Reinsured Policies ceded under this Agreement shall include any Policy that is reduced, terminated,
lapsed or surrendered, and later reinstated pursuant to and in accordance with its policy provisions and will be reinsured by the Reinsurer in accordance with the terms of this Agreement. The Reinsurer will retain any Premiums and interest that
the Company has received for reinstatement in respect of periods on or after the Effective Date. A terminated Policy that would have been a Reinsured Policy had it been in force at the Effective Time, that later reinstates pursuant to and in
accordance with its policy provisions, will be reinsured by the Reinsurer and become a Reinsured Policy. The Reinsurer will be entitled to retain any Premiums and interest for coverage on or after the Effective Date that is received for such
reinstatement, and the Company will transfer to the Reinsurer the amount of reserves for such reinstated Reinsured Policy as of the Effective Date, calculated in a manner that is consistent with the reserve calculations used for the other Reinsured
Policies. The date of reinsurance for such reinstated Reinsured Policies shall be the Effective Date. For the avoidance of doubt, the reinstated Policies reinsured under this Section 5.4 shall include any Policy treated as lapsed or
otherwise terminated prior to the Effective Time under which the Company subsequently becomes liable as a result of a determination that the policyowner, insured or beneficiary has died prior to the lapse or termination. 

Section 5.5 Contractual Conversions; Internal Replacement. 

(a) Any conversion, exchange or replacement policy or contract arising from the Reinsured Policies that is converted, exchanged or
replaced pursuant to and in accordance with its policy terms shall be deemed to constitute a Reinsured Policy for purposes of this 

  
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Agreement and, in the event of a conversion, exchange or replacement of any Reinsured Policy, the Reinsurer shall reinsure the risk resulting from such conversion on the basis set forth hereby
with respect to the Reinsured Policies; provided, however, that the Reinsurer shall not be required to pay any ceding commission with respect to any such converted, exchanged or replacement policy or contract. The Reinsurer will
reimburse the Company for any expenses incurred in issuing a converted, exchanged or replacement policy or contract, but only to the extent such expenses are not covered by payments made by the Reinsurer under the Transition Services Agreement. 

(b) Absent the Reinsurer’s prior written consent (which may be withheld in its sole discretion), the Company will not solicit owners,
beneficiaries or policyholders in connection with, or sponsor or assist, directly or indirectly, in the conduct of, (and will cause each of its Affiliates to refrain from soliciting in connection with, and sponsoring or assisting, directly or
indirectly, in the conduct of) any program of internal replacement under which the owners, beneficiaries or policyholders of Reinsured Policies are or would be encouraged to exchange, or assisted in the exchange of, Reinsured Policies for other
insurance policies or contracts that are not reinsured under this Agreement. Should the Company or its Affiliates or any of their respective successors or assigns initiate such a program of internal replacement that would include any of the
risks reinsured hereunder in violation of the preceding sentence, the Company will immediately notify the Reinsurer. For each risk reinsured hereunder that has been replaced under a program of internal replacement, the Reinsurer shall have the
option, at its sole discretion, of either treating the risks reinsured as recaptured on terms reasonably acceptable to the Reinsurer or continuing reinsurance on the new policy under the terms of this Agreement without any ceding commission
therefor. 
 Section 5.6 Policy List Errors. 

(a) The Company or the Reinsurer, as applicable, shall notify the other Party if any life insurance policies or contracts issued or reinsured
by the Company and in force as of the Effective Date were inadvertently not included on the Policy List and are determined to be a Policy, which shall in no event include any insurance policies and contracts falling within the following lines of
business: health, annuities, funding agreements, corporate-owned life insurance and bank-owned life insurance when sold on a group basis, synthetic guaranteed investment contracts and variable life or other variable business. 

(b) If any policies or contracts (or components thereof) are determined to be Policies in accordance with this Section 5.6, then the
Company shall transfer cash or assets reasonably satisfactory to the Reinsurer into the Funds Withheld Account in an amount equal to the Statutory Reserves required to be held with respect to such Policies to the extent such Statutory Reserves
were not previously transferred to the Funds Withheld Account. 
 Section 5.7 Renewal Commissions. Any renewal commissions due
following the Effective Date will the responsibility of the Reinsurer and shall be paid by the Reinsurer to the Company as part of the Net Settlement pursuant to Section 6.2. 

  
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 ARTICLE VI 

ADMINISTRATION 
 Section 6.1
Administrative Services. 
 (a) The Parties hereby agree that the Policies, Other Reinsurance Agreements and, subject
to Section 2.10, the EI Hedges shall be administered in accordance with or as otherwise provided in the Administrative Services Agreement and the Transition Services Agreement. The administration of the Policies, Other Reinsurance Agreements and EI
Hedges shall be at the sole cost and expense of the Reinsurer. 
 (b) In the event that the Reinsurer is unable to administer
the Policies, Other Reinsurance Agreements and EI Hedges as provided in Section 6.1(a), the Reinsurer shall remain obligated for the costs and expenses of any replacement party providing such administration and the Reinsurer shall reimburse
the Company for any such costs and expenses as part of the Net Settlement pursuant to Section 6.2. 
 Section 6.2 Net
Settlements. 
 (a) For each Monthly Accounting Period, the Parties will effect a settlement on a net basis (the “Net
Settlement”) as contemplated in Annex B hereto. 
 (b) A report reflecting in detail the Net Settlement determinations
contemplated in Annex B shall be prepared not later than thirty (30) calendar days after the end of each Monthly Accounting Period. For as long as required under the Transition Services Agreement, the Company shall prepare and deliver
such report to the Reinsurer. After such time, the Reinsurer shall prepare and deliver such report to the Company. If a Net Settlement report reflects a balance due to the Company, the amount(s) shown as due shall be paid within ten (10)
Business Days of the delivery of the report. If a Net Settlement report reflects a balance due to the Reinsurer, the amount(s) shown as due shall be paid within ten (10) Business Days after the date on which the report was delivered. If
there is a delayed settlement of any payment due hereunder, interest will accrue on such payment at the Applicable Rate. For purposes of this section, a payment will be considered overdue on the date which is ten (10) Business Days after the
date such payment is due hereunder; provided that such interest will begin to accrue from the original due date with respect to such payment. All settlements of account between the Company and the Reinsurer shall be made in cash or its
equivalent. 
 (c) To the extent that the Reinsurer makes any direct payments to or on behalf of the Company in respect of Reinsured
Liabilities or other amounts payable to the Company pursuant to the Net Settlement in respect of a Monthly Accounting Period prior to the Net Settlement process, whether in its capacity as the Administrator or otherwise, the amount of any such
payments shall be taken into account for purposes of determining the Net Settlement. In addition, to the extent the Reinsurer receives any Premiums or other amounts payable to the Reinsurer pursuant to the Net Settlement in respect of a Monthly
Accounting Period prior to the Net Settlement process, whether in its capacity as the Administrator or otherwise, the amount of any such Premiums received shall be taken into account for purposes of determining the Net Settlement. 

  
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 (d) The Net Settlement report delivered in respect of each Monthly Accounting Period shall
include an adjustment to the Funds Withheld Account Balance (each, a “Funds Withheld Account Adjustment”). The Funds Withheld Account Adjustment shall be calculated as an amount equal to (i) minus (ii) minus (iii), where: 

(i) equals the Funds Withheld Account Amount as of the last day of the Monthly Accounting Period to which the then current Net
Settlement report relates; and 
 (ii) equals the Funds Withheld Account Amount at the end of the immediately preceding
Monthly Accounting Period, and 
 (iii) equals the Investment Income earned during the period from but excluding the last day
of the immediately preceding Monthly Accounting Period to and including the last day of the Monthly Accounting Period to which the then current Net Settlement report relates. 

(e) If the Funds Withheld Account Adjustment for any Monthly Accounting Period is positive, then the Reinsurer shall remit to
the Company an amount equal to the Funds Withheld Account Adjustment in accordance with Section 6.2(b). If the Funds Withheld Account Adjustment for any Monthly Accounting Period is negative, then the Company shall remit to the Reinsurer
an amount equal to the absolute value of the Funds Withheld Account Adjustment in accordance with Section 6.2(b). For purposes of calculating the Funds Withheld Account Adjustment for the first Monthly Accounting Period after the
Effective Time, clause (iii) of Section 6.2(d) shall include only Investment Income earned since the Effective Time. 
 (f) In
connection with any settlement under this Agreement, the Reinsurer shall not be obligated to pay any Excluded Reinsured Liability. 
 ARTICLE
VII 
 DAC TAX 
 Section 7.1
DAC Tax Election. The Company and the Reinsurer hereby elect and agree under Treasury Regulations Section 1.848-2(g)(8) as follows: 

(a) The Company and the Reinsurer will each attach a schedule to its federal income tax return for the first taxable year
ending after the Effective Date that identifies this Agreement as a reinsurance agreement for which a joint election under Treasury Regulation Section 1.848-2(g)(8) has been made, and will otherwise file its respective federal income tax returns in
a manner consistent with the provisions of Treasury Regulation Section 1.848-2 as in effect on the date this Agreement is executed; 

(b) For each taxable year under this Agreement, the Party with the net positive consideration, as defined in the regulations
promulgated under Section 848 of the Code, will capitalize specified policy acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c)(1) of the Code; 

  
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 (c) The Company and the Reinsurer 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 Code and applicable Treasury Regulations; 

(d) The first tax year for which this election is effective is 2013; 

(e) The Reinsurer will submit to the Company by May 15 each year its calculation of the amount of the net consideration
for the preceding calendar year. This schedule of calculations will be accompanied by a statement that the Reinsurer will report such amount of net consideration in its tax return for the preceding calendar year; 

(f) The Company may contest such calculation by providing an alternative calculation to the Reinsurer in writing within thirty
(30) days of the Company’s receipt of the Reinsurer’s calculation. If the Company does not so notify the Reinsurer, the Company will report the amount of net consideration as determined by the Reinsurer in the Company’s tax
return for the previous calendar year; 
 (g) If the Company contests the Reinsurer’s calculation of the amount of net
consideration, the dispute shall be resolved in accordance with Section 10.2. 
 Both the Company and the Reinsurer are subject to
U.S. taxation under Subchapter L of Chapter 1 of the Code. 
 ARTICLE VIII 

INSOLVENCY 
 Section 8.1
Insolvency. The reinsurance ceded hereunder shall be payable by the Reinsurer on the basis of liability of the Company under the Reinsured Policies without diminution because of the insolvency of the Company, directly to the Company or
its liquidator, receiver or statutory successor, except where the Reinsurer, with the consent of the direct insured, has assumed the policy obligations of the Company as direct obligations of the Reinsurer to the payees under a Reinsured Policy and
in substitution for the obligations of the Company to the payees. It is agreed and understood, however, that (i) in the event of the insolvency of the Company, the liquidator, receiver or statutory successor of the Company shall give the
Reinsurer written notice of the pendency of a claim against the insolvent Company on a Reinsured Policy within a reasonable time after such claim is filed in the insolvency proceeding and (ii) during the pendency of such claim the Reinsurer may
investigate such claim and interpose, at its own expense, in the proceeding where such claim is to be adjudicated any defenses which it deems available to the Company, its liquidator, receiver or statutory successor 

Section 8.2 Expenses. It is further understood that any expense incurred by the Reinsurer pursuant to Section 8.1 shall be
chargeable, subject to court approval, against the insolvent Company as part of the expense of liquidation to the extent of a proportionate share of the benefit which may accrue to the Company solely as a result of the defense undertaken by the
Reinsurer. Where two or more assuming reinsurers are involved in the same claim and a majority in interest elect to interpose defenses to such claim, the expense shall be apportioned in accordance with the terms of this Agreement as though such
expense had been incurred by the Company. 

  
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 TERMINATION 

Section 9.1 Duration of Coinsurance. This Agreement will be effective as of the Effective Time. Subject to the provisions of
this Article IX, this Agreement will remain in effect, and the reinsurance provided hereunder will remain in force, until termination of the policy or policies on which the reinsurance is based in accordance with the terms of this
Agreement. Except as provided in Sections 9.3, the Reinsured Policies are not eligible for recapture by the Company. 
 Section
9.2 Termination. This Agreement shall terminate: 
 (a) at any time upon the mutual written consent of the
Parties hereto, which writing shall state the effective date of termination; or 
 (b) automatically at such time as no
liability remains under this Agreement. 
 Section 9.3 Termination by the Company. The Company, in its sole discretion, shall
have the option to terminate this Agreement upon the occurrence of any one of the following events: 
 (a) the Reinsurer is placed in
receivership, conservatorship, rehabilitation or liquidation by any insurance regulatory authority; 
 (b) the Reinsurer breaches Section
4.1, and the Reinsurer fails to cure such breach within the earlier of (i) thirty (30) days following receipt of written notice of such breach from the Company and (ii) the last day of the calendar quarter in which such breach occurs;
provided that the Company shall have no right to terminate if the Reinsurer cannot take any action reasonably required for the Company to receive statutory reserve credit without the reasonable cooperation of the Company and the Company shall
not have reasonably cooperated with the Reinsurer; provided, further, that it shall be deemed unreasonable to require the Company to cooperate in the event such cooperation would impose on the Company any cost and the Reinsurer has not
agreed to be responsible for such cost; 
 (c) the Reinsurer fails to pay any material amount due to the Company under this Agreement and
(i) such amount is not subject to a good faith dispute and (ii) such failure is not cured within ten (10) Business Days following the Reinsurer’s receipt of written notice of such failure from the Company; or 

(d) in the event that (i) the Reinsurer’s RBC Ratio is less than 175% or (ii) the Reinsurer fails to provide its RBC Ratio in accordance
with Section 4.2 and, upon delivery of written notice from the Company to the Reinsurer, the Reinsurer shall fail to provide its RBC Ratio within ten (10) Business Days following such notice. 

Section 9.4 Termination by the Reinsurer. Upon the occurrence of a Reinsurer Termination Event, the Reinsurer shall have the right
(but not the obligation) to terminate this Agreement by providing written notice to the Company of its intent to terminate. Termination of this Agreement shall be effective on the date specified in such notice, provided that such date 

  
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 shall not be prior to the date on which the Termination Event occurred. Upon termination of this Agreement
pursuant to this Section 9.4, the Company shall be deemed to have recaptured and reassumed all Reinsured Liabilities. Recapture of the Reinsured Policies shall be effective on the date specified in the notice of termination. 

Section 9.5 Settlement Upon Termination. Upon the termination of this Agreement by the Company pursuant to Section 9.3 or
by the Reinsurer pursuant to Section 9.4, subject to payment by the Reinsurer of any amounts due to the Company pursuant to this Section 9.5 and the payment by the Company of any amounts due to the Reinsurer pursuant to this Section
9.5, the Company shall recapture all liabilities previously ceded to the Reinsurer and the Reinsurer’s liability under this Agreement will terminate (provided, that such termination shall not relieve any Party of any pre-termination
breach of this Agreement). The Company shall prepare a Net Settlement report for the period commencing on the first day of the then-current Monthly Accounting Period and ending on the date this Agreement is terminated pursuant to Sections
9.3 or 9.4 (the “Terminal Accounting and Settlement Report”). If a Net Settlement report reflects a balance due (a) the Company, the amount(s) shown as due shall be paid by the Reinsurer on the tenth (10th ) Business Day following the delivery of such Terminal Accounting and Settlement Report (the “Reinsurer Termination Payment”) and (b) the Reinsurer, the amount(s) shown as due shall
be paid by the Reinsurer on the tenth (10th ) Business Day following the delivery of such Terminal Accounting and Settlement Report (the “Company Termination Payment”);
provided, that, for the avoidance of doubt, the Reinsurer Termination Payment and the Company Termination Payment shall be determined on a net basis and only the balance shall be due and payable by the Reinsurer or the Company, as the case
may be. In the event that a balance is due and payable by the Company, the Company shall pay such balance to the Reinsurer in cash by wire transfer of immediately available funds. In the event that a balance is due and payable by the
Reinsurer, such amount shall be deducted by the Company from the Funds Withheld Account Balance and any remaining amount due to the Company (after giving effect to any other offsets under this Agreement) shall be paid by the Reinsurer in cash by
wire transfer of immediately available funds. Following such settlement, any remaining amount in the Funds Withheld Account shall be transferred to the Company and the Funds Withheld Account will be reduced to zero. For the avoidance of doubt,
the payment by the Reinsurer to the Company of an amount equal to the Funds Withheld Account Balance calculated in connection with the Terminal Accounting and Settlement Report shall be calculated after giving effect to the adjustments thereto
pursuant to Section 6.2(d) as determined based on the Terminal Accounting and Settlement Report. Any dispute by either Party of the Company Termination Payment or the Reinsurer Termination Payment shall be resolved in accordance with
Section 10.2. 
 ARTICLE X 

RESOLUTION OF CERTAIN DISPUTES 

Section 10.1 Disputes over Actual Initial Coinsurance Premium Calculations and SPA Adjusted Coinsurance Premium. 

