# EDGAR Filing Document

**Accession Number:** 0002041358
**File Stem:** 0001193125-25-189869
**Filing Date:** 2025-8
**Character Count:** 1665864
**Document Hash:** dcaa53219488228a8a0e30de4de266e6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-189869.hdr.sgml**: 20250827

**ACCESSION NUMBER**: 0001193125-25-189869

**CONFORMED SUBMISSION TYPE**: N-4/A

**PUBLIC DOCUMENT COUNT**: 70

**CONFORMED PERIOD OF REPORT**: 20250902

**FILED AS OF DATE**: 20250827

**DATE AS OF CHANGE**: 20250827

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** USL Separate Account RS
- **CENTRAL INDEX KEY:** 0002041358

**ORGANIZATION NAME:**
- **EIN:** 135459480
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-4/A
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-24014
- **FILM NUMBER:** 251266471

**BUSINESS ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 2125515440

**MAIL ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** USL Separate Account RS
- **CENTRAL INDEX KEY:** 0002041358

**ORGANIZATION NAME:**
- **EIN:** 135459480
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-4/A
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-283470
- **FILM NUMBER:** 251266470

**BUSINESS ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 2125515440

**MAIL ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

## Series and Classes Contracts Data

### USL Separate Account RS (Series ID: S000090299)

| Class ID   | Class Name               | Ticker Symbol   |
|:---|:---|:---|
| C000257296 | Portfolio Director NY SP |  |

?xml version='1.0' encoding='ASCII'? N-4/A

**File Nos. 333-283470**

**811-24014**

------

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

------

**Form N-4**

**REGISTRATION STATEMENT**

**UNDER**

**THE SECURITIES ACT OF 1933** 

Pre-Effective Amendment No. 1 [X] <br> Post-Effective Amendment No. []

and/or

**REGISTRATION STATEMENT**

**UNDER**

**THE INVESTMENT COMPANY ACT OF 1940** 

Amendment No. 6 [X]

**(Check Appropriate Box or Boxes)**

------

**USL Separate Account RS** 

*(Exact Name of Registrant)*

**THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK**

*(Name of Depositor)*

**1133 Avenue of the Americas, 33rd Floor, New York, NY 10036** 

*(Address of Depositor's Principal Offices) (Zip Code)*

**Depositor's Telephone Number, including Area Code: (713) 831-3575**

**Johnpaul S. Van Maele**

**The United States Life Insurance Company in the City of New York**

**2919 Allen Parkway, Houston, Texas 77019**

*(Name and Address of Agent for Service for Depositor, Registrant and Guarantor)* 

Approximate Date of Proposed Public Offering: As soon as practicable after effective date of the Registration Statement

It is proposed that this filing will become effective:

☐ immediately upon filing pursuant to paragraph (b) of Rule 485

☐ on pursuant to paragraph (b) of Rule 485

☐ 60 days after filing pursuant to paragraph (a)(1) of Rule 485

☐ on (date) pursuant to paragraph (a)(1) of Rule 485.

If appropriate, check the following box:

☐ This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Check each box that appropriately characterizes the Registrant:

☒ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

☐ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act"))

☐ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act

☐ Insurance Company relying on Rule 12h-7 under the Exchange Act

☐ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective

------

date until the Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the Registration Statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

*Title of Securities Being Registered:* Units of interest in USL Separate Account RS of The United States Life Insurance Company in the City of New York under variable annuity contracts.

------

**The United States Life Insurance Company in the City of New York**

**USL Separate Account RS**

**Units of Interest Under Group Variable Deferred Annuity Contracts With Fixed Funding**

**Portfolio Director**<sup>®</sup> **NY SP**

**For Series 11.80**

September 2, 2025

**Prospectus** 

The United States Life Insurance Company in the City of New York ("USL" or the "Company") offers certain series of Portfolio Director NY SP ("Portfolio Director") comprising group variable deferred annuity contracts for Participants who receive certificates or contracts in certain employer-sponsored qualified retirement plans (the "Contracts"). The Contracts permit Participants to invest in and receive retirement benefits in one or more Fixed Account Options and/or an array of Variable Investment Options described in this prospectus. Your employer's retirement program will describe which Variable Investment Options are available to you. A Contract that is a tax-deferred annuity that is part of your employer's retirement plan may have Variable Investment Options that are invested in Mutual Funds available to the public. Please see Appendix A of this prospectus for more information about the Variable Investment Options available within this Contract.

The Contract may be used where you have engaged an Investment Adviser to provide investment advice regarding the periodic allocation of investments within the Contract. We call this an "Advisory Program." We require that the investment adviser be our affiliate VALIC Financial Advisors ("VFA"), Inc., a registered investment adviser. VFA will charge a fee for such services, and any fee is in addition to the Contract's fees and expenses. Advisory Program fees deducted from the Contract may reduce the death benefit and annuity benefits, and may be subject to surrender charges, federal and state income taxes, and a 10% federal penalty tax*.* 

Any guarantees under the Contract, including the death benefit, that exceed the value of your interest in USL Separate Account RS (the "Separate Account") are paid from our General Account, which is the Company's account and includes any amounts you allocate to the Fixed Account Options including any interest credited thereon. Therefore, any amounts that we may pay under the Contract in excess of your interest in the Separate Account are subject to our financial strength, claims-paying ability, and our long-term ability to make such payments.

**This prospectus provides information employers and Participants should know before investing in the Contracts and will help each make decisions for selecting various investment options and benefits. Please read and retain this prospectus for future reference.** 

The owner of a group Contract (i.e., an employer purchasing the Contract for a retirement plan) may cancel a newly purchased Contract within 20 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply. The right of cancellation under this Contract does not apply to Participants in a group plan except in a limited number of states.

**USL may limit, refuse to accept, or cease accepting Purchase Payments in the Contract or in a Fixed Account Option with advance notice. This means that you would no longer be able to increase your Contract value, death benefit, or any living benefits through Purchase Payments. See "*Variable Investment Options and Fixed Account Options*" below.**

**The Contract is a complex investment and involves risks that may cause the value of the Contract Owner's investment to fluctuate, including a potential loss of principal. When the Contracts are surrendered, the value may be higher or lower than the Purchase Payments. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.** 

**The Securities and Exchange Commission ("SEC") has not approved or disapproved these securities or passed upon the adequacy or accuracy of this Prospectus. Any representation to the contrary is a criminal offense.** 

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov.

------

**Table of Contents**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
|  | **Page** |
| **[Glossary of Terms](#xx_816466b6-4968-4929-a42c-f4b533fd822b_1)** | 4  |
| **[Important Information You Should Consider About the](#xx_5398314f-40fd-47dd-a4ef-1438d0750915_1)**<br> **[Contract](#xx_5398314f-40fd-47dd-a4ef-1438d0750915_1)**<br>| 5  |
| **[Overview of the Contract](#xx_8e95ee10-6675-4e0c-a88e-a4602bcbe3a4_1)** | 8  |
| [Purpose of the Contract](#xx_8e95ee10-6675-4e0c-a88e-a4602bcbe3a4_1) | 8  |
| [Phases of the Contract](#xx_8e95ee10-6675-4e0c-a88e-a4602bcbe3a4_1) | 8  |
| [Contract Features](#xx_8e95ee10-6675-4e0c-a88e-a4602bcbe3a4_1) | 8  |
| **[Fee Tables](#xx_739ecbbb-ee7b-4f04-88ec-c45c6e198eba_1)** | 10  |
| **[Principal Risks of Investing in the Contract](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_1)** | 12  |
| **[General Information](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_2)** | 13  |
| [About the Contracts](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_2) | 13  |
| [About USL](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_2) | 13  |
| [About USL Separate Account RS](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_3) | 14  |
| [Units of Interest](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_3) | 14  |
| [Distribution of the Contracts](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_3) | 14  |
| [Administration of the Contracts](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_4) | 15  |
| **[Variable Investment Options and Fixed Account Options](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_4)** | 15  |
| [Variable Investment Options](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_4) | 15  |
| [Fixed Account Options](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_5) | 16  |
| [Impact of Advisory Program Fees](#xx_977b2374-7d19-4e54-a51b-8f9e813a4658_6) | 17  |
| **[Purchase Period](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_1)** | 18  |
| [Account Establishment](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_1) | 18  |
| [When Your Account Will Be Credited](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_1) | 18  |
| [Purchase Units](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_2) | 19  |
| [Calculation of Value for Fixed Account Options](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_2) | 19  |
| [Calculation of Value for Variable Investment Options](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_2) | 19  |
| [Stopping Purchase Payments](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_3) | 20  |
| [Impact of Deduction of Advisory Program Fee on](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_3)<br> [Purchase Payments](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_3)<br>| 20  |
| **[Advisory Program](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_3)** | 20  |
| [Advisory Agreement and Fees](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_3) | 20  |
| [Reallocations](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_4)[& Transfer Instructions](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_4) | 21  |
| [Termination of the Advisory Program](#xx_84b5b3fe-d828-40c7-aaa5-570093af4ded_4) | 21  |
| **[Transfers Between Investment Options](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_1)** | 22  |
| [During the Purchase Period — Policy Against Market](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_1)<br> [Timing and Frequent Transfers](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_1)<br>| 22  |
| [Communicating Transfer or Reallocation Instructions](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_2) | 23  |
| [Effective Date of Transfer](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_2) | 23  |
| [Transfers During the Payout Period](#xx_c53f9ef7-9c36-43ab-8c8d-2c429072b649_2) | 23  |
| **[Fees and Charges](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1)** | 24  |
| [Fixed Account Plus Excess Transfer Charge](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1) | 24  |
| [Exceptions to Fixed Account Plus Excess](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1)<br> [Transfer Charge](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1)<br>| 24  |
| [Premium Tax Charge](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1) | 24  |
| [Separate Account Charges](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1) | 24  |
| [Reduction or Waiver of Account Maintenance,](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1)<br> [Surrender, or Separate Account Charges](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_1)<br>| 24  |
| [Payments from Mutual Funds](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_2) | 25  |
| [Fund Expenses](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_2) | 25  |
| [Advisory Program Fees](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_2) | 25  |
| [Other Charges](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_3) | 26  |
| **[Payout Period](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_3)** | 26  |

---

---

| | |
|:---|:---|
|  | **Page** |
| [Payout Payments on a Fixed Basis](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_3) | 26  |
| [Assumed Investment Rate](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_3) | 26  |
| [Payout Payments on a Variable Basis](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_3) | 26  |
| [Payout Payments on a Combination of a Fixed and](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_4)<br> [Variable Basis](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_4)<br>| 27  |
| [Partial Annuitization/No Commutations](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_4) | 27  |
| [Payout Date](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_4) | 27  |
| [Payout Options](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_4) | 27  |
| [Payout Information](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_5) | 28  |
| [Impact of Advisory Program Fees on Payout](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_5)<br> [Payments](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_5)<br>| 28  |
| **[Surrender of Account Value](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_5)** | 28  |
| [When Surrenders Are Allowed](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_5) | 28  |
| [Surrender Process](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_6) | 29  |
| [Amount That May Be Surrendered](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_6) | 29  |
| [Surrender Restrictions](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_6) | 29  |
| [Partial Surrenders](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_6) | 29  |
| [Distributions Required by Federal Tax Law](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_6) | 29  |
| **[Exchange Privilege](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_7)** | 30  |
| **[Benefits Available Under the Contract](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_7)** | 30  |
| **[Death Benefits](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_8)** | 31  |
| [The Process](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_8) | 31  |
| [Beneficiary Information](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_8) | 31  |
| [During the Purchase Period](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9) | 32  |
| [Standard Death Benefit](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9) | 32  |
| [Adjusted Purchase Payment Amount](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9) | 32  |
| [During the Payout Period](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9) | 32  |
| [Impact of the Deduction of Advisory Program Fees on](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9)<br> [Death Benefit](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_9)<br>| 32  |
| **[Additional Information About Loans](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)** | 33  |
| [Interest Charged for a Loan](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10) | 33  |
| [The Effects of a Loan on Account Value, Payout](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)<br> [Payments and the Death Benefit](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)<br>| 33  |
| **[Other Contract Features](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)** | 33  |
| [Changes That May Not Be Made](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10) | 33  |
| [Change of Beneficiary](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10) | 33  |
| [Cancellation](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)[— The](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10)["Free Look" Period](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_10) | 33  |
| [We Reserve Certain Rights](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11) | 34  |
| [Relationship to Employer's Plan](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11) | 34  |
| **[Voting Rights](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11)** | 34  |
| [Who May Give Voting Instructions](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11) | 34  |
| [Determination of Fund Shares Attributable to Your](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11)<br> [Account](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11)<br>| 34  |
| [During the Purchase Period](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11) | 34  |
| [During the Payout Period or after a Death Benefit](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11)<br> [Has Been Paid](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11)<br>| 34  |
| [How Fund Shares Are Voted](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_11) | 34  |
| **[Federal Tax Matters](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_12)** | 35  |
| [Types of Plans](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_12) | 35  |
| [Tax Consequences in General](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_12) | 35  |
| **[Legal Proceedings](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_14)** | 37  |
| **[Financial Statements](#xx_03474266-d2d7-4f24-8bef-fcfd94447427_14)** | 37  |

---

------

---

| | |
|:---|:---|
|  | **Page** |
| **[Appendix](#xx_a9ffacfd-5757-49f2-8517-dd19ca93d8f7_1)[A — Funds Available Under the Contract](#xx_a9ffacfd-5757-49f2-8517-dd19ca93d8f7_1)** | A-1  |

---

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| | |
|:---|:---|
|  | **Page** |
| **[Appendix](#xx_5840fd7f-aaa4-49a6-be1c-5abffd6c573c_1)[B — State Contract Variability](#xx_5840fd7f-aaa4-49a6-be1c-5abffd6c573c_1)** | B-1 |

---

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**Glossary of Terms**

------

Unless otherwise specified in this prospectus, the words "we," "us," "our," "Company," and "USL" mean The United States Life Insurance Company in the City of New York and the words "you" and "your" mean the Participant.

Other specific terms we use in this prospectus are:

**Account Value** — the total sum of your Fixed Account Option and/or Variable Investment Option that has not yet been applied to your annuity payments.

**Advisory Program** — the investment advice service provided by your Investment Adviser. Guided Portfolio Services<sup>®</sup> ("GPS") is an advisory service offered by VFA, a registered investment adviser and our affiliate. A separate investment advisory fee and agreement are required for this service, if available under an employer's retirement plan. You should ask VFA or your financial professional about any fees charged for investment advice provided.

**Annuitant** — the individual (in most cases, you) to whom Payout Payments will be paid.

**Annuity Service Center** —Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105.

**Assumed Investment Rate** — the rate used to determine your first monthly payout payment per thousand dollars of account value in your Variable Investment Option.

**Beneficiary** — the individual designated to receive the death benefit or Payout Payments upon the death of the Annuitant.

**Business Day** — any weekday that the New York Stock Exchange ("NYSE") is open for trading. Normally, the NYSE is open Monday through Friday, from 9:30 a.m. to 4:00 p.m. Eastern Time. Business Days do not include U.S. holidays or other days when the NYSE is closed, such as Good Friday.

**Code** — the Internal Revenue Code of 1986, as amended.

**Contract Owner** — the individual or entity to whom the Contract is issued. For a group Contract, the Contract Owner will be the employer purchasing the Contract for a retirement plan.

**Division** — the portion of the Separate Account invested in a particular Mutual Fund. Each Division is a subaccount of USL Separate Account RS.

**Fixed Account Option** — an account, where available, in which you may invest and is guaranteed to earn at least a minimum rate of interest while invested and an obligation of USL's General Account.

**Home Office** — located at 1133 Avenue of the Americas, 33rd Floor, New York, NY 10036.

**Investment Adviser** — the investment adviser that you have engaged to provide services as part of an Advisory Program. We only support Advisory Programs that are offered through our affiliate, VFA, a registered investment adviser. There are typically advisory fees associated with an Advisory Program. Those fees are separate from the Contract's fees and charges.

USL is not a registered investment adviser and does not provide any investment advice under the Advisory Program.

**Market Close** — the close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is open for business.

**Mutual Fund or Fund** — the investment portfolio(s) of a registered open-end management investment company, which serves as the underlying investment vehicle for each Division represented in USL Separate Account RS.

**Net Purchase Payments** — the total sum of Purchase Payments minus withdrawals and charges.

**Participant** — the individual (in most cases, you) who makes Purchase Payments or for whom Purchase Payments are made.

**Participant Year** — a 12-month period starting with the issue date of a Participant's Contract certificate and each anniversary of that date.

**Payout Payments** — annuity payments withdrawn in a steady stream during the Payout Period.

**Payout Period** — the time when you begin to withdraw your money in Payout Payments.

**Payout Unit** — a measuring unit used to calculate Payout Payments from your Variable Investment Option. Payout Units measure value, which is calculated just like the Purchase Unit value for each Variable Investment Option except that the initial Payout Unit includes a factor for the Assumed Investment Rate selected. Payout Unit values will vary with the investment experience of the USL Separate Account RS Division.

**Proof of Death** — a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to death, a written statement by an attending physician, or any other proof satisfactory to USL.

**Purchase Payments** — an amount of money you or your employer pay to USL to receive the benefits of a Contract.

**Purchase Period** — the accumulation period or time between your first Purchase Payment and the beginning of your Payout Period (or surrender). It also may be called the "Accumulation Period."

**Purchase Unit** — a unit of interest owned by you in your Variable Investment Option.

**Statement of Additional Information or SAI** — a supplementary document that provides additional information about your Contract. This document is not part of the prospectus and should be read only in conjunction with the prospectus for your Contract.

**Systematic Withdrawals** — payments withdrawn on a regular basis during the Purchase Period.

**USL Separate Account RS or Separate Account** — a segregated asset account established by USL under the New York Insurance Law. The purpose of the USL Separate Account RS is to receive and invest your Purchase Payments and Account Value in the Variable Investment Option(s), if selected.

**Variable Investment Option** — investment options that correspond to Separate Account Divisions available under the Contracts.

