GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT
    ARTICLE I. GENERAL PROVISIONS
   A)
    
    For risks reinsured under this Agreement, the Insurer will use only those policy forms which
have been approved by the appropriate regulatory authorities. After the Reinsurer has reviewed
and approved copies of these forms, and insurance policies have been accepted by the
Policyholder and administered in accordance with the terms of this Agreement, the Reinsurer
will be liable to the Insurer for the Reinsured Percentage in accordance with the provisions
of the policies reinsured.B)
    
    The Insurer, by executing this Agreement, represents that it is licensed to do insurance
business in every state, district or territory of the United States, or the District of
Columbia, in which it does business; and that it is licensed to write the group health and
disability insurance policies which are the subject of this Agreement.




---



##### 



C)
    
    This Agreement represents an exclusive reinsurance arrangement between the parties
for short term disability business. All business quoted using rates provided by the
Reinsurer shall be reinsured under this Agreement. In the event the Reinsurer declines to
accept any policy, the Insurer may reinsure such policy with another reinsurer.D)
    
    Upon agreement of risk and benefits between Reinsurer and Insurer, any increase in benefit
liability resulting from Insurers divergence from same shall be borne by the Insurer. The
Reinsurer does not assume liability for any risk not agreed upon and which is incurred as a
result of errors, intentional or otherwise, in the policy and/or certificate issued:
 ARTICLE II. UNDERWRITING
 A)
    
    Any reinsurance under this Agreement will be effected only through the express written
consent of the Reinsurer for each case submitted under any disability insurance policy covered
by this Agreement. The Insurer will submit underwriting data to the Reinsurer and the
Reinsurer will inform the Insurer of its decision to accept or reject liability. The Reinsurer
will make available to the Insurer the underwriting data prepared and used in making its
determination. The reinsurer agrees to reinsure all policies in force
on January 1, 1999,
without regard to any policy underwriting.The Reinsurer has the right to approve individuals insured under any policy as a condition
of its acceptance of that policy. The Reinsurer may waive this right for some or all
policies at any time.B)
    
    The Reinsurer shall keep and maintain appropriate records of evidence of insurability,
including but not limited to the policy, applications, certificates of coverage, medical
forms, and other evidence of insurability, for at least three (3) years. Upon termination of
this Agreement, the Reinsurer will retain and Insurer shall have access to such information
for the later of three (3) years from termination date or the date the last active claim
ceases.C)
    
    Either the Insurer or the Reinsurer may, at any reasonable time during normal working hours
of the Insurer and upon provision of written notice fourteen (14) days in advance, review and
audit the records of the other party relating to business reinsured under this Agreement.
 2




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##### 



ARTICLE III. FINANCIAL RESPONSIBILITIES AND TRANSACTIONS
 A)
    
    The Insurer shall remit premium for reinsured group short term disability policies to the
Reinsurer by the tenth (10th) of each month. The monthly report provided will contain all of
the cash activity reported to the Insurer in the previous month in addition to information
mutually agreed to by the Insurer and the Reinsurer.The Insurer will follow all prudent procedures for premium collection and will notify the
Reinsurer of all reinsured policies for which premium is overdue by thirty (30) days of the
due date. The Reinsurer may assess an interest charge equal to the interpolated seven (7) year
value of five (5) year and ten (10) year United States Treasury Bonds on premium overdue by
more than thirty (30) days.If the premium payment period for any policy comprising the Underlying Risk is other than
monthly, the parties to this Agreement shall determine, by mutual consent, the proper method
of reporting, accounting, and transferring of balances.For past due premiums on all reinsured policies for which premiums remain due and unpaid for
thirty (30) days following their due date, the Insurer shall take appropriate action to
terminate all prospective liability in accordance with the policy provisions and shall
institute its usual collection procedures. If the Insurer fails to take appropriate action to
terminate all prospective liability, the Reinsurer reserves the right to terminate
reinsurance of such ceded policies for which premiums remain unpaid for thirty (30) days past
their due date.B)
    
    For any business sold under this Agreement, the Reinsurer will specify the percentage of
premium to be paid to it for reinsurance of each policy at the time Reinsurer accepts
liability under the terms of the Underwriting Article of this Agreement.C)
    
    The liability of the Reinsurer shall begin simultaneously with the Reinsurers acceptance of
reinsurance for a short term disability insurance policy, subject to the terms of this
Agreement.D)
    