(a) Within thirty (30) days following its receipt from the Company of the Initial Coinsurance Premium Reconciliation Statement or the SPA
Coinsurance Premium Reconciliation Statement, as applicable, (such period, a “Review Period”), the Reinsurer shall either (i) notify the Company in writing of its agreement with the calculation of the Actual Initial


  
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Coinsurance Premium or SPA Adjusted Coinsurance Premium, as applicable, set forth therein (“Notice of Agreement”); or (ii) if the Company determines that the Initial Coinsurance
Premium Reconciliation Statement or SPA Coinsurance Premium Reconciliation Statement, as applicable, or the calculations reflected therein either (x) have not been prepared on the basis set forth in Section 2.3 or in Section 5.8 of the
Purchase Agreement or (y) contain or reflect mathematical errors, inform the Company in writing of its objection (the “Reinsurer’s Objection”), which notice shall set forth in reasonable detail a description of the basis of the
Reinsurer’s Objection and the adjustments to such Initial Coinsurance Premium Reconciliation Statement or the SPA Coinsurance Premium Reconciliation Statement, as applicable, or the calculations reflected therein that the Reinsurer requests be
made. The Company, as applicable, shall, following the Effective Date through the date that the Initial Coinsurance Premium Reconciliation Statement or SPA Coinsurance Premium Reconciliation Statement, as applicable, becomes final in accordance
with the last sentence of Section 10.1(c), take all actions necessary or desirable to maintain and preserve all accounting books, records, policies and procedures on which such Initial Coinsurance Premium Reconciliation Statement or SPA
Premium Reconciliation Statement, as applicable, are based or on which the finalized Initial Coinsurance Premium Adjustment or SPA Coinsurance Premium Adjustment, as applicable, are to be based so as not to impede or delay the determination of the
finalized Actual Initial Coinsurance Premium, the finalized SPA Adjusted Coinsurance Premium, the finalized Statutory Book Value of the Initial Reinsurance Assets as of the Effective Date or the preparation of the Reinsurer’s Objection in the
manner and utilizing the methods permitted by this Agreement. Upon receipt by the Company of a Notice of Agreement from the Reinsurer or if no Reinsurer’s Objection is received by the Company prior to the expiration of the Review Period,
the Actual Initial Coinsurance Premium, the SPA Adjusted Coinsurance Premium and the Reinsurer’s calculation of the Initial Coinsurance Premium Adjustment (as set forth in the Initial Coinsurance Premium Reconciliation Statement) and the SPA
Coinsurance Premium Adjustment (as set forth in the SPA Coinsurance Premium Reconciliation Statement) shall be deemed to have been accepted by the Reinsurer and will become final and binding upon the Parties in accordance with the last sentence of
Section 10.1(c). 
 (b) If the Reinsurer timely delivers a Reinsurer’s Objection to the Company, the Company shall have
thirty (30) days from the date of such delivery to review and respond to such Reinsurer’s Objection (the “Consultation Period”). The Parties shall use reasonable, good faith efforts to resolve any disagreements that they
may have with respect to the matters set forth in the Reinsurer’s Objection. If the Parties are unable to resolve all of their disagreements with respect to the matters set forth in the Reinsurer’s Objection within ten (10) Business
Days following the expiration of the Consultation Period, then the Parties shall submit all matters that remain in dispute with respect to the Reinsurer’s Objection (along with a copy of the Initial Coinsurance Premium Reconciliation Statement,
SPA Coinsurance Premium Reconciliation Statement and the Company’s calculation of the amounts set forth therein, marked to indicate those line items that are still in dispute) to an independent internationally recognized accounting firm of
independent certified public accountants with appropriate actuarial expertise mutually agreed by the Parties (the “CPA Firm”), which shall, acting as an expert and not as an arbitrator, make a final determination, on the basis of
the standards set forth in Section 2.3 hereof, and only with respect to any remaining differences submitted to the CPA Firm, in accordance with this Section 10.1(b), of the appropriate amount of each line item in the Initial
Coinsurance Premium Reconciliation Statement, SPA Coinsurance Premium Reconciliation Statement and the Company’s calculation of the amounts set forth therein as to which the Parties disagree (such items that remain in dispute, the
“Unresolved Items”). 

  
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 (c) The Parties shall instruct the CPA Firm to deliver its written determination to the Reinsurer
and the Company no later than fifteen Business Days after the Unresolved Items are referred to the CPA Firm. The CPA Firm’s determination shall include a certification that it reached such determination in accordance with this Section
10.1(c) and shall be conclusive and binding upon the Parties, absent fraud or clear and manifest error. With respect to each Unresolved Item, the CPA Firm’s determination, if not in accordance with the position of either the Company or the
Reinsurer, shall not be more favorable to the Reinsurer than the amounts advocated by the Reinsurer in the Reinsurer’s Objection or more favorable to the Company than the amounts advocated by the Company in the Initial Coinsurance Premium
Reconciliation Statement, the SPA Coinsurance Premium Reconciliation Statement or the Company’s calculations of the amounts set forth therein with respect to such disputed line item and/or calculation. For the avoidance of doubt, (i) the CPA
Firm’s review of the Initial Coinsurance Premium Reconciliation Statement, the SPA Coinsurance Premium Reconciliation Statement and the Company’s calculation of the amounts set forth therein shall be limited to a determination of whether
such documents and calculations were prepared in accordance with Section 2.3, and (ii) the CPA Firm shall not review any line items or make any determination with respect to any matters other than the Unresolved Items that were referred to
the CPA Firm for resolution pursuant to this Section 10.1(c). The determination of the amounts set forth in the Initial Coinsurance Premium Reconciliation Statement or the SPA Coinsurance Premium Reconciliation Statement, as applicable, that
are final and binding on the Parties, as determined either through (1) the Reinsurer’s delivery of a Notice of Agreement pursuant to Section 10.1(a), (2) the Reinsurer’s failure to deliver Reinsurer’s Objection prior to
expiration of the Review Period pursuant to Section 10.1(a), (3) agreement by the Parties during the Consultation Period or (4) the determination of the CPA Firm pursuant to this Section 10.1(c) are referred to herein as the
“finalized Actual Initial Coinsurance Premium,” the “finalized Initial Coinsurance Premium Adjustment,” the “finalized Statutory Book Value of the Initial Reinsurance Assets as of the Effective Date,” the
“finalized SPA Adjusted Coinsurance Premium,” and the “finalized SPA Coinsurance Premium Adjustment,” as the case may be. 

(d) The Parties agree that judgment may be entered upon the CPA Firm’s determination in any court having jurisdiction over the Reinsurer
or the Company or their respective assets, as the case may be. The fees and disbursements of the CPA Firm shall be paid by the Parties in proportion to those matters submitted to the CPA Firm that are resolved against that Party, as such fees and
disbursements are allocated by the CPA Firm in accordance with this Section 10.1 at the time of the CPA Firm’s determination. At any time following delivery of the Initial Coinsurance Premium Reconciliation Statement or the SPA
Coinsurance Premium Reconciliation Statement, as applicable, the Reinsurer shall provide to the Company and its Representatives full access to books and records and other information with respect to the Reinsured Policies and the Net Retained
Liabilities, including work papers of its accountants (subject to execution by the Company and/or its Representatives, as applicable, of a customary hold-harmless agreement in form and substance reasonably acceptable to such accountants), and to any
employees during regular business hours and on reasonable advance notice, to the extent necessary for the Company to prepare the Initial Coinsurance Premium Reconciliation Statement or the SPA Coinsurance Premium Reconciliation Statement or to
prepare materials for 

  
 32 








 
presentation to the CPA Firm. The Parties shall make readily available to the CPA Firm, during regular business hours and on reasonable advance notice, interviews with such employees, and all
relevant information, books and records and any work papers of their respective accountants (in each case, subject to execution by the CPA Firm of a customary hold-harmless agreement in form and substance reasonably acceptable to such accountants)
relating to the Initial Coinsurance Premium Reconciliation Statement, the SPA Coinsurance Premium Reconciliation Statement and any Unresolved Items and all other items reasonably required by the CPA Firm to fulfill its obligations under Section
10.1(c). In acting under this Section 10.2, the CPA Firm will be entitled to the privileges and immunities of an arbitrator. 

(e) For the avoidance of doubt, this Section 10.1 shall not apply to any dispute between the Parties with respect to the interpretation
of any provision, term or condition of this Agreement. 
 Section 10.2 Disputes over Calculations. After the Effective Date, any
dispute between the Parties with respect to the calculation of amounts that are to be calculated or reported pursuant to this Agreement (other than disputes with respect to the Actual Initial Coinsurance Premium and the SPA Adjusted Initial
Coinsurance Premium, which shall be resolved in accordance with Section 10.1 hereof), including disputes with respect to any Net Settlement, calculations relating to DAC tax or the amount of the Reinsurer Termination Payment or the Company
Termination Payment, that cannot be resolved by the Parties within sixty (60) calendar days, shall be referred to an independent accounting firm of national recognized standing (which shall not have any material relationship with the Reinsurer or
the Company) mutually agreed to by the Parties; provided, however, that where the dispute involves an actuarial issue, the dispute shall instead be referred to an independent actuarial firm of national recognized standing (which shall
not have any material relationship with the Reinsurer or the Company) mutually agreed to by the Parties. Within twenty (20) Business Days following the selection of the accounting firm or actuarial firm, as applicable, the Parties shall submit their
positions and supporting documentation to such accounting firm or actuarial firm. Within forty (40) Business Days of such submission, the accounting firm or actuarial firm, as applicable, shall, in light of the evidence provided by both Parties,
determine the calculations in dispute within the range of difference between the Reinsurer’s position thereto and the Company’s position thereto. There shall be no appeal from the decision made by such firm, which shall be final and
binding (absent fraud or clear and manifest error), except that, either Party may petition a court having jurisdiction over the other Party or its assets to reduce the arbitrator’s decision to judgment. The fees charged by the accounting firm
or actuarial firm, as applicable, to resolve the dispute shall be allocated between the Company and the Reinsurer by such firm in accordance with its judgment as to the relative merits of the Parties’ positions in respect of the dispute. For
the avoidance of doubt, this Section 10.2 shall not apply to any dispute between the Parties with respect to the interpretation of any provision, term or condition of this Agreement. 

ARTICLE XI 
 INDEMNIFICATION 

Section 11.1 Indemnification of the Reinsurer by the Company. From and after the Effective Date, the Company shall indemnify, defend
and hold harmless the Reinsurer and its officers, directors and authorized Representatives (the “Reinsurer Indemnified Parties”) from and 

  
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against, and pay and reimburse the Reinsurer Indemnified Parties for, all Losses imposed on, sustained, incurred or suffered by, or asserted against, the Reinsurer Indemnified Parties (a) solely
as a result of actions or omissions of the Company, but only to the extent such actions or omissions of the Company constitute gross negligence or bad faith and were not taken or omitted at the direction of the Reinsurer or consented to by the
Reinsurer or (b) arising out of any breach or nonfulfillment by the Company of, or any failure by the Company to perform, any of the covenants, terms or conditions of or any of its duties or obligations under this Agreement unless such breach,
nonfulfillment or failure arises out of or results from the action or omission of the Reinsurer pursuant to the Administrative Services Agreement; provided, however, that the Company shall have no obligation to indemnify, defend and
hold harmless the Reinsurer Indemnified Parties for any Reinsured Liabilities. 
 Section 11.2 Indemnification of the Company by the
Reinsurer. From and after the Effective Date, the Reinsurer shall indemnify, defend and hold harmless the Company, and its officers, directors and authorized Representatives (the “Company Indemnified Parties”) from and against,
and pay and reimburse the Company Indemnified Parties for, all Losses imposed on, sustained or incurred or suffered by, or asserted against, the Company Indemnified Parties to the extent such Losses (a) constitute Reinsured Liabilities, (b) arise
out of any breach or nonfulfillment by the Reinsurer of, or any failure by the Reinsurer to perform, any of the covenants, terms or conditions of or any of its duties or obligations under this Agreement unless such breach, nonfulfillment or failure
arises out of or results from the action or omission of the Company or its Affiliates pursuant to the Transition Services Agreement, (c) arise out of written instructions of the Reinsurer given pursuant to Section 3.2 hereof, or (d) arise out
of the Company following a written recommendation of the Reinsurer given in accordance with Section 2.7(b). 
 ARTICLE XII 

CONFIDENTIALITY 
 Section 12.1
Confidentiality. Except as provided in the Other Transaction Agreements, each of the Reinsurer and the Company agrees to hold any Confidential Information with respect to the other Party in strictest confidence and to take all reasonable
steps to ensure that such Confidential Information is not disclosed in any form by any means by it or by its Affiliates, employees, advisors, agents or administrators (collectively, “Representatives”) to third parties of any kind or
used by it or its Representatives for any purpose other than the performance of its obligations under this Agreement; provided that the foregoing obligation shall not prohibit disclosure of any such information (a) if required by Applicable
Law or stock exchange rules, or if required or requested by any Governmental Entity (provided in the case of this clause (a) that the disclosing party shall allow (to the extent permitted by Applicable Law and reasonably practicable) the other Party
a reasonable opportunity to comment on such disclosure in advance of such disclosure); (b) to the disclosing Party’s Representatives, auditors or ratings agencies, provided, that such Representatives, auditors or ratings agencies are
made aware of the provisions of this Article XII; (c) to the extent that the information has been made public by or on behalf of, or with the prior consent of, the non-disclosing Party; (d) if required in connection with any report required
to be filed or submitted with any Governmental Entity; (e) to a retrocessionaire of the Reinsurer; (f) to the extent reasonably necessary in connection with any dispute with respect to this Agreement; and (g) as necessary for the Reinsurer to
perform its 

  
 34 








 
obligations as Administrator under the Administrative Services Agreement. The Reinsurer agrees to hold medical, financial and other personal information about proposed, current, and former
policyowners, insureds, applicants and beneficiaries of Policies in confidence to the extent required to be held in confidence under Applicable Law and the Reinsurer’s privacy policy or policies and shall establish and maintain safeguards
against the unauthorized access, destruction, loss or alteration of such information which are no less rigorous than those maintained by Reinsurer for its own information of a similar nature. Notwithstanding anything to the contrary, for
purposes of this Section 12.1, the Reinsurer, in its capacity as Administrator on behalf of the Company, shall not be considered an advisor, agent or administrator of the Company. 

ARTICLE XIII 
 REPRESENTATIONS AND
WARRANTIES 
 Section 13.1 Representations and Warranties of Reinsurer. The Reinsurer hereby represents and warrants to the
Company as of the Effective Time: 
 (a) Organization, Standing and Authority. The Reinsurer is a corporation duly organized and
validly existing under the laws of the State of Massachusetts and has all requisite power and authority to own, lease and operate its assets, properties and business and to carry on the operations of its business as they are now being conducted,
except where the failure to have such authority would not, individually or in the aggregate, reasonably be expected to have a material adverse effect. The Reinsurer is duly qualified to do business as a foreign corporation and is in good
standing in each jurisdiction where such qualification is necessary, except for those jurisdictions where the failure to be so qualified would not, individually or in the aggregate, reasonably be expected to have a material adverse effect on the
Reinsurer’s ability to perform its obligations under this Agreement. 
 (b) Authorization. The Reinsurer has all requisite
corporate power and authority to execute, deliver and perform its obligations under this Agreement. This Agreement has been duly executed and delivered by the Reinsurer, and, subject to the due execution and delivery by the Company, this
Agreement is valid and the binding obligation of the Reinsurer, enforceable against the Reinsurer in accordance with its terms, subject to (i) bankruptcy, insolvency, reorganization, fraudulent transfer, moratorium and other similar laws now or
hereafter in effect relating to or affecting the rights of creditors of insurance companies or creditor’s rights generally and (ii) general principles of equity (regardless of whether considered in a proceeding at law or in equity). 

(c) Actions and Proceedings. There are no outstanding orders, decrees or judgments by or with any Governmental Entity applicable
to the Reinsurer or its properties or assets that, individually or in the aggregate, have a material adverse effect on the Reinsurer’s ability to perform its obligations under this Agreement. There are no actions, suits, arbitrations or
legal, administrative or other proceedings pending or, to the knowledge of the Reinsurer, threatened against, at law or in equity, or before or by any Governmental Entity or before any arbitrator of any kind which would, individually or in the
aggregate, reasonably be expected to have a material adverse effect on the Reinsurer’s ability to perform its obligations under this Agreement. 