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**Important Information You Should Consider About the Contract**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br>**Prospectus**<br>|

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|:---|:---|:---|
| **Charges for Early** <br> **Withdrawals**<br>| There are no surrender or withdrawal charges under the Contract. | &nbsp;&nbsp; **Fee Tables**<br>**Fees and Charges –** <br> **Surrender Charge**<br>|

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|:---|:---|:---|
| **Transaction Charges** | &nbsp;&nbsp; You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Fee Tables**<br>**Fees and Charges**<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Base Contract<sup>1</sup> <br>(varies by Contract class)<br>| 0.20% | 0.20% | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Fund fees and expenses)<br>| 0.015% | 0.91% | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Lowest Annual Cost: $220** | **Highest Annual Cost: $1,132** | **Highest Annual Cost: $1,132** | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No optional benefits<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals<br>| &nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals | &nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals | **Fees and Charges** |

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in this Contract, including your principal <br> investment. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br>|

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|:---|:---|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; •This Contract is not designed for short-term investing and is not <br> appropriate for an investor who needs ready access to cash.<br>•Withdrawals may reduce or terminate Contract guarantees and may result <br> in taxes and tax penalties.<br>•If you select the Fixed Account Plus option for investment, your ability to <br> transfer amounts from that option is subject to an annual limit. It may take <br> several years to transfer all amounts from the Fixed Account Plus option. If <br> you transfer amounts from the Fixed Account Plus option in excess of that <br> annual limit (including withdrawals from the Fixed Account Plus option for <br> the purpose of transferring assets to another funding entity), you may be <br> subject to a charge.<br>•The benefits of tax deferral, if applicable, and long-term income mean the <br> Contract is generally more beneficial to investors with a long investment <br> time horizon. |
| **Risks Associated with** <br> **Investment Options**<br>| &nbsp;&nbsp; •An investment in this Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Contract.<br>•Each Variable Investment Option and each Fixed Account Option has its <br> own unique risks.<br>•You should review the investment options before making an investment <br> decision. |
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to us, USL. Any <br> obligations (including under any Fixed Account Option), guarantees, and <br> benefits of the Contract are subject to our claims-paying ability. If we <br> experience financial distress, we may not be able to meet our obligations to <br> you. More information about us, including our financial strength ratings, is <br> available upon request by calling 1-800-448-2542 or visiting <br> www.corebridgefinancial.com/rs. |
|  | **RESTRICTIONS** |
| **Investments** | &nbsp;&nbsp; •Certain investment options may not be available under your Contract.<br> •You may transfer funds between the investment options, subject to certain <br> restrictions.<br>•If you are enrolled in an Advisory Program, you are personally prohibited <br> from making transfers among investment options in the Contract. During <br> such period, transfer instructions may only be provided by the Investment <br> Adviser. If you terminate the Advisory Program, you may make transfers <br> among the investment options subject to certain restrictions.<br>•Transfers between the investment options, as well as certain purchases <br> and redemptions, are subject to policies designed to deter market timing <br> and frequent transfers.<br>•Transfers to and from the Fixed Account Options are subject to special <br> restrictions.<br>•Early withdrawals and transfers from a Multi-Year Enhanced Option may be <br> subject to negative adjustments.<br>•We reserve the right to remove or substitute Funds as investment options<br> •We reserve the right to stop accepting additional Purchase Payments  |

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Optional Benefits** | &nbsp;&nbsp; •If you are participating in an Advisory Program and your Investment <br> Adviser's fees are deducted from your Contract, the deduction of those <br> fees may reduce the death benefit and any other guaranteed benefit, and <br> may be subject to surrender charges, federal and state income taxes and a <br> 10% federal penalty tax. | &nbsp;&nbsp; **Advisory Program**<br>**Federal Tax Matters**<br>|
|  | **TAXES** |  |
| **Tax Implications** | &nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> Contract.<br>•If you purchase the Contract through a tax-qualified plan, there is no <br> additional tax benefit under the Contract.<br>•Withdrawals, including withdrawals to pay your Investment Adviser's fees, <br> may be subject to ordinary income tax. You may have to pay a tax penalty <br> if you take a withdrawal before age 59½. | **Federal Tax Matters** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; Your financial professional may receive compensation for selling this <br> Contract to you in the form of commissions, additional cash compensation, <br> and non-cash compensation. We may share the revenue we earn on this <br> Contract with your financial professional's firm, which may be an affiliate. <br> This conflict of interest may influence your financial professional to <br> recommend this Contract over another investment for which the financial <br> professional is not compensated or compensated less.<br> You may determine to engage our affiliate registered investment adviser, VFA, <br> to provide investment advice to you for the Contract. VFA will charge an <br> Advisory Program Fee. We do not set your investment advisory fee. While <br> USL will deduct the Advisory Program Fee from your Account Value based on <br> instructions from your Investment Adviser, we do not retain any portion of <br> these fees. USL, as an affiliate of VFA, will indirectly benefit from VFA's <br> receipt of Advisory Program Fees.<br> In addition, Investment Advisers and their managers are eligible for benefits <br> from us or our affiliates, such as non-cash compensation items.<br> One or more of these conflicts of interest may influence your financial <br> professional to recommend this Contract over another investment.  | &nbsp;&nbsp; **General Information –** <br> **Distribution of the** <br> **Contracts**<br>**Advisory Program** |
| **Exchanges** | &nbsp;&nbsp; Some financial professionals may have a financial incentive to offer you a <br> new contract in place of the one you already own. You should exchange a <br> contract you already own only if you determine, after comparing the features, <br> fees, and risks of both contracts as well as any fees or penalties to terminate <br> the existing contract, that it is better for you to purchase the new contract <br> rather than continue to own your existing contract. | &nbsp;&nbsp; **General Information –** <br> **Distribution of the** <br> **Contracts**<br>**Advisory Program** |

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**Overview of the Contract** 

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**Purpose of the Contract** 

The Contract is designed to help you invest on a tax-deferred basis, meet long-term financial goals, and plan for your retirement. You can accumulate assets by investing in the Contract's investment options and then later convert those accumulated assets into a stream of guaranteed income payments from us. The Contract includes a death benefit that may help financially protect your Beneficiary or Beneficiaries in the event of your death.

This Contract may be appropriate for you if you have a long investment time horizon and the Contract's terms and conditions are consistent with your financial goals. It is not intended for people whose liquidity needs require early or frequent withdrawals or for people who intend to frequently trade in the Contract's investment options.

The Contract is used in connection with employer-sponsored qualified retirement plans, for which the employer is the Contract owner and participating employees receive certificates related to the Contract.

If you are enrolled in an Advisory Program, Advisory Program fees deducted from your Contract may reduce the death benefit and any other guaranteed benefit and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax. See "*Surrender of Account Value*", "*Advisory Program*" and "*Federal Tax Matters*" in the prospectus.

**Phases of the Contract** 

Like all deferred annuities, the Contract has two phases: (1) a Purchase Period (for savings) and (2) a Payout Period (for income).

**Purchase Period.** During the Purchase Period, you invest your money under the Contract in one or more available investment options to help you build assets on a tax-deferred basis. The available investment options may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Variable Investment Options.** When you invest in a Variable Investment Option, you are indirectly investing in the Variable Investment Option's underlying Mutual Fund. The Mutual Funds have different investment objectives, strategies, and risks. You can gain or lose money if you invest in a Variable Investment Option.

**Additional information about each Mutual Fund is provided in an appendix to this prospectus. Please see APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Fixed Account Options.** When you invest in a Fixed Account Option (Fixed Account Plus or Short-Term Fixed Account), your principal is guaranteed and earns interest based on a rate set and guaranteed by us.

The amount of money you accumulate during the Purchase Period depends (in part) on the performance of the investment options you choose. You may transfer money between investment options during the Purchase Period, subject to certain restrictions. Your accumulated assets impact the value of your benefits during the Purchase Period, including the death benefit and the amount available for withdrawal.

**Payout Period.** When you are ready to receive guaranteed income under the Contract, you can switch to the Payout Period, at which time you will start to receive Payout Payments from us. This is also referred to as "annuitizing" the Contract. You generally decide when to annuitize. You can choose from the available payout options, which may provide income for life, for a guaranteed period of time, or a combination of both. You can also choose to receive Payout Payments on a variable or fixed basis, or a combination of both. If the Payout Payments are made on a fixed basis, the dollar amount of each payment will be the same. If the Payout Payments are made on a variable basis, the dollar amount for the payments will fluctuate.

The death benefit from the Purchase Period does not apply during the Payout Period. Any amount payable upon death during the Payout Period depends on the payout option selected. You cannot take withdrawals of Account Value or surrender the Contract during the Payout Period.

**Contract Features** 

**Retirement Plan Terms and Conditions.** The Contract is designed to be purchased by an employer for use in a retirement plan. Your participation in a group Contract will be subject to the terms and conditions of your retirement plan and applicable law, which may limit your ability to take certain actions under the Contract.

**Accessing Your Money.** You may withdraw money from the Contract at any time during the Purchase Period. If withdrawals are made from the Contract, you may have to pay a surrender charge and/or federal and state income taxes, including a tax penalty if you are younger than age 59½. Withdrawals may negatively impact the value of your benefits under the Contract.

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**Tax Treatment.** Money can be transferred between investment options without tax implications, and earnings (if any) on your investments are generally tax-deferred. Earnings and untaxed contributions are not taxed until they are distributed, which may occur when making a withdrawal, upon receiving a Payout Payment, or upon payment of the death benefit. You do not receive any additional tax benefit under the Contract because the Contract is issued through a tax-qualified plan.

**Death Benefit.** If you die during the Purchase Period, we pay a death benefit to your Beneficiary or Beneficiaries. The Contract has a standard death benefit for no additional fee.

**Additional Features and Services.** Additional features and services under the Contract are summarized below. There are no additional charges associated with these features and services unless otherwise noted. Not all features and services may be available under your Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Systematic Withdrawals.** This program allows you to automatically receive withdrawals on a regular basis during the Purchase Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Loans.** Tax-free loans may be taken under tax-qualified Contracts, providing additional access to your money in the Fixed Account Options. You will incur interest on an outstanding loan. Loans are subject to restrictions, including a $1,000 minimum loan amount. You may not be able to take a loan under your Contract. We may charge up to $75 for a loan application fee for each loan if permissible by your state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Guided Portfolio Services**<sup>®</sup>**.** The GPS Portfolio Manager Program is the Advisory Program offered by our affiliated registered investments adviser, VFA, to help manage your Account Value. VFA offers the Advisory Program through its investment adviser representatives. It is an advice and asset management program offered to individuals in connection with their participation in certain employer-sponsored retirement plans. The Advisory Program is available to Participants in retirement plan accounts where the Contract is issued by USL. A separate investment advisory fee and agreement with VFA is required for this service, if available under an employer's retirement plan. More information about the GPS Portfolio Manager Program may be requested by contacting VFA at 866-544-4968 or it is also available free of charge on our website at www.corebridgefinancial.com/rs/prospectus-and-reports/vfa-form-adv-materials

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**Fee Tables**

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**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses below do not reflect any advisory fees paid to your Investment Adviser from Contract or other assets. If such charges were reflected, the fees and expenses would be higher.**

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender, or make withdrawals from the Contract, or transfer cash value between investment options. State premium taxes may also be deducted.**

***<u>Transaction Expenses</u>*** 

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|:---|:---|
| **Maximum Surrender Charge** |  |
| **Maximum Loan Application Fee (per loan)** | $75 |
| **Fixed Account Plus Excess Transfer Charge** | 5.00%<sup>(1)</sup> <br>|

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**The following tables describe the fees and expenses that you will pay each year during the time that you own the Contract, not including Fund fees and expenses. If you have chosen to purchase an optional benefit, you pay additional charges, as shown below.**

***<u>Annual Contract Expenses</u>*** 

**Annual Variable Investment Option Maintenance Charge**<br>

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|:---|:---|:---|
| **Annual Fees** | **Current** | **Maximum** |
| **Base Contract Expenses**<sup>(2)</sup> <br>(as a percentage of average daily net asset value allocated to the Variable Investment Option)<br>| 0.20% | 0.20% |

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|:---|
| **Optional Benefit Expenses** |
| **Loan Interest Charges**<br> (as a percentage of average daily value allocated to the Fixed Account Option)<br>|
| Non-ERISA Contracts<sup>1</sup> <br>3.00 – 6.00%<sup>3</sup> <br>|
| ERISA Contracts<sup>2</sup> <br>5.50%<sup>4</sup> <br>|

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<sup>1</sup> Contracts that are not issued as part of a retirement plan subject to The Employee Retirement Income Security Act of 1974 (ERISA) including 457 Plans and retirement plans administered by government entities and churches, as well as IRAs and Non-Qualified Deferred Annuities.

<sup>2</sup> Contracts that are issued as part of employer-sponsored retirement plans subject to ERISA including 401(k) and certain 403(b) defined contribution plans.

<sup>3</sup> The Non-ERISA Loan Interest Charges will vary based on the Guaranteed Minimum Interest Rate (GMIR) on your contract. Please refer to your contract for your GMIR.

<sup>4</sup> The ERISA Loan Interest Charges are variable rates based upon an index prescribed under applicable state insurance rules for policy loans. Loan Interest Charges for an existing loan will not increase, but may decrease, during the term of the loan.

***<u>Annual Fund Expenses</u>***

**The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in Appendix A of this document.** 

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|:---|:---|:---|
| **Annual Fund Expenses**<br> (expenses that are deducted from Fund assets, including management fees, distribution and/or <br> service (12b-1) fees (if applicable), and other expenses) | **Minimum**<sup>(3)</sup> <br>| **Maximum**<sup>(4)</sup> <br>|
| **Annual Fund Expenses**<br> (expenses that are deducted from Fund assets, including management fees, distribution and/or <br> service (12b-1) fees (if applicable), and other expenses) | 0.015%  | 0.91% |

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**Footnotes to the Fee Tables**

(1) Transfers from the Fixed Account Plus option are limited to 20% per Participant Year. See "Transfers Between Investment Options." Transfers in excess of this limitation will be permitted; however, the excess amount transferred will be subject to a charge of 5% on the excess amount transferred. Withdrawals from the Fixed Account Plus Option to another funding entity are considered "transfers" for purposes of this limitation. See "Fees and Charges – Fixed Account Plus Transfer Charge."

(2) Also referred to as "Separate Account Charges."

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(3) The Funds with the lowest total annual fund operating expenses is the Fidelity 500 Index.

(4) The Fund with the highest total annual fund operating expenses is the Impax Global Environmental Markets Institutional Shares.

***Examples***

**These examples are intended to help you compare the cost of investing in the Funds with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.**

**These examples assume all Contract value is allocated to the Variable Investment Options. Your costs could differ from those shown below if you invest in the Fixed Account Options.**

**Each example assumes that you invest a single Purchase Payment of $100,000 in the Funds for the time periods indicated. Each example also assumes your investment has a 5% return each year and assumes the most expensive combination of annual Contract expenses and annual Fund expenses as well as optional benefits. None of the examples include the effect of premium taxes upon annuitization, or the effect of any advisory fees paid to your Investment Adviser from the Contract. If these fees and charges were reflected, the costs would be higher. Your actual costs may be higher or lower than the examples below.**

**The first set of examples assumes the most expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:**

(1) If you surrender your Contract at the end of the applicable time period:

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|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $1132  | $3531  | $6125  | $13564 |

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(2) If you annuitize your Contract or you do *not* surrender your Contract:

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|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $1132  | $3531  | $6125  | $13564 |

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**The second set of examples assumes the least expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:** 

(1) If you surrender your Contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $220  | $693  | $1214  | $2756 |

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(2) If you annuitize your Contract or you do *not* surrender your Contract:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $220  | $693  | $1214  | $2756 |

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**Principal Risks of Investing in the Contract**

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**Risk of Loss.** Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This Contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This Contract is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.

**Short-Term Investment Risk.** This Contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this Contract is more beneficial to investors with a long-time horizon.

**Group Plan Risk.** The Contract is primarily designed to be purchased by an employer for use in a retirement plan. Your participation in a group Contract will be subject to the terms and conditions of your retirement plan and applicable law. This may impact your ability to make Purchase Payments, request withdrawals or loans, select payout options, or take other actions under the Contract. If the Contract is being used in a retirement plan through your employer, you should always refer to the terms and conditions in your employer's plan when reviewing the description of the Contract in this prospectus.

**Withdrawal Risk.** You should carefully consider the risks associated with withdrawals under the Contract. A withdrawal may reduce the value of your standard and optional benefits such as the death benefit or other guaranteed benefits. If you take a loan from your account, the amount of this loan and interest accrued therein may also reduce the value of the standard and optional benefits while (i) the loan is in the process of being paid off, (ii) if the loan is never paid off, or (iii) if you default on the loan. Additionally, your interest payments can never be recovered and, therefore, indirectly lower the Contract value based on the loan you took against it. The reductions may be more than the amount withdrawn. Excess transfers from the Fixed Account Plus option (including withdrawals from the Fixed Account Plus option for the purpose of transferring assets to another funding entity) may be subject to a charge. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% federal tax penalty. A total withdrawal (surrender) will result in the termination of your Contract or certificate. We may defer payment of withdrawals from a Fixed Account Option for up to six months when permitted by law.

**Variable Investment Option Risk.** Amounts that you invest in the Variable Investment Options are subject to the risk of poor investment performance. You assume the investment risk. Generally, if the Variable Investment Options that you select make money, your Account Value goes up, and if they lose money, your Account Value goes down. Each Variable Investment Option's performance depends on the performance of its underlying Mutual Fund. Each Mutual Fund has its own investment risks, and you are exposed to the Mutual Fund's investment risks when you invest in a Variable Investment Option. You are responsible for selecting Variable Investment Options that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance.

**Deduction of Advisory Program Fee Risk.** If the Advisory Program fees payable to your investment adviser are deducted from the Contract, such deductions may reduce the death benefit and other annuity benefits, decrease the Account Value allocated to the Fixed Account Options and result in a reduction of Purchase Units & Payout Payments. The amounts deducted from your Contract for payment of Advisory Program Fees may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax.

**Loan Risk.** If you take a loan under the Contract, interest will accrue on any outstanding loan amounts until they are repaid and, depending on the state, you may be required to pay a loan application fee to us.

**Minimum Account Value Risk.** If your Account Value falls below $300 and you do not make any Purchase Payments for at least two (2) Participant Years, we may close the account and pay the Account Value to you. Any such account closure will be subject to applicable distribution restrictions under the Contract and/or under your employer's plan.

**Financial Strength and Claims-Paying Ability Risk.** All guarantees under the Contract, including the Fixed Account Options, that are paid from our General Account are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.

**Business Disruption.** Our business is also vulnerable to disruptions from natural and man-made disasters and catastrophes, such as but not limited to hurricanes, windstorms, flooding, earthquakes, wildfires, solar storms, war or other military action, acts of terrorism, explosions and fires, pandemic (such as COVID-19) and other highly contagious diseases, mass torts, failure of telecommunications or other critical infrastructure and other catastrophes. A natural or man-made disaster or catastrophe may negatively affect the computer and other systems on which we rely, and may also interfere with our ability to receive, pick up and process mail, to calculate Purchase Unit values, process other contract-related transactions, or otherwise provide our services, or have other possible negative impacts. While we have developed and put in place what we believe to be appropriate business continuity and disaster recovery plans and procedures to mitigate operational risks and potential losses related to business disruptions resulting from natural and man-made disasters and catastrophes, there can be no assurance that we, our agents, the underlying Funds or our service providers will be able to successfully avoid negative impacts resulting from such disasters and catastrophes.

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**Cybersecurity Risk.** We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners and service providers, our business is vulnerable to physical disruptions and utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), cyber-attacks, user error or other disruptions to the confidentiality, integrity, or availability of such systems and data. These risks include, among other things, the theft, misuse, corruption, disclosure and destruction of sensitive business data, including personal information, maintained on our or our business partners' or service providers' systems, interference with or denial of service attacks on websites and other operational disruptions and/or unauthorized release of confidential customer information, including as a result of social engineering attacks or employee malfeasance. Such systems failures and cyber-attacks or incidents affecting us, any third-party administrator, the underlying Funds, intermediaries and other affiliated or third-party service providers, as well as our distribution partners, may adversely affect us and your contract value. For instance, systems failures and cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website, our distribution partners, or with the underlying Funds, impact our ability to calculate Purchase Unit values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers, distribution partners and other intermediaries to regulatory fines and enforcement action, litigation risks and financial losses and/or cause reputational damage. Cyber security risks may also impact the issuers of securities in which the underlying Funds invest, which may cause the affected underlying Funds to lose value. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict. Despite our implementation of policies and procedures, which we believe to be reasonable, that address physical, administrative and technical safeguards and controls and other preventative actions to protect our systems and sensitive business and customer information and reduce the risk of cyber-incidents, there can be no assurance that we or our distribution partners or the underlying Funds or our service providers will avoid cyber-attacks or information security breaches in the future that may affect your contract and/or personal information.

**General Information** 

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**About the Contracts** 

The Contracts were developed to help you save money for your retirement. A group Contract is a Contract that is purchased by an employer for a retirement plan. The employer and the plan documents will determine how contributions may be made to the Contracts. For example, the employer and plan documents may allow contributions to come from different sources, such as payroll deductions or money transfers. The amount, number, and frequency of your Purchase Payments may also be determined by the retirement plan for which your Contract was purchased. Likewise, the employer's plan may have limitations on partial or total withdrawals (surrenders), the start of annuity payments, and the type of annuity payout options you may select.

The Contracts offer a combination of Variable Investment Options and Fixed Account Option(s) that you, as a Participant, may choose to invest in to help you reach your retirement savings goals. You should consider your personal risk tolerances and your retirement plan in choosing your investment options. Your plan may designate the available investment options under the Contract and may be required to provide direction regarding additions or replacements of investment options. Plans subject to Title I of the Employee Retirement Income Security Act of 1974, as amended ("ERISA") may be subject to additional plan and Contract provisions.