    The Insurer is responsible for paying all premium taxes concerning any business covered by
this AgreementE)
    
    Upon provision of written notice fourteen (14) days in advance, each party shall have the
right, at any reasonable time during normal working hours, to inspect, at the office of the
other party, all non-proprietary, non-confidential and non-privileged books, records and
documents relating to policies reinsured under this Agreement.
 3




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##### 



F)
    
    If the Insurer fails to pay the consideration described in this Article, the Reinsurer
shall have the right to terminate, from the date up to which the policy premiums have been
paid, its obligation for that portion of the Underlying Risk for which consideration is in
arrears.G)
    
    The Reinsurer will be bound by the consideration it specifies for a particular policy.
However, on any date that the Insurer has the right to terminate a policy or change the
premium for said policy, the Reinsurer may, with sixty (60) days advance notice, modify the
rate of consideration or terminate reinsurance on the policy. The Insurer shall then be bound
by the modification.H)
    
    Reinstatement of the reinsurance on ceded policies which have been terminated under any
provision of this Article shall be at the Reinsurers discretion.I)
    
    Each party to this Agreement shall have the right to offset
any balance(s), or any other amounts due relating to this or related agreements. In the event of the insolvency of a party
to this Agreement, offsets shall only be allowed in accordance with the Insolvency Article of
this Agreement.
 ARTICLE IV. CLAIMS
  A)
    
    All services will be performed in accordance with Appendix B, the Claims Management
Agreement. This Agreement includes administrative procedures particular to the claims
management process and includes, but is not limited to: Authorization to Pay Claims, Claim
Administration Guidelines, Claim Data; Payment of Benefits; Payment of Claim Expenses; Right
to Audit; and is mutually agreed to by the parties of this Agreement.
 4




---



##### 



B)
    
    The Reinsurer will undertake the defense of any suit, or portion of a suit, which is
based or alleged to be based on claims for benefits under group disability policies covered by
this Agreement where the claim is first commenced after the effective date of this Agreement,
and the underlying policy is effective on or after the effective date
of this Agreement. Except
as otherwise provided in this Agreement, choice of counsel and management of any such suit, or
portion of such suit, shall be agreed upon by the Insurer and the Reinsurer, which will have
the exclusive right to settle any such suit, when in its informed and good faith opinion, it
is appropriate to do so. The Insurer will cooperate with the Reinsurer in the defense of such
suits.C)
    
    The Insurer and the Reinsurer will notify each other promptly of any litigation brought
against it with respect to the policies covered by this Agreement are.D)
    
    Claims for Extra-Contractual Amounts. Extra-Contractual Amounts are amounts outside of
contractual benefits which may include, but are not necessarily limited to: punitive,
exemplary, compensatory or consequential damages or plaintiffs litigation-related costs and
fees.
 i)
    
    If extra-contractual amounts are awarded against the Insurer solely as a
result of the Reinsurers decision, action, delay or failure to act, the Reinsurer shall
pay one hundred percent (100%) of all such amounts.ii)
    
    If extra-contractual amounts are awarded against the Insurer solely as a
result of Insurers decision, action, delay, or failure to act, the Reinsurer shall have
no (0%) percentage of liability for the payment of extra-contractual amounts.iii)
    
    When extra-contractual amounts are awarded against the Insurer as a result of
both the Reinsurers and the Insurers decision, action, delay or failure to act, the
parties agree to share in the payment of any extra-contractual amounts.iv)
    
    To expedite the resolution of certain claims, amounts other than policy benefits
may be added to a claim settlement.Allocation of responsibility for decisions, actions, delays, or failures to act shall be
determined by the parties agreement subsequent to good faith negotiation. Said determination
is solely for the purpose of efficient administration of this Agreement and for determining
who shall assume the costs in certain instances. If agreement on such allocation cannot be
reached, the matter shall be addressed in accordance with the Arbitration Article of this
Agreement.If any portion of this subsection (D) is deemed to be illegal under any law (decisional or
statutory) or regulation of any Federal, State or local government, insofar as it applies to
that areas jurisdiction, then said portion is automatically terminated.
 5




---



##### 



E)
    