  
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 (d) No Conflict or Violation. The execution, delivery and performance by the
Reinsurer of this Agreement and the consummation of the transactions contemplated hereby in accordance with the terms and conditions hereof will not: (i) violate any provision of the charter, bylaws or other organizational document of the
Reinsurer, (ii) violate, conflict with or result in the breach of any of the terms of, result in any modification of the effect of, otherwise give any other contracting party the right to terminate or constitute (or with notice or lapse of time or
both, constitute) a default under, any contract to which the Reinsurer is a party or by or to which its properties may be bound or subject, (iii) violate any order, judgment, injunction, award or decree of any arbitrator or Governmental Entity, or
any agreement with, or condition imposed by, any arbitrator or Governmental Entity, binding upon, the Reinsurer, (iv) violate any Applicable Law or (v) result in a breach or violation of any of the terms or conditions of, constitute a default under,
or otherwise cause an impairment of, any license or authorization related to the Reinsurer’s business or necessary to enable the Reinsurer to perform its obligations under this Agreement, except for any such violations, conflicts or breaches
which would not individually or in the aggregate reasonably be expected to have a material adverse effect on the Reinsurer’s ability to perform its obligations under this Agreement. 

(e) Brokers and Financial Advisers. No broker, finder or financial adviser has acted directly or indirectly as such for, or is
entitled to any compensation from, the Reinsurer in connection with this Agreement or the transactions contemplated hereby. 
 Section 13.2
Representations and Warranties of the Company. The Company hereby represents and warrants to the Reinsurer as of the Effective Time: 

(a) Organization, Standing and Authority. The Company is a corporation duly organized and validly existing under the laws of the
State of New York and has all requisite power and authority to own, lease and operate its assets, properties and business and to carry on the operations of its business as they are now being conducted, except where the failure to have such authority
would not, individually or in the aggregate, reasonably be expected to have a material adverse effect. The Company is duly qualified to do business as a foreign corporation and is in good standing in each jurisdiction where such qualification
is necessary, except for those jurisdictions where the failure to be so qualified would not, individually or in the aggregate, reasonably be expected to have a material adverse effect on the Company’s ability to perform its obligations under
this Agreement. 
 (b) Authorization. The Company has all requisite corporate power and authority to execute, deliver and
perform its obligations under this Agreement. This Agreement has been duly executed and delivered by the Company, and, subject to the due execution and delivery by the Reinsurer, this Agreement is valid and the binding obligation of the
Company, enforceable against the Company in accordance with its terms, subject to (i) bankruptcy, insolvency, reorganization, fraudulent transfer, moratorium and other similar laws now or hereafter in effect relating to or affecting the rights of
creditors of insurance companies or creditor’s rights generally and (ii) general principles of equity (regardless of whether considered in a proceeding at law or in equity). 

(c) Actions and Proceedings. There are no outstanding orders, decrees or judgments by or with any Governmental Entity applicable
to the Company or its properties or 

  
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assets that, individually or in the aggregate, have a material adverse effect on the Company’s ability to perform its obligations under this Agreement. There are no actions, suits,
arbitrations or legal, administrative or other proceedings pending or, to the knowledge of the Company, threatened against, at law or in equity, or before or by any Governmental Entity or before any arbitrator of any kind which would, individually
or in the aggregate, reasonably be expected to have a material adverse effect on the Company’s ability to perform its obligations under this Agreement. 

(d) No Conflict or Violation. The execution, delivery and performance by the Company of this Agreement and the consummation of the
transactions contemplated hereby in accordance with the terms and conditions hereof will not: (i) violate any provision of the charter, bylaws or other organizational document of the Company, (ii) violate, conflict with or result in the breach
of any of the terms of, result in any modification of the effect of, otherwise give any other contracting party the right to terminate or constitute (or with notice or lapse of time or both, constitute) a default under, any contract to which the
Company is a party or by or to which its properties may be bound or subject, (iii) violate any order, judgment, injunction, award or decree of any arbitrator or Governmental Entity, or any agreement with, or condition imposed by, any arbitrator or
Governmental Entity, binding upon, the Company, (iv) violate any Applicable Law or (v) result in a breach or violation of any of the terms or conditions of, constitute a default under, or otherwise cause an impairment of, any license or
authorization related to the Company’s business or necessary to enable the Company to perform its obligations under this Agreement, except for any such violations, conflicts or breaches which would not individually or in the aggregate
reasonably be expected to have a material adverse effect on the Company’s ability to perform its obligations under this Agreement. 

(e) Brokers and Financial Advisers. No broker, finder or financial adviser has acted directly or indirectly as such for, or is
entitled to any compensation from, the Company in connection with this Agreement or the transactions contemplated hereby. 
 ARTICLE XIV 

GENERAL PROVISIONS 
 Section 14.1
Errors and Omissions. If any delay, omission, error or failure to pay amounts due or to perform any other act required by this Agreement is caused by mistake, misunderstanding or oversight, the Parties will equitably adjust the situation
to what it would have been had the mistake, misunderstanding or oversight not occurred, and the reinsurance provided hereunder will not be invalidated. Should it not be possible to adjust the situation, it will be resolved in accordance with
dispute resolution procedures mutually selected by the Parties. 
 Section 14.2 Offset and Recoupment. The Company or the
Reinsurer may offset or recoup any undisputed balance or amount due from one Party to the other Party under this Agreement; provided, that in the event of the insolvency of the Company, offsets shall only be allowed in accordance with New
York Insurance Law Section 7427. The right of setoff shall not be affected or diminished because of the insolvency of either Party. 

  
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 Section 14.3 Expenses. Except as otherwise provided in this Agreement each Party
shall bear its own costs and expenses incurred in connection with the transactions contemplated by this Agreement. All transfer, sales, use, value added, excise, stock transfer, documentary, stamp, recording, registration and any similar taxes
that become payable as a result of the allocation of the Initial Reinsurance Assets to the Funds Withheld Account (including any real property transfer tax and any similar tax) shall be borne fifty percent (50%) by the Company and fifty percent
(50%) by the Reinsurer. 
 Section 14.4 Parties to this Agreement. This is an agreement for indemnity reinsurance solely between
the Company and the Reinsurer. The performance of the obligations of each Party under this Agreement shall be rendered solely to the other Party. The acceptance of risks under this Agreement shall create no right or legal relationship
between the Reinsurer and the insured, owner or beneficiary of any insurance policy or other contract of the Company. 
 Section 14.5
Authority. Neither the Company nor the Reinsurer shall have any power or authority to act for or on behalf of the other except as expressly granted herein or in the Administrative Services Agreement or Transition Services Agreement, and
no other or greater power or authority shall be implied by the grant or denial of power or authority specifically mentioned herein. No employee or agent of either Party shall be considered an employee or agent of the other. 

Section 14.6 No Assignment. This Agreement may not be assigned by either of the Parties hereto without the prior written approval
of the other Party. Notwithstanding the foregoing, the Reinsurer shall not be prohibited from further transfer of risks accepted hereunder on a retrocession or other basis without the prior approval of the Company; provided that any
transfer shall not relieve the Reinsurer of its obligations under this Agreement. 
 Section 14.7 Notices. Any notice, approval,
request, consent, instruction, or other document to be given hereunder by any Party hereto to the other Party hereto will be delivered by personal delivery, overnight express or facsimile (followed by telephone confirmation with the intended
recipient), as follows: 
 If to the Company, to: 

Aviva Life and Annuity Company of New York 

7700 Mills Civic Parkway 
 West
Des Moines, Iowa 50266 
 Telephone: (515) 342-4588 

Facsimile: (877) 522-2003 

Attention: Richard C. Cohan 

Email: rich.cohan@avivausa.com 

with a copy (which shall not constitute notice) to: 

Aviva Life and Annuity Company 

c/o Athene Asset Management LLC 

841 Apollo Street, Suite 150 

  
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 El Segundo, California 90245 

Telephone: (310) 698-4481 
 Fax:
(310) 698-4492 
 Attention: Chief Executive Officer and Legal Department 

Email: jbelardi@athene.com; legal@athene.com 

and 
 Sidley Austin LLP 

1 South Dearborn 
 Chicago,
Illinois 60603 
 Telephone:       (312) 853-7061 

Facsimile:        (312) 853-7036 

Attn:    Perry J. Shwachman, Esq. 

and 
 Sidley Austin LLP 

787 Seventh Avenue
 New York, New
York 10019 
 Telephone:       (212) 839-5835 

Facsimile:        (212) 839-5599

Attn:    Jonathan J. Kelly, Esq. 

If to the Reinsurer, to: 
 First
Allmerica Financial Life Insurance Company 
 c/o Commonwealth Annuity and Life Insurance Company 

132 Turnpike Road Suite 210 

Southborough, Massachusetts 01772 

Telephone:       (508) 460-2408 

Facsimile:        (212) 493-9888 

Attn:    Scott Silverman, Esq.

with a copy (which shall not constitute notice) to: 

Debevoise & Plimpton LLP 

919 Third Avenue 
 New York, New
York 10022 
 Telephone:      (212) 909 6647 

Facsimile:       (212) 909 6836 

Attn:    John M. Vasily, Esq. 

            Thomas M. Kelly, Esq. 

or at such other address for a Party as will be specified by like notice. Each notice or other communication required or permitted under this Agreement
that is addressed as provided in this Section 14.7 will be deemed given upon delivery. 

  
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 Section 14.8 Severability. If any provision of this Agreement is held to be illegal,
invalid, or unenforceable under any present or future law, and if the rights or obligations of the Company or the Reinsurer under this Agreement will not be materially and adversely affected thereby, (a) such provision will be fully severable, (b)
this Agreement will be construed and enforced as if such illegal, invalid, or unenforceable provision had never comprised a part hereof, (c) the remaining provisions of this Agreement will remain in full force and effect and will not be affected by
the illegal, invalid or unenforceable provision or by its severance from this Agreement, and (d) in lieu of such illegal, invalid or unenforceable provision, there will be added automatically as a part of this Agreement a legal, valid and
enforceable provision as similar in terms to such illegal, invalid or unenforceable provision as may be possible. 
 Section 14.9
Announcements. Except as required by Applicable Law or in connection with public disclosure to investors or analysts, the content and timing of public announcements by either Party concerning the transactions contemplated by this
Agreement must be approved in advance by both Parties, but such approval shall not be unreasonably withheld, conditioned or delayed. 

Section 14.10 Schedules, Annexes and Exhibits. All Schedules, Annexes and Exhibits to this Agreement are attached hereto and are
incorporated herein by reference. The provisions of this Agreement (without reference to any attached Schedules, Annexes and Exhibits) shall be deemed to control in the event of any inconsistency or conflict between the provisions of this
Agreement (without reference to any attached Schedules, Annexes and Exhibits) and the Schedules, Annexes and Exhibits attached hereto. 

Section 14.11 Entire Agreement. This Agreement (including all Exhibits, Annexes and Schedules hereto), and the Other Transaction
Agreements constitute the entire agreement, and supersede all prior agreements, understandings, representations and warranties, both written and oral, between the Parties with respect to the subject matter of this Agreement and such other
agreements. Except as set forth in Sections 11.1 and 11.2 with respect to the Reinsurer Indemnified Parties and the Company Indemnified Parties, this Agreement is not intended to and shall not confer upon any Person other than the
Parties hereto and their respective heirs, executors, administrators, successors, legal representatives and permitted assigns any rights or remedies. 

Section 14.12 Binding Effect. This Agreement is binding upon, and will inure to the benefit of, the Parties and their respective
permitted assignees and successors (including any liquidator, rehabilitator, receiver or conservator of a Party). 
 Section 14.13 Waiver
and Amendment. This Agreement may be modified or amended only by a writing duly executed by the Company and the Reinsurer. Any term or condition of this Agreement may be waived at any time by the Party that is entitled to the benefit
thereof. A waiver must be in writing and must be executed by such Party. A waiver on any occasion shall not be deemed to be a waiver of the same or any term or condition on a future occasion. 

Section 14.14 Headings. The headings in this Agreement are for reference purposes only and shall not affect the interpretation of
this Agreement. 

  
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 Section 14.15 Counterparts. This Agreement may be executed simultaneously in any
number of counterparts, each of which will be deemed an original, but all of which will constitute one and the same instrument. 
 Section
14.16 No Prejudice. The Parties agree that this Agreement has been jointly negotiated and drafted by the Parties hereto and that the terms hereof shall not be construed in favor of or against any Party on account of its participation in
such negotiations and drafting. 
 Section 14.17 Governing Law; Jurisdiction; Enforcement. 

(a) This Agreement shall be governed by, and construed in accordance with, the laws of the State of New York without giving effect to the
principles of conflicts of law rules thereof. 
 (b) Subject to Section 10.1 and Section 10.2, each party hereby irrevocably
and unconditionally submits to the exclusive jurisdiction of the United States District Court for the Southern District of New York and of any New York state court sitting in New York County, for purposes of all legal proceedings arising out of or
relating to this Agreement, or the transactions contemplated by this Agreement, or for recognition and enforcement of any judgment in respect thereof. In any such action, suit or other proceeding, each party hereby irrevocably waives, to the
fullest extent permitted by Applicable Law, any objection that it may now or hereafter have to the laying of the venue of any such proceedings brought in such court and any claim that any such proceeding brought in such a court has been brought in
an inconvenient forum. Each party also agrees that any final and unappealable judgment against a party in connection with any action, suit or other proceeding shall be conclusive and binding on such party and that such award or judgment may be
enforced in any court of competent jurisdiction, either within or outside of the United States. A certified or exemplified copy of such award or judgment shall be conclusive evidence of the fact and amount of such award or judgment. Each
party agrees that any process or other paper to be served in connection with any action or proceeding under this Agreement shall, if delivered, sent or mailed in accordance with Section 14.7, constitute good, proper and sufficient service
thereof. 
 (c) EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION, ACTION, PROCEEDING, OR COUNTERCLAIM (WHETHER BASED IN
CONTRACT, TORT OR OTHERWISE) DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT CONTEMPLATED HEREBY. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (A) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED,
EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (B) EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C) EACH PARTY MAKES THIS WAIVER VOLUNTARILY
AND (D) EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 14.17. 

  
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 Section 14.18 Further Assurances. Each Party shall take, or cause to be taken, any
and all reasonable actions, including the execution, acknowledgment, filing and delivery of any and all documents and instruments that the other Party may reasonably request in order to effect the intent and purpose of this Agreement and the
transactions contemplated hereby. 
 [Remainder of page intentionally left blank] 

  
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 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their
respective duly authorized officers, effective as of the date first written above. 
  

			
	AVIVA LIFE AND ANNUITY COMPANY OF NEW YORK
		
	By:	 	




		 	  

	Name:	 	W. JEFFREY HENG
	 Title:
	 	SVP


 Signature Page to Non-Financed Funds Withheld Agreement 







 
			
	FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY
		
	By:	 	




		 	  

	Name:	 	Nicholas H. von Moltke
	Title:	 	President and Chief Executive Officer


 Signature Page to Non-Financed Funds Withheld Agreement 







 Schedule 1.1(i) 

Assumed Reinsurance Agreements 

None. 







 Schedule 1.1(ii) 

Other Reinsurance 
  

	1.	Automatic/Facultative YRT Reinsurance Agreement, by and between ALACNY and RGA, dated as of August 18, 2008. 

  

	2.	Automatic Yearly Renewable Term Reinsurance Agreement, by and between ALACNY and Canada Life, dated as of August 18, 2008. 

  

	3.	Automatic Yearly Renewable Term Reinsurance Agreement, by and between ALACNY and General Re, dated as of April 1, 2009. 

  

	4.	Automatic Yearly Renewable Term Reinsurance Agreement, by and between ALACNY and Hannover, dated as of August 16, 2010. 

  

	5.	Automatic/Facultative YRT Reinsurance Agreement, by and between ALACNY and RGA, dated as of November 8, 2008. 

  

	6.	Automatic Yearly Renewable Term Reinsurance Agreement, by and between ALACNY and Canada Life, dated as of November 8, 2008. 

  

	7.	Automatic Yearly Renewable Term Reinsurance Agreement, by and between ALACNY and Canada Life, dated August 18, 2008. 

  

	8.	Automatic YRT Reinsurance Agreement, by and between ALACNY and Scor, dated as of August 16, 2010. 

  

	9.	Automatic Self Administered YRT Reinsurance Agreement, by and between ALACNY and Swiss Re, dated as of January 25, 2010. 

  

	10.	Auto Self Administered YRT Reinsurance Agreement, by and between ALACNY and Swiss Re, dated as of August 16, 2010. 








 Section 2.11 

Existing Interest Maintenance Reserve (Non-Financed NLG) 

The Parties will work together to develop the IMR amortization schedule based upon the actual disposal information, producing an amortization schedule to be
added to this agreement. At the time of this agreement’s execution, the best estimates of IMR are 
 IMR (based on 8/31 experience): $1,480,203








 Annex A 

List of Initial Reinsurance Assets1 

[See attached.] 
  