The retirement savings process with the Contracts will involve two stages: the accumulation Purchase Period, and the annuity

Payout Period. The accumulation period is when you make contributions into the Contracts called "Purchase Payments." The Payout Period begins when you decide to annuitize all or a portion of your Account Value. You can select from a wide array of payout options including both fixed and variable payments. For certain types of retirement plans, such as 403(b) plans, there may be statutory restrictions on withdrawals as disclosed in the plan documents. Refer to your plan document for guidance and any rules or restrictions regarding the accumulation or annuitization periods. Your Contract has information to assist you as well. For more information, see *"Purchase Period"* and *"Payout Period."* 

If you have questions about your Contract, call your financial professional or contact us at 1-800-448-2542.

**All material state variations are described in Appendix B.**

**About USL**

The United States Life Insurance Company in the City of New York ("USL") is a stock life insurance company organized under the laws of the State of New York. Its home office is 1133 Avenue of the Americas, 33rd Floor, New York, NY 10036. USL conducts life insurance and annuity business primarily in the State of New York. USL is an indirect, wholly owned subsidiary of Corebridge Financial, Inc. ("Corebridge").

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**About USL Separate Account RS**

When you direct money to the Contract's Variable Investment Options, you will be sending that money through USL Separate Account RS. You do not invest directly in the Mutual Funds made available in the Contract. USL Separate Account RS invests in the Mutual Funds on behalf of your account. USL acts as custodian for the Mutual Fund shares owned through the Separate Account which is made up of what we call "Divisions." Each Division invests in a different Mutual Fund made available through the Contract. The earnings (or losses) of each Division are credited to (or charged against) the assets of that Division, and do not affect the performance of the other Divisions of the Separate Account.

USL established Separate Account RS on June 14, 2024 under New York Insurance law. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940, as amended, (the "1940 Act"). Units of interest in the Separate Account are registered as securities under the Securities Act of 1933, as amended (the "1933 Act").

The Separate Account is administered and accounted for as part of the Company's business operations. However, the income, capital gains or capital losses, whether or not realized, of each Division of the Separate Account are credited to or charged against the assets held in that Division without regard to the income, capital gains or capital losses of any other Division or arising out of any other business the Company may conduct. In accordance with the terms of the Contract, the Separate Account may not be charged with the liabilities of any other Company operation. As stated in the Contract, New York Insurance Law requires that the assets of the Separate Account attributable to the Contract be held exclusively for the benefit of the Contract owner, Participants, Annuitants, and Beneficiaries of the Contracts.

We are obligated to pay all amounts promised to investors under the Contracts. The commitments under the Contracts are the sole obligation of USL. All amounts paid from our General Account, including our obligations under any Fixed Account Option and any death benefits or Payout Payments, in excess of your amounts in the Separate Account are subject to the Company's financial strength, claims-paying ability, and long-term ability to make payments.

**Units of Interest**

Your investment in a Division of the Separate Account is represented by units of interest issued by the Separate Account. On each Business Day, the units of interest issued by the Separate Account are revalued to reflect that day's performance of the underlying Mutual Fund(s) minus any applicable withdrawals or fees and charges to the Separate Account.

**Distribution of the Contracts**

The principal underwriter and distributor for the Separate Account is Corebridge Capital Services, Inc. ("CCS" or "Distributor"). CCS, an affiliate of the Company, is located at 30 Hudson Street, 16<sup>th</sup> Floor, Jersey City, NJ 07302. *For more information about the Distributor, see "Distribution of Variable Annuity Contracts" in the SAI*.

*VFA*

The Contracts are sold by licensed insurance agents who are registered representatives of broker-dealers, which are members of the Financial Industry Regulatory Authority ("FINRA"), unless otherwise exempt. USL's primary distribution channel is through its affiliate, VFA, which is a FINRA member. USL and/or its affiliates, including VFA and The Variable Annuity Life Insurance Company ("VALIC"), receives payments from some Fund companies for exhibitor booths at meetings and to assist with the education and training of VALIC, USL, VFA and their affiliates' employees and financial professionals. VFA and its financial professionals who sell the Contracts will be compensated for such sales by commissions ranging up to 2.10% of each first-year Purchase Payment. The financial professionals will receive commissions of up to 0.55% for level Purchase Payments in subsequent years and up to 2.10% on increases in the amount of Purchase Payments in the year of the increase. During the first two years of employment, VFA financial professionals may also receive developmental commissions of up to 4% for each first-year Purchase Payment and for increases in the amount of Purchase Payments. Financial professionals can also receive a bonus payment where the amount of the payment varies based on the number of total enrollments generated by the financial professional and on the expected annualized Purchase Payments of the Participant.

For more information about how your financial professional may be compensated, please contact your financial professional.

*Mutual Funds*

The Mutual Funds or their registered investment adviser or its affiliates ("Mutual Fund Entities") may make payments to USL, typically for administrative, recordkeeping, and shareholder services that USL provides for the underlying Mutual Fund(s). See also the "*Payments from Mutual Funds*" section in this prospectus.

In addition, USL and/or its affiliates may receive payments from Mutual Fund Entities that voluntarily choose to participate in, and that are designed to defray the costs associated with, conferences, seminars, training, or other educational events sponsored by USL and its affiliates where such funds and services are discussed and that are attended by VFA financial professionals, USL employees, employees of our affiliates and/or plan sponsors and plan consultants. Moreover, these Mutual Fund Entities may also make payments to USL and/or its affiliates for exhibitor booths at meetings and to assist with education and training of VFA financial professionals.

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*Consultants*

USL and its affiliates sometimes retain and compensate business consultants to assist USL in marketing group employee benefit services to employers. These business consultants are not associated persons of VFA or affiliated with USL or its affiliates and are not authorized to sell or market securities or insurance products to employers or to group plan participants. The fees paid to such business consultants are part of USL's general overhead and are not charged back to employers, group employee benefit plans or plan participants.

*Sponsorships*

USL and its affiliates maintain ongoing relationships with various organizations and associations, including trade associations, unions, and other industry groups, to which USL and/or its affiliates makes sponsorship payments for marketing and advertising opportunities. These marketing and advertising opportunities may take the form of participation in leadership and recognition events, educational conferences, speaking opportunities, booth space and signage at membership conferences and similar events, and membership dinners. Such payments are typically flat fees (either one-time or recurring) and are not based on transactions or sales.

USL and its affiliates also have ongoing relationships with retirement plan sponsors. As part of these ongoing relationships, USL and its affiliates sponsor events and seminars for plan participants that provide education for plan participants, as well as marketing and advertising opportunities for USL and its affiliates. Such sponsorships may include providing occasional meals, entertainment, or nominal gifts to the extent permitted by FINRA rules.

These various sponsorships may be considered endorsements of the products of USL or its affiliates, may result in additional annuity or other product sales to plan participants, and provide an incentive to these organizations, associations, and plan sponsors to promote the products and services of USL and its affiliates.

**Administration of the Contracts**

USL is responsible for the administrative servicing of your Contract. Please contact the Annuity Service Center at 1-800-448-2542, if you have any comments, questions, or service requests.

**Variable Investment Options and Fixed Account Options**

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The Contracts offer a choice from among several Variable Investment Options and two Fixed Account Options. All options listed are available, generally, for 403(b) plans. Depending on what USL is offering in the Contracts at any given time and the selection made by your employer's plan, there may be limitations on which and how many investment options Participants may invest in at any one time.

Your employer may request, from time to time, to add or substitute Variable Investment Options. Any such request will be subject to USL's approval and to any other applicable limitations in the Contract. If any of the Variable Investment Options are closed or Fixed Account Options are closed to new Purchase Payments and/or new transfers, and absent alternate directions from the Contract Owner or Participant, amounts that otherwise would have been deposited into the closed Fixed Account Option(s) will be invested in a Variable Investment Option, if available, or otherwise, in the Short-Term Fixed Account. With respect to a closed Variable Investment Option(s), amounts that otherwise would have been deposited into the closed Variable Investment Option will be invested in such other Variable Investment Option(s), as consistent with applicable law.

This prospectus describes only the aspects of the Variable Investment Options available in the Portfolio Director Contract except where the Fixed Account Options are specifically mentioned.

**Variable Investment Options**

The Contracts enable you to participate in Divisions of the Separate Account that represent the Variable Investment Options. Depending on your retirement program, you may not be able to invest in all of the Variable Investment Options described in this prospectus. You may be subject to further limits on how many Variable Investment Options you may be invested in at any one time or how many of the Variable Investment Options in which you are invested may be involved in certain transactions at any one time.

**Information regarding each Fund, including (i) its name, (ii) its type, (iii) its investment adviser and any sub-investment adviser, (iv) current expenses, and (v) performance is available in an appendix to this prospectus. See "Appendix A – Funds Available Under the Contract."**

**Each Fund has issued a prospectus that contains more detailed information about the Fund. Read these prospectuses carefully before investing. Paper or electronic copies of the Fund prospectuses may be obtained by calling 1-800-448-2542, or visiting www.corebridgefinancial.com/rs/suny/prospectus-and-reports.**

Refer to your employer's retirement program documents for a list of the employer-selected Variable Investment Options and any limitations on the number of Variable Investment Options

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you may choose. All Funds may not be available for all plans or group contracts.

Shares of certain of the Funds are also sold to separate accounts of other insurance companies that may or may not be affiliated with us. This is known as "shared funding." These Funds may also be sold to separate accounts that act as the underlying investments for both variable annuity contracts and variable life insurance policies. This is known as "mixed funding." There are certain risks associated with mixed and shared funding, such as conflicts of interest due to differences in tax treatment and other considerations, including the interests of different pools of investors. These risks may be discussed in each Fund's prospectus.

Investors seeking to achieve long term retirement security generally are encouraged to give careful consideration to the benefits of a well-balanced and diversified investment portfolio. As just one example, investing one's total retirement savings in a limited number of investment options may cause that individual's retirement savings to not be adequately diversified. Spreading those assets among different types of investments can help an investor achieve a favorable rate of return in changing market or economic conditions that may cause one category of assets or particular security to perform very well while causing another category of assets or security to perform poorly. Of course, diversification is not a guarantee of gains or against losses. However, it can be an effective strategy to help manage investment risk.

The performance, returns, and value of allocations in the Variable Investment Options will vary based on the investment experience of the Mutual Fund in which the Variable Investment Options invest and there is a risk of loss of the entire amount invested.

**Fixed Account Options**

Portfolio Director Contracts feature up to two guaranteed Fixed Account Options that are each part of the General Account assets of the Company. These assets are invested in accordance with applicable state regulations. The guarantees under the Fixed Account Options are subject to our financial strength, claims-paying ability. and our long-term ability to make such payments, and not the Separate Account.

The Fixed Account Options are not subject to regulation under Federal securities laws including the 1940 Act and are not required to be registered under applicable Federal securities laws, including the 1933 Act. We bear the entire investment risk for the Fixed Account Options. All Purchase Payments and interest earned on such amounts in your Fixed Account Option will be paid regardless of the investment results experienced by the Company's general assets and are subject to our financial strength, claims paying ability, and our long-term ability to make such payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| **Fixed Account Options** | **Description** |
| Fixed Account Plus | &nbsp;&nbsp; This Fixed Account Option provides for a fixed rate of interest associated with a long-term time horizon. It is <br> credited with interest at rates set by USL. The account is guaranteed to earn at least a minimum rate of <br> interest as shown in your Contract. Your money may be credited with a different rate of interest depending on <br> the time period in which it is accumulated. Purchase Payments allocated to Fixed Account Plus will receive a <br> current rate of interest. There are limitations on transfers out of assets from this Fixed Account Option. If you <br> transfer assets from Fixed Account Plus to another investment option, any assets transferred back into Fixed <br> Account Plus within 90 days will receive a different rate of interest than that paid for new Purchase Payments <br> into Fixed Account Plus. Please refer to the **Fixed Account Plus Excess Transfer Charge** section in "*Fees and* <br> *Charges*" below for information about certain transfer limitations for Fixed Account Plus.<br>|
| Short-Term Fixed Account  | &nbsp;&nbsp; This Fixed Account Option provides fixed-return investment growth for the short-term. It is credited with <br> interest at rates set by USL, which may be lower than the rates credited to Fixed Account Plus, above. The <br> account is guaranteed to earn at least a minimum rate of interest as described in your Contract.<br>|

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Generally, for Portfolio Director Contracts, an interest rate for the Fixed Account Plus and Short-Term Fixed Account is declared at the beginning of each calendar month and is applicable to new contributions received during that month. Interest is credited to the account daily and compounded at an annual rate. You may obtain current interest rates by calling the Annuity Service Center or speaking with your financial professional. Contributions received during a calendar month will receive that month's current interest rate for the remainder of the calendar year. Our practice, though not guaranteed, is to

continue crediting interest at that same rate for such purchase payments for one additional calendar year. Depending on the Fixed Account Option and the terms of your Contract, certain amounts may be consolidated with contributions made during other periods and will be credited with interest at a rate which the Company declares annually on January 1 and guarantees for the remainder of the calendar year.

Factors that influence the declared Fixed Account Option renewal rate include, but are not limited to, the level of US Treasury rates, credit spreads on corporate bonds and other fixed income

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instruments, company asset-liability matching strategies, the length of the Contract withdrawal charge period and the number of years since your annuity Contract was issued. The interest rate of a Fixed Account Option will never be lower than the minimum guaranteed interest rate as described in your Contract. Interest rate crediting policies may change, but any changes will not reduce the guaranteed minimum interest rate provided at the time your Contract was issued or reduce amounts already credited to your account.

Throughout the duration of the Contract, USL may close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the investment options, with advance written

notice. USL may make the Fixed Account Options available or close the Fixed Account Options as frequently as it determines at any point in time while the Contract is in force, provided USL gives advance written notice in each case.

**Impact of Advisory Program Fees**

Please note that if you are enrolled in the Advisory Program, advisory fees deducted from Account Value will also result in a reduction of any Account Value allocated to the Fixed Account Option(s) by the dollar amount assessed for the Advisory Program Fee.

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**Purchase Period** 

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The Purchase Period begins when your first Purchase Payment is made and continues until you begin your Payout Period. This period may also be called the accumulation period, as you save for retirement. Changes in the value of each Fixed Account Option and Variable Investment Option are reflected in your overall Account Value. Thus, your investment choices and their performance will affect the total Account Value that will be available for the Payout Period. The amount, number, and frequency of your Purchase Payments may be determined by the retirement plan for which your Contract was purchased. The Purchase Period will end upon death, upon surrender, or when you complete the process to begin the Payout Period.

**Account Establishment**

You may establish an account through a financial professional. Initial Purchase Payments must be received by USL either with, or after, a completed application. If part of an employer- sponsored retirement plan, your employer is responsible for remitting Purchase Payments to us. The employer is responsible for furnishing instructions to us (a premium flow report) as to the amount being applied to your account (see below).

The maximum single payment that may be applied to any account without prior Company approval is $1,000,000. Minimum initial and subsequent Purchase Payments are as follows:

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| | | |
|:---|:---|:---|
| **Contract Type** | **Initial**<br> **Payment**<br>| **Subsequent**<br> **Payment**<br>|
| Periodic Payment | &nbsp;&nbsp; $30 | &nbsp;&nbsp; $30 |
| Single Payment | &nbsp;&nbsp; $1000 | &nbsp;&nbsp; N/A |

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Periodic Payment minimums apply to each Periodic Payment made. The Single Payment minimum applies to each of your accounts.

When an initial Purchase Payment is accompanied by an application, we will promptly:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accept the application and establish your account within 2 Business Days. We will also apply your Purchase Payment by crediting the amount, effective the date we accept your application, to the Variable Investment Option(s) or Fixed Account Option(s) selected; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Request additional information to correct or complete the application. Once you provide us with the requested information, we will establish your account and apply your Purchase Payment, effective the date we accept your application, by crediting the amount to the Fixed Account Option or Variable Investment Option(s) selected; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reject the application and return the Purchase Payment.

If we receive Purchase Payments from your employer before we receive your completed application or enrollment form, we will not be able to establish a permanent account for you. If this occurs, we will take one of the following actions:

*Return Purchase Payments*. If we do not have your name, address or Social Security Number ("SSN"), we will return the Purchase Payment to your employer unless this information is immediately provided to us; or

*Employer-Directed Account*. At the direction of your employer, provided on a form acceptable to USL and accompanied by certain necessary information (such as name, address, and SSN), we may establish an account for you. In that case we will deposit your Purchase Payment in an "Employer-Directed" account invested in a Money Market Division, or other investment options chosen by your employer, and provide a Contract or certificate. If you want a financial professional to assist you in allocating these amounts, you will first need to provide certain personal and financial information that may be required by the financial professional in order to provide such assistance; or

*Starter Account*. If we have your name, address and SSN, but we do not have an agreement with your employer for employer-directed accounts, we will deposit your Purchase Payment in a "starter" account invested in the Money Market Division option available for your plan or other investment options chosen by your employer. We will send you a follow-up letter requesting the information necessary to complete the application, including your allocation instructions. If we do not receive the necessary information within 105 days, we may return the Purchase Payment to your employer or convert the account to an "unsolicited" account which would be subject to many of the same restrictions as a starter account. You may not transfer these amounts until USL has received a completed application or enrollment form.

If mandated under applicable law, we may be required to reject a Purchase Payment. We may also be required to block a Contract Owner's account and thereby refuse to pay any request for transfers, withdrawals, surrenders, loans or death benefits, until instructions are received from the appropriate regulatory authority.

**When Your Account Will Be Credited**

Depending on your retirement plan, Purchase Payments may be made by your employer for your account. It is the employer's or the individual's responsibility to ensure that the Purchase Payment can be promptly posted to the appropriate account(s).

A Purchase Payment must be "in good order" before it can be posted to your account. "*In good order*" means fully and accurately completed form(s) and/or instructions, including necessary documentation and that all required information and/or documentation applicable to any given transaction has been received by us and, where applicable, that the funds (check,

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wire, or ACH) clearly identify the individual SSN to which they are to be applied. To ensure efficient posting for Employer-Directed accounts, Purchase Payment information must include complete instructions, including the group name and number, each employee's name and SSN, contribution amounts (balanced to the penny for the total purchase) and the source of the funds (for example, employee voluntary, employer mandatory, employer match, transfer, rollover or a contribution for a particular tax year).

If a subsequent Purchase Payment is in good order as described and is received by us by Market Close, the appropriate account(s) will be credited the Business Day of receipt. Purchase Payments in good order received after Market Close will be credited on the next Business Day. See the ***Account Establishment*** section above for information about initial Purchase Payments.

Note that if the Purchase Payment is not in good order, the employer or individual will be notified promptly. No amounts will be posted to any accounts until all issues with the Purchase Payment have been resolved. If a Purchase Payment is not received in good order, the purchase amounts will be posted effective the Business Day all required information is received.

We will allocate Purchase Payments (less any charges) to the Variable Investment Option(s) and Fixed Account Option(s) selected by you. Each selection must be a whole percentage of Purchase Payments.

Throughout the duration of the Contract, USL may close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the investment options, with advance written notice. USL may make the Fixed Account Options available or close the Fixed Account Options as frequently as it determines at any point in time while the Contract is in force, provided USL gives advance written notice in each case.

**Purchase Units**

A Purchase Unit is a unit of interest owned by you in your Variable Investment Option. Purchase Unit values are calculated each Business Day following Market Close. Purchase Units may be shown as "Number of Shares" and the Purchase Unit values may be shown as "Share Price" on some account statements. See "*Purchase Unit Value*" in the SAI for more information and an illustration of the calculation of the unit value.

**Calculation of Value for Fixed Account Options**

The Fixed Account Plus and Short-Term Fixed Accounts are part of the Company's General Account. You may allocate all or a portion of your Purchase Payment to the Fixed Account Options listed in the "*Variable Investment Options and Fixed Account Options*" section in this prospectus. Purchase Payments you allocate to these Fixed Account Options are guaranteed to earn at least a minimum rate of interest. Interest is paid on each of the Fixed Account Options at declared rates, which may be

different for each option. We bear the entire investment risk for the Fixed Account Options. All Purchase Payments and interest earned on such amounts in your Fixed Account Option will be paid regardless of the investment results experienced by the Company's general assets.