    The Reinsurer hereby agrees to provide claim management services for all group short
term disability claims of the Insurer with dates of disability prior to January 1, 1999. For an
initial payment of $230 per claim, and monthly payment of $75 per claim thereafter for the
duration of the claim, Reinsurer shall manage such claims in accordance with the practices and
procedures outlined in the Claims Service Agreement.The Insurer agrees to prefund an account for claim payments sufficient to cover STD payments.
The Insurer can prefund on a weekly basis. The Insurer will also pay a fee of $4,000 which will
be refunded if the reinsured profit margin exceeds 7% for 1999.F)
    
    The Reinsurer will deposit federal and/or state income tax as requested by the claimant. In
so doing, the Reinsurer does not act as the agent of the Insurer for IRS purposes. The
Reinsurer shall deposit employee FICA on short term disability benefits paid. The Reinsurer
will transfer the liability for the employer matching FICA and issuance of W-2 forms for short
term disability benefits paid back to the employer of the disabled employee.
 ARTICLE V. DURATION, RECAPTURE AND TERMINATION
 A)
    
    This Agreement shall govern the relationship of the parties until the liability of the
Reinsurer with respect to all policies reinsured hereunder ceases. In accordance with the
provisions of this Article, this Agreement can be terminated by either party with respect to
all prospective acceptances.Any partial or complete prospective termination of this Agreement must be made in writing
prior to October 1st of each year. Termination shall occur on the desired effective date of
termination or ninety days from receipt of notice, whichever is later.B)
    
    After this Agreement has been inforce for one (1) year from the effective date, the
Insurer may increase or decrease the Reinsured Percentage. The following schedule is the
minimum Reinsured Percentage for each disability policy in effect at the anniversary date of
this Agreement.
 Year 1 following notification
    
    
    75
    %Year 2 Following notification
    
    
    75
    %Year 3 following notification and thereafter
    
    
    50
    %
 
 6




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##### 



C)
    
    The Reinsured Percentage governing any particular claim under a reinsured policy will be
that Reinsured Percentage in effect as of the date of disability.D)
    
    As of the date termination becomes effective Reinsurer will provide Insurer only with those
necessary claims and financial services required to manage any reinsured business.E)
    
    If Insurer becomes insolvent, as determined by the state regulatory agency, this
Agreement will terminate automatically as of the date of insolvency as to all prospective
acceptances by the Reinsurer. Liabilities already incurred by the Reinsurer will be
administered in accordance with the Insolvency Article of this Agreement.
 ARTICLE
VI. NON-TRANSFERABILITY OF AGREEMENT
  ARTICLE VII. PARTIES TO THIS AGREEMENT
 A)
    
    This is an agreement solely between the Insurer and the Reinsurer. The acceptance
of reinsurance hereunder shall not create any right or legal relation whatever between
the Reinsurer and any of Insurers policyholders, beneficiaries, representatives, sales
representatives, employees or shareholders.B)
    
    A failure or delay of either party to this Agreement to enforce any of the provisions of this
Agreement, or to exercise any option which is herein provided, shall in no way be construed to
be a waiver of such provision.
 7




---



##### 



ARTICLE VIII. CONFIDENTIALITY
 A)
    
    The Insurer and the Reinsurer may come into the possession or knowledge of confidential and
proprietary information of the other in fulfilling obligations under this Agreement. Insurer
and the Reinsurer agree to hold such confidential information 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 each of them or by any of their employees or associates to third parties
of any kind, except by advance authorization. Confidential information means any information
which (1) is not generally available to the public, or (2) has not been lawfully obtained by
the parties prior to the date of disclosure to it by the other, and includes but is not
limited to:
 i)
    
    Information or knowledge about each partys products, processes, services,
finances, customers, research, computer programs, marketing and business plans, claims
management practices, and reserving methodology; andii)
    
    Any medical and other personal, individually identifiable information about
people or business entities with whom the parties do business, including customers,
prospective customers, vendors, suppliers, individuals covered by insurance plans, and
each partys producers and employees.
 B)
    
    The Insurer and its agents, employees and representatives will not represent themselves, in
writing, as part of the Reinsurer, or refer, in writing, to the Reinsurer in any policy forms
or promotional materials, without the prior written consent of the Reinsurer.
 ARTICLE IX. INSOLVENCY
  8




---



##### 



ARTICLE X. ARBITRATION
 A)
    