	1 	This Annex was prepared in accordance with the “GA_Master Report_Finalv3.xlsx” sent by Gina Cunningham on Wednesday October 2, 2013 at 9:58 a.m. EST. If there are any typographical or manifest errors, parties
will work together to correct the Annex after the Effective Time. 









			
	Annex A (List of Initial Reinsurance Assets)	  	ALACNY - FAFLIC Non-Financed AXXX/XXX

  

																			
	 Available?
	 	 Unique ID
	 	 Maturity Date
	 	 Sec ID
	 	 Description
	 	 Original Face
	 	 9/26/13 Par
Value
	 	 9/26/13 Stat. Book
Value
	 	 9/26/13 Market
Value
	 	 Accrued
Interest

	 Available
	 	055451AH1-1-526	 	01-Apr-19	 	055451AH1	 	BHP BILLITON FINANCE (USA) LTD	 	3,000,000.00	 	3,000,000.00	 	2,993,946.54	 	3,595,821.00	 	95,333.33
	 Available
	 	05950WAF5-1-526	 	10-Jul-46	 	05950WAF5	 	BANC OF AMERICA COMMERCIAL MOR	 	6,000,000.00	 	6,000,000.00	 	5,992,346.11	 	6,582,402.00	 	24,414.00
	 Available
	 	07387MAE9-1-526	 	11-Mar-39	 	07387MAE9	 	BEAR STEARNS COMMERCIAL MORTGA	 	6,000,000.00	 	6,000,000.00	 	5,986,530.12	 	6,506,490.00	 	24,310.00
	 Available
	 	14170TAB7-1-513	 	01-Aug-19	 	14170TAB7	 	CAREFUSION CORP	 	1,000,000.00	 	1,000,000.00	 	989,072.92	 	1,144,714.00	 	9,916.67
	 Available
	 	14912L4D0-4-513	 	01-Oct-18	 	14912L4D0	 	CATERPILLAR FINANCIAL SERVICES	 	2,000,000.00	 	2,000,000.00	 	2,003,899.37	 	2,457,850.00	 	69,325.00
	 Available
	 	14912L4D0-1-525	 	01-Oct-18	 	14912L4D0	 	CATERPILLAR FINANCIAL SERVICES	 	2,000,000.00	 	2,000,000.00	 	2,003,899.37	 	2,457,850.00	 	69,325.00
	 Available
	 	14912L4D0-1-526	 	01-Oct-18	 	14912L4D0	 	CATERPILLAR FINANCIAL SERVICES	 	2,000,000.00	 	2,000,000.00	 	2,003,899.37	 	2,457,850.00	 	69,325.00
	 Available
	 	14912L4D0-1-527	 	01-Oct-18	 	14912L4D0	 	CATERPILLAR FINANCIAL SERVICES	 	2,000,000.00	 	2,000,000.00	 	2,003,899.37	 	2,457,850.00	 	69,325.00
	 Available
	 	205887AX0-1-529	 	15-Sep-30	 	205887AX0	 	CONAGRA FOODS INC	 	1,000,000.00	 	1,000,000.00	 	1,294,798.85	 	1,272,049.00	 	2,750.00
	 Available
	 	24422EQF9-1-527	 	13-Apr-17	 	24422EQF9	 	JOHN DEERE CAPITAL CORP	 	3,000,000.00	 	3,000,000.00	 	2,992,862.02	 	3,383,691.00	 	75,166.67
	 Available
	 	251799AA0-4-513	 	15-Apr-32	 	251799AA0	 	DEVON ENERGY CORPORATION	 	2,300,000.00	 	2,300,000.00	 	2,668,908.61	 	3,000,333.90	 	82,282.50
	 Available
	 	25468PCR5-1-529	 	01-Dec-41	 	25468PCR5	 	WALT DISNEY COMPANY (THE)	 	3,000,000.00	 	3,000,000.00	 	2,965,833.60	 	2,788,764.00	 	39,875.00
	 Available
	 	26441YAT4-1-526	 	15-Aug-19	 	26441YAT4	 	DUKE REALTY LP	 	1,000,000.00	 	1,000,000.00	 	999,717.05	 	1,244,023.00	 	9,625.00
	 Available
	 	26884AAY9-1-527	 	15-Jul-20	 	26884AAY9	 	ERP OPERATING LIMITED PARTNERS	 	3,000,000.00	 	3,000,000.00	 	2,983,018.01	 	3,239,349.00	 	40,375.00
	 Available
	 	278865AM2-1-526	 	08-Dec-41	 	278865AM2	 	ECOLAB INC	 	5,000,000.00	 	5,000,000.00	 	4,949,374.36	 	5,405,770.00	 	83,263.89
	 Available
	 	316773CH1-1-526	 	01-Mar-38	 	316773CH1	 	FIFTH THIRD BANCORP	 	2,000,000.00	 	2,000,000.00	 	1,592,563.43	 	2,575,302.00	 	11,916.67
	 Available
	 	36962G3P7-1-526	 	14-Jan-38	 	36962G3P7	 	GENERAL ELECTRIC CAPITAL CORP	 	3,000,000.00	 	3,000,000.00	 	2,993,153.84	 	3,311,754.00	 	35,739.58
	 Available
	 	36962G4B7-1-526	 	10-Jan-39	 	36962G4B7	 	GENERAL ELECTRIC CAPITAL CORP	 	2,000,000.00	 	2,000,000.00	 	1,970,974.10	 	2,473,974.00	 	29,409.72
	 Available
	 	37247DAL0-1-526	 	15-Dec-16	 	37247DAL0	 	GENWORTH FINANCIAL INC	 	2,000,000.00	 	2,000,000.00	 	1,997,512.93	 	2,371,132.00	 	48,875.00
	 Available
	 	38141GFD1-2-513	 	01-Oct-37	 	38141GFD1	 	GOLDMAN SACHS GROUP INC/THE	 	2,675,000.00	 	2,675,000.00	 	2,779,975.99	 	2,825,787.08	 	88,275.00
	 Available
	 	413875AN5-1-513	 	15-Dec-40	 	413875AN5	 	HARRIS CORPORATION	 	5,000,000.00	 	5,000,000.00	 	5,191,349.26	 	5,402,070.00	 	87,125.00
	 Available
	 	427866AE8-1-526	 	15-Feb-21	 	427866AE8	 	HERSHEY COMPANY THE	 	1,000,000.00	 	1,000,000.00	 	1,038,175.60	 	1,304,331.00	 	10,266.67
	 Available
	 	456866AG7-1-526	 	15-Aug-21	 	456866AG7	 	INGERSOLL-RAND CO.	 	1,000,000.00	 	1,000,000.00	 	1,028,137.83	 	1,273,876.00	 	10,500.00
	 Available
	 	459056JS7-1-525	 	01-Sep-16	 	459056JS7	 	INTERNATIONAL BANK FOR RECONST	 	1,000,000.00	 	1,000,000.00	 	974,589.92	 	1,208,435.00	 	5,958.33
	 Available
	 	459200AP6-2-528	 	01-Dec-96	 	459200AP6	 	INTERNATIONAL BUSINESS MACHINE	 	2,000,000.00	 	2,000,000.00	 	2,285,321.39	 	2,713,696.00	 	45,916.67
	 Available
	 	459200AP6-1-529	 	01-Dec-96	 	459200AP6	 	INTERNATIONAL BUSINESS MACHINE	 	2,000,000.00	 	2,000,000.00	 	2,284,225.01	 	2,713,696.00	 	45,916.67
	 Available
	 	46625YQR7-1-526	 	12-Sep-37	 	46625YQR7	 	JP MORGAN CHASE COMMERCIAL MOR	 	9,500,000.00	 	9,500,000.00	 	9,405,278.91	 	10,009,798.50	 	33,585.14
	 Available
	 	46629GAE8-1-513	 	12-May-45	 	46629GAE8	 	JP MORGAN CHASE COMMERCIAL MOR	 	4,000,000.00	 	3,937,184.57	 	3,721,958.04	 	4,319,182.03	 	15,787.24
	 Available
	 	50179MAE1-1-526	 	15-Sep-39	 	50179MAE1	 	LB-UBS COMMERCIAL MORTGAGE TRU	 	5,000,000.00	 	5,000,000.00	 	4,695,147.74	 	5,501,105.00	 	11,937.78
	 Available
	 	546268AG8-1-513	 	01-Dec-23	 	546268AG8	 	LOUISIANA LAND AND EXPLORATION	 	2,000,000.00	 	2,000,000.00	 	1,939,672.87	 	2,582,862.00	 	49,300.00
	 Available
	 	565849AB2-1-526	 	15-Mar-32	 	565849AB2	 	MARATHON OIL CORP	 	2,900,000.00	 	2,900,000.00	 	2,956,608.39	 	3,437,892.00	 	6,573.33
	 Available
	 	58013MEF7-2-513	 	01-Mar-38	 	58013MEF7	 	MCDONALDS CORPORATION	 	2,235,000.00	 	2,235,000.00	 	2,646,321.86	 	2,780,514.33	 	10,169.25
	 Available
	 	61754JAF5-1-526	 	11-Jun-42	 	61754JAF5	 	MORGAN STANLEY CAPITAL I MSC_0	 	4,000,000.00	 	4,000,000.00	 	4,059,247.88	 	4,522,364.00	 	16,800.25
	 Available
	 	61757LAE0-2-526	 	11-Jan-43	 	61757LAE0	 	MORGAN STANLEY CAPITAL I MSC_0	 	11,496,000.00	 	11,496,000.00	 	11,557,432.99	 	13,376,860.56	 	53,629.83
	 Available
	 	655664AH3-1-526	 	15-Mar-28	 	655664AH3	 	NORDSTROM INC	 	2,000,000.00	 	2,000,000.00	 	2,018,110.88	 	2,465,212.00	 	4,633.33
	 Available
	 	694308GE1-1-513	 	01-Mar-34	 	694308GE1	 	PACIFIC GAS & ELECTRIC CO	 	2,500,000.00	 	2,500,000.00	 	2,403,628.67	 	2,784,850.00	 	10,923.61
	 Available
	 	70213BAA9-1-524	 	01-Jun-20	 	70213BAA9	 	PARTNERRE FINANCE B LLC	 	1,000,000.00	 	1,000,000.00	 	999,027.84	 	1,093,406.00	 	17,722.22
	 Available
	 	718507BH8-1-527	 	15-Jul-18	 	718507BH8	 	CONOCOPHILLIPS	 	3,000,000.00	 	3,000,000.00	 	3,001,306.71	 	3,618,510.00	 	39,900.00
	 Available
	 	74340XAN1-6-526	 	30-Oct-19	 	74340XAN1	 	PROLOGIS LP	 	2,000,000.00	 	2,000,000.00	 	1,996,030.17	 	2,450,422.00	 	60,229.17
	 Available
	 	74432QBG9-1-526	 	15-Jun-19	 	74432QBG9	 	PRUDENTIAL FINANCIAL INC	 	2,000,000.00	 	2,000,000.00	 	2,029,931.20	 	2,472,012.00	 	41,791.67
	 Available
	 	760759AN0-1-513	 	15-May-41	 	760759AN0	 	REPUBLIC SERVICES INC	 	3,000,000.00	 	3,000,000.00	 	2,983,226.03	 	3,217,602.00	 	62,700.00
	 Available
	 	760759AN0-1-526	 	15-May-41	 	760759AN0	 	REPUBLIC SERVICES INC	 	3,000,000.00	 	3,000,000.00	 	2,983,226.03	 	3,217,602.00	 	62,700.00
	 Available
	 	780641AH9-1-513	 	01-Oct-30	 	780641AH9	 	KONINKLIJKE KPN NV	 	1,000,000.00	 	1,000,000.00	 	1,257,101.13	 	1,279,597.00	 	40,944.44
	 Available
	 	806605AG6-1-526	 	01-Dec-33	 	806605AG6	 	MERCK & CO INC	 	3,000,000.00	 	3,000,000.00	 	3,352,476.98	 	3,816,744.00	 	62,833.33
	 Available
	 	822582AD4-1-513	 	15-Dec-38	 	822582AD4	 	SHELL INTERNATIONAL FINANCE BV	 	2,000,000.00	 	2,000,000.00	 	2,258,608.08	 	2,497,876.00	 	36,125.00
	 Available
	 	842400FF5-1-526	 	15-Jan-37	 	842400FF5	 	SOUTHERN CALIFORNIA EDISON COM	 	3,800,000.00	 	3,800,000.00	 	3,781,472.05	 	4,253,005.60	 	42,180.00
	 Available
	 	867914AH6-1-513	 	15-Feb-26	 	867914AH6	 	SUNTRUST BANKS INC	 	3,000,000.00	 	3,000,000.00	 	2,882,040.01	 	3,190,659.00	 	21,000.00
	 Available
	 	87236YAA6-1-524	 	01-Dec-19	 	87236YAA6	 	TD AMERITRADE HOLDING CORPORAT	 	1,000,000.00	 	1,000,000.00	 	1,009,363.19	 	1,163,615.00	 	18,044.44
	 Available
	 	88163VAD1-1-526	 	01-Feb-36	 	88163VAD1	 	TEVA PHARMACEUTICAL FINANCE LL	 	2,850,000.00	 	2,850,000.00	 	2,871,483.21	 	3,291,191.40	 	27,265.00
	 Available
	 	8935268Z9-1-526	 	15-Jan-39	 	8935268Z9	 	TRANSCANADA PIPELINES LIMITED	 	3,957,000.00	 	3,957,000.00	 	4,560,512.96	 	5,290,006.46	 	60,344.25
	 Available
	 	911308AA2-1-513	 	01-Apr-20	 	911308AA2	 	UNITED PARCEL SERVICE OF AMERI	 	2,000,000.00	 	2,000,000.00	 	2,026,373.60	 	2,604,080.00	 	81,888.89


  
 Page 1 of 2 










			
	Annex A (List of Initial Reinsurance Assets)	  	ALACNY - FAFLIC Non-Financed AXXX/XXX

  

  

																			
	 Available?
	 	 Unique ID
	 	 Maturity Date
	 	 Sec ID
	 	 Description
	 	 Original Face
	 	 9/26/13 Par
Value
	 	 9/26/13 Stat. Book
Value
	 	 9/26/13 Market
Value
	 	 Accrued
Interest

	 Available
	 	91159HHB9-1-525	 	15-Nov-16	 	91159HHB9	 	US BANCORP	 	17,000,000.00	 	17,000,000.00	 	16,972,175.82	 	17,501,942.00	 	137,133.33
	 Available
	 	91913YAE0-1-513	 	15-Apr-32	 	91913YAE0	 	VALERO ENERGY CORPORATION	 	2,500,000.00	 	2,500,000.00	 	2,715,756.15	 	2,924,780.00	 	84,375.00
	 Available
	 	92857TAH0-1-526	 	15-Feb-30	 	92857TAH0	 	VODAFONE GROUP PLC	 	3,000,000.00	 	3,000,000.00	 	2,965,941.49	 	3,791,769.00	 	27,562.50
	 Available
	 	931142BF9-1-513	 	15-Feb-30	 	931142BF9	 	WAL-MART STORES INC	 	2,000,000.00	 	2,000,000.00	 	2,427,088.77	 	2,686,728.00	 	17,616.67
	 Available
	 	93976AAH5-1-513	 	01-Jul-40	 	93976AAH5	 	WASHINGTON ST CONV CENTER PUBL	 	4,250,000.00	 	4,250,000.00	 	4,250,000.00	 	4,714,440.00	 	68,937.36
	 Available
	 	94973VBB2-1-513	 	15-Jan-43	 	94973VBB2	 	WELLPOINT INC	 	3,424,000.00	 	3,424,000.00	 	3,262,721.65	 	3,155,760.42	 	31,843.20
	 Available
	 	962166AS3-1-526	 	15-Jul-23	 	962166AS3	 	WEYERHAEUSER COMPANY	 	1,700,000.00	 	1,700,000.00	 	1,749,708.90	 	1,985,023.70	 	24,225.00
	 Available
	 	98389BAH3-1-513	 	01-Jul-36	 	98389BAH3	 	XCEL ENERGY INC	 	2,500,000.00	 	2,500,000.00	 	2,483,244.05	 	3,016,802.50	 	38,819.44


  
 Page 2 of 2 








 Annex B 

Net Settlements 
 [See
attached.] 