The value of your Fixed Account Option(s) is calculated on a given Business Day as shown below:

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| | |
|:---|:---|
|  | Value of Your Fixed Account Option(s) |
| **=** | **(equals)** |
|  | &nbsp;&nbsp; All Purchase Payments made to the Fixed Account <br> Option(s)<br>|
| **+** | **(plus)** |
|  | &nbsp;&nbsp; Amounts transferred from Variable Investment <br> Options to the Fixed Account Option(s)<br>|
| + | **(plus)** |
|  | All interest earned |
| – | **(minus)** |
|  | &nbsp;&nbsp; Amounts transferred or withdrawn from Fixed Account <br> Option(s) (including applicable fees and charges)<br>|
| – | **(minus)** |
|  | &nbsp;&nbsp; Amount deducted for payment of Advisory Program <br> Fees (if applicable)<br>|

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**Calculation of Value for Variable Investment Options** 

You may allocate all or a portion of your Purchase Payments to the Variable Investment Options listed in this prospectus as permitted by your retirement program. An overview of each of the Variable Investment Options may be found in "*Appendix A – Funds Available Under the Contract*" and the "*Variable Investment Options and Fixed Account Options*" section in this prospectus and in each Mutual Fund's prospectus. The Purchase Unit value of each Variable Investment Option will change daily depending upon the investment performance of the underlying Mutual Fund (which may be positive or negative) and the deduction of the Separate Account Charges. See "*Fees and Charges*." Your account will be credited with the applicable number of Purchase Units, including any dividend or capital gains per share declared on behalf of the underlying Fund as of that day. The number of Purchase Units you are credited is calculated the day we process your Purchase Payment. Please see the ***When Your Account Will Be Credited*** section above.

The Purchase Unit value is determined by multiplying the Purchase Unit value for the preceding Business Day by a factor for the current Business Day. The factor is determined by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. dividing the net asset value per share of the underlying Fund at the end of the current Business Day, plus any dividend or capital gains per share declared on behalf of the underlying Fund as of

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that day, by the net asset value per share of the Underlying Fund for the previous Business Day; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. multiplying it by one minus all applicable daily fees and charges.

We determine the number of Purchase Units credited to your Contract by dividing the Purchase Payment by the Purchase Unit value for the specific Variable Investment Option.

If the Purchase Payment is in good order as described and is received by us by Market Close, the appropriate account(s) will be credited the Business Day of receipt and will receive that Business Day's Purchase Unit value. Purchase Payments in good order received by us after Market Close will be credited the next Business Day and will receive the next Business Day's Purchase Unit value. Because Purchase Unit values for each Variable Investment Option change each Business Day, the number of Purchase Units your account will be credited with for subsequent Purchase Payments will vary. **Each Variable Investment Option has its own investment risk. Therefore, the value of your account will fluctuate every Business Day and may be worth more or less at retirement or withdrawal and the entire loss of principal is possible.**

During periods of low short-term interest rates, and in part due to Contract fees and expenses, the yield of a government money market fund may become extremely low and possibly negative. If the daily dividends paid by the underlying Fund are less than the daily portion of the Separate Account Charges, the Purchase Unit value will decrease. In the case of negative yields, your

investment in the Variable Investment Option, which may invest in a government money market fund, will lose value.

**Stopping Purchase Payments**

You may stop Purchase Payments at any time. You may resume Purchase Payments thereafter during the Purchase Period. The value of the Purchase Units will continue to vary, and your Account Value will continue to be subject to applicable fees and charges. The Account Value will be considered surrendered when you begin the Payout Period. You may not make Purchase Payments during the Payout Period.

If both your Account Value and Purchase Payments (less any withdrawals) fall below $300, and you do not make any Purchase Payments for at least a two-year period, we may close the account and pay the Account Value to the Participant. We will not assess a surrender charge in this instance. Any such account closure will be subject to applicable distribution restrictions under the Contract and/or under your employer's plan.

**Impact of Deduction of Advisory Program Fee on Purchase Payments**

If you are enrolled in an Advisory Program, payment of your advisory fees will result in a deduction of your Contract value by the dollar amount assessed by your investment adviser for the Advisory Program Fee and will result in a reduction of Purchase Units by that amount.

**Advisory Program**

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The Contract may be used where you have engaged the Investment Adviser to provide advice regarding the periodic allocation of investments within the Contract. As long as you are enrolled in an Advisory Program, your Investment Adviser will provide you with investment advice and will be responsible for providing transfer and reallocation instructions to USL. You may terminate an Advisory Program at any time. If you terminate the Advisory Program, your Contract will remain in force.

Your Investment Adviser is not acting on USL's behalf but rather is acting on your behalf. USL is not responsible for any investment advice that is provided to you by your Investment Adviser. USL does not offer advice about how to allocate your Account Value. USL is not responsible for any recommendations that your Investment Adviser makes, any investment models or asset allocation programs they choose to follow, or any specific transfers that are made on your behalf.

*We do not honor transfer instructions in connection with any other advisory programs that are offered through third-party, non-affiliated Investment Advisers.*

**Advisory Agreement and Fees** 

**When you enroll in the Advisory Program, you will enter into an investment advisory agreement (the "Advisory Agreement") with the Investment Adviser. USL is not a party to the Advisory Agreement.** 

**Your Investment Adviser may direct USL to withdraw a specified amount from your Account Value for the payment of advisory fees under the Advisory Program (the "Advisory Program Fee") pursuant to authorizations that you have provided to your Investment Adviser.** If you are enrolled in the Advisory Program, your Advisory Agreement will be with our affiliate, VFA, and USL will be provided with a copy of the Advisory Agreement in which you authorize USL to deduct the Advisory Program Fee from your Account Value. The Advisory Program Fee charged by your Investment Adviser is in addition to any fees and expenses charged under your Contract. The Advisory Program Fee will be calculated by applying the applicable fee schedule to the Account Value at each calendar quarter end and will be deducted from your Account Value within fifteen (15) days after the end of such calendar quarter.

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The Advisory Program Fee will be based on the value of assets in the account eligible to be managed in the Advisory Program. If you enrolled in the Advisory Program during the calendar quarter, you pay a fee only for those days in which you were enrolled in the Advisory Program. If, prior to a calendar quarter-end, the Advisory Program is terminated, the entire Account Value is transferred out of your account, or your plan sponsor terminates the Advisory Program, we will not deduct an Advisory Program Fee for that quarter.

Partial withdrawals, including those taken to pay the Advisory Program Fee, can reduce certain benefits guaranteed under the Contract, including Contract death benefits and other annuity benefits. This reduction of these guaranteed benefits resulting from the withdrawal for payment of the Advisory Program Fees will be the dollar amount of the fee assessed by your investment adviser, and, as described above, is based on a percentage of the Account Value managed by the Advisory Program. For a more detailed explanation about how the assessment of the Advisory Program Fees can affect the benefits under this Contract, please see **Impact of Deduction of Advisory Program Fees on Death Benefit** in the *Death Benefits* section and **Impact of Advisory Program Fees on Payout Payments** in the *Payout Period* section.

Please see "*Federal Tax Matters*" section and consult your tax professional regarding the impact of the Advisory Program Fees before making any election to do so.

**Reallocations & Transfer Instructions** 

While the Advisory Program is in place, you are prohibited from making transfers among investment options in the Contract. During such period, transfer instructions may only be provided by the Investment Adviser. If you terminate the Advisory Program, you may make transfers among the investment options subject to the transfer restrictions in the section below entitled "Transfer Between Investment Options."

Unless you direct us otherwise, your Investment Adviser will forward instructions regarding the allocation of your Account

Value, and will request financial transactions involving investment options. **If your Investment Adviser has this authority, we deem that all such transactions that are directed by your Investment Adviser with respect to your Contract have been authorized by you.** You will receive a confirmation of any financial transactions involving the purchase or sale of Purchase Units. You must contact us immediately by calling 1-800-448-2542 to request a termination form if and when you want to revoke such authority. We will not be responsible for acting on instructions from your Investment Adviser until we receive notification of the revocation of such person's authority. We may also suspend, cancel, or limit the Investment Adviser's authorization at any time. In addition, we may restrict the investment options available for transfers or allocation of Purchase Payments including closing one or more of the Fixed Account Options to deposits or transfers, and to transfers among the Investment Options, where advanced written notice is provided. We will notify you and your Investment Adviser if we implement any such restrictions or prohibitions.

Transfers and reallocations made by your Investment Adviser are subject to the restrictions on transfers between Investment Options that are discussed in the section below entitled "*Transfers Between Investment Options*."

**Termination of the Advisory Program** 

You may terminate the Advisory Program at any time. However, the terms and conditions of how to terminate the Advisory Program will be set forth in your Advisory Agreement. Please consult with your Investment Adviser if you have questions about terminating the Advisory Program. We may continue to rely on instructions from your Investment Adviser until we receive notice of termination of the Advisory Agreement. If you terminate the Advisory Program, your Contract will remain in force.

In order for you to transfer Account Value among investment options, you must first terminate the Advisory Program.

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**Transfers Between Investment Options** 

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You may transfer all or part of your Account Value between the various Variable Investment Options and Fixed Account Options in Portfolio Director up to the applicable limits without a charge. Transfers may be made during the Purchase Period or during the Payout Period, subject to certain restrictions. If you are enrolled in an Advisory Program, in order for you to transfer Account Value among investment options, you must first terminate the Advisory Program. **We reserve the right to limit the number, frequency (minimum period of time between transfers) or dollar amount of transfers you can make and to restrict the method and manner of providing or communicating transfers or reallocation instructions.** You will be notified of any changes to this policy through written and/or electronic notices or information posted online at www.corebridgefinancial.com/rs.

**During the Purchase Period — Policy Against Market Timing and Frequent Transfers**

USL has a policy to discourage excessive trading and market timing. Our investment options are not designed to accommodate short-term trading or "market timing" organizations, or individuals engaged in certain trading strategies, such as programmed transfers, frequent transfers, or transfers that are large in relation to the total assets of a mutual fund. These trading strategies may be disruptive to mutual funds by diluting the value of the fund shares, negatively affecting investment strategies and increasing portfolio turnover. Excessive trading may also raise fund expenses, such as recordkeeping and transaction costs, and can potentially harm fund performance. Further, excessive trading may harm fund investors, as the excessive trader takes security profits intended for the entire fund and could force securities of the underlying Fund to be sold to meet redemption needs. The premature selling and disrupted investment strategy could cause the fund's performance to suffer, and exerts downward pressure on the fund's price per share.

Accordingly, USL has certain policies and procedures intended to discourage short-term trading. If you sell Purchase Units in a

Variable Investment Option valued at $5,000 or more, whether through an exchange, transfer, or any other redemption, you will not be able to make a purchase of $5,000 or more in that same Variable Investment Option for 30 calendar days.

This policy applies only to investor-initiated trades of $5,000 or more, and does not apply to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Plan-level or employer-initiated transactions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Purchase transactions involving transfers of assets or rollovers;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Retirement plan contributions, loans, and distributions (including hardship withdrawals);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Systematic purchases or redemptions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Systematic account reallocations and/or rebalancing; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Trades of less than $5,000.

Transfers resulting from your participation in the GPS Portfolio Manager Program administered by VFA will not count against these transfer limitations.

As described in a Fund's prospectus and statement of additional information, in addition to the above, fund purchases, transfers and other redemptions may be subject to other investor trading policies, including redemption fees, if applicable. Certain Funds may set limits on transfers in and out of a Fund within a set time period in addition to or in lieu of the policy above. Also, an employer's benefit plan may limit an investor's rights to transfer.

We intend to enforce these investor trading policies uniformly. We make no assurances, however, that all the risks associated with frequent trading will be completely eliminated by these policies and/or restrictions. If we are unable to detect or prevent market timing activity, the effect of such activity may result in additional transaction costs for the investment options and dilution of long-term performance returns. Thus, your account value may be lower due to the effect of the extra costs and resultant lower performance. We reserve the right to modify these policies at any time.

Throughout the duration of the Contract, USL may close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the investment options, with advance written notice. The Fixed Account Options are also subject to additional restrictions:

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| | | | |
|:---|:---|:---|:---|
| **Fixed Account Option** | **Value** | **Frequency** | **Other Restrictions** |
| Fixed Account Plus: | Up to 20% per <br> Participant Year<br>| At any time | If you transfer assets from Fixed Account Plus to another investment <br> option, any assets transferred back into Fixed Account Plus, if <br> permitted, within 90 days may receive a different rate of interest than <br> your new Purchase Payments.<sup>(1)</sup> <br>|
| Fixed Account Plus: | 100% | At any time | If Account Value is less than or equal to $500. |

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| | | |
|:---|:---|:---|
| **Fixed Account Option** | **Value** | **Frequency** |
| Short-Term Fixed Account: | Up to 100% | At any time<br> After a transfer into the Short-Term Fixed Account, you may not make <br> a transfer from the Short-Term Fixed Account for 90 days.<sup>(2)</sup> <br>|

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<sup>(1)</sup> If multiple transfers are made in a Participant Year, the percentages of the Account Value transferred each time will be added together to determine the 20% transfer limit for that Certificate Year. Your employer may further limit or expand the restrictions. We may charge for those modified restrictions if specified in your employer's retirement plan. See *Fixed Account Plus Excess Transfer Charge* for transfers in excess of the 20% limitation.

<sup>(2)</sup> USL may change this holding period at any time in the future, but it will never be more than 180 days.

Contracts issued in connection with certain plans or programs may have different transfer restrictions due to the higher interest rates offered on Fixed Account Plus. From time to time, we may waive the 20% transfer restriction on Fixed Account Plus for transfers to other investment options.

**Communicating Transfer or Reallocation Instructions**

Transfer instructions may be given by telephone, through the internet, using the self-service automated phone system, or in writing. We encourage you to make transfers or reallocations through the internet or the self-service automated phone system for most efficient processing. We will send a confirmation of transactions to the Participant within five days from the date of the transaction. It is your responsibility to verify the information shown and notify us of any errors within 30 calendar days of the transaction.

Generally, no one may give us telephone instructions on your behalf without your written or recorded verbal consent. Financial professionals or authorized broker-dealer employees who have

received client permission to perform a client-directed transfer of value via the telephone or internet will follow prescribed verification procedures.

When receiving instructions over the telephone or online, we follow appropriate procedures to provide reasonable assurance that the transactions executed are genuine. Thus, we are not responsible for any claim, loss or expense from any error resulting from instructions received over the telephone or online. If we fail to follow our procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We reserve the right to modify, suspend, waive or terminate these transfer provisions at any time.

**Effective Date of Transfer**

The effective date of a transfer will be:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The date of receipt, if received in good order by us before Market Close; otherwise,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The next date values are calculated.

**Transfers During the Payout Period**

During the Payout Period, transfer instructions must be given in writing and mailed to the Annuity Service Center. Transfers may be made between the Contract's investment options subject to the following limitations:

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| | | |
|:---|:---|:---|
| **Payout Option** | **% of Account Value** | **Frequency** |
| Variable Payout: | Up to 100% | Once every 365 days |
| Combination Fixed and Variable Payout: | Up to 100% of money in variable option payout only | Once every 365 days |
| Fixed Payout: | Not permitted | N/A |

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**Fees and Charges** 

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By investing in Portfolio Director, you may be subject to these fees and charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Premium Tax Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Charges (referred to as "Base Contract Expenses" under "Fee Tables")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fund Expenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Advisory Program Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other Charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fixed Account Plus Excess Transfer Charge

These fees and charges are applied to the Variable Investment Options and Fixed Account Options in proportion to the Account Value as explained below. Unless we state otherwise, we or our affiliates may profit from these fees and charges. For additional information about these fees and charges, see the *"Fee Table*" section above.

**Fixed Account Plus Excess Transfer Charge**

Transfers from the Fixed Account Plus option are limited to 20% per Participant Year. See "Transfers Between Investment Options." Transfers in excess of this limitation will be permitted; however, the excess amount transferred will be subject to a charge of 5% on the excess amount transferred. Withdrawals from the Fixed Account Option to another funding entity are considered "transfers" for purposes of this limitation.

*Exceptions to Fixed Account Plus Excess Transfer Charge* 

This charge will not be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To transfers from the Fixed Account Option within the 20% per Participant Year limitation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To money applied to provide a payout option;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To death benefits;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If, after the original Contract issue date, you have become totally and permanently disabled, defined as follows: you are unable, due to mental or physical impairment, to perform the material and substantial duties of any occupation for which you are suited by means of education, training or experience; the impairment must have been in existence for more than 180 days; the impairment must be expected to result in death or be long-standing and indefinite and proof of disability must be evidenced by a certified copy of a Social Security Administration determination or a doctor's verification; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you retire or are separated from service.

**Premium Tax Charge**

Premium taxes are imposed by some states, cities, counties, and towns. The rate will range from 0% to 3.5%. Such tax will

be deducted from the Account Value when annuity payments are to begin. We will not profit from this charge. See Appendix B for variations of the premium tax charge that may be applicable in your state.

**Separate Account Charges** 

The Separate Account Charge (also referred to as a Base Contract Expense) is 0.20%. This Separate Account Charge is guaranteed and cannot be increased by the Company. For a discussion of how the Separate Account Charges impact the calculation of each Division's unit value, see "*Purchase Unit Value*" in the SAI.

The Separate Account Charges compensate the Company for assuming certain risks under Portfolio Director. The Company assumes the obligation to provide payments during the Payout Period for your lifetime, no matter how long that might be. In addition, the Company assumes the obligation, during the Purchase Period, to pay a guaranteed death benefit. The Separate Account charges also may cover the costs of issuing and administering Portfolio Director and administering and marketing the Variable Investment Options, including but not limited to enrollment, participant communication and education. Separate Account Charges are applied to Variable Investment Options during both the Purchase Period and Payout Period.

The Separate Account Charges may be reduced if issued to certain types of plans that are expected to result in lower costs to USL, as discussed below. The Separate Account Charges are guaranteed and may not be increased for the life of your Contract.

*Reduction or Waiver of Account Maintenance, Surrender, or Separate Account Charges* 

We may, as described below, determine that the account maintenance charge, surrender charges, or Separate Account charges for Portfolio Director may be reduced or waived. We may reduce or waive these charges if we determine that your retirement program will allow us to reduce or eliminate administrative or sales expenses that we usually incur for retirement programs. There are a number of factors we will review in determining whether your retirement program will allow us to reduce or eliminate these administrative or sales expenses:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The type of retirement program. Certain types of retirement programs, because of their stability, can result in lower administrative costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The nature of your retirement program. Certain types of retirement programs, due to the types of employees who participate, experience fewer account surrenders, thus reducing administrative costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other factors of which we are not presently aware that could reduce administrative costs.

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We review the following additional factors to determine whether we can reduce or waive account maintenance charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The frequency of Purchase Payments for your retirement program. Purchase Payments received no more than once a year can reduce administrative costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The administrative tasks performed by your employer for your retirement program.

The employer sponsoring your retirement program can, through its method of remitting Purchase Payments, reduce administrative costs.

We review the following additional factors to determine whether we can reduce surrender charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The size of your retirement program. A retirement program that involves a larger group of employees may allow us to reduce sales expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The total amount of Purchase Payments to be received for your retirement program. Larger Purchase Payments can reduce sales expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The use of mass enrollment or related administrative tasks performed by your employer for your retirement program.

We review the following additional factors to determine whether we can reduce the Separate Account charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The frequency of Purchase Payments for your retirement program.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The size of your retirement program.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The amount of your retirement program's periodic Purchase Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The method of remitting periodic Purchase Payments.

In no event will the reduction or waiver of fees and charges be permitted where the reduction or waiver would not treat similarly situated Contract Owners differently.

Additionally, under certain circumstances, and at USL's sole discretion, USL may issue a Contract credit for amounts transferred on behalf of a group contract from another plan or provider, pursuant to the terms of the Contract.

**Payments from Mutual Funds** 

Some of the Mutual Funds or their affiliates have an agreement with the Company to pay the Company for administrative, recordkeeping and shareholder services it provides to the underlying Fund. We receive payments for the administrative services we perform, such as account recordkeeping, mailing of Fund related information and responding to inquiries about the Funds. Currently, these payments range from 0.00% to 0.35% of

the market value of the assets invested in the underlying Fund as of a certain date, usually paid at the end of each calendar quarter.