    The parties explicitly agree that all differences, whether matters of fact, law or mixed
fact and law, which arise out of the interpretation or execution of this Agreement, will be
decided by arbitration except for those matters which are left to the sole discretion of the
Reinsurer or the Insurer under the terms of this Agreement. The parties explicitly agree that
arbitration shall be the sole and exclusive remedy for all such differences, and that the
arbitrators will determine the interpretation of this Agreement in accordance with the usual
business and reinsurance practices rather than strict technicalities. Three neutral
arbitrators will decide any differences. They must be active or retired officers of life
insurance companies other than the two parties to this Agreement or any of their subsidiaries.
In addition, the officers may not be former employees of the two parties to this Agreement or
any of their subsidiaries. One of the arbitrators is to be appointed by each party to this
Agreement, and the two arbitrators will select a third. If the two are not able to agree on a
third, the choice will be left to the President of the Society of Actuaries or its successor.
The arbitration shall be in accordance with the Commercial Arbitration Rules of the American
Arbitration Association, or its successor and will take place in Portland, Maine. This
Agreement shall be deemed binding upon the arbitrators for matters expressly agreed to herein.
The arbitrators decision shall be by majority vote, and no appeal shall be taken from it. The
judgment rendered by the arbitrators may be entered in any court having proper jurisdiction.
Expenses and fees for the arbitrators shall be shared by the Insurer and the Reinsurer in
equal portions.B)
    
    The arbitrators may award only contractual damages to either party. In no event may
extra-contractual damages, including amounts available under any state or federal Racketeer
Influenced and Corrupt Organization Act (RICO), be awarded to either party under this
Agreement for breach of said agreement. However, the arbitrators may allocate responsibility
for 1) any extra-contractual amounts awarded against the Insurer, or 2) any amounts
representing extra-contractual damages in a settlement, between the Insurer and the Reinsurer
as set forth in the Claims Article of this Agreement.C)
    
    The procedures specified in this Article shall be the sole and exclusive procedures for
the resolution of disputes between the parties arising out of or relating to this Agreement;
provided, however, that a party may seek a preliminary injunction or other preliminary
judicial relief if in its judgment such action is necessary to avoid irreparable damage.
Despite such action the parties will continue to participate in good faith in the procedures
specified in this Article. All applicable statutes of limitation shall be tolled while the
procedures specified in this Article are pending. The parties will take such action, if any,
required to effectuate such tolling.
 9




---



##### 



D)
    
    Notwithstanding any other provision of this Article, in the event that either party
seeks, consents to, or acquiesces in the appointment of, or otherwise becomes subject to, any
trustee, receiver, liquidator, or conservator (including any state insurance regulatory agency
acting in such a capacity), the other party shall not be obligated to resolve any claim,
dispute, or cause of action under this Agreement by arbitration and may elect to bring any
action with respect to such claim, dispute or cause of action in any court of competent
jurisdiction.
 ARTICLE XI. YEAR 2000 COMPLIANCE
  i)
    
    conducting an inventory and assessment of Year 2000 impacts to its
telecommunications and information systems, related software and hardware,
and its facilities (e.g., buildings and utilities);ii)
    
    conducting a review of the Year 2000 preparedness of its significant business
partners and suppliers;iii)
    
    correcting its Year 2000 problems and testing
and validating its conversion efforts, andiv)
    
    establishing contingency and avoidance plans.
  ARTICLE XII. ERRORS AND OMISSIONS
  10




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##### 



ARTICLE XIII. APPLICABLE LAW
  ARTICLE XIV. MODIFICATION
 A)
    
    This Agreement constitutes the entire understanding between the Reinsurer and the
Insurer. Neither party shall be bound by any other representation made before or after the
date of this Agreement, unless it is made in writing, signed by both parties and expresses
by its terms an intention to modify this Agreement.B)
    
    In the event that any one or more of the provisions of this Agreement shall, for any
reason, be held to be invalid, illegal or unenforceable, the remaining provisions of this
Agreement shall be unimpaired.
  DUNCANSON &
HOLT SERVICES,
    
    SAFECO LIFE INSURANCEINC.(Managing
Agent of Reinsurer)
    
    COMPANY(Insurer)By
/s/ Paul K.
Fields
    
    By
/s/ John P. FenlasonTitle
V P Finance
    
    Title Sn V. P.Date
8/30/99
    
    Date 11/4/99/s/
Sharon Newton
    

/s/
Joseph Allen WymichWitness
    
    Witness
 11




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##### 



APPENDIX A-20
 AGREEMENT YEAR 1999
   DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONAllianz Life Insurance Company of
North America
    