 Monthly Accounting Report 

For the Monthly Accounting Period ending on
                     
  

											
	Section 1: Policy cash flows to/(from) Ceding Company (gross)	  		  				 			
				
	 First Year Premium (net of returns and refunds of premiums)
	  		  	$	—  	  	 			
	 Renewal Premium (net of returns and refunds of premiums, including dividends)
	  		  	 	—  	  	 			
		  		  	  
	  
	 	 			
				
	 A TOTAL Premium
	  		  				 	 	—  	  
				
	 Full / Partial Surrenders, net of surrender charges
	  		  	 	—  	  	 			
	 Death Claims
	  		  	 	—  	  	 			
	 Matured Endowments
	  		  	 	—  	  	 			
	 Waiver of Premium and other benefit riders
	  		  	 	—  	  	 			
		  		  	  
	  
	 	 			
				
	 B TOTAL Claims
	  		  				 	 	—  	  
				
	 Premiums received on third-party reinsurance
	  		  	 	—  	  	 			
	 Claims paid on third-party reinsurance
	  		  	 	—  	  	 			
	 Commissions / expense allowances on third-party reinsurance
	  		  	 	—  	  	 			
	 Other Benefits paid/received on third-party reinsurance
	  		  	 	—  	  	 			
		  		  	  
	  
	 	 			
				
	 C Net third-party reinsurance
	  		  				 	 	—  	  
				
	 Renewal commissions
	  		  	 	—  	  	 			
		  		  	  
	  
	 	 			
				
	 D Total commissions
	  		  				 	 	—  	  
				
	Section 2: Policy cash flows due to / (owed from) Reinsurer	  		  				 			
				
	 E Net Policy Cash Flows (A - B +/- C - D)
	  		  				 	 	—  	  
	 x Quota Share
	  		  				 	 	100	% 
		  		  				 	  
	  
	 
	 F Reinsurer Share of Net Policy Cash Flows
	  		  				 	 	—  	  
				
	 G Net Settlement Amounts paid to/(by) Reinsurer during Period
	  		  				 			
				
		  	MM/DD/YYYY	  	 	—  	  	 			
		  		  	  
	  
	 	 			
		  		  				 	 	—  	  
		  		  				 	  
	  
	 
	 H Policy Cash Flows due to/(owed from) Reinsurer (F - G)
	  		  				 	 	—  	  
		  		  				 	  
	  
	 
				
	Section 3 Quarterly Net Settlement Amount owed to / (from) Reinsurer	  		  				 			
				
	 I Policy Cash Flows
	  		  				 	 	—  	  
				
	 Premiums Received
	  		  	 	—  	  	 			
	 x 1.8%
	  		  	 	1.80	% 	 			
		  		  	  
	  
	 	 			
	 Premium Tax Allowance:
	  		  	 	—  	  	 			
				
	 - Premium Tax Allowance Prior Year True-up
	  		  	 	—  	  	 			
				
	 Guarantee Assessments Paid by the Company
	  		  	 	—  	  	 			
				
	 J Total Premium Taxes / Guarantee Assessments
	  		  				 	 	—  	  
				
	 K Miscellaneous
	  		  				 			
	 a. Producer Payments and Commissions
	  		  				 	 	—  	  
		  		  				 	  
	  
	 
	 L Quarterly Net Settlement Amount owed to / (from) Reinsurer
	  		  				 	 	—  	  
		  		  				 	  
	  
	 
				
	Section 4.1: Funds Withheld Account	  		  				 			
	 M Statutory Carrying Value of Assets at Beginning Month
	  		  				 	$	—  	  
				
	 N Investment Income
	  		  				 	 	—  	  
				
	 O GSAM Investment Management Fees
	  		  				 	 	—  	  









											
	 P Realized Gains / (Losses)
	  		  				  	 	—  	  
				
	 Q Changes in Unrealized Gains for NAIC 6
	  		  				  	 	—  	  
				
	 R Statutory Impairments / Default Losses Realized
	  		  				  	 	—  	  
				
		  	MM/DD/YYYY	  	 	—  	  	  			
		  	MM/DD/YYYY	  	 	—  	  	  			
		  	MM/DD/YYYY	  	 	—  	  	  			
		  	MM/DD/YYYY	  	 	—  	  	  			
		  		  	  
	  
	 	  			









													
	 S Cash or other assets transferred (to) / from Reinsurer
	  				  				  	 	—  	  
				
		  	 	MM/DD/YYYY	  	  	 	—  	  	  			
		  	 	MM/DD/YYYY	  	  	 	—  	  	  			
		  	 	MM/DD/YYYY	  	  	 	—  	  	  			
		  	 	MM/DD/YYYY	  	  	 	—  	  	  			
		  				  	  
	  
	 	  			
				
	 T Cash or other assets transferred (to) / from Reinsurer_Retrocessionaire
	  				  				  	 	—  	  
				
	 U Statutory Carrying Value of Assets at End of Month
	  				  				  	 	—  	  
	 (M + N - O +/- P +/- Q +/- R +/- S +/- T )
	  				  				  			
				
	 Assigned Hedge Costs
	  				  	 	—  	  	  			
	 Assigned Hedge Proceeds
	  				  	 	—  	  	  			
		  				  	  
	  
	 	  			
				
	 V Net hedge (costs) / proceeds due to/(from) Reinsurer
	  				  				  	 	—  	  
				
	 Policy Loan Interest Received
	  				  	 	—  	  	  			
	 Policy Loan Principal Repayments
	  				  	 	—  	  	  			
	 Less: Policy Loans Issued / Adjusted
	  				  	 	—  	  	  			
		  				  	  
	  
	 	  			
				
	 W TOTAL Policy Loans
	  				  				  	 	—  	  
				
	Section 5: Calculation of Funds Withheld Adjustment	  				  				  			
				
	 X Total Funds Withheld Account
	  				  				  	 	—  	  
	 (U +/- V +/- W)
	  				  				  			
				
	 Y Amounts still owed from prior settlement
	  				  				  	 	—  	  
				
	 Z Ending Statutory Reserves
	  				  				  	 	—  	  
				
	 AA Funds Withheld Adjustment due from / (to) the Reinsurer
	  				  				  	 	—  	  
	 (Z - X +/- Y)
	  				  				  			
		  				  				  	  
	  
	 
	 AB Net Amount to Transfer (AA - L)
	  				  				  	 	—  	  
		  				  				  	  
	  
	 








 Annex C 

EI Hedges 
 [See attached.]
 

  
 2 








 All EI Hedges have been included on Annex C of the Coinsurance and Assumption Agreement, dated as
the date hereof, by and between the Company and the Reinsurer. After the Effective Date, some of those EI Hedges may be allocated to this Agreement and that certain Funds Withheld Coinsurance Agreement, dated as the date hereof, by and between
the Company and the Reinsurer. 







 Annex D 

Life Reference Balance Sheet 

[See attached.] 

  
 3 








 ALACNY Financed - US Bank Reference Balance Sheet 

Assets and liabilities for ALACNY to transfer to FAFLIC 

Illustrative, based on 8/31/2013 ALACNY balances 
 Debit
(Credit) 
  

					
	 	  	US Bank	 
	 	  	Funds Withheld Treaty	 
		
	 Cash
	  	 	1,112,503	  
	 Deferred premium
	  	 	646,476	  
	 Funds withheld receivable
	  	 	187,114,613	  
		  	  
	  
	 
	 Total assets
	  	 	188,873,592	  
		
	 Life reserves - Statutory Reserve
	  	 	(187,114,613	) 
	 Claim liability
	  	 	(278,776	) 
	 Existing interest maintenance reserve
	  	 	(1,480,203	) 
		  	  
	  
	 
	 Total liabilities
	  	 	(188,873,592	) 
		  	  
	  
	 
	 Liabilities transferred in excess of assets transferred
	  	 	—  	  
		  	  
	  
	 

  

					
	US Bank	  	ALACNY - Life Reference Balance Sheet (Non-Financed NLB).xlsx	  	Distributed 9/24/2013








 Annex E 

Additional Life Reference Balance Sheet Assets 

None. 







 Annex F 

Policy List 
 [See
attached.] 

  
 5 








 ALACNY Policy Listings — 2010-12 Block AXXX 

 

															
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 1 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06279120	 	BL06281820	 	BL06283790	 	BL06286010	 	BL06288880	 	BL06291290	 	BL06293810	 	BL06295460
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	BL06280890	 	BL06283200	 	BL06285240	 	BL06288250	 	BL06290560	 	BL06293140	 	BL06295090	 	BL06297050
	BL06281000	 	BL06283260	 	BL06285250	 	BL06288270	 	BL06290610	 	BL06293180	 	BL06295100	 	BL06297070
	BL06281130	 	BL06283270	 	BL06285260	 	BL06288280	 	BL06290650	 	BL06293190	 	BL06295110	 	BL06297100
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	BL06281200	 	BL06283300	 	BL06285400	 	BL06288310	 	BL06290670	 	BL06293250	 	BL06295130	 	BL06297140
	BL06281220	 	BL06283350	 	BL06285410	 	BL06288330	 	BL06290770	 	BL06293260	 	BL06295140	 	BL06297220
	BL06281250	 	BL06283420	 	BL06285440	 	BL06288340	 	BL06290780	 	BL06293270	 	BL06295150	 	BL06297230
	BL06281310	 	BL06283450	 	BL06285490	 	BL06288410	 	BL06290850	 	BL06293360	 	BL06295170	 	BL06297240
	BL06281430	 	BL06283460	 	BL06285510	 	BL06288430	 	BL06290890	 	BL06293390	 	BL06295190	 	BL06297270
	BL06281450	 	BL06283500	 	BL06285550	 	BL06288540	 	BL06290930	 	BL06293420	 	BL06295200	 	BL06297340
	BL06281540	 	BL06283540	 	BL06285610	 	BL06288560	 	BL06290970	 	BL06293450	 	BL06295220	 	BL06297350
	BL06281560	 	BL06283550	 	BL06285650	 	BL06288580	 	BL06290980	 	BL06293460	 	BL06295260	 	BL06297410
	BL06281570	 	BL06283580	 	BL06285720	 	BL06288620	 	BL06291000	 	BL06293480	 	BL06295280	 	BL06297430
	BL06281600	 	BL06283590	 	BL06285740	 	BL06288630	 	BL06291070	 	BL06293500	 	BL06295300	 	BL06297470
	BL06281680	 	BL06283600	 	BL06285780	 	BL06288700	 	BL06291090	 	BL06293640	 	BL06295320	 	BL06297480
	BL06281720	 	BL06283610	 	BL06285790	 	BL06288730	 	BL06291120	 	BL06293660	 	BL06295380	 	BL06297490
	BL06281730	 	BL06283710	 	BL06285820	 	BL06288740	 	BL06291150	 	BL06293680	 	BL06295390	 	BL06297550
	BL06281750	 	BL06283730	 	BL06285840	 	BL06288750	 	BL06291180	 	BL06293690	 	BL06295430	 	BL06297560
	BL06281790	 	BL06283750	 	BL06285860	 	BL06288770	 	BL06291190	 	BL06293750	 	BL06295440	 	BL06297590
	BL06281810	 	BL06283770	 	BL06285940	 	BL06288860	 	BL06291260	 	BL06293770	 	BL06295450	 	BL06297610


  
 2 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06297620	 	BL06299460	 	BL06301490	 	BL06303440	 	BL06305910	 	BL06307550	 	BL06309860	 	BL06311700
	BL06297640	 	BL06299470	 	BL06301500	 	BL06303490	 	BL06305930	 	BL06307570	 	BL06309870	 	BL06311730
	BL06297650	 	BL06299520	 	BL06301510	 	BL06303610	 	BL06305940	 	BL06307690	 	BL06309940	 	BL06311750
	BL06297670	 	BL06299570	 	BL06301550	 	BL06303620	 	BL06305960	 	BL06307730	 	BL06309950	 	BL06311840
	BL06297700	 	BL06299600	 	BL06301570	 	BL06303660	 	BL06306010	 	BL06307770	 	BL06309990	 	BL06311850
	BL06297710	 	BL06299610	 	BL06301610	 	BL06303710	 	BL06306030	 	BL06307840	 	BL06310000	 	BL06311860
	BL06297730	 	BL06299650	 	BL06301630	 	BL06303730	 	BL06306070	 	BL06307980	 	BL06310010	 	BL06311870
	BL06297740	 	BL06299720	 	BL06301710	 	BL06303850	 	BL06306110	 	BL06308040	 	BL06310020	 	BL06311930
	BL06297760	 	BL06299760	 	BL06301720	 	BL06303870	 	BL06306140	 	BL06308050	 	BL06310040	 	BL06311950
	BL06297790	 	BL06299800	 	BL06301730	 	BL06303880	 	BL06306170	 	BL06308060	 	BL06310120	 	BL06311960
	BL06297830	 	BL06299820	 	BL06301750	 	BL06303990	 	BL06306190	 	BL06308070	 	BL06310130	 	BL06312060
	BL06297970	 	BL06299830	 	BL06301780	 	BL06304000	 	BL06306200	 	BL06308090	 	BL06310140	 	BL06312090
	BL06298000	 	BL06299900	 	BL06301870	 	BL06304090	 	BL06306210	 	BL06308170	 	BL06310150	 	BL06312100
	BL06298090	 	BL06299920	 	BL06301990	 	BL06304110	 	BL06306220	 	BL06308180	 	BL06310160	 	BL06312130
	BL06298180	 	BL06299990	 	BL06302020	 	BL06304140	 	BL06306270	 	BL06308250	 	BL06310220	 	BL06312190
	BL06298190	 	BL06300020	 	BL06302040	 	BL06304180	 	BL06306280	 	BL06308320	 	BL06310270	 	BL06312200
	BL06298220	 	BL06300060	 	BL06302140	 	BL06304260	 	BL06306310	 	BL06308360	 	BL06310290	 	BL06312280
	BL06298230	 	BL06300070	 	BL06302150	 	BL06304310	 	BL06306320	 	BL06308380	 	BL06310310	 	BL06312300
	BL06298240	 	BL06300110	 	BL06302160	 	BL06304350	 	BL06306340	 	BL06308390	 	BL06310340	 	BL06312310
	BL06298250	 	BL06300130	 	BL06302180	 	BL06304380	 	BL06306350	 	BL06308400	 	BL06310360	 	BL06312330
	BL06298260	 	BL06300230	 	BL06302190	 	BL06304390	 	BL06306410	 	BL06308410	 	BL06310420	 	BL06312370
	BL06298290	 	BL06300310	 	BL06302220	 	BL06304410	 	BL06306490	 	BL06308470	 	BL06310440	 	BL06312400
	BL06298310	 	BL06300340	 	BL06302230	 	BL06304430	 	BL06306510	 	BL06308530	 	BL06310470	 	BL06312440
	BL06298330	 	BL06300350	 	BL06302250	 	BL06304490	 	BL06306550	 	BL06308670	 	BL06310510	 	BL06312450
	BL06298350	 	BL06300370	 	BL06302270	 	BL06304500	 	BL06306560	 	BL06308790	 	BL06310530	 	BL06312470
	BL06298370	 	BL06300380	 	BL06302310	 	BL06304510	 	BL06306570	 	BL06308830	 	BL06310540	 	BL06312520
	BL06298410	 	BL06300450	 	BL06302340	 	BL06304530	 	BL06306610	 	BL06308860	 	BL06310570	 	BL06312540
	BL06298430	 	BL06300460	 	BL06302350	 	BL06304560	 	BL06306640	 	BL06308870	 	BL06310580	 	BL06312560
	BL06298480	 	BL06300560	 	BL06302360	 	BL06304570	 	BL06306720	 	BL06308900	 	BL06310630	 	BL06312600
	BL06298490	 	BL06300590	 	BL06302380	 	BL06304580	 	BL06306730	 	BL06309040	 	BL06310660	 	BL06312630
	BL06298500	 	BL06300600	 	BL06302410	 	BL06304590	 	BL06306740	 	BL06309060	 	BL06310690	 	BL06312680
	BL06298510	 	BL06300620	 	BL06302430	 	BL06304610	 	BL06306820	 	BL06309070	 	BL06310700	 	BL06312690
	BL06298550	 	BL06300630	 	BL06302470	 	BL06304650	 	BL06306840	 	BL06309080	 	BL06310710	 	BL06312700
	BL06298570	 	BL06300640	 	BL06302490	 	BL06304680	 	BL06306850	 	BL06309090	 	BL06310720	 	BL06312720
	BL06298640	 	BL06300660	 	BL06302500	 	BL06304730	 	BL06306880	 	BL06309100	 	BL06310730	 	BL06312740
	BL06298650	 	BL06300700	 	BL06302510	 	BL06304740	 	BL06306930	 	BL06309240	 	BL06310750	 	BL06312760
	BL06298680	 	BL06300720	 	BL06302550	 	BL06304750	 	BL06306960	 	BL06309300	 	BL06310890	 	BL06312810
	BL06298690	 	BL06300730	 	BL06302600	 	BL06304780	 	BL06306970	 	BL06309310	 	BL06310960	 	BL06312840
	BL06298730	 	BL06300760	 	BL06302620	 	BL06304850	 	BL06306980	 	BL06309320	 	BL06310970	 	BL06312850
	BL06298740	 	BL06300770	 	BL06302650	 	BL06304880	 	BL06306990	 	BL06309340	 	BL06311010	 	BL06312860
	BL06298820	 	BL06300810	 	BL06302660	 	BL06304890	 	BL06307040	 	BL06309390	 	BL06311030	 	BL06312890
	BL06298860	 	BL06300860	 	BL06302680	 	BL06304910	 	BL06307050	 	BL06309400	 	BL06311060	 	BL06312910
	BL06298880	 	BL06300880	 	BL06302720	 	BL06304970	 	BL06307070	 	BL06309440	 	BL06311080	 	BL06312990
	BL06298910	 	BL06300890	 	BL06302730	 	BL06305030	 	BL06307090	 	BL06309480	 	BL06311180	 	BL06313100
	BL06298940	 	BL06300900	 	BL06302810	 	BL06305060	 	BL06307120	 	BL06309490	 	BL06311190	 	BL06313130
	BL06299000	 	BL06300940	 	BL06302840	 	BL06305130	 	BL06307150	 	BL06309500	 	BL06311210	 	BL06313150
	BL06299030	 	BL06300990	 	BL06302860	 	BL06305140	 	BL06307160	 	BL06309510	 	BL06311220	 	BL06313200
	BL06299040	 	BL06301000	 	BL06302900	 	BL06305170	 	BL06307190	 	BL06309560	 	BL06311230	 	BL06313210
	BL06299090	 	BL06301030	 	BL06302910	 	BL06305180	 	BL06307200	 	BL06309570	 	BL06311240	 	BL06313220
	BL06299100	 	BL06301050	 	BL06302930	 	BL06305220	 	BL06307210	 	BL06309580	 	BL06311260	 	BL06313250
	BL06299110	 	BL06301060	 	BL06302950	 	BL06305230	 	BL06307260	 	BL06309610	 	BL06311280	 	BL06313260
	BL06299120	 	BL06301080	 	BL06302980	 	BL06305380	 	BL06307270	 	BL06309640	 	BL06311320	 	BL06313280
	BL06299150	 	BL06301100	 	BL06302990	 	BL06305430	 	BL06307330	 	BL06309650	 	BL06311340	 	BL06313290
	BL06299160	 	BL06301160	 	BL06303000	 	BL06305530	 	BL06307340	 	BL06309660	 	BL06311350	 	BL06313320
	BL06299170	 	BL06301220	 	BL06303010	 	BL06305580	 	BL06307350	 	BL06309670	 	BL06311410	 	BL06313460
	BL06299220	 	BL06301240	 	BL06303020	 	BL06305620	 	BL06307380	 	BL06309690	 	BL06311460	 	BL06313470
	BL06299230	 	BL06301300	 	BL06303080	 	BL06305640	 	BL06307430	 	BL06309720	 	BL06311520	 	BL06313490
	BL06299300	 	BL06301350	 	BL06303130	 	BL06305740	 	BL06307440	 	BL06309730	 	BL06311540	 	BL06313510
	BL06299330	 	BL06301370	 	BL06303150	 	BL06305830	 	BL06307470	 	BL06309750	 	BL06311570	 	BL06313590
	BL06299340	 	BL06301380	 	BL06303170	 	BL06305870	 	BL06307500	 	BL06309770	 	BL06311580	 	BL06313600
	BL06299410	 	BL06301420	 	BL06303210	 	BL06305880	 	BL06307520	 	BL06309840	 	BL06311620	 	BL06313630
	BL06299440	 	BL06301440	 	BL06303430	 	BL06305890	 	BL06307540	 	BL06309850	 	BL06311630	 	BL06313660