We may also receive what is referred to as "12b-1 fees" and non-12b-1 service fees from certain underlying Funds. These fees are designed to help pay for our direct and indirect distribution costs. The 12b-1 fees and non-12b-1 service fees are generally equal to 0.25% of the daily market value of the assets invested in the underlying Fund.

From time to time some of these Fund arrangements may be renegotiated so that we receive a greater payment than previously paid.

**Fund Expenses**

Charges deducted from, and expenses paid out of, the assets of the Funds are described in the prospectuses for the Funds.

**Advisory Program Fees**

If you enrolled in an Advisory Program, your Investment Adviser may direct USL to withdraw a specified amount from your Account Value for the payment of the Advisory Program Fee pursuant to authorizations that you have provided to your Investment Adviser. The authorization for USL to deduct amounts from your Contract for payment of the Advisory Program Fee is included in the Advisory Agreement you signed with your Investment Adviser upon enrollment of the Advisory Program. The Advisory Program Fee charged by your Investment Adviser is in addition to any fees and expenses charged under your Contract. The Advisory Program Fee will be calculated by applying the applicable fee schedule to the Account Value at each calendar quarter end and will be deducted from your Account Value within fifteen (15) days after the end of such calendar quarter. The Advisory Program Fee will be based on the value of assets in the account eligible to be managed in the Advisory Program. If you enrolled in the Advisory Program during the quarter, you pay a fee only for those days in which you were enrolled in the Advisory Program. If, prior to a quarter-end, the Advisory Program is terminated, the entire Account Value is transferred out of your account, or your plan sponsor terminates the Advisory Program, we will not deduct an Advisory Program Fee for that quarter. You may terminate your participation in the Advisory Program at any time for any reason upon written notice to the Investment Adviser.

Deduction of the Advisory Program Fee may reduce certain benefits guaranteed under the Contract, including Contract death benefits and other annuity benefits, by the dollar amount of the Advisory Program Fee and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax. Please see "*Impact of Advisory Program Fees*" in the **Death Benefits**, **Payout Period** and **Federal Tax Matters** sections. Please consult your tax professional regarding the impact of

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deducting advisory fees from Account Value before making any election to do so. See "Advisory Program" for more details.

**Other Charges**

We reserve the right to charge for certain taxes that we may have to pay. This could include federal income taxes. Currently, no such charges are being made.

Fees for plan services provided by parties other than USL or its affiliates may be assessed to participant accounts upon the direction or authorization of a plan representative. Additional

fees may be withdrawn from client accounts in accordance with a client's independent investment advisory contract. Such withdrawals will be identified on applicable participant account reports or client statements.

Plan loans from the Fixed Account Options may be allowed by your employer's plan. Refer to your plan for a description of charges and other information concerning plan loans. We reserve the right to charge a fee of up to $75 per loan (if permitted under state law) and to limit the number of outstanding loans.

**Payout Period**

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The Payout Period begins when you decide to retire or when you elect to annuitize all or a portion of your Account Value. If your employer's plan permits, you may apply any portion of your Account Value to one of the types of payout options listed below. You may choose to have your Payout Payments on either a fixed basis, a variable basis, or a combination of fixed and variable basis. When you choose to have your Payout Payments on a variable basis, you may keep the same Variable Investment Options in which your Purchase Payments were made, or transfer to different ones. If you do not elect the basis upon which your Payout Payments will be made, the Payout Payments will mirror the allocation of investment options in your Contract upon annuitization. For example, if your Account Value is allocated solely to the Variable Investment Options upon annuitization and you have not made an election, Payout Payments will be made on a variable basis, or, if your Account Value is allocated to a Fixed Account Option, Payout Payments will be made on a fixed basis. Similarly, if your Account Value is allocated to both Variable Investment Options and Fixed Account Options, Payout Payments will be made on a combination of fixed and variable basis.

**Payout Payments on a Fixed Basis**

Under a payout on a fixed basis, you will receive payments that are fixed and guaranteed by the Company. The amount of these payments will depend on:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Type and duration of payout option chosen;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your age or your age and the age of your survivor<sup>(1)</sup>;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your gender or your gender and the gender of your survivor<sup>(1)</sup>;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The portion of your Account Value being applied; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The payout rate being applied and the frequency of the payments.

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<sup>(1)</sup>

This applies only to joint and survivor payouts.

If the benefit would be greater, the amount of your payments will be based on the current payout rate the Company uses for immediate annuity contracts.

**Assumed Investment Rate**

An "Assumed Investment Rate" or "AIR" is the rate used to determine your first monthly Payout Payment per thousand dollars of account value in your Variable Investment Option. When you decide to enter the Payout Period, you will select your Payout Option, your Annuity Date, and the AIR. If you choose a higher AIR, the initial Annuity Payment will be higher, but later payments will increase more slowly during periods of good investment performance and decrease faster during periods of poor investment performance. Once the AIR is established, it cannot be changed. Rates of 3%, 3.5%, 4.5%, 5% or a higher rate may be chosen if permitted by state law and regulations. If no AIR is chosen, the AIR will be 3.5%. The dollar amount of the variable income payments stays level if the net investment return equals the AIR. Your choice of AIR may affect the duration and frequency of payments, depending on the Payout Option selected. For example, a higher AIR will generate a higher initial Payout Payment, but, as Payout Payments continue, they may become smaller, and eventually could be less than if you had initially selected a lower AIR. The frequency of the Payout Payments may lessen to ensure that each Payout Payment is at least $25 per month.

**Payout Payments on a Variable Basis**

With a payout on a variable basis, you may select from your existing Variable Investment Options. Your payments will vary accordingly. This is due to the varying investment results that will be experienced by each of the Variable Investment Options you selected. The Payout Unit value is calculated just like the Purchase Unit value for each Variable Investment Option except that the Payout Unit value includes a factor for the AlR you select. For additional information on how Payout Payments and Payout Unit Values are calculated, see the *SAI*.

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In determining your first Payout Payment, an AIR of 3.5% is used (unless you select a higher rate as allowed by state law). If the net investment experience of the Variable Investment Option exceeds your AIR, your subsequent payments will be greater than your first payment. If the investment experience of the Variable Investment Option is lower than your AIR, your subsequent payments will be less than your first payment.

**Payout Payments on a Combination of a Fixed and Variable Basis**

With a combination fixed and variable payout, you may choose:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• From your existing Variable Investment Options (payments will vary); with a

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fixed payout (payment is fixed and guaranteed).

**Partial Annuitization/No Commutations**

A Participant may choose to annuitize a portion of the Account Value. This will, in essence, divide the Account Value into two parts. The current non-annuitized amount would continue as before, and the Participant can continue to take withdrawals on this part of the Account. The annuitized amount will be effectively moved to a new Payout Payment account which will not allow any additional withdrawals. Thus, the death benefit in such a situation would be reduced to the value of the amount remaining in the account minus the amount applied to Payout Payments. Depending on the payout option selected, there may also be a death benefit from the annuitized portion of the account, such as a payout for a guaranteed period. Full or partial commutations by the Participant are not permitted.

**Payout Date**

The payout date is the date elected by you on which the annuity Payout Payments will start. The date elected must be the first of any month. A request to start payments must be received in the Annuity Service Center on a form or through other media approved by USL. This request must be received by USL by at least the fifteenth (15th) day of the month prior to the month you wish your annuity payments to start. Your account will be valued ten days prior to the beginning of the month in which the Payout Payments will start.

The following additional rules also apply when determining the payout date:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The earliest payout date for qualified Contracts is generally subject to the terms of the employer-sponsored plan (including 403(b) plans and programs) under which the Contract is issued and the federal tax rules governing such Contracts and plans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Distributions from qualified Contracts issued under employer-sponsored retirement plans generally are not permitted until after you stop working for the employer sponsoring the plan unless you have experienced a

qualifying financial hardship or unless you have become disabled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In certain cases, and frequently in the case of your voluntary deferrals to a 403(b) plan, you may begin taking distributions when you attain age 59½ even if you are still working for the employer sponsoring the plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Distributions generally must begin no later than April 1 following the calendar year you reach age 72 or the calendar year in which you retire, if later.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All Contracts require distributions to commence within a prescribed period after the death of the Contract Owner/Participant, subject to the specific rules which apply to the type of plan or arrangement under which the contract is issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Contract may also impose minimum amounts for annuity payments, either on an annual or on a more frequent periodic basis.

For additional information on plan-level distribution restrictions and on the minimum distribution rules that apply to payments under 403(b) plans, see "*Federal Tax Matters*" in this prospectus and in the SAI.

**Payout Options**

You may specify the manner in which your Payout Payments are made. If you do not select a payout option, annuity payments will be made on the basis of Life with a 10-year period certain commencing on the Annuity Date. You may select one of the following options:

1. ***Life Only*** — payments are made only to you during your lifetime. Under this option there is no provision for a death benefit for the Beneficiary. For example, it would be possible under this option for the Annuitant to receive only one Payout Payment if the Annuitant died prior to the date of the second payment, or two if the Annuitant died before the third payment.

2. ***Life with Guaranteed Period*** — payments are made to you during your lifetime, but if you die before the guaranteed period has expired, your Beneficiary can receive payments for the rest of your guaranteed period or take a lump-sum distribution.

3. ***Life with Cash or Unit Refund*** — payments are made to you during your lifetime. These payments are based upon your life expectancy and will continue for as long as you live. If you do not outlive the life expectancy calculated for you, upon your death, your Beneficiary may receive an additional payment. The additional payment under a fixed annuity, if any, is equal to the fixed annuity value of the Contract Owner's Account at the time it was valued for the payout date, less the Payout Payments. The additional

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payment under a variable annuity, if any, is equal to the variable annuity value of the Contract Owner's Account as of the date we receive Proof of Death, less the Payout Payments.

4. ***Joint and Survivor Life*** — payments are made to you during the joint lifetime of you and a second person. Upon the death of one, payments continue during the lifetime of the survivor. This option is designed primarily for couples who require maximum possible variable payouts during their joint lives and are not concerned with providing for beneficiaries at the death of the last survivor. For example, it would be possible under this option for the joint Annuitants to receive only one payment if both Annuitants died prior to the date of the second payment, or for the joint Annuitants to receive only one payment and the surviving Annuitant to receive only one payment if one Annuitant died prior to the date of the second payment and the surviving Annuitant dies prior to the date of the third payment. For example, if the Annuitant dies before receiving a Payout Payment the first Payout Payment will be made to the second designated person. If both the Annuitant and the second designated person die before the first Payout Payment is made, no Payout Payments will be made.

5. ***Payment for a Designated Period*** — payments are made to you for a select number of years between five and 30. Upon your death, payments will continue to your Beneficiary until the designated period is completed.

**Payout Information**

Once your Payout Payments have begun, the option you have chosen may not be stopped or changed. Any one of the Variable Investment Options may result in your receiving unequal payments during the Payout Period. If payments begin before age 59½, you may suffer unfavorable tax consequences, in the form of a penalty tax, if you do not meet an exception under federal tax law. See "Federal Tax Matters."

Under certain retirement plans, federal pension law may require that payments be made under the joint and survivor life payout option. Additionally, certain retirement plans may only permit a 5-year payout period for Payout Payments.

Most Payout Payments are made monthly. The first Payout Payment must total at least $25, and the annual payment must be at least $100. If the amount of a payment is less than $25, we reserve the right to reduce the frequency of payments so that each payment is at least $25, subject to any limitations under the Contract or plan.

For more information about payout options or enhancements of those payout options available under the Contract, see the *SAI*.

**Impact of Advisory Program Fees on Payout Payments**

If you are participating in the Advisory Program and your Investment Adviser's fee is deducted from your Contract, the deduction of the Advisory Program Fee will reduce the annuitization benefit. This deduction will be the dollar amount assessed for the Advisory Program Fee and is based on a percentage of the Contract value managed by the Advisory Program. The examples below assess the impact of the deduction of Advisory Program Fees on the Contract's value upon annuitization, assuming an initial $100 deposit.

1. If, at the payout date, the Contract value has increased to $120 and you have had $1 deducted for the Advisory Program Fee, the Contract value is reduced to $119. Your Payout Payments will be based on a Contract value of $119.

2. If, at the payout date, the Contract value has decreased to $90 and you have had $1 deducted for the Advisory Program Fee, the Contract value is reduced to $89. Your Payout Payments will be based on a Contract value of $89.

**Surrender of Account Value**

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**When Surrenders Are Allowed**

You may withdraw all or part of your Account Value at any time before the Payout Period begins if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• allowed under federal and state law; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• allowed under your employer's plan.

For Purchase Payments that are contributions made under your employer's plan, such as a 403(b) plan, surrenders are subject to the terms of the plan, in accordance with the Code. Qualified plans often require certain conditions to be met before a distribution or withdrawal may take place. See *"Surrender Restrictions"* below*.*

For an explanation of charges that may apply if you surrender your Account Value, see *"Fees and Charges"* in this prospectus. Additionally, you may incur a 10% federal tax penalty for partial or total surrenders made before age 59½.

*Delay of payment.* We may be required under applicable law to block a request for a surrender until we receive instructions from the appropriate regulator, due to the USA PATRIOT Act. In addition, we may defer making payments from of the Fixed Account Options for up to six months, or less, if required by law. If payment is deferred, interest will accrue until the payment is made.

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USL may be required to suspend or postpone the payment of a withdrawal for more than 7 days when: (1) the NYSE is closed (other than a customary weekend and holiday closings); (2) trading with the NYSE is restricted; (3) an emergency exists such that disposal of or determination of the value of shares of the Variable Investment Options is not reasonably practicable; or (4) the SEC, by order, so permits for the protection of Contract Owners.

**Surrender Process**

If you are allowed to surrender all or a portion of your Account Value during the Purchase Period as noted above, then you must complete a surrender request form or information required in other approved media and submit it to the Annuity Service Center. We will mail the surrender value to you within seven calendar days after we receive your request if it is in good order.

We may be required to suspend or postpone payments if redemption of an underlying Fund's shares have been suspended or postponed. See the *applicable Fund prospectus* for a discussion of the reasons why the redemption of shares may be suspended or postponed*.*

We may receive a surrender for a Purchase Payment that has not cleared the banking system. We may delay payment of that portion of your surrender value until the check or electronic funds transfer clears.

**Amount That May Be Surrendered**

The amount that may be surrendered during the Purchase Period can be determined as follows:

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| | | |
|:---|:---|:---|
| Allowed<br> Surrender<br> Value<br>| **= (equals)** | &nbsp;&nbsp; Your Account Value(1)<br> - **(minus)**<br> Any applicable<br> surrender charge<br>|

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(1) Equals the Account Value next computed after your properly completed request for surrender is received in the Annuity Service Center.

There is no guarantee that the surrender value in a Variable Investment Option will ever equal or exceed the total amount of your Purchase Payments received by us. The surrender value in a Fixed Account Option will never be less than the Purchase Payments allocated to the Fixed Account Option (less amounts transferred to a Variable Investment Option or withdrawn from the Fixed Account Option).

**Surrender Restrictions**

Generally, Code section 403(b)(11) permits total or partial distributions from your voluntary contributions to a 403(b) contract only on account of hardship (employee

contributions only without accrued interest), attainment of age 59½, separation from service, death or disability. Similar restrictions apply to any amount transferred to a 403(b) contract from a 403(b)(7) custodial account. In addition, beginning for contracts issued on or after January 1, 2009, employer contributions and non-elective contributions to a 403(b) annuity contract are subject to restrictions specified in Treasury regulations as specifically imposed under the employer's plan.

Single sum surrenders and partial surrenders out of the plan are not permitted, unless they are rollovers to another qualified plan or individual retirement account ("IRA"), except for death benefits.

Employer-sponsored plans may also impose restrictions on the timing and form of surrenders from the Contract.

**Partial Surrenders**

You may request a partial surrender of your Account Value at any time during the Purchase Period, subject to any applicable surrender restrictions. A partial surrender plus any surrender charge, if any, will reduce your Account Value. You may specify an amount to be taken from each Fund or the amount will be distributed pro-rata against all Funds. If you do not specify, the distribution will be taken pro-rata against the Variable Investment Options and Fixed Account Options.

The reduction in the number of Purchase Units credited to your Variable Investment Option Account Value will equal:

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| | | |
|:---|:---|:---|
| The amount<br> surrendered from the<br> Variable Investment Option<br> + **(plus)**<br> Any applicable surrender charge<br>| &nbsp;&nbsp; ÷<br> **(divided**<br> **by)**<br>| &nbsp;&nbsp; Your Purchase Units<br> next computed after the<br> written request for<br> surrender is received at<br> the Annuity Service Center<br>|

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If your Account Value falls below a certain dollar amount and you do not make a Purchase Payment over a certain period of time, as specified in your Contract, we may close your account and pay the Account Value to you.

**Distributions Required by Federal Tax Law**

There will be no surrender charge on RMD's if the withdrawal:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Is made payable to you; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Does not exceed the amount required under federal tax law as determined by the values in your Portfolio Director Contract and USL.

You may select the specific investment option(s) from which to take distributions for most payment options, or you may elect to have your payment distributed proportionally across all the investment options in which you are invested. See *"Federal Tax Matters"* for more information about required distribution rules.

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**Exchange Privilege**

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From time to time, we may offer to exchange certain fixed or variable contracts into Portfolio Director Contracts. Such an exchange offer will be made in accordance with applicable

federal securities laws and state insurance rules and regulations. We will provide the specific terms and conditions of any such exchange offer at the time the offer is made.

**Benefits Available Under the Contract**

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**The following tables summarize information about the benefits available under the Contract.** 

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| | | | |
|:---|:---|:---|:---|
| **Standard Benefits** | **Standard Benefits** | **Standard Benefits** | **Standard Benefits** |
| **Name of Benefit** | **Purpose** | **Maximum Fee** | **Brief Description of Restrictions / Limitations** |
| Standard Death <br> Benefit<br>| &nbsp;&nbsp; Provides a death benefit <br> based on the greater of <br> Account Value or net <br> Purchase Payments<br>| No Charge | &nbsp;&nbsp; •Payable only during the Purchase Period<br> •Payable if death occurs at any age<br> •Withdrawals, including withdrawals to pay your advisory <br> fees, may significantly reduce the benefit<br> •If you have elected to enroll in the Advisory Program, the <br> Advisory Program Fees may reduce the death benefit. <br> Please see "**Impact of the Deduction of Advisory Program** <br> **Fees in Death Benefits**" in the "*Death Benefits*" section <br> below<br>|
| Systematic <br> Withdrawals<br>| &nbsp;&nbsp; Allows you to <br> automatically receive <br> withdrawals on a <br> regular basis during the <br> Purchase Period<br>| No Charge | &nbsp;&nbsp; •No more than one systematic withdrawal election may be in <br> effect at any time<br> •We reserve the right to discontinue any or all systematic <br> withdrawals or to change the terms at any time<br>|
| Loans | &nbsp;&nbsp; Provides tax-free <br> access to amounts <br> invested in Fixed <br> Account Options<br>| &nbsp;&nbsp; $75 application <br> fee (per loan, <br> where permitted <br> by state law<sup>1</sup>)<br> Maximum net <br> interest rate 6%<br>| &nbsp;&nbsp; •Available only during the Purchase Period<br> •May not be taken against amounts invested in Variable <br> Investment Options<br> •Interest will accrue on outstanding loan amounts<br> •Minimum loan amount is $1,000<br>|

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| | | | |
|:---|:---|:---|:---|
| **Standard Benefits** | **Standard Benefits** | **Standard Benefits** | **Standard Benefits** |
| **Name of Benefit** | **Purpose** | **Maximum Fee** | **Brief Description of Restrictions / Limitations** |
| Advisory Program | &nbsp;&nbsp; The investment advice <br> service provided by <br> your Investment <br> Adviser<br>| Not applicable | &nbsp;&nbsp; •A separate investment advisory fee and agreement is <br> required<br> •May not be available under your employer's retirement plan <br> or in connection with your Contract<br> •If you pay any investment adviser fee from the Contract, <br> any deduction may reduce the death benefit and annuity <br> benefits, and may be subject to surrender charges, federal <br> and state income taxes and a 10% federal penalty tax.<br> •Currently, we do not honor investment adviser transfer <br> requests in connection with Advisory Programs that are <br> offered through third-party Investment Advisers.<br> •You are encouraged to discuss the Advisory Program with <br> your financial professional and the impact that Advisory <br> Program Fees may have on your Contract Value before <br> electing to enroll in the Advisory Program. For more <br> information about how the deduction of Advisory Program <br> Fees may affect your Contract, please see "**Impact of** <br> **Deduction of Advisory Program Fee on Purchase** <br> **Payments**" in the "*Purchase Period*" section above, <br> "**Impact of Advisory Program Fees on Payment Payments**" <br> in the "*Payout Period*" section above, and the "**Impact of** <br> **the Deduction of Advisory Program Fees on Death** <br> **Benefit**" in the "*Death Benefits*" section below.<br>|

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<sup>1</sup> For more information about where applicable loan fees are permitted, please see "*Appendix B – State Contract Variability*" in the Prospectus.