    
    30,000
    
    
    
    100.00
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100.00
    %
 12




---



##### 



Claims Management Agreement
Appendix B
 I. Claims Management Services
  II. Standard of Care
  III.
Licenses
  IV. Claims Administration Guidelines/Claims Data
  13




---



##### 



V. Payment of Claims/Authorization to Pay Claims
     14




---



##### 



VI. Claims Expenses
  VII. Right to Audit
   VIII. Information Relating to Fraudulent Claims
  IX. Responsibility of Reinsurer for Act of CSI
   15




---



##### 



DUNCANSON & HOLT SERVICES,
    SAFECO LIFE INSURANCEINC.(Managing Agent of Reinsurer)

    COMPANY(Insurer)By /s/ Paul K. Fields
    
    By /s/ John P. FenlasonTitle
V P Finance
    
    Title Sr. V.P.Date
8/30/99
    
    Date 11/4/99/s/ Sharon Newton
    
/s/
Joseph Allen WymichWitness
    
    Witness
 16




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##### 



AMENDMENT NO. 1
TO THE
GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT
   1.
    
    ARTICLE I. GENERAL PROVISIONS, Paragraph C is amended to
read as follows:
 C)
    
    All new business proposals which are quoted using rates
provided by the Reinsurer
shall be reinsured under this Agreement, except for new business proposals produced:
 i)
    
    by Meridian Benefits in the states of North Carolina, South Carolina and
Tennessee, orii)
    
    from distribution channels and opportunities brought to insurer by other reinsurance outlets, where discussions concerning such opportunities are not
initiated by the Insurer.
   2.
    
    ARTICLE III. FINANCIAL RESPONSIBILITIES AND  TRANSACTIONS, Section A), first two paragraphs
are amended to read as follows:The Insurer shall remit premium for reinsured group short term disability policies to the
Reinsurer within ninety (90) days from the date on which premium is
due to the Insurer.
 1




---



##### 



3.
    
    ARTICLE V. DURATION, RECAPTURE AND TERMINATION is amended to read as follows:
  A)
    
    Duration. This Agreement shall govern the relationship of the parties until the
liability of the Reinsurer with respect to all policies reinsured under this Agreement
ceases.Insurer agrees to continue an ongoing active relationship
with the Reinsurer for an initial
period ending December 31, 2007.B)
    
    Termination.
 (i)
    
    Without Cause, Subject to Section A in this Article VI, either party may
terminate this Agreement with respect to all prospective acceptances,
at any time by
providing ninety (90) days prior written notice to the other party.(ii)
    
    Insurer Insolvency. If Insurer becomes insolvent as determined by one or
more state regulatory agencies, this Agreement will terminate automatically as of the
date of insolvency as to all prospective acceptances. Liabilities already incurred by
the Reinsurer will be administered in accordance with the Insolvency Article of this
Agreement.(iii)
    
    Immediate Termination Rights Notwithstanding the above, Insurer may terminate
this Agreement upon the occurrence of any of the following at any time by the giving
of fifteen (15) days prior written notice to the Managing Agent:
 a)
    
    Either ADRUS or the Managing Agent ceases active underwriting operations;b)
    
    A State Insurance Department or other regulatory authority
orders ADRUS, or any then-participating member of ADRUS, to cease writing business;c)
    
    ADRUS, any then-participating member of ADRUS, or the Managing
Agent: 1) becomes insolvent, 2) is placed into liquidation or receivership,
or 3) has instituted against it proceedings for the appointment of a supervisor,
receiver, liquidator, rehabilitator, conservator or trustee in
bankruptcy, or other agent known by whatever name, to take possession of its assets or control
of its operations;
 2




---



##### 



d)
    
    ADRUS or the Managing Agent enters into a definitive written agreement to
directly or indirectly assign its interests in this Agreement and liability for
obligations under this Agreement to another party without the insurer prior
written consent;e)
    
    The Managing Agent has entered into a definitive agreement to
sell, substantially all of its assets without the Insurers prior written
consent; orf)
    
    ADRUS or the Managing Agent, has engaged in any of the following: 1)
a pattern or practice of failure by ADRUS or the Managing Agent to pay claims on a
timely basis, 2) a pattern or practice of failure by ADRUS or the Managing Agent
to abide by applicable federal or state laws, 3) a pattern or practice of acts of
bad faith conduct by ADRUS or the Managing Agent, or 4) a pattern or practice of
committing acts of negligent behavior by ADRUS or the Managing Agent, in
discharging the Reinsurers duties under this Agreement.
 C)
    