  
 3 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06313670	 	BL06315490	 	BL06317510	 	BL06319260	 	BL06320870	 	BL06322490	 	BL06323980	 	BL06326000
	BL06313680	 	BL06315580	 	BL06317540	 	BL06319280	 	BL06320890	 	BL06322510	 	BL06324010	 	BL06326010
	BL06313690	 	BL06315680	 	BL06317550	 	BL06319300	 	BL06320930	 	BL06322530	 	BL06324020	 	BL06326090
	BL06313710	 	BL06315720	 	BL06317580	 	BL06319320	 	BL06320980	 	BL06322560	 	BL06324070	 	BL06326110
	BL06313720	 	BL06315750	 	BL06317630	 	BL06319330	 	BL06320990	 	BL06322580	 	BL06324110	 	BL06326130
	BL06313760	 	BL06315760	 	BL06317670	 	BL06319380	 	BL06321000	 	BL06322630	 	BL06324200	 	BL06326200
	BL06313780	 	BL06315770	 	BL06317700	 	BL06319410	 	BL06321030	 	BL06322650	 	BL06324210	 	BL06326230
	BL06313790	 	BL06315780	 	BL06317720	 	BL06319430	 	BL06321070	 	BL06322670	 	BL06324250	 	BL06326250
	BL06313820	 	BL06315790	 	BL06317740	 	BL06319490	 	BL06321090	 	BL06322680	 	BL06324270	 	BL06326340
	BL06313850	 	BL06315820	 	BL06317760	 	BL06319550	 	BL06321130	 	BL06322700	 	BL06324280	 	BL06326360
	BL06313880	 	BL06315830	 	BL06317780	 	BL06319560	 	BL06321140	 	BL06322750	 	BL06324300	 	BL06326420
	BL06313980	 	BL06315850	 	BL06317810	 	BL06319600	 	BL06321160	 	BL06322800	 	BL06324310	 	BL06326430
	BL06313990	 	BL06315870	 	BL06317820	 	BL06319620	 	BL06321170	 	BL06322810	 	BL06324320	 	BL06326530
	BL06314000	 	BL06316020	 	BL06317860	 	BL06319630	 	BL06321200	 	BL06322830	 	BL06324410	 	BL06326560
	BL06314130	 	BL06316030	 	BL06317890	 	BL06319650	 	BL06321240	 	BL06322840	 	BL06324420	 	BL06326580
	BL06314140	 	BL06316070	 	BL06317900	 	BL06319700	 	BL06321340	 	BL06322890	 	BL06324470	 	BL06326600
	BL06314160	 	BL06316080	 	BL06317910	 	BL06319720	 	BL06321390	 	BL06322900	 	BL06324490	 	BL06326630
	BL06314170	 	BL06316110	 	BL06317920	 	BL06319740	 	BL06321470	 	BL06322920	 	BL06324500	 	BL06326660
	BL06314210	 	BL06316120	 	BL06317970	 	BL06319760	 	BL06321600	 	BL06322970	 	BL06324540	 	BL06326670
	BL06314220	 	BL06316150	 	BL06318010	 	BL06319770	 	BL06321610	 	BL06322980	 	BL06324550	 	BL06326680
	BL06314260	 	BL06316240	 	BL06318070	 	BL06319780	 	BL06321620	 	BL06322990	 	BL06324560	 	BL06326690
	BL06314270	 	BL06316290	 	BL06318120	 	BL06319810	 	BL06321650	 	BL06323010	 	BL06324590	 	BL06326730
	BL06314290	 	BL06316310	 	BL06318170	 	BL06319830	 	BL06321710	 	BL06323030	 	BL06324610	 	BL06326750
	BL06314410	 	BL06316350	 	BL06318190	 	BL06319840	 	BL06321720	 	BL06323040	 	BL06324620	 	BL06326880
	BL06314430	 	BL06316360	 	BL06318210	 	BL06319860	 	BL06321730	 	BL06323060	 	BL06324630	 	BL06326900
	BL06314520	 	BL06316370	 	BL06318270	 	BL06319870	 	BL06321760	 	BL06323070	 	BL06324650	 	BL06326970
	BL06314540	 	BL06316390	 	BL06318290	 	BL06319880	 	BL06321770	 	BL06323090	 	BL06324660	 	BL06327020
	BL06314550	 	BL06316400	 	BL06318330	 	BL06319890	 	BL06321780	 	BL06323100	 	BL06324690	 	BL06327030
	BL06314580	 	BL06316420	 	BL06318350	 	BL06319940	 	BL06321790	 	BL06323110	 	BL06324760	 	BL06327060
	BL06314620	 	BL06316440	 	BL06318370	 	BL06319970	 	BL06321820	 	BL06323120	 	BL06324770	 	BL06327100
	BL06314630	 	BL06316480	 	BL06318390	 	BL06319980	 	BL06321840	 	BL06323160	 	BL06324790	 	BL06327120
	BL06314670	 	BL06316510	 	BL06318420	 	BL06320000	 	BL06321860	 	BL06323190	 	BL06324930	 	BL06327130
	BL06314690	 	BL06316540	 	BL06318440	 	BL06320020	 	BL06321880	 	BL06323230	 	BL06325030	 	BL06327150
	BL06314710	 	BL06316570	 	BL06318450	 	BL06320040	 	BL06321910	 	BL06323240	 	BL06325040	 	BL06327170
	BL06314720	 	BL06316580	 	BL06318460	 	BL06320060	 	BL06321960	 	BL06323250	 	BL06325060	 	BL06327180
	BL06314740	 	BL06316610	 	BL06318480	 	BL06320070	 	BL06322000	 	BL06323260	 	BL06325280	 	BL06327270
	BL06314810	 	BL06316650	 	BL06318490	 	BL06320090	 	BL06322030	 	BL06323270	 	BL06325340	 	BL06327280
	BL06314840	 	BL06316660	 	BL06318510	 	BL06320100	 	BL06322040	 	BL06323280	 	BL06325350	 	BL06327300
	BL06314850	 	BL06316670	 	BL06318560	 	BL06320110	 	BL06322060	 	BL06323290	 	BL06325400	 	BL06327360
	BL06314860	 	BL06316680	 	BL06318680	 	BL06320130	 	BL06322070	 	BL06323310	 	BL06325410	 	BL06327380
	BL06314900	 	BL06316690	 	BL06318690	 	BL06320150	 	BL06322080	 	BL06323320	 	BL06325470	 	BL06327570
	BL06314910	 	BL06316720	 	BL06318700	 	BL06320160	 	BL06322110	 	BL06323330	 	BL06325490	 	BL06327670
	BL06314960	 	BL06316740	 	BL06318760	 	BL06320190	 	BL06322140	 	BL06323360	 	BL06325510	 	BL06327890
	BL06314990	 	BL06316770	 	BL06318820	 	BL06320240	 	BL06322150	 	BL06323380	 	BL06325520	 	BL06327960
	BL06315020	 	BL06316850	 	BL06318830	 	BL06320270	 	BL06322160	 	BL06323430	 	BL06325540	 	BL06328100
	BL06315070	 	BL06316890	 	BL06318840	 	BL06320290	 	BL06322180	 	BL06323440	 	BL06325560	 	BL06328110
	BL06315090	 	BL06316970	 	BL06318850	 	BL06320310	 	BL06322200	 	BL06323450	 	BL06325700	 	BL06328560
	BL06315100	 	BL06317010	 	BL06318890	 	BL06320390	 	BL06322240	 	BL06323490	 	BL06325720	 	BL06328950
	BL06315140	 	BL06317050	 	BL06318920	 	BL06320430	 	BL06322260	 	BL06323500	 	BL06325730	 	BL06184480
	BL06315150	 	BL06317070	 	BL06318970	 	BL06320460	 	BL06322300	 	BL06323510	 	BL06325740	 	BL06186570
	BL06315160	 	BL06317090	 	BL06318990	 	BL06320470	 	BL06322310	 	BL06323560	 	BL06325760	 	BL06191220
	BL06315180	 	BL06317160	 	BL06319000	 	BL06320520	 	BL06322320	 	BL06323590	 	BL06325780	 	BL06194800
	BL06315200	 	BL06317170	 	BL06319020	 	BL06320530	 	BL06322330	 	BL06323620	 	BL06325790	 	BL06196280
	BL06315240	 	BL06317260	 	BL06319050	 	BL06320550	 	BL06322340	 	BL06323630	 	BL06325830	 	BL06196970
	BL06315270	 	BL06317320	 	BL06319080	 	BL06320590	 	BL06322370	 	BL06323640	 	BL06325840	 	BL06197410
	BL06315320	 	BL06317340	 	BL06319100	 	BL06320600	 	BL06322380	 	BL06323670	 	BL06325850	 	BL06198230
	BL06315330	 	BL06317370	 	BL06319120	 	BL06320680	 	BL06322390	 	BL06323680	 	BL06325860	 	BL06198470
	BL06315350	 	BL06317390	 	BL06319150	 	BL06320700	 	BL06322410	 	BL06323750	 	BL06325890	 	BL06198940
	BL06315370	 	BL06317400	 	BL06319160	 	BL06320730	 	BL06322430	 	BL06323850	 	BL06325910	 	BL06199630
	BL06315390	 	BL06317410	 	BL06319170	 	BL06320830	 	BL06322440	 	BL06323910	 	BL06325950	 	BL06199890
	BL06315400	 	BL06317460	 	BL06319230	 	BL06320840	 	BL06322460	 	BL06323920	 	BL06325960	 	BL06199950
	BL06315430	 	BL06317480	 	BL06319240	 	BL06320850	 	BL06322480	 	BL06323940	 	BL06325990	 	BL06200270