**Death Benefits**

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The Contracts will pay death benefits during either the Purchase Period or the Payout Period.

**The Process**

USL requires that complete and acceptable documentation and paperwork be received from the Beneficiary in order to begin the death benefit payment process. First, Proof of Death is required. Proof of Death is defined as a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to death or a written statement by an attending physician. Additionally, the Beneficiary must include an election specifying the distribution method and any other form required by USL or a regulator to process the claim. The account will not be valued, and payments will not be made until all paperwork is in good order and in a form acceptable to USL. Your Beneficiary may contact us at 1-800-448-2542 with any questions about required documentation and paperwork. Death benefits are paid only once per Contract.

If your Account Value is reduced to zero, you may no longer make subsequent Purchase Payments or transfers, and no death benefit will be payable. Please see "*Impact of the Deduction of* 

*Advisory Program Fees on Death Benefit*" below regarding impacts to your death benefit due to the deduction of Advisory Program Fees.

**Beneficiary Information**

The Beneficiary may receive death benefits:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a lump sum;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In the form of an annuity under any of the Payout Options;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In partial payments over the Beneficiary's life expectancy (where permitted); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a manner mutually agreeable between the Beneficiary and USL that is in accordance with applicable laws and regulations.

Payment of any death benefits must be within the time limits set by federal tax law, if any. If the Beneficiary elects a life annuity for a designated or fixed period, the guarantee period cannot exceed the Beneficiary's life expectancy. After choosing a payment option, a Beneficiary may exercise many of the

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investment options and other rights that the Participant or Contract Owner had under the Contract.

**During the Purchase Period**

If death occurs during the Purchase Period, the Beneficiary will receive the standard death benefit which guarantees the return of Purchase Payments less any prior withdrawals.

As indicated above, a Contract Owner may elect to annuitize only a certain portion and leave the remaining value in the account. The death benefit in such situations would include the value of the amount remaining in the account minus the amount applied to Payout Payments. Depending on the payout option selected, there may also be a death benefit from the annuitized portion of the account.

**Standard Death Benefit**

The standard death benefit will be the greater of:

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| |
|:---|
| Your Account Value on the date all paperwork is in good <br> order and in a form acceptable to USL<br>|
| **or** |
| 100% of Purchase Payments (to Variable Investment <br> Options and/or Fixed Account Options)<br>|
| **(minus)** |
| Amount of all Prior Withdrawals, Charges and any <br> portion of Account Value applied under a Payout Option<br>|

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**Adjusted Purchase Payment Amount**

If the total amount of any death benefit payable from the Variable Investment Options and Fixed Account Options under the Contract exceeds the Account Value as of the date all paperwork is in good order and in a form acceptable to USL, then the total death benefit paid may be adjusted to limit the death benefit due to withdrawals. An Adjusted Purchase Payment Amount will be calculated on the date all paperwork is complete and in a form acceptable to USL, determined as follows:

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| | |
|:---|:---|
| A. | 100% of Purchase Payments |
| – | **(minus)** |
| B. | Gross Withdrawals (see below) and any portion of <br> Account Value applied under a Payout Option<br>|

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Each "Gross Withdrawal" is calculated by multiplying the Adjusted Purchase Payment Amount by a fraction. The numerator of the fraction is the amount of the withdrawal plus any associated fees and charges. The denominator of the fraction is the Account Value immediately prior to the withdrawal. Thus, each Gross Withdrawal will proportionately reduce the Adjusted Purchase Payment Amount.

The Contract death benefit and the Adjusted Purchase Payment Amount are compared. The lesser amount is then compared to the Account Value, and the beneficiary will receive the greater of those two amounts.

**During the Payout Period**

If the Annuitant dies during the Payout Period, the Beneficiary may receive a death benefit depending on the payout option selected. The amount of death benefit will also depend on the payout option that you selected. The payout options available are described in the "Payout Period" section of this prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the life only option or joint and survivor life option was chosen, there will be no death benefit.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the life with guaranteed period option, life with cash or unit refund option or payment for a designated period option was chosen, and the entire amount guaranteed has not been paid, the Beneficiary may choose one of the following within 60 days after death benefits are payable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Receive the present value of any remaining payments in a lump sum; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Receive the remaining payments under the same terms of the guaranteed period option chosen by the deceased Annuitant; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Receive the present value of any remaining payments applied under the payment for a designated period option for a period equal to or shorter than the period remaining. Spousal Beneficiaries may be entitled to more favorable treatment under the Contract and/or under federal tax law, including additional permitted delays before beginning distributions, as well as being able to continue the Contract as their own and not as a beneficiary account.

**Impact of the Deduction of Advisory Program Fees on Death Benefit**

If you are participating in the Advisory Program and your Investment Adviser's fee is deducted from your Contract, the deduction of the Advisory Program Fee may reduce the death benefit. This deduction will be the dollar amount assessed for the Advisory Program Fee and is based on a percentage of the Contract value managed by the Advisory Program. The examples below assess the impact of the Advisory Program Fee on the Contract's death benefit assuming an initial $100 deposit and no additional payments and no withdrawals.

1. If, at the end of the year, the Contract value increases to $120 and you pay a $1 Advisory Program Fee, the Contract value is reduced to $119. If you die, your Contract's death benefit is $119.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

2. If, at the end of the year, the Contract value decreases to $90 and you pay a $1 Advisory Program Fee, the Contract value is reduced to $89. However, the Advisory Program Fee will not reduce the death benefit which will be at least

$100 (your premium payment) (or higher if you are younger than 70 at your death) due to the Death Benefit Contract guarantee.

**Additional Information About Loans**

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The Contract offers a tax-free loan provision for tax-qualified contracts which gives you access to your money in the Fixed Account Options (subject to a minimum loan amount of $1,000). The availability of loans is subject to federal and state government regulations, as well as your employer's plan provisions and USL policy. Generally, one loan per account will be allowed. Under certain, specific circumstances, a maximum of two loans per account may be allowed. USL reserves the right to change this limit. We may charge a loan application fee if permitted under state law. Keep in mind that tax laws restrict withdrawals prior to age 59½ and a 10% tax penalty may apply (including on a loan that is not repaid).

**Interest Charged for a Loan**

For Contracts not governed by the requirements of ERISA, we charge an effective annual loan interest rate of up to 6%. For Contracts maintained under a plan subject to the requirements of ERISA, the interest rate we charge on a loan will be based on

the Moody's Corporate Bond Yield Average ending two months before the date that the interest rate is determined. The rate is determined each calendar quarter and applies for twelve months for new loans and for outstanding loans whose anniversaries occur in that quarter.

**The Effects of a Loan on Account Value, Payout Payments and the Death Benefit**

A loan, whether it is repaid or not, has a permanent effect on your Account Value. This effect occurs because the amounts borrowed are removed from your Fixed Account Options and placed in a guaranteed collateral account inside your Contract, which earns interest at a fixed rate. If the loan is not fully repaid, upon the beginning of the Payout Period, surrender, or death, then the cash value or the death benefit, as applicable, will be reduced by any foreclosure on the loan or any defaulted amount of the loan.

**Other Contract Features**

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**Changes That May Not Be Made**

The following terms in the Contracts may not be changed once your account has been established:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Contract Owner;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Participant; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Annuitant.

**Change of Beneficiary**

The Beneficiary (if not irrevocable) may usually be changed at any time. Two or more Beneficiaries may be designated to receive separate percentage interests in the death benefits payable under the Contract. Each such Beneficiary may separately exercise the rights that a Beneficiary has under the Contract.

One or more contingent Beneficiaries may be designated. A contingent Beneficiary will receive benefits payable upon the Participant's death if all of the primary Beneficiaries have died prior to the Participant. A contingent Beneficiary will have all of the same rights as a Beneficiary during the Purchase Period or Payout Period.

Under some retirement programs, the right to name a Beneficiary other than the spouse or change a Beneficiary is subject to approval by the spouse. Also, the right to name a Beneficiary other than the spouse may be subject to certain laws and regulations applicable to the plan.

If the Annuitant dies, and there is no Beneficiary, any death benefit will be payable to the Annuitant's estate.

If a Beneficiary dies prior to the Participant, that Beneficiary's interest will be divided pro rata among the remaining named Beneficiaries.

If a Beneficiary dies while receiving payments, and there is no other Beneficiary to continue to receive payments, any amount still due will be paid to the Beneficiary's estate.

**Cancellation — The "Free Look" Period**

The Contract Owner of a group Contract (employer) may cancel a Contract by returning it to the Company within 20 days after it is received. (A longer period will be allowed if required under state law.) *See "Appendix B — State Contract Variability."* The "free look" does not apply to Participant certificates except in a limited number of states. We will allocate Purchase Payments as instructed during the "free look" period. To cancel the Contract, the Contract Owner must send a written request, in

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good order, for cancellation and return the Contract to us at the Annuity Service Center before the end of the "Free Look" period. A refund will be made to the Contract Owner within seven days after receipt of the Contract within the required period. Generally, the amount of the refund will be equal to all Purchase Payments received or, if more, the amount required under state law. If your Contract was issued in a state requiring return of Purchase Payments, and you cancel your Contract during the "free look" period, we return the greater of (1) your Purchase Payments; or (2) the Account Value on the day we receive your request in good order at the Annuity Service Center. The Contract will be void once we issue a refund.

**We Reserve Certain Rights**

We may amend the Contracts to comply with changes in federal tax, securities, or other laws. We may also make changes to the Variable Investment Options offered under the Contracts. For example, we may add new Variable Investment Options to expand the offerings for an asset class. We may stop accepting allocations and/or investments in a particular Variable Investment Option when not in the best interest of the Contract Owner or the Separate Account, such as when the shares of the underlying Fund are no longer available for investment or if, for example, the underlying Fund is dealing with material regulatory and/or legal issues, sustained performance downturns, or significant increases in expenses. We may move assets and re-direct future premium allocations from one Variable Investment Option to another in accordance with federal and state law and, in some cases, with SEC approval. The new Variable Investment Option offered may have different fees, expenses, objectives, strategies and risks.

We may restrict your ability to combine Contracts and may modify or suspend or impose additional or different conditions with respect to options available under the Contracts, as may be allowed by federal or state law. We will not make any changes to the Contracts without Contract Owner and /or Participant (as applicable) permission except as may be allowed by federal or state law. We may add endorsements to the Contracts that would apply only to new Contract Owners and Participants after the effective date of the changes. These changes would be subject to approval by the Company and may be subject to approval by the SEC.

We reserve the right to operate the Separate Account as a management investment company under the applicable securities laws, and to deregister the Separate Account under applicable securities laws, if registration is no longer required.

We reserve the right to close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the Variable Investment Options, with advance written notice. We may make the Fixed Account Options available or close the Fixed Account Options as frequently as we determine at any point in time while the Contract is in force, provided we give advance written notice in each case.

**Relationship to Employer's Plan**

This Contract is being offered under a retirement plan through your employer, and you should always refer to the terms and conditions in your employer's plan when reviewing the description of the Contracts in this prospectus.

**Voting Rights**

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As discussed in the "*About USL Separate Account RS*" section of this prospectus, the Separate Account holds, on your behalf, shares of the Mutual Funds that comprise the Variable Investment Options. From time to time, the Funds may be required to hold a shareholder meeting to obtain approval from their shareholders for certain matters.

**Who May Give Voting Instructions**

During the Purchase Period, subject to any contrary provisions in the plan, the Contract Owner, Participant, or Beneficiary will have the right to give voting instructions to the Separate Account for the shareholder meetings, except as noted below. Proxy material and a form on which voting instructions may be given before the shareholder meeting is held will be mailed in advance of any shareholder meeting. Please vote each card received.

**Determination of Fund Shares Attributable to Your Account**

*During the Purchase Period*

The number of Fund shares attributable to your account will be determined on the basis of the Purchase Units credited to your account on the record date set for the Fund shareholder meeting.

*During the Payout Period or after a Death Benefit Has Been Paid*

The number of Fund shares attributable to your account will be based on the liability for future variable annuity payments to the payees on the record date set for the Fund shareholder meeting.

**How Fund Shares Are Voted**

The Separate Account will vote all of the shares of the Funds it holds based on, and in the same proportion as, the instructions given by all Participants invested in that Fund entitled to give

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instructions at that shareholder meeting. The Separate Account will vote the shares of the Funds it holds for which it receives no voting instruction in the same proportion as the shares for which voting instructions have been received. One effect of proportional voting is that a small number of Contract Owners may determine the outcome of a vote. In the future, we may decide how to vote the shares of the Separate Account in a different manner if permitted at that time under federal securities law.

In the event that shares of a Fund are owned by USL or an affiliated insurance company for their own benefit, such shares will be voted proportionally based on instructions received from Contract Owners.

**Federal Tax Matters**

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The Contracts generally provide tax-deferred accumulation over time, but may be subject to certain federal income and excise taxes, mentioned below. Refer to the SAI for further details. Section references are to the Code. We do not attempt to describe any potential estate or gift tax, or any applicable state, local or foreign tax law other than possible premium taxes mentioned under "Premium Tax Charge." Discussions regarding the tax treatment of any annuity contract or retirement plans and programs are intended for general informational purposes only and are not intended as tax advice, either general or individualized, nor should they be interpreted to provide any predictions or guarantees of a particular tax treatment. Such discussions generally are based upon the Company's understanding of current tax rules and interpretations, and may include areas of those rules that are more or less clear or certain. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. You should seek competent tax or legal advice, as you deem necessary or appropriate, regarding your own circumstances.

**Types of Plans**

Tax rules vary, depending on whether the Contract is offered under your employer's tax-qualified retirement program. The Contracts may be used under many types of retirement arrangements, including the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 403(b) annuities for employees of public schools, community colleges, colleges and universities, and other section 501(c)(3) tax-exempt organizations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 401(a), 403(a), and 401(k) qualified plans;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 457 deferred compensation plans of governmental and tax-exempt employers

Contributions under any of these retirement arrangements generally must be made to a qualifying annuity Contract or to a qualifying trust or custodial account, in order for the contributions to receive favorable tax treatment as pre-tax (or Roth) contributions. Contracts purchased under these retirement arrangements generally are referenced in this document as "Qualified Contracts."

Note that the specific terms of the governing employer plan may limit a participant's rights and options otherwise available under a Contract. In addition, changes in the applicable laws or regulations may impose additional limitations or may require changes to the contract to maintain its status as a Qualified Contract.

**Tax Consequences in General**

Purchase Payments, distributions, withdrawals, transfers and surrender of a Contract can each have a tax effect, which varies with the governing retirement arrangement. Please refer to the detailed explanation in the SAI, the documents (if any) controlling the retirement arrangement through which the Contract is offered, and your personal tax advisor.

Purchase Payments under the Contracts can be made as contributions by employers or as pre-tax or after-tax contributions by employees, depending on the type of retirement program. After-tax Purchase Payments, including after-tax employee contributions, generally constitute "investment in the Contract." All Qualified Contracts receive deferral of tax on the inside build-up of earnings on invested Purchase Payments, until a distribution occurs. *See the SAI for a discussion of the taxation of distributions, including upon death, and special rules*.

Transfers among investment options within a variable annuity Contract generally are not taxed at the time of such a transfer. However, in 1986, the IRS indicated that limitations might be imposed with respect to either the number of investment options available within a Contract, or the frequency of transfers between investment options, or both, in order for the Contract to be treated as an annuity Contract for federal income tax purposes (investor control). If imposed, USL can provide no assurance that such limitations would not be imposed on a retroactive basis to Contracts issued under this prospectus. However, USL has no present indications that the IRS intends to impose such limitations, or what the terms or scope of those limitations might be.

Distributions are taxed differently depending on the program through which the Contracts are offered and the previous tax characterization of the contributions to which the distribution relates. Generally, the portion of a distribution that is not

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considered a return of investment in the Contract is subject to income tax. For annuity payments, investment in the Contract is recovered ratably over the expected payout period. Special recovery rules might apply in certain situations. Non-periodic payments such as partial withdrawals and full surrenders during the Purchase Period are referred to as "amounts not received as an annuity" in the Code. These types of payments are generally taxed to the extent of any gain existing in the Contract at the time of withdrawal.

Amounts subject to income tax may also incur excise or penalty taxes, under certain circumstances. Generally, as more fully discussed in the SAI, taxable distributions received before you attain age 59½ are subject to a 10% penalty tax in addition to regular income tax, unless you make a rollover, in the case of a Qualified Contract, to another tax-deferred investment vehicle or meet certain exceptions. Note that a distribution from a 457(b) plan is not subject to the 10% tax penalty. And, if you have to report the distribution as ordinary income, you may need to make an estimated tax payment by the due date for the quarter in which you received the distribution, depending on the amount of federal tax withheld from the distribution. When calculating your tax liability to determine whether you need to make an estimated tax payment, your total tax for the year should also include the amount of the 10% additional tax on early distributions unless an exception applies. Amounts eligible for grandfathered status afforded to pre-1982 accounts might be exempt from the 10% early withdrawal penalty. The SAI lists a number of additional exceptions to the 10% early withdrawal penalty. Please consult with your tax advisor concerning these exceptions, tax reporting, and the tax-related effects of an early distribution. Required tax withholding will vary according to the type of program, type of payment and your tax status. In addition, amounts received under all Contracts may be subject to state income tax withholding requirements.

In addition, distributions from certain contracts may be subject to a 3.8% tax on net investment income on investment income in excess of applicable thresholds for Modified Adjusted Gross Income ("MAGI"; $250,000 for joint filers; $125,000 for married individuals filing separately; and, $200,000 for individual filers). An individual with MAGI in excess of the applicable MAGI threshold will be required to pay this tax on net investment income in excess of that threshold. This tax generally does not apply to Qualified Contracts; however, taxable distributions from such contracts may be taken into account in determining the applicability of the MAGI thresholds.

On December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law as part of larger appropriations legislation. Additionally, the SECURE 2.0 Act of 2022 (SECURE 2.0) was passed on December 29, 2022. The SECURE and SECURE 2.0 Acts include many provisions affecting Qualified Contracts, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• an increase in the age at which required minimum

distributions (RMDs) generally must commence. The updated RMD ages are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ Age 75 if you were born on or after January 1, 1960

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ Age 73 if you were born on or after January 1, 1951 and before January 1, 1960

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ Age 72 if you were born on or after July 1, 1949 and before January 1, 1951

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ Age 70½ if you were born before July 1, 1949

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• new limitations on the period for beneficiary distributions following the death of the plan participant or IRA owner (when the death occurs on or after January 1, 2020);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• elimination of the age 70½ restriction on IRA contributions for tax years beginning in 2020 (combined with an offset to the amount of eligible qualified charitable distributions (QCDs) by the amount of post-70½ IRA contributions);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• new exceptions to the 10% additional tax on early distributions, for the birth or adoption of a child, which also became an allowable plan distribution event (starting in 2020) for terminal illness and for eligible distributions for domestic abuse victims (starting in 2024);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• expansion of distribution and loan rules (including loan repayment) for qualified disaster recovery distributions from certain employer-sponsored retirement plans and IRAs; and,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a reduction of the earliest permissible age for in-service distributions from pension plans and governmental Section 457 plans to 59½, starting in 2020.

Some provisions in these acts are subject to the terms of an employer's retirement plan.