    Recapture.If the insurer terminates the Agreement effective on January 1, 2008 or some other date in
2008, the recapture period shall be three (3) years from the effective date of such
termination.If the Insurer terminates the Agreement effective on or after January 1, 2009, the
recapture period shall be two (2) years from the effective date of such termination.Recapture through any means will include 100% of the risk for the policies unless other
terms are agreed to by the Insurer and Reinsurer.D)
    
    The Reinsured Percentage governing any claim under a reinsured policy will be
that Reinsured Percentage in effect as of the date of disability.E)
    
    As of the date termination of the Agreement becomes effective, Reinsurer will provide
Insurer only with those necessary claim and financial services
required to manage any
reinsured business Upon termination, Reinsurer will utilize renewal methods, tools and
procedures which are consistent with those in use for renewals generally within Reinsurers
overall block of business at the time Insurers policies are
being renewed.
 4.
    
    The Agreement is amended by the addition of the following
Article, which is applicable to ADRUS members for all ADRUS
agreement years effective on or after July 1, 2006.
 ARTICLE XV. COLLATERAL REQUIREMENTS
  3




---



##### 



CUSTOM DISABILITY SOLUTIONS.
    
    SYMETRA LIFE INSURANCE COMPANYManaging Agent of ReinsurerBy:     /s/ Paul K. Fields
    
    By:     /s/ Michael FryName:    Paul K. Fields
    
    Name:      Michael FryTitle:      CFO
    
    Titles:      VPDate:      8/16/2006
    
    Date:     8/17/2006
 4




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##### 



AMENDMENT NO. 2
TO THE
GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT
    APPENDIX A
 AGREEMENT YEAR 1999
 January 1,1999 to December 31,1999
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER[S]
    
    PARTICIPATION
    PARTICIPATIONUNUM Life Insurance Company of
America
    
    $
    30,000
    
    
    
    100
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100
    %
 1




---



##### 



CUSTOM DISABILITY SOLUTIONS,Managing Agent of Reinsurer
    
    SYMETRA LIFE INSURANCE COMPANYBy:
    
    /s/ Paul K. Fields
    
    By:
    
    /s/ David C. FryName:
    
    Paul K. Field
    
    Name:
    
    David C. FryCFO
    
    Title:
    
    Senior Actuary & AVP12/7/2006
    
    Date:
    
    12/8/2006
 2




---



##### 



APPENDIX A-l
 AGREEMENT YEAR 2000
 January 1, 2000 to December 31, 2000
  DOLLAR
    
    PERCENTAGEMEMBER
REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company
of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL
AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 1




---



##### 



APPENDIX A-2
 AGREEMENT YEAR 2001
 January 1, 2001 to December 31, 2001
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life Insurance
Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 2




---



##### 



APPENDIX A-3
 AGREEMENT YEAR 2002
 January 1, 2002 to December 31, 2002
  DOLLAR
    
    PERCENTAGEMEMBER
REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life Insurance
Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 3




---



##### 



APPENDIX A-4
 AGREEMENT YEAR 2003
 January 1, 2003 to December 31, 2003
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of
America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 4




---



##### 



APPENDIX A-5
 AGREEMENT YEAR 2004
 January 1, 2004 to December 31, 2004
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of
America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 5




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##### 



APPENDIX A-6
 AGREEMENT YEAR 2005
 January 1, 2005 to December 31, 2005
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life Insurance
Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 6




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##### 



APPENDIX A-7
 AGREEMENT YEAR 2006
 January 1, 2006 to December 31, 2006
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 7




---



##### 



APPENDIX A-8
 AGREEMENT YEAR 2007
 January 1, 2007 to December 31, 2007
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 8




---



##### 



APPENDIX A-9
 AGREEMENT YEAR 2008
 January 1, 2008 to December 31, 2008
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 9




---



##### 



APPENDIX A-10
 AGREEMENT YEAR 2009
 January 1, 2009 to December 31, 2009
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 10




---



##### 



APPENDIX A-11
 AGREEMENT YEAR 2010
   Dollar
    
    
    PercentageReinsurer
    
    Participation
    
    
    ParticipationReliance Standard Life Insurance Company
    
    $
    30,000
    
    
    
    100
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100
    %
 11