  
 4 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06200680	 	BL06214930	 	BL06218810	 	BL06220900	 	BL06223620	 	BL06226590	 	BL06229020	 	BL06231440
	BL06200780	 	BL06214960	 	BL06218830	 	BL06221040	 	BL06223650	 	BL06226610	 	BL06229050	 	BL06231450
	BL06201270	 	BL06215050	 	BL06218840	 	BL06221080	 	BL06223680	 	BL06226640	 	BL06229060	 	BL06231570
	BL06201590	 	BL06215190	 	BL06218850	 	BL06221110	 	BL06223710	 	BL06226660	 	BL06229080	 	BL06231580
	BL06201960	 	BL06215240	 	BL06218860	 	BL06221130	 	BL06223810	 	BL06226690	 	BL06229090	 	BL06231610
	BL06202570	 	BL06215260	 	BL06218880	 	BL06221220	 	BL06223850	 	BL06226720	 	BL06229110	 	BL06231640
	BL06203360	 	BL06215280	 	BL06218890	 	BL06221230	 	BL06223860	 	BL06226730	 	BL06229120	 	BL06231910
	BL06203390	 	BL06215290	 	BL06218940	 	BL06221240	 	BL06223940	 	BL06226790	 	BL06229150	 	BL06231940
	BL06203550	 	BL06215360	 	BL06218950	 	BL06221270	 	BL06223990	 	BL06226840	 	BL06229180	 	BL06232000
	BL06203690	 	BL06215420	 	BL06219130	 	BL06221300	 	BL06224000	 	BL06226870	 	BL06229190	 	BL06232010
	BL06203900	 	BL06215430	 	BL06219180	 	BL06221350	 	BL06224030	 	BL06226920	 	BL06229270	 	BL06232030
	BL06204050	 	BL06215580	 	BL06219230	 	BL06221380	 	BL06224120	 	BL06226930	 	BL06229370	 	BL06232140
	BL06204520	 	BL06215590	 	BL06219240	 	BL06221390	 	BL06224140	 	BL06226950	 	BL06229420	 	BL06232200
	BL06204690	 	BL06215600	 	BL06219260	 	BL06221410	 	BL06224220	 	BL06226990	 	BL06229430	 	BL06232220
	BL06204720	 	BL06215660	 	BL06219340	 	BL06221490	 	BL06224230	 	BL06227050	 	BL06229480	 	BL06232240
	BL06204860	 	BL06215820	 	BL06219370	 	BL06221510	 	BL06224480	 	BL06227160	 	BL06229520	 	BL06232370
	BL06204900	 	BL06215830	 	BL06219460	 	BL06221520	 	BL06224560	 	BL06227170	 	BL06229810	 	BL06232380
	BL06205060	 	BL06215860	 	BL06219470	 	BL06221600	 	BL06224590	 	BL06227190	 	BL06229840	 	BL06232390
	BL06205140	 	BL06215900	 	BL06219490	 	BL06221640	 	BL06224640	 	BL06227210	 	BL06229860	 	BL06232420
	BL06205160	 	BL06215910	 	BL06219510	 	BL06221660	 	BL06224670	 	BL06227220	 	BL06229920	 	BL06232440
	BL06205280	 	BL06215950	 	BL06219560	 	BL06221700	 	BL06224680	 	BL06227230	 	BL06229930	 	BL06232500
	BL06205670	 	BL06215960	 	BL06219600	 	BL06221760	 	BL06224760	 	BL06227250	 	BL06229950	 	BL06232530
	BL06205700	 	BL06215970	 	BL06219620	 	BL06221810	 	BL06224840	 	BL06227290	 	BL06230000	 	BL06232560
	BL06205740	 	BL06216020	 	BL06219680	 	BL06221840	 	BL06224890	 	BL06227400	 	BL06230030	 	BL06232570
	BL06205820	 	BL06216050	 	BL06219820	 	BL06221890	 	BL06224910	 	BL06227420	 	BL06230040	 	BL06232580
	BL06206010	 	BL06216060	 	BL06219840	 	BL06221910	 	BL06225010	 	BL06227430	 	BL06230070	 	BL06232590
	BL06206270	 	BL06216150	 	BL06219860	 	BL06221920	 	BL06225170	 	BL06227440	 	BL06230090	 	BL06232640
	BL06206390	 	BL06216180	 	BL06219870	 	BL06221930	 	BL06225180	 	BL06227480	 	BL06230190	 	BL06232690
	BL06206420	 	BL06216330	 	BL06219890	 	BL06221990	 	BL06225220	 	BL06227530	 	BL06230200	 	BL06232780
	BL06206430	 	BL06216400	 	BL06219920	 	BL06222000	 	BL06225250	 	BL06227580	 	BL06230210	 	BL06232790
	BL06206800	 	BL06216620	 	BL06219930	 	BL06222040	 	BL06225270	 	BL06227610	 	BL06230220	 	BL06232810
	BL06206820	 	BL06216630	 	BL06219950	 	BL06222110	 	BL06225320	 	BL06227630	 	BL06230250	 	BL06232920
	BL06206840	 	BL06216750	 	BL06220020	 	BL06222200	 	BL06225330	 	BL06227680	 	BL06230270	 	BL06232930
	BL06206960	 	BL06216820	 	BL06220040	 	BL06222340	 	BL06225340	 	BL06227770	 	BL06230300	 	BL06232980
	BL06207080	 	BL06216890	 	BL06220070	 	BL06222360	 	BL06225360	 	BL06227840	 	BL06230380	 	BL06232990
	BL06207180	 	BL06216990	 	BL06220100	 	BL06222420	 	BL06225370	 	BL06227990	 	BL06230460	 	BL06233020
	BL06207200	 	BL06217020	 	BL06220110	 	BL06222560	 	BL06225380	 	BL06228000	 	BL06230500	 	BL06233030
	BL06207360	 	BL06217030	 	BL06220180	 	BL06222640	 	BL06225440	 	BL06228020	 	BL06230680	 	BL06233070
	BL06207370	 	BL06217070	 	BL06220200	 	BL06222690	 	BL06225550	 	BL06228030	 	BL06230730	 	BL06233190
	BL06207490	 	BL06217140	 	BL06220210	 	BL06222700	 	BL06225570	 	BL06228150	 	BL06230740	 	BL06233210
	BL06207500	 	BL06217240	 	BL06220230	 	BL06222730	 	BL06225580	 	BL06228160	 	BL06230780	 	BL06233250
	BL06207730	 	BL06217270	 	BL06220310	 	BL06222760	 	BL06225610	 	BL06228170	 	BL06230790	 	BL06233260
	BL06208150	 	BL06217320	 	BL06220350	 	BL06222780	 	BL06225660	 	BL06228240	 	BL06230800	 	BL06233370
	BL06208230	 	BL06217390	 	BL06220380	 	BL06222870	 	BL06225670	 	BL06228290	 	BL06230810	 	BL06233380
	BL06208650	 	BL06217450	 	BL06220430	 	BL06222940	 	BL06225710	 	BL06228330	 	BL06230860	 	BL06233420
	BL06208690	 	BL06217510	 	BL06220480	 	BL06222960	 	BL06225730	 	BL06228340	 	BL06230920	 	BL06233450
	BL06208700	 	BL06217600	 	BL06220500	 	BL06223010	 	BL06225950	 	BL06228370	 	BL06230960	 	BL06233500
	BL06208860	 	BL06217610	 	BL06220510	 	BL06223070	 	BL06226020	 	BL06228400	 	BL06231090	 	BL06233590
	BL06208940	 	BL06217640	 	BL06220520	 	BL06223080	 	BL06226170	 	BL06228480	 	BL06231140	 	BL06233640
	BL06213540	 	BL06217660	 	BL06220560	 	BL06223140	 	BL06226190	 	BL06228490	 	BL06231150	 	BL06233670
	BL06213580	 	BL06217740	 	BL06220570	 	BL06223150	 	BL06226200	 	BL06228520	 	BL06231160	 	BL06233680
	BL06213600	 	BL06217830	 	BL06220610	 	BL06223160	 	BL06226240	 	BL06228530	 	BL06231180	 	BL06233710
	BL06213650	 	BL06217990	 	BL06220640	 	BL06223230	 	BL06226250	 	BL06228610	 	BL06231240	 	BL06233730
	BL06213850	 	BL06218030	 	BL06220650	 	BL06223240	 	BL06226320	 	BL06228650	 	BL06231290	 	BL06233740
	BL06213910	 	BL06218170	 	BL06220660	 	BL06223250	 	BL06226330	 	BL06228690	 	BL06231300	 	BL06233770
	BL06213920	 	BL06218190	 	BL06220690	 	BL06223260	 	BL06226340	 	BL06228710	 	BL06231310	 	BL06233780
	BL06213950	 	BL06218250	 	BL06220730	 	BL06223290	 	BL06226410	 	BL06228720	 	BL06231320	 	BL06233810
	BL06214050	 	BL06218280	 	BL06220740	 	BL06223310	 	BL06226420	 	BL06228740	 	BL06231330	 	BL06233870
	BL06214490	 	BL06218300	 	BL06220760	 	BL06223360	 	BL06226430	 	BL06228750	 	BL06231340	 	BL06233920
	BL06214580	 	BL06218380	 	BL06220770	 	BL06223400	 	BL06226530	 	BL06228820	 	BL06231350	 	BL06233930
	BL06214690	 	BL06218410	 	BL06220780	 	BL06223410	 	BL06226540	 	BL06228950	 	BL06231370	 	BL06233950
	BL06214770	 	BL06218710	 	BL06220800	 	BL06223440	 	BL06226570	 	BL06228960	 	BL06231420	 	BL06233990


  
 5 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06234000	 	BL06236380	 	BL06238550	 	BL06240520	 	BL06242030	 	BL06244340	 	BL06251450	 	BL06241420
	BL06234030	 	BL06236480	 	BL06238590	 	BL06240540	 	BL06242040	 	BL06244420	 	BL06251470	 	BL06242160
	BL06234090	 	BL06236510	 	BL06238600	 	BL06240670	 	BL06242050	 	BL06244450	 	BL06251480	 	BL06242260
	BL06234100	 	BL06236520	 	BL06238630	 	BL06240680	 	BL06242060	 	BL06244480	 	BL06252030	 	BL06242290
	BL06234190	 	BL06236630	 	BL06238640	 	BL06240730	 	BL06242070	 	BL06244500	 	BL06254450	 	BL06242370
	BL06234230	 	BL06236650	 	BL06238650	 	BL06240750	 	BL06242080	 	BL06244510	 	BL06254900	 	BL06242390
	BL06234250	 	BL06236710	 	BL06238680	 	BL06240770	 	BL06242180	 	BL06244530	 	BL06255210	 	BL06242530
	BL06234260	 	BL06236720	 	BL06238710	 	BL06240790	 	BL06242200	 	BL06244720	 	BL06327520	 	BL06242670
	BL06234270	 	BL06236730	 	BL06238750	 	BL06240800	 	BL06242210	 	BL06244790	 	BL06228430	 	BL06242780
	BL06234320	 	BL06236770	 	BL06238770	 	BL06240810	 	BL06242360	 	BL06244820	 	BL06231510	 	BL06243200
	BL06234330	 	BL06236820	 	BL06238790	 	BL06240850	 	BL06242400	 	BL06244880	 	BL06231680	 	BL06243210
	BL06234350	 	BL06236860	 	BL06238830	 	BL06240910	 	BL06242430	 	BL06244940	 	BL06231690	 	BL06243310
	BL06234380	 	BL06236870	 	BL06238870	 	BL06240920	 	BL06242470	 	BL06244950	 	BL06231900	 	BL06243340
	BL06234440	 	BL06236880	 	BL06238890	 	BL06240950	 	BL06242580	 	BL06245000	 	BL06232060	 	BL06243660
	BL06234520	 	BL06236900	 	BL06238920	 	BL06240970	 	BL06242590	 	BL06245030	 	BL06232620	 	BL06243680
	BL06234550	 	BL06236980	 	BL06238950	 	BL06241010	 	BL06242710	 	BL06245040	 	BL06232750	 	BL06243690
	BL06234560	 	BL06236990	 	BL06239060	 	BL06241070	 	BL06242730	 	BL06245060	 	BL06232870	 	BL06244580
	BL06234580	 	BL06237000	 	BL06239160	 	BL06241090	 	BL06242790	 	BL06245080	 	BL06233040	 	BL06244770
	BL06234590	 	BL06237020	 	BL06239200	 	BL06241110	 	BL06242800	 	BL06245100	 	BL06233280	 	BL06244810
	BL06234630	 	BL06237110	 	BL06239210	 	BL06241120	 	BL06242820	 	BL06245130	 	BL06233290	 	BL06245170
	BL06234650	 	BL06237130	 	BL06239230	 	BL06241130	 	BL06242860	 	BL06245220	 	BL06234150	 	BL06245230
	BL06234660	 	BL06237140	 	BL06239250	 	BL06241190	 	BL06242870	 	BL06245260	 	BL06234240	 	BL06245290
	BL06234820	 	BL06237150	 	BL06239310	 	BL06241200	 	BL06242880	 	BL06245450	 	BL06234370	 	BL06245320
	BL06234830	 	BL06237160	 	BL06239330	 	BL06241220	 	BL06242890	 	BL06245500	 	BL06234620	 	BL06245360
	BL06234850	 	BL06237170	 	BL06239350	 	BL06241230	 	BL06242900	 	BL06245540	 	BL06234760	 	BL06245370
	BL06234860	 	BL06237330	 	BL06239430	 	BL06241240	 	BL06242910	 	BL06245600	 	BL06234810	 	BL06245700
	BL06234880	 	BL06237450	 	BL06239440	 	BL06241260	 	BL06242920	 	BL06245610	 	BL06235040	 	BL06245750
	BL06234940	 	BL06237470	 	BL06239480	 	BL06241280	 	BL06242970	 	BL06245620	 	BL06235300	 	BL06245840
	BL06234960	 	BL06237490	 	BL06239510	 	BL06241300	 	BL06242990	 	BL06245670	 	BL06235410	 	BL06245880
	BL06235020	 	BL06237530	 	BL06239540	 	BL06241310	 	BL06243000	 	BL06245760	 	BL06235900	 	BL06245910
	BL06235100	 	BL06237540	 	BL06239660	 	BL06241330	 	BL06243020	 	BL06245920	 	BL06236020	 	BL06246010
	BL06235110	 	BL06237720	 	BL06239680	 	BL06241340	 	BL06243160	 	BL06245960	 	BL06236300	 	BL06246310
	BL06235130	 	BL06237730	 	BL06239770	 	BL06241360	 	BL06243170	 	BL06245970	 	BL06236370	 	BL06246330
	BL06235160	 	BL06237750	 	BL06239810	 	BL06241440	 	BL06243270	 	BL06246060	 	BL06236390	 	BL06246600
	BL06235190	 	BL06237800	 	BL06239820	 	BL06241450	 	BL06243280	 	BL06246070	 	BL06236420	 	BL06246650
	BL06235210	 	BL06237810	 	BL06239860	 	BL06241480	 	BL06243290	 	BL06246120	 	BL06236430	 	BL06246720
	BL06235240	 	BL06237820	 	BL06239870	 	BL06241490	 	BL06243370	 	BL06246250	 	BL06236540	 	BL06246820
	BL06235280	 	BL06237890	 	BL06239940	 	BL06241500	 	BL06243380	 	BL06246300	 	BL06236930	 	BL06246850
	BL06235310	 	BL06237900	 	BL06239950	 	BL06241520	 	BL06243390	 	BL06246360	 	BL06236950	 	BL06246960
	BL06235370	 	BL06237910	 	BL06239980	 	BL06241530	 	BL06243400	 	BL06246420	 	BL06237010	 	BL06247090
	BL06235400	 	BL06237950	 	BL06239990	 	BL06241540	 	BL06243450	 	BL06246430	 	BL06237250	 	BL06247110
	BL06235430	 	BL06237980	 	BL06240000	 	BL06241550	 	BL06243480	 	BL06246520	 	BL06237270	 	BL06247140
	BL06235520	 	BL06237990	 	BL06240100	 	BL06241590	 	BL06243490	 	BL06246540	 	BL06237580	 	BL06247200
	BL06235540	 	BL06238000	 	BL06240110	 	BL06241600	 	BL06243580	 	BL06246620	 	BL06238060	 	BL06247320
	BL06235620	 	BL06238010	 	BL06240140	 	BL06241660	 	BL06243610	 	BL06246640	 	BL06238070	 	BL06247400
	BL06235660	 	BL06238020	 	BL06240160	 	BL06241670	 	BL06243790	 	BL06246690	 	BL06238310	 	BL06247660
	BL06235710	 	BL06238030	 	BL06240170	 	BL06241700	 	BL06243840	 	BL06246700	 	BL06238670	 	BL06247750
	BL06235770	 	BL06238040	 	BL06240180	 	BL06241710	 	BL06243850	 	BL06246710	 	BL06238810	 	BL06247840
	BL06235790	 	BL06238180	 	BL06240190	 	BL06241720	 	BL06243880	 	BL06246880	 	BL06238930	 	BL06248040
	BL06235940	 	BL06238190	 	BL06240200	 	BL06241750	 	BL06243910	 	BL06246980	 	BL06239030	 	BL06248140
	BL06235950	 	BL06238200	 	BL06240230	 	BL06241770	 	BL06243940	 	BL06247210	 	BL06239270	 	BL06248210
	BL06235970	 	BL06238230	 	BL06240240	 	BL06241790	 	BL06244070	 	BL06247240	 	BL06239290	 	BL06248230
	BL06236060	 	BL06238260	 	BL06240250	 	BL06241840	 	BL06244090	 	BL06247250	 	BL06239410	 	BL06248490
	BL06236070	 	BL06238280	 	BL06240260	 	BL06241860	 	BL06244110	 	BL06247420	 	BL06239780	 	BL06248530
	BL06236090	 	BL06238320	 	BL06240270	 	BL06241890	 	BL06244120	 	BL06247430	 	BL06240090	 	BL06248540
	BL06236100	 	BL06238390	 	BL06240280	 	BL06241900	 	BL06244150	 	BL06247510	 	BL06240370	 	BL06248570
	BL06236170	 	BL06238410	 	BL06240300	 	BL06241910	 	BL06244200	 	BL06247570	 	BL06240590	 	BL06248640
	BL06236180	 	BL06238420	 	BL06240310	 	BL06241920	 	BL06244220	 	BL06247670	 	BL06240640	 	BL06248740
	BL06236200	 	BL06238430	 	BL06240350	 	BL06241930	 	BL06244250	 	BL06248160	 	BL06240720	 	BL06248810
	BL06236280	 	BL06238460	 	BL06240440	 	BL06241960	 	BL06244260	 	BL06248480	 	BL06240820	 	BL06248840
	BL06236290	 	BL06238510	 	BL06240450	 	BL06242000	 	BL06244280	 	BL06249480	 	BL06241150	 	BL06248860
	BL06236310	 	BL06238540	 	BL06240490	 	BL06242010	 	BL06244300	 	BL06251440	 	BL06241290	 	BL06248990