The foregoing is not an exhaustive list. The SECURE and SECURE 2.0 Acts included many additional provisions affecting Qualified Contracts. Additionally, on July 19, 2024, the IRS and Treasury Department released final regulations and proposed regulations under Code section 401(a)(9). The proposed regulations include proposed updates for the RMD changes made by the SECURE Act.In 2019 the IRS issued multiple letter rulings to individual insurance companies recognizing the ability, in specific circumstances, to treat the payment of investment advisory fees to an investment advisor out of nonqualified contracts as non-taxable withdrawals from the contracts. IRS letter rulings generally may only be relied upon by the party to whom they are issued.

USL obtained such a Private Letter Ruling. However, USL only administers the terms of the Private Letter Ruling for the GPS Portfolio Manager Program, which is offered through VFA, our

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affiliate. Accordingly, the description below only applies to that program. Under the terms of USL's Private letter Ruling obtained in September 2020, the Advisory Agreement with the Investment Adviser must provide that the Investment Adviser will help you select investment options for the Contract. Advisory Program Fees for such services must not exceed an annual rate of 1.50% of the Contract's cash value for the period to which the Advisory Program Fees relate. The Contract owner is solely liable for the fees. The Advisory Program Fees may not constitute compensation to the Adviser for servicers related to any assets other than the Contract. The Advisory Program Fees are an expense of the Contract and not a distribution to you as the owner. Any payment of advisory fees inconsistent which such requirements may be treated as withdrawals for tax purposes by the Company and/or by the IRS. Notwithstanding tax treatment of Advisory Program Fees by the Company, federal and/or state taxing authorities could determine that such fees should be treated as taxable withdrawals. In such circumstances any expenses prior to your attainment of age 59½ could result in a 10% early withdrawal penalty tax in addition to income tax.

*Important Information Regarding 403(b) Regulations*

On July 26, 2007, the Department of the Treasury published final 403(b) regulations that became largely effective on January 1, 2009. These comprehensive regulations include several rules

and requirements, such as a requirement that employers maintain their 403(b) plans pursuant to a written plan. The final regulations, subsequent IRS guidance, and the terms of the written plan may impose restrictions on both new and existing contracts, including restrictions on the availability of loans, distributions, transfers and exchanges, regardless of when a contract was purchased.

In general, certain contracts originally established by a 90-24 transfer prior to September 25, 2007 are exempt (or grandfathered) from some of the requirements of the final regulations; provided that no salary reduction or other contributions have ever been made to the contract, and that no additional transfers are made to the contract on or after September 24, 2007. Further, contracts that are not grandfathered were generally required to be part of, and subject to the requirements of an employer's 403(b) plan upon its establishment, but no later than by January 1, 2009.

The foregoing discussion is intended as a general discussion of the requirements only, and you may wish to discuss the requirements of the regulations and/or the general information above with your tax advisor.

**Legal Proceedings**

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There are no pending legal proceedings affecting the Separate Account. Various federal, state or other regulatory agencies may from time to time review, examine or inquire into the operations, practices and procedures of the Company, such as through financial examinations, subpoenas, investigations, market conduct exams or other regulatory inquiries. Based on the current status of pending regulatory examinations, investigations and inquiries involving the Company, the Company believes that none of these matters will have a material adverse effect on the ability of the principal underwriter to perform its contract with the Separate Account or of the Company to meet its obligations under the variable annuity contracts.

Various lawsuits against the Company have arisen in the ordinary course of business. As of the date of this prospectus, the Company believes that none of these matters will have a material adverse effect on the ability of the principal underwriter to perform its contract with the Separate Account or of the Company to meet its obligations under the variable annuity contracts.

**Financial Statements**

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Information about the financial statements of the Company and the Separate Account are included in the SAI. Instructions for obtaining the SAI can be found on the back cover of this

prospectus. We encourage both existing and prospective contract owners to read and understand the financial statements.

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**Appendix A — Funds Available Under the Contract**

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The availability of certain Funds can vary based on your employer. Refer to your employer's retirement program documents for a list of the employer-selected funds available in your Contract and any limitations on the number of Funds you may choose. All Funds may not be available for all plans or Contracts.

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/suny/prospectus-and-reports. You can also request this information at no cost by calling 1-800-448-2542.

The current expenses and performance information below reflect fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** |
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2020 Fund<br> *Adviser*: *The Vanguard Group, Inc*.<br>| 0.08% | 7.75% | 4.75% | 5.58% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2025 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 9.44% | 5.66% | 6.32% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2030 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 10.64% | 6.44% | 6.92% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2035 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 11.78% | 7.20% | 7.51% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2040 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 12.88% | 7.97% | 8.08% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2045 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 13.91% | 8.73% | 8.57% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2050 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.64% | 9.03% | 8.72% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2055 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.64% | 9.02% | 8.70% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2060 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.63% | 9.02% | 8.70% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2065 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.62% | 9.01% | 9.24%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2070 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.59% | N/A | 14.08%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement Income Fund<br> *Adviser: Vanguard*<br>| 0.08% | 6.58% | 3.58% | 4.19% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** |
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Index Funds** | &nbsp;&nbsp; Fidelity 500 Index<br> *Adviser: Fidelity Management & Research Company LLC*<br> *Sub-Adviser: Geode Capital Management, LLC*<br>| 0.02% | 25.00% | 14.51% | 13.09% |
| **Index Funds** | &nbsp;&nbsp; Vanguard FTSE Social Index I<br> *Adviser: Vanguard*<br>| 0.07% | 26.01% | 14.55% | 13.48% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Mid Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode* <br>| 0.03% | 15.35% | 9.93% | 9.69% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Small Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.03% | 11.69% | 7.50% | 7.96% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Total International Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.06% | 4.9% | 4.11% | 5.88% |
| **Index Funds** | &nbsp;&nbsp; Fidelity U.S. Bond Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.03% | 1.34% | -0.31% | 1.33% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Federal Money Market – Investor Class<br> *Adviser: Vanguard*<br>| 0.11% | 5.23% | 2.44% | 1.72% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Nuveen Core Impact Bond – Class R6<br> *Adviser: Teachers Advisors, LLC*<br>| 0.35% | 2.56% | -0.11% | 1.70% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Allspring Core Plus Bond – Class R6<br> *Adviser: Allspring Funds Management, LLC*<br> *Sub-Adviser: Allspring Global Investments, LLC*<br>| 0.30% | 2.41% | 1.13% | 2.30% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Inflation-Protected Bond Index<br> *Adviser: Fidelity*<br>| 0.05% | 2.01% | 1.81% | 2.18% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; PGIM High Yield – Class R6<br> *Adviser: PGIM Fixed Income*<br> *Sub-Adviser: PGIM Limited*<br>| 0.38% | 8.46% | 3.93% | 5.38% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Equity- Income – Admiral Shares<br> *Advisers: Vanguard and Wellington Management Company LLP*<br>| 0.18% | 15.16% | 9.97% | 10.07% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Parnassus Core Equity – Investor Shares<br> *Adviser: Parnassus Investment, LLC*<br>| 0.81% | 18.52% | 13.25% | 12.02% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; JPMorgan Large Cap Growth – Class R6<br> *Adviser: J.P. Morgan Investment Management Inc.*<br>| 0.44% | 34.17% | 20.27% | 17.87% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Victory Sycamore Established Value – Class R6<br> *Adviser: Victory Capital Management Inc.*<br>| 0.54% | 10.24% | 11.11% | 10.80% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; T. Rowe Price Diversified Mid-Cap Growth – I Class<br> *Adviser: T. Rowe Price Associates, Inc.*<br>| 0.67% | 23.95% | 11.24% | 13.27% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Impax Global Environmental Markets – Institutional Class<br> *Adviser: Impax Asset Management LLC*<br> *Sub-Adviser: Impax Asset Management Ltd*.<br>| 0.89% | 5.12% | 7.97% | 8.41% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; America Funds Europacific Growth – Class R6<br> *Adviser: Capital Research and Management Company*<br>| 0.47% | 5.04% | 3.95% | 5.66% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Franklin Small Cap Value – Class R6<br> *Adviser: Franklin Mutual Advisers, LLC*<br>| 0.60% | 11.75% | 8.77% | 8.52% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Explorer – Admiral Shares<br> *Advisers: Vanguard, ArrowMark Colorado Holdings, LLC, ClearBridge Investments,* <br> *LLC, Stephens Investment Management Group, LLC, Wellington Management* <br> *Company LLP*<br>| 0.33% | 10.37% | 9.24% | 10.22% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Advisor Focused Emerging Markets – Class Z<br> *Adviser: Fidelity*<br>| 0.81% | 9.43% | 3.98% | 5.89% |

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\* Since inception of the Fund

<sup>1</sup> The following adviser/sub-adviser abbreviations are used in this table:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity – Fidelity Management & Research Company LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Geode – Geode Capital Management, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard – The Vanguard Group

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**Appendix B — State Contract Variability** 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **Prospectus** | **Provision Availability or Variation** | **Issue State** |
| Free Look | Free Look period is 20 days or 30 days if this is a replacement. The Free Look amount is the return of all <br> purchase payments allocated to the contract.<br>| Alaska |
| Free Look | If you are age 65 or older on the Contract issue date, the Free Look period is 30 days. | Arizona |
| Free Look | If you are age 60 or older on the Contract issue date, the Free Look period is 30 days. If you invest in the <br> Fixed Account, the Free Look amount is calculated as the Purchase Payments paid. If you invest in Variable <br> Investment Options, the Free Look amount is calculated as the greater of (1) Purchase Payments or (2) the <br> value of your Contract plus any fees paid on the day we received your request in good order at the Annuity <br> Service Center.<br>| California |
| Free Look | The Free Look period is 21 days and the amount is calculated as the value of your Contract plus fees and <br> charges on the day we receive your request in good order at the Annuity Service Center.<br>| Florida |
| Free Look | The Free Look period is 20 days. | Idaho<br> North Dakota<br> Rhode Island<br> Texas<br>|
| Free Look | The Free Look amount is calculated as the value of your Contract plus fees and charges on the day we <br> received your request in good order at the Annuity Service Center.<br>| Michigan<br> Minnesota<br> Missouri<br> Texas<br>|
| Free Look | The Free Look amount is calculated as the greater of (1) Purchase Payments including fees and charges or <br> (2) the value of your Contract on the day we receive your request in good order at the Annuity Service <br> Center.<br>| Arkansas |
| Free Look | The Free Look period is 20 days. The Free Look amount is the purchase payments made to the fixed interest <br> options and the accumulation value of the variable options on the day the contract is returned. The Free Look <br> period is 60 days for a replacement.<br>| New York |
| Death Benefit | Standard Death Benefit is paid on or after age 70 | New York |
| Death Benefit | For Contracts issued in connection with an employer-sponsored retirement plan, only the standard death <br> benefit is payable.<br>| Florida |
| Premium Tax | We deduct premium tax charges of 0.50% for Qualified Contracts based on contract value when you begin <br> the Payout Period.<br>| California |
| Premium Tax | We deduct premium tax charges of 1.00% for Qualified Contracts based on contract value when you begin <br> the Payout Period.<br>| West Virginia |

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The Statement of Additional Information (SAI) contains additional information about the Contract, the Company, and the Separate Account, including financial statements. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. For a free copy of the SAI or to request other information about the Contract or to make other inquiries, contact us by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mailing: Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calling: 1-800-448-2542

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Visiting: www.corebridgefinancial.com/rs/suny/prospectus-and-reports

You may also obtain reports and other information about the Separate Account on the SEC's website at www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier: C000257296

<sup>©</sup> 2025 Corebridge Financial, Inc.

All Rights Reserved.

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**THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK**

**USL SEPARATE ACCOUNT RS**

**UNITS OF INTEREST UNDER GROUP VARIABLE DEFERRED ANNUITY CONTRACTS WITH FIXED FUNDING**

**PORTFOLIO DIRECTOR**<sup>®</sup> **NY SP** 

**Series 11.80**

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**STATEMENT OF ADDITIONAL INFORMATION**

------

**September 2, 2025**

This Statement of Additional Information ("SAI") is not a prospectus but contains information in addition to that set forth in the prospectus for Portfolio Director dated September 2, 2025 and should be read in conjunction with the prospectus. The terms used in this SAI have the same meaning as those set forth in the prospectus. A prospectus may be obtained free of charge by calling or writing The United States Life Insurance Company in the City of New York (the "Company"), at Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105; 1-800-448-2542. Prospectuses are also available on the internet at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities.

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**Table of Contents**

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| | |
|:---|:---|
| [General Information about the Contract](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [General Information and History about USL and the Separate Account](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [Services](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [Custodian](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [Additional Information regarding Federal Tax Matters](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [Tax Consequences of Purchase Payments](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_1) | 3  |
| [Tax Consequences of Distributions](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_2) | 4  |
| [Special Tax Consequences](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_3)[— Early Distribution](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_3) | 5  |
| [Special Tax Consequences](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_4)[— Required Distributions](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_4) | 6  |
| [Tax-Free Rollovers, Transfers and Exchanges](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_5) | 7  |
| [Effect of Tax-Deferred Accumulations](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_6) | 8  |
| [Foreign Account Tax Compliance Act ("FATCA")](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_7) | 9  |
| [Other Withholding Tax](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_7) | 9  |
| [Exchange Privilege](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_7) | 9  |
| [Calculation of Surrender Charge](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_8) | 10  |
| [Purchase Unit Value](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_8) | 10  |
| [Illustration of Calculation of Purchase Unit Value](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_9) | 11  |
| [Illustration of Purchase of Purchase Units (Assuming No State Premium Tax)](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_9) | 11  |
| [Payout Payments](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_9) | 11  |
| [Assumed Investment Rate](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_9) | 11  |
| [Amount of Payout Payments](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_10) | 12  |
| [Payout Unit Value](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_10) | 12  |
| [Illustration of Calculation of Payout Unit Value](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_10) | 12  |
| [Illustration of Payout Payments](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_11) | 13  |
| [Distribution of Variable Annuity Contracts](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_11) | 13  |
| [Experts](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_11) | 13  |
| [Comments on Financial Statements](#xx_7183f2c6-d466-420a-a5b9-6d468e456a25_12) | 14 |

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**General Information about the Contract**

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Flexible payment deferred annuity contracts ("Contracts") are offered in connection with the prospectus to which this SAI relates. Under flexible payment Contracts, Purchase Payments generally are made until retirement age is reached. However, no Purchase Payments are required to be made after the first payment. Purchase Payments are subject to minimum payment requirements under the Contract. The Contracts are non-participating and will not share in any of the profits of the Company.

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**General Information and History about USL and the Separate Account**

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Information about USL and the Separate Account, including their dates and forms of organization, as well as a description of USL's business and other information, can be found under "About USL" and "About USL Separate Account RS" in the section titled "General Information" of the prospectus.

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**Services**

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Not applicable.

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**Custodian**

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USL acts as custodian of the Separate Account. USL has custody of all assets and cash of the Separate Account and handles the collection of proceeds of shares of the Funds bought and sold by the Separate Account.

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**Additional Information regarding Federal Tax Matters**

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*Note: Discussions regarding the tax treatment of any annuity contract or retirement plan and program are intended for general purposes only and are not intended as tax advice, either general or individualized, nor should they be interpreted to provide any predictions or guarantees of a particular tax treatment. Such discussions generally are based upon the Company's understanding of current tax rules and interpretations, and may include areas of those rules that are more or less clear or certain. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. You should seek competent tax or legal advice, as you deem necessary or appropriate, regarding your own circumstances. We do not guarantee the tax status or treatment of your annuity.*

This section summarizes the major tax consequences of contributions, payments, and withdrawals under the Contracts, during life and after death.

It is USL's understanding, confirmed by Internal Revenue Service (''IRS") Revenue Procedure 99-44, that a Qualified Contract described in section 401(a), 403(a), or 403(b), of the Internal Revenue Code of 1986, as amended (''Code" or "IRC") does not lose its deferred tax treatment if Purchase Payments under the contract are invested in publicly available mutual funds. It is also the understanding of USL that for each other type of Qualified Contract an independent exemption provides tax deferral regardless of how ownership of the Mutual Fund shares might be imputed for federal income tax purposes.

**Tax Consequences of Purchase Payments**

*403(b) Annuities*. Purchase Payments made by section 501(c)(3) tax-exempt organizations and public educational institutions toward Contracts for their employees are excludable from the gross income of employees to the extent aggregate Purchase Payments do not exceed several competing tax law limitations on contributions. Separate limitations apply to employee elective deferrals, and to the total of employer contributions and to your voluntary and nonelective salary reduction contributions. Income tax exclusions generally do not apply to Roth 403(b) contributions, which are made on an after-tax basis; however, these contributions are included for purposes of applying limitations to the total of the contributions for the year. Roth 403(b) employee contributions will be referred to as elective deferrals, along with voluntary salary reduction contributions.

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For 2025, your elective deferrals are generally limited to $23,500. If available under the terms of your employer-sponsored plan, individuals with 15 or more years of service with certain qualifying employers may be eligible to contribute up to an additional $3,000 in deferrals, subject to certain limitations based upon prior such contributions and contributions generally. In addition, age-based "catch-up" contributions of up to $7,500 are permitted for individuals who will be age 50 by the end of the 2025 calendar year, except those individuals who attain the age of 60, 61, 62, or 63 in 2025 will be eligible for up to $11,250 in catch up contributions. When applicable, the additional contribution for individuals with 15 or more years of service with the employer, and the age-based catch-up, may be used in the same year. However, the 15-year contribution must be applied first. Combined employer contributions, nonelective employee contributions and elective deferrals are generally limited to $70,000, or up to 100% of "includible compensation" as defined in the Code for 403(b) plans. The 15-year contributions and age-based catch-up contributions generally are in addition to these limitations. In addition, after 1988, employer contributions for highly compensated employees may be further limited by applicable nondiscrimination rules.

*401(a)/(k) and 403(a) Qualified Plans*. Purchase Payments made by an employer (or a self-employed individual) under a qualified pension, profit-sharing or annuity plan are excluded from the gross income of the employee. Purchase Payments made by an employee may be made on a pre-tax or an after-tax basis, depending on several factors, including whether the employer is eligible to establish a 401(k) or 414(h) contribution option, and whether the employer, if eligible to establish a 401(k) option, has established a Roth 401(k) option under the Plan. Starting in 2023, plans may permit an employee to designate employer matching or nonelective contributions as Roth contributions.

*457 Plans*. A unit of a state or local government may establish a deferred compensation program for individuals who perform services for the government unit if permitted by applicable state (and/or local) laws. In addition, a non-governmental tax-exempt employer may establish a deferred compensation program for individuals who: (i) perform services for the employer, and (ii) belong to either a select group of management or highly compensated employees and/or are independent contractors.

This type of program allows eligible individuals to defer the receipt of compensation (and taxes thereon) otherwise presently payable to them. For 2025, if the program is an eligible deferred compensation plan (an "EDCP"), you and your employer may contribute (and defer tax on) the lesser of $23,500 or 100% of your "includible" compensation (compensation from the employer currently includible in taxable income). Additionally, catch-up deferrals are permitted in the final three years before the year you reach normal retirement age under the plan and, for governmental plans only, age-based catch-up deferrals up to $7,500 are also permitted for individuals age 50 or older, except those individuals who attain the age of 60, 61, 62, or 63 in 2025 will be eligible for up to $11,250 in catch-up contributions. Generally, however, a participant cannot utilize both the catch-up in the three years before normal retirement age, and the age-based catch-up, in the same year.

The employer uses deferred amounts to purchase the Contracts offered by this prospectus. For plans maintained by a unit of a state or local government, the Contract is generally held for the exclusive benefit of plan Participants, (although certain Contracts remained subject to the claims of the employer's general creditors until 1999). For plans of non-governmental tax-exempt employers, the employee has no present ownership rights in the Contract and is entitled to payment only in accordance with the EDCP provisions and, where applicable, any trust under which the Contract may be held.

*Unfunded Deferred Compensation Plans*. Private for-profit employers may establish unfunded nonqualified deferred compensation plans for a select group of management or highly compensated employees and/or for independent contractors. Certain arrangements of nonprofit employers entered into prior to August 16, 1986, and not subsequently modified, are also subject to the rules discussed below.

An unfunded deferred compensation plan is a bare contractual promise on the part of the employer to defer current wages to some future time. The assets invested in the Contract are owned by the employer and remain subject to the claims of the employer's general creditors. Private for-profit employers that are not natural persons are currently taxable on any increase in the Purchase Unit value attributable to Purchase Payments made on or after February 28, 1986 to such Contracts. Participants have no present right or vested interest in the Contract and are only entitled to payment in accordance with plan provisions.

**Tax Consequences of Distributions**

*403(b) Annuities*. Elective deferrals (including salary reduction amounts and Roth 403(b) contributions) accumulated after December 31, 1988, and earnings on such contributions, may not be distributed before one of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) attainment of age 59 ½;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) severance from employment;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) death;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) disability;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) qualifying hardship (hardship distributions are limited to salary reduction contributions only, exclusive of earnings thereon);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) termination of the plan (if the plan sponsor meets the criteria of IRS guidance to terminate the plan);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) birth or adoption of a child (subject to limitations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(8) qualified reservist distributions; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(9) distribution of lifetime income investments within a certain period.

Similar restrictions will apply to all amounts transferred from a Code section 403(b)(7) custodial account other than certain rollover contributions, except that pre-1989 earnings included in such amounts generally will be eligible for a hardship distribution.

A plan under which a 403(b) annuity is held may impose additional restrictions.

As a general rule, distributions are taxed as ordinary income to the recipient in accordance with Code section 72. However, three important exceptions to this general rule are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) distributions of Roth 403(b) contributions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) qualified distributions of earnings on Roth 403(b) contributions; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) other after-tax amounts in the Contract.

Distributions of Roth 403(b) contributions are tax-free. "Qualified" distributions of earnings on Roth 403(b) contributions made upon attainment of age 59 ½, upon death or disability, are tax-free as long as five or more years have passed since the first contribution to the Roth account or any Roth account under the employer's Plan. Distribution of earnings that are non-qualified are taxed in the same manner as pre-tax contributions and earnings under the Plan. Generally, distributions of other after-tax contributions to the Contract are tax-free and earnings on them are taxed as ordinary income.

*401(a)/(k) and 403(a) Qualified Plans*. Distributions from Contracts purchased under qualified plans are taxable as ordinary income, except to the extent allocable to an employee's after-tax contributions (investment in the Contract). If you or your Beneficiary receive a "lump sum distribution" (legally defined term), the taxable portion may be eligible for special 10-year income averaging treatment. Ten-year income averaging uses tax rates in effect for 1986, allows 20% capital gains treatment for the taxable portion of a lump sum distribution attributable to years of service before 1974, and is available if you were 50 or older on January 1, 1986. The distribution restrictions for 401(k) elective deferrals in Qualified Plans are generally the same as described for elective deferrals to 403(b) annuities except that for plan years beginning after December 31, 2018, earnings on elective deferrals may be included in qualified hardship distributions from 401(k) plans. The tax consequences of distributions from Qualified Plans are generally the same as described above for 403(b) annuities.

*457 Plans*. Amounts received from an EDCP are includible in gross income for the taxable year in which they are paid or, if a non- governmental tax-exempt employer, otherwise made available to the recipient.

*Unfunded Deferred Compensation Plans*. Amounts received are includible in gross income for the taxable year in which the amounts are paid or otherwise made available to the recipient.

**Special Tax Consequences — Early Distribution**

*403(b) Annuities, 401(a)/(k) and 403(a) Qualified Plans, 408(b) Traditional IRAs, SEPs and SIMPLE IRAs*. The taxable portion of distributions received before the recipient attains age 59 ½ generally are subject to a 10% penalty tax in addition to regular income tax. Distributions on account of the following generally are excepted from this penalty tax:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) death;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) disability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) separation from service after a Participant reaches age 55 (only applies to 403(b), 401(a)/(k), and 403(a) plans);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) separation from service at any age if the distribution is in the form of substantially equal periodic payments over the life (or life expectancy) of the Participant (or the Participant and Beneficiary) for a period that lasts the later of five years or until the Participant attains age 59 ½;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) distributions that do not exceed the employee's tax-deductible medical expenses for the taxable year of receipt (without regard to whether deductions are itemized for the taxable year);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) distributions to an alternate payee pursuant to a domestic relations order;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) payments of up to $22,000 made in connection with federally-declared disasters;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(8) qualifying distributions upon the birth or adoption of a child;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(9) terminal illness;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(10)separation from service for (i) public safety employees of a governmental plan or (ii) firefighters, after age 50 or at least 25 years of service under the plan (only applies to 403(b), 401(a)/(k) and 403(a) plans); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(11)payments up to $3,000 per year for health, life and accident insurance by certain retired public safety

officers;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(12)distributions to a domestic abuse victim; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13) certain amounts for emergency personal expenses.

Separation from service is not required for distributions from a Traditional IRA, SEP or SIMPLE IRA under (4) above. Certain distributions from a SIMPLE IRA within two years after first participating in the Plan may be subject to a 25% penalty, rather than a 10% penalty.

Currently, distributions from 408(b) IRAs on account of the following additional reasons are also excepted from the 10% penalty tax:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) distributions up to $10,000 (in the aggregate) to cover costs of acquiring, constructing or reconstructing the residence of a first-time homebuyer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) distributions to cover certain costs of higher education: tuition, fees, books, supplies and equipment for the IRA owner, a spouse, child or grandchild;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) distributions to cover certain medical care or long-term care insurance premiums, for individuals who have received federal or state unemployment compensation for 12 consecutive weeks; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) distributions of net income attributable to excess IRA contributions (subject to conditions).

Other exceptions may be applicable under certain circumstances.

*457 Plans*. Distributions generally may be made under an EDCP prior to severance from employment only upon attainment of age 59 ½, for unforeseeable emergencies or for amounts under $5,000 for inactive Participants, and are includible in the recipient's gross income in the year paid. Such distributions are not subject to the 10% early withdrawal penalty tax. The plan may impose additional restrictions on distributions.

**Special Tax Consequences — Required Distributions**

*403(b) Annuities*. Generally, required minimum distributions are required to be distributed from pre-tax amounts accumulated under the Contract. The Code requires that RMDs during the lifetime of the Participant generally commence no later than April 1 of the calendar year following the later of the calendar year in which the Participant attains RMD age or the calendar year in which the Participant retires. The RMD ages are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Age 73 if you were born January 1, 1951 or later.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Age 72 if you were born on or after July 1, 1949, and before January 1, 1951.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Age 70½ if you were born before July 1, 1949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The RMD age is due to increase to age 75 after December 31, 2032.

Generally, the same minimum distributions requirements applied to Roth amounts accumulated under the Contract with respect to years starting prior to January 1, 2024. With respect to years starting after December 31, 2023, minimum distribution requirements do not apply to Roth amounts during the Contract Owner's lifetime.

In general, the amounts of RMDs must be determined under the IRS' Uniform Life Expectancy Table reflecting the joint life expectancy of the Participant and a Beneficiary not more than 10 years younger than the Participant, or if the Participant's spouse is the sole Beneficiary and is more than 10 years younger than the Participant, their joint and last survivor life expectancy. Different RMD rules apply to Contracts that are annuitized. A penalty tax of 25% is imposed on the amount by which the minimum required distribution in any year exceeds the amount actually distributed in that year.

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Amounts accumulated under a Contract on December 31, 1986 may be paid in a manner that meets the above rule or, alternatively:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) must begin to be paid when the Participant attains age 75 or retires, whichever is later; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the present value of payments expected to be made over the life of the Participant, (under the option chosen) must exceed 50% of the present value of all payments expected to be made (the "50% rule").

The 50% rule will not apply if a Participant's spouse is the joint Annuitant. Notwithstanding these pre-January 1, 1987 rules, the entire contract balance must meet the minimum distribution incidental benefit requirement of Code section 403(b)(10).

Upon the Participant's death, any remaining amounts in the Contract must be distributed in accordance with the RMD requirements of federal income tax law. These distributions must be made over a time period that depends on whether the death occurs before the RMDs were required to begin, the type of Beneficiary and whether the beneficiary is the participant's surviving spouse. The information provided below applies to Participants who die after 2019 (after 2021 for certain governmental and collectively bargained retirement plans). For Participants' deaths prior to such dates, individuals should consult their personal tax advisor regarding the applicable after-death RMD requirements.

If a Beneficiary is a "designated beneficiary" (other than an EDB, described below), the entire amount in the Contract must be distributed within 10 years after the Participant's death.

If the Beneficiary is an eligible designated beneficiary ("EDB"), Contract amounts generally either must be paid to the Beneficiary within 10 years after the Participant's death, or must begin by December 31st of the year following the year of death and be paid over the lifetime or single life expectancy of the Beneficiary. Exceptions to this rule may apply in the case of a beneficiary who is also the participant's spouse.

Eligible designated Beneficiaries are generally designated beneficiaries who are also:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the surviving spouse of the plan participant or IRA owner;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a minor child of the plan participant or IRA owner;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a qualifying disabled or chronically ill beneficiary; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• an individual who is not more than ten years younger than the Participant or IRA owner;

If the Beneficiary is not a designated beneficiary, the Beneficiary must receive the entire amount in the Contract within 5 years after the Participant's death.

Additional rules, requirements and exceptions may apply. Individuals should consult their personal tax advisor.

A Participant generally may aggregate his or her 403(b) Contracts and accounts for purposes of satisfying these requirements, and withdraw the required distribution in any combination from such Contracts or accounts, unless the plan, Contract, or account otherwise provides.

*401(a)/(k) and 403(a) Qualified Plans*. Minimum distribution requirements for qualified plans are generally the same as described for 403(b) Annuities, except that there is no exception for pre-1987 amounts, and multiple plans may not be aggregated to satisfy the requirement.

*457 Plans*. Beginning January 1, 1989, the minimum distribution requirements for EDCPs are generally the same as described above for 403(b) Annuities except that there is no exception for pre-1987 amounts, and multiple plans may not be aggregated to satisfy the requirement. Distributions must satisfy the irrevocable election requirements applicable to non-governmental tax-exempt employer EDCPs.

**Tax-Free Rollovers, Transfers and Exchanges**

*403(b) Annuities*. Tax-free transfers between 403(b) annuity Contracts and/or 403(b)(7) custodial accounts and, with the exception of distributions to and from Roth 403(b) accounts, tax-free rollovers to or from 403(b) programs to 408(b) IRAs, other 403(b) programs, 401(a)/403(a) qualified plans and governmental EDCPs are permitted under certain circumstances. Funds in a 403(b) annuity contract may be rolled directly over to a Roth IRA. Distributions from Roth 403(b) accounts may be rolled over or transferred to another Roth 403(b) account or rolled over to a Roth IRA or a Roth 401(k) or eligible Roth 457(b) account. Roth 403(b) accounts may only receive rollover contributions from other Roth accounts.

*401(a)/(k) and 403(a) Qualified Plans*. The taxable portion of certain distributions, except for distributions from Roth accounts, may be rolled over tax-free to or from a 408(b) individual retirement account or annuity, another such plan, a 403(b) program, or

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a governmental EDCP. Funds in a qualified contract may be rolled directly over to a Roth IRA. The rollover/ transfer rules for Qualified plans are generally the same as described for 403(b) Annuities.

*457 Plans*. Tax-free transfer of EDCP amounts from tax-exempt employers are permitted only to another EDCP of a like employer. Tax-free rollovers to or from a governmental EDCP to other governmental EDCPs, 403(b) programs, 401(a)/401(k)/403(a) Qualified Plans, 408(b) IRAs are permitted under certain circumstances.

**Effect of Tax-Deferred Accumulations**

The chart below compares the results from contributions made to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A Contract issued to a tax-favored retirement program purchased with pre-tax contributions (Purchase Payments);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A nonqualified Contract purchased with after-tax contributions (Purchase Payments); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Taxable accounts such as savings accounts.

![](g857050florida_barchart.jpg)

This hypothetical chart compares the results of (1) contributing $100 per month to a conventional, non-tax-deferred account (shown above as "Taxable Account"); (2) contributing $100 to a nonqualified, tax-deferred annuity (shown above as "Nonqualified Contract Tax-Deferred Annuity"); and (3) contributing $100 per month ($133.33 since contributions are made before tax) to an annuity purchased under a tax-deferred retirement program (shown above as "Tax-Deferred Annuity"). The chart assumes a 25% tax rate and a 4% annual rate of return. Variable options incur separate account charges and may also incur account maintenance charges and surrender charges, depending on the contract. The chart does not reflect the deduction of any such charges or any advisory fees paid to financial intermediaries from contract value or other assets of the owner, and, if reflected, would reduce the amounts shown. Federal withdrawal restrictions and a 10% tax penalty may apply to withdrawals before age 59 ½. This information is for illustrative purposes only and is not a guarantee of future return for any specific investment.

Unlike taxable accounts, contributions made to tax-favored retirement programs and nonqualified Contracts generally provide tax-deferred treatment on earnings. In addition, pre-tax contributions made to tax-favored retirement programs ordinarily are not subject to income tax until withdrawn. As shown above, investing in a tax-favored program may increase the accumulation power of savings over time. The more taxes saved and reinvested in the program, the more the accumulation power effectively grows over the years.

To further illustrate the advantages of tax-deferred savings using a 25% federal tax bracket, an annual return (before the deduction of any fees or charges) of 4% under a tax-favored retirement program in which tax savings were reinvested has an equivalent after-tax annual return of 3% under a taxable program. The 4% return on the tax-deferred program will be reduced by the impact of income taxes upon withdrawal. The return will vary depending upon the timing of withdrawals. The previous chart represents (without factoring in fees or charges) after-tax amounts that would be received.

By taking into account the current deferral of taxes, contributions to tax-favored retirement programs increase the amount available for savings by decreasing the relative current out-of-pocket cost (referring to the effect on annual net take-home pay) of

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the investment, regardless of which type of qualifying investment arrangement that is selected. The chart below illustrates this principle by comparing a pre-tax contribution to a tax-favored retirement plan with an after-tax contribution to a taxable account:

**Paycheck Comparison** 

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| | | |
|:---|:---|:---|
|  | **Tax-Favored Retirement Program** | **Taxable Account** |
| Annual amount available for savings before federal taxes | &nbsp;&nbsp;&nbsp;&nbsp; $2400 | &nbsp;&nbsp;&nbsp;&nbsp; $2400 |
| Current federal income tax due on Purchase Payments | &nbsp;&nbsp;&nbsp;&nbsp; 0 | &nbsp;&nbsp;&nbsp;&nbsp; $(600) |
| Net retirement plan Purchase Payments | &nbsp;&nbsp;&nbsp;&nbsp; $2400 | &nbsp;&nbsp;&nbsp;&nbsp; $1800 |

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This chart assumes a 25% federal income tax rate. The $600 that is paid toward current federal income taxes reduces the actual amount saved in the taxable account to $1,800 while the full $2,400 is contributed to the tax-qualified program, subject to being taxed upon withdrawal. Stated otherwise, to reach an annual retirement savings goal of $2,400, the contribution to a tax-qualified retirement program results in a current out-of-pocket expense of $1,800 while the contribution to a taxable account requires the full $2,400 out-of-pocket expense. The tax-qualified retirement program represented in this chart is a plan type, such as one under section 403(b) of the Code, which allows participants to exclude contributions (within limits) from gross income. This chart is an example only and does not reflect the return of any specific investment.

**Foreign Account Tax Compliance Act ("FATCA")**

U.S. persons should be aware that FATCA, enacted in 2010, provides that a 30% withholding tax will be imposed on certain gross payments (which could include distributions from cash value life insurance or annuity products) made to a foreign entity holding accounts on behalf of U.S. persons if such entity fails to provide applicable certifications to the U.S. government. An entity, for this purpose, will be considered a foreign entity unless it provides an applicable certification to the contrary. Prospective purchasers with accounts in foreign financial institutions or foreign entities should consult with their tax advisor regarding the application of FATCA to their purchase.

**Other Withholding Tax**

A non-resident Contract Owner that is not exempt from United States federal withholding tax should consult its tax advisor as to the availability of an exemption from, or reduction of, such tax under an applicable income tax treaty, if any.

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**Exchange Privilege**

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Exchanges from variable contracts previously issued by the Company or affiliates may be exchanged into the USL Portfolio Director contract. For certain exchanges from VALIC Portfolio Director, charges or transfer restrictions may be waived on the exchange transaction.

*Surrender Charges*

If you are exchanging a contract issued by USL's affiliate, VALIC, you may have not had a surrender charge or may have had a different surrender charge schedule for partial or total surrenders. Upon completion of the exchange into the USL Portfolio Director contract, the surrender charges and the surrender charge schedule for Portfolio Director will become effective to the extent applicable.

For Series 1, 5, and 7 contracts, Portfolio Director will assess a surrender charge upon total or partial surrenders. Purchase Payments exchanged into Portfolio which were made within 5 years before the date of the exchange will be treated as Purchase Payments under Portfolio Director for purposes of calculating a surrender charge and such payments will be deemed to have been made under Portfolio Director on the date the Purchase Payments were made under the previous contract for purposes of calculating the surrender charge under Portfolio Director. For group plans, the most recent Purchase Payments are assumed to be withdrawn before older ones.

For Series 11 and Series 14 contracts of Portfolio Director, there are no surrender charges for early withdrawals. However, a 5% charge for transfers from Fixed Account Plus to other funding entities will be assessed for Series 11 contracts unless a waiver applies.

*Other Charges*

For Series 1 and Series 14 Portfolio Director contracts, a quarterly Variable Investment Option Maintenance Charge ("Maintenance Charge") of $3.75 is assessed for each calendar quarter during the Purchase Period during which any Variable

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Account Option Account Value is credited to a Participant's Account. The fee is to reimburse the Company for some of the administrative expenses associated with the Variable Account Options. No fee is assessed for any calendar quarter if the Account Value is credited only to the Fixed Account Options throughout the quarter. If you are exchanging a contract issued by VALIC, that contract may not have included a Maintenance Charge or such a charge may have been a different amount and, upon completion of the exchange into the USL Portfolio Director contract, such fee begins immediately if an exchange is made into any Variable Account Option offered under Portfolio Director for which a Maintenance Fee applies. For Series 5, 7, and 11 contracts, a Maintenance Charge will not be assessed.

The Maintenance Charge may also be reduced or waived by USL for Portfolio Director if the administrative expenses are expected to be lower for that Contract. To cover expenses not covered by the account maintenance charge and to compensate the Company for assuming mortality risks and administration and distribution expenses under Portfolio Director, an additional daily charge with an annualized rate of up to 1.25% (or lower amounts during the Purchase Period for different series of Portfolio Director), depending upon the Variable Account Options selected, if any, on the daily net asset value of Separate Account RS is attributable to Portfolio Director.

*Investment Options*

Under your previous contract, you may have had a different set of Variable Investment and/or Fixed Account Options available. Under Portfolio Director, various divisions of USL Separate Account RS are available, and each division invests in a different mutual fund. Two fixed account options are also available. Variable Investment Options available in Portfolio Director are held in Separate Account RS and fixed options are held in the USL General Account.

*Guaranteed Annuity Rates*

Mortality rates have improved since annuity rates were developed for previously issued VALIC contracts. Therefore, the annuity rates guaranteed in USL Portfolio Director may be less favorable to Contract Owners and Annuitants than those guaranteed in other contracts. However, the current annuity rates being charged for fixed annuities under the "betterment of rates" provisions in the contract are more favorable than those guaranteed under Portfolio Director or the other contracts. Of course, no assurance can be given that this will continue to be true at the time of annuitization for a given contract.

*Group Unallocated Contracts* 

We do not allow exchanges from group unallocated contracts or fixed annuity contracts.

For more detailed information about the surrender and other charges, investment options, and annuity rates, please refer to the applicable Portfolio Director prospectus and your contract.

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**Calculation of Surrender Charge**

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The Contract does not contain a surrender charge.

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**Purchase Unit Value**

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Purchase Unit value is discussed in the prospectus under "Purchase Period." The Purchase Unit value for a Division is calculated as shown below:

*Step 1: Calculate the gross investment rate:* 

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| | |
|:---|