  
 6 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06249070	 	BL06252180	 	BL06254380	 	BL06258150	 	BL06261970	 	BL06269280	 	BL06273990	 	BL06279680
	BL06249120	 	BL06252210	 	BL06254410	 	BL06258160	 	BL06262080	 	BL06269350	 	BL06274060	 	BL06279690
	BL06249190	 	BL06252300	 	BL06254420	 	BL06258200	 	BL06262150	 	BL06269460	 	BL06274070	 	BL06279750
	BL06249220	 	BL06252330	 	BL06254580	 	BL06258220	 	BL06262190	 	BL06269560	 	BL06274080	 	BL06279760
	BL06249270	 	BL06252380	 	BL06254600	 	BL06258230	 	BL06262200	 	BL06269580	 	BL06274300	 	BL06280150
	BL06249340	 	BL06252400	 	BL06254720	 	BL06258240	 	BL06262240	 	BL06269660	 	BL06274500	 	BL06280180
	BL06249470	 	BL06252430	 	BL06254740	 	BL06258260	 	BL06262250	 	BL06269800	 	BL06274520	 	BL06280280
	BL06249540	 	BL06252440	 	BL06254750	 	BL06258270	 	BL06262280	 	BL06269820	 	BL06274530	 	BL06280290
	BL06249570	 	BL06252530	 	BL06254780	 	BL06258340	 	BL06262310	 	BL06269890	 	BL06274540	 	BL06280300
	BL06249610	 	BL06252550	 	BL06254800	 	BL06258350	 	BL06262590	 	BL06269990	 	BL06274560	 	BL06280390
	BL06249790	 	BL06252560	 	BL06254960	 	BL06258370	 	BL06262720	 	BL06270130	 	BL06274590	 	BL06280470
	BL06249890	 	BL06252570	 	BL06254970	 	BL06258410	 	BL06262750	 	BL06270210	 	BL06274680	 	BL06280660
	BL06249900	 	BL06252650	 	BL06254990	 	BL06258520	 	BL06262760	 	BL06270230	 	BL06274810	 	BL06280790
	BL06249980	 	BL06252670	 	BL06255000	 	BL06258570	 	BL06262840	 	BL06270280	 	BL06274820	 	BL06280990
	BL06249990	 	BL06252720	 	BL06255070	 	BL06258580	 	BL06262870	 	BL06270390	 	BL06275090	 	BL06281300
	BL06250020	 	BL06252730	 	BL06255120	 	BL06258600	 	BL06262920	 	BL06270420	 	BL06275160	 	BL06281360
	BL06250030	 	BL06252770	 	BL06255390	 	BL06258610	 	BL06263300	 	BL06270530	 	BL06275210	 	BL06281420
	BL06250220	 	BL06252820	 	BL06255480	 	BL06258650	 	BL06263380	 	BL06270680	 	BL06275360	 	BL06281900
	BL06250320	 	BL06252850	 	BL06255500	 	BL06258680	 	BL06263560	 	BL06270710	 	BL06275380	 	BL06281960
	BL06250350	 	BL06252870	 	BL06255530	 	BL06258690	 	BL06263570	 	BL06270740	 	BL06275500	 	BL06282020
	BL06250410	 	BL06252910	 	BL06255650	 	BL06258750	 	BL06263610	 	BL06270790	 	BL06275540	 	BL06282040
	BL06250430	 	BL06252940	 	BL06255660	 	BL06258830	 	BL06263660	 	BL06271030	 	BL06275620	 	BL06282150
	BL06250520	 	BL06252960	 	BL06255690	 	BL06258930	 	BL06263900	 	BL06271060	 	BL06275630	 	BL06282370
	BL06250550	 	BL06252970	 	BL06255730	 	BL06258960	 	BL06264030	 	BL06271110	 	BL06275670	 	BL06282720
	BL06250670	 	BL06252990	 	BL06255760	 	BL06259000	 	BL06264180	 	BL06271200	 	BL06275770	 	BL06282880
	BL06250700	 	BL06253130	 	BL06255790	 	BL06259050	 	BL06264190	 	BL06271320	 	BL06275800	 	BL06282890
	BL06250720	 	BL06253160	 	BL06255810	 	BL06259070	 	BL06264240	 	BL06271360	 	BL06275910	 	BL06282910
	BL06250770	 	BL06253170	 	BL06255820	 	BL06259110	 	BL06264270	 	BL06271370	 	BL06276200	 	BL06282960
	BL06250800	 	BL06253190	 	BL06255830	 	BL06259170	 	BL06264380	 	BL06271480	 	BL06276470	 	BL06283000
	BL06250810	 	BL06253200	 	BL06255960	 	BL06259180	 	BL06264490	 	BL06271600	 	BL06276480	 	BL06283090
	BL06250870	 	BL06253230	 	BL06256010	 	BL06259250	 	BL06264550	 	BL06271830	 	BL06276490	 	BL06283140
	BL06250880	 	BL06253240	 	BL06256030	 	BL06259270	 	BL06265410	 	BL06272010	 	BL06276500	 	BL06283220
	BL06250910	 	BL06253440	 	BL06256060	 	BL06259290	 	BL06265650	 	BL06272020	 	BL06276680	 	BL06283320
	BL06250920	 	BL06253490	 	BL06256110	 	BL06259440	 	BL06266280	 	BL06272060	 	BL06276730	 	BL06283490
	BL06250940	 	BL06253510	 	BL06256190	 	BL06259770	 	BL06266290	 	BL06272090	 	BL06276750	 	BL06283630
	BL06250980	 	BL06253590	 	BL06256260	 	BL06260030	 	BL06266480	 	BL06272160	 	BL06276780	 	BL06283660
	BL06251030	 	BL06253600	 	BL06256270	 	BL06260130	 	BL06266630	 	BL06272170	 	BL06276830	 	BL06283720
	BL06251040	 	BL06253630	 	BL06256280	 	BL06260290	 	BL06266840	 	BL06272190	 	BL06276840	 	BL06283760
	BL06251050	 	BL06253660	 	BL06256430	 	BL06260320	 	BL06266990	 	BL06272390	 	BL06276850	 	BL06283970
	BL06251100	 	BL06253690	 	BL06256530	 	BL06260330	 	BL06267280	 	BL06272400	 	BL06277140	 	BL06283980
	BL06251130	 	BL06253720	 	BL06256640	 	BL06260440	 	BL06267320	 	BL06272750	 	BL06277360	 	BL06284070
	BL06251170	 	BL06253730	 	BL06256650	 	BL06260500	 	BL06267440	 	BL06272760	 	BL06277530	 	BL06284180
	BL06251210	 	BL06253740	 	BL06256780	 	BL06260540	 	BL06267500	 	BL06272770	 	BL06277550	 	BL06284270
	BL06251250	 	BL06253750	 	BL06256790	 	BL06260560	 	BL06267900	 	BL06272780	 	BL06277580	 	BL06284490
	BL06251260	 	BL06253760	 	BL06256820	 	BL06260630	 	BL06267920	 	BL06272820	 	BL06277660	 	BL06284550
	BL06251290	 	BL06253770	 	BL06256830	 	BL06260640	 	BL06267950	 	BL06272870	 	BL06277670	 	BL06284560
	BL06251310	 	BL06253880	 	BL06256860	 	BL06260660	 	BL06267980	 	BL06272900	 	BL06277730	 	BL06284810
	BL06251410	 	BL06253940	 	BL06256880	 	BL06260750	 	BL06268220	 	BL06272910	 	BL06277900	 	BL06284900
	BL06251430	 	BL06253960	 	BL06256920	 	BL06260810	 	BL06268230	 	BL06273070	 	BL06278030	 	BL06284930
	BL06251540	 	BL06254030	 	BL06256950	 	BL06260820	 	BL06268250	 	BL06273180	 	BL06278190	 	BL06285040
	BL06251720	 	BL06254100	 	BL06257060	 	BL06260840	 	BL06268290	 	BL06273480	 	BL06278200	 	BL06285050
	BL06251740	 	BL06254110	 	BL06257120	 	BL06260850	 	BL06268310	 	BL06273600	 	BL06278350	 	BL06285270
	BL06251770	 	BL06254120	 	BL06257160	 	BL06260960	 	BL06268630	 	BL06273630	 	BL06278440	 	BL06285290
	BL06251800	 	BL06254130	 	BL06257270	 	BL06261040	 	BL06268650	 	BL06273660	 	BL06278540	 	BL06285480
	BL06251910	 	BL06254150	 	BL06257490	 	BL06261050	 	BL06268660	 	BL06273670	 	BL06278900	 	BL06285640
	BL06251950	 	BL06254160	 	BL06257500	 	BL06261120	 	BL06268810	 	BL06273680	 	BL06279130	 	BL06285680
	BL06251980	 	BL06254200	 	BL06257590	 	BL06261130	 	BL06268870	 	BL06273690	 	BL06279290	 	BL06285700
	BL06252060	 	BL06254240	 	BL06257610	 	BL06261140	 	BL06268930	 	BL06273700	 	BL06279410	 	BL06285910
	BL06252100	 	BL06254290	 	BL06257700	 	BL06261150	 	BL06268940	 	BL06273720	 	BL06279490	 	BL06285920
	BL06252110	 	BL06254340	 	BL06257850	 	BL06261200	 	BL06269000	 	BL06273730	 	BL06279570	 	BL06286030
	BL06252130	 	BL06254350	 	BL06258060	 	BL06261230	 	BL06269040	 	BL06273800	 	BL06279620	 	BL06286040
	BL06252140	 	BL06254370	 	BL06258100	 	BL06261470	 	BL06269130	 	BL06273840	 	BL06279640	 	BL06286260


  
 7 









 ALACNY Policy Listings — 2010-12 Block AXXX 

 


															
	BL06286630	 	BL06292700	 	BL06222290	 	BL06230670	 	                     	 	                     	 	                     	 	                     
	BL06286770	 	BL06292860	 	BL06223100	 	BL06230770	 		 		 		 	
	BL06286930	 	BL06293040	 	BL06223110	 	BL06230820	 		 		 		 	
	BL06286980	 	BL06293790	 	BL06223170	 	BL06230830	 		 		 		 	
	BL06287210	 	BL06293900	 	BL06223190	 	BL06231100	 		 		 		 	
	BL06287300	 	BL06295070	 	BL06223200	 	BL06231360	 		 		 		 	
	BL06287320	 	BL06237050	 	BL06223220	 	BL06231490	 		 		 		 	
	BL06287380	 	BL06244440	 	BL06223520	 	BL06231500	 		 		 		 	
	BL06287410	 	BL06263410	 	BL06223800	 	BL06231520	 		 		 		 	
	BL06287580	 	BL06263480	 	BL06224320	 	BL06231540	 		 		 		 	
	BL06287890	 	BL06287150	 	BL06224340	 	BL06231780	 		 		 		 	
	BL06288050	 	BL06239360	 	BL06224520	 	BL06232480	 		 		 		 	
	BL06288440	 	BL06263270	 	BL06224540	 	BL06232840	 		 		 		 	
	BL06288570	 	BL06264360	 	BL06224620	 	BL06233390	 		 		 		 	
	BL06288610	 	BL06291590	 	BL06224720	 	BL06234050	 		 		 		 	
	BL06288670	 	BL06184470	 	BL06224730	 	BL06234500	 		 		 		 	
	BL06289150	 	BL06198250	 	BL06224740	 	BL06234740	 		 		 		 	
	BL06289200	 	BL06202430	 	BL06224770	 	BL06235220	 		 		 		 	
	BL06289220	 	BL06202450	 	BL06224820	 	BL06235780	 		 		 		 	
	BL06289230	 	BL06205830	 	BL06224950	 	BL06236940	 		 		 		 	
	BL06289300	 	BL06207380	 	BL06225060	 	BL06238380	 		 		 		 	
	BL06289390	 	BL06208460	 	BL06225090	 	BL06239460	 		 		 		 	
	BL06289400	 	BL06214100	 	BL06225200	 	BL06239490	 		 		 		 	
	BL06289470	 	BL06214730	 	BL06225210	 	BL06239610	 		 		 		 	
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	BL06289630	 	BL06216010	 	BL06225830	 	BL06243620	 		 		 		 	
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	BL06290620	 	BL06218350	 	BL06226970	 	BL06184790	 		 		 		 	
	BL06290630	 	BL06218470	 	BL06227280	 	BL06205720	 		 		 		 	
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	BL06290900	 	BL06219190	 	BL06227790	 	BL06218370	 		 		 		 	
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	BL06291100	 	BL06219310	 	BL06227970	 	BL06220880	 		 		 		 	
	BL06291200	 	BL06219360	 	BL06228040	 	BL06221250	 		 		 		 	
	BL06291270	 	BL06219940	 	BL06228050	 	BL06222470	 		 		 		 	
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	BL06291470	 	BL06220440	 	BL06228410	 	BL06224870	 		 		 		 	
	BL06291610	 	BL06220870	 	BL06228700	 	BL06227410	 		 		 		 	
	BL06291660	 	BL06220980	 	BL06228840	 	BL06229980	 		 		 		 	
	BL06291680	 	BL06221160	 	BL06228880	 	BL06231110	 		 		 		 	
	BL06291710	 	BL06221420	 	BL06228910	 	BL06247680	 		 		 		 	
	BL06291850	 	BL06221440	 	BL06229000	 	BL06247870	 		 		 		 	
	BL06292160	 	BL06221450	 	BL06229500	 		 		 		 		 	
	BL06292170	 	BL06221630	 	BL06229600	 		 		 		 		 	
	BL06292260	 	BL06221980	 	BL06229690	 		 		 		 		 	
	BL06292370	 	BL06222010	 	BL06229880	 		 		 		 		 	
	BL06292620	 	BL06222020	 	BL06230240	 		 		 		 		 	
	BL06292630	 	BL06222220	 	BL06230340	 		 		 		 		 	
	BL06292650	 	BL06222260	 	BL06230570	 		 		 		 		 	


  
 8 









															
		 		 	ALACNY Policy Listings — 2010-12 Block XXX	 		 	
								
	BL06183350	 	BL06221710	 	BL06231990	 	BL06243250	 	BL06251370	 	BL06258050	 	BL06266020	 	BL06274030
	BL06184330	 	BL06221770	 	BL06232070	 	BL06243540	 	BL06251510	 	BL06258070	 	BL06266030	 	BL06274210
	BL06189920	 	BL06221780	 	BL06232180	 	BL06243550	 	BL06251560	 	BL06258130	 	BL06266220	 	BL06274330
	BL06196670	 	BL06221790	 	BL06232300	 	BL06243560	 	BL06251570	 	BL06258140	 	BL06266230	 	BL06274960
	BL06197080	 	BL06221800	 	BL06232460	 	BL06243600	 	BL06251580	 	BL06258320	 	BL06266640	 	BL06274970
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	BL06199930	 	BL06222100	 	BL06232670	 	BL06243970	 	BL06251630	 	BL06258460	 	BL06266690	 	BL06275220
	BL06201790	 	BL06222120	 	BL06232680	 	BL06244310	 	BL06251660	 	BL06258490	 	BL06266780	 	BL06275760
	BL06205750	 	BL06222130	 	BL06233050	 	BL06244320	 	BL06251830	 	BL06258780	 	BL06266890	 	BL06275780
	BL06206110	 	BL06222150	 	BL06233430	 	BL06244350	 	BL06251850	 	BL06258870	 	BL06266950	 	BL06275790
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	BL06208770	 	BL06224530	 	BL06236220	 	BL06245850	 	BL06254660	 	BL06260490	 	BL06268880	 	BL06277120
	BL06214810	 	BL06224550	 	BL06236410	 	BL06245890	 	BL06254670	 	BL06261590	 	BL06268900	 	BL06277540
	BL06214860	 	BL06224690	 	BL06236530	 	BL06246040	 	BL06254770	 	BL06261600	 	BL06268970	 	BL06277560
	BL06214870	 	BL06225140	 	BL06236570	 	BL06246190	 	BL06254790	 	BL06261640	 	BL06269160	 	BL06277600
	BL06215320	 	BL06225160	 	BL06236600	 	BL06246200	 	BL06254810	 	BL06261650	 	BL06269300	 	BL06277690
	BL06215400	 	BL06225520	 	BL06236680	 	BL06246440	 	BL06255010	 	BL06261730	 	BL06269360	 	BL06277850
	BL06216560	 	BL06225700	 	BL06236890	 	BL06246450	 	BL06255020	 	BL06261850	 	BL06269530	 	BL06278060
	BL06216690	 	BL06225800	 	BL06237060	 	BL06246750	 	BL06255380	 	BL06261920	 	BL06269710	 	BL06278150
	BL06217490	 	BL06226090	 	BL06237070	 	BL06246860	 	BL06255440	 	BL06262020	 	BL06269760	 	BL06278210
	BL06217770	 	BL06226310	 	BL06237080	 	BL06247170	 	BL06255450	 	BL06262300	 	BL06269910	 	BL06278250
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	BL06218010	 	BL06227330	 	BL06237340	 	BL06247780	 	BL06255470	 	BL06262420	 	BL06270030	 	BL06278370
	BL06218020	 	BL06227490	 	BL06237410	 	BL06248250	 	BL06255640	 	BL06262690	 	BL06270150	 	BL06278380
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 1 









 ALACNY Policy Listings — 2010-12 Block XXX 

 


															
	BL06282110	 	BL06291540	 	BL06300850	 	BL06311000	 	BL06321020	 		 		 	
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	BL06291520	 	BL06300800	 	BL06310870	 	BL06320960	 		 		 		 	


  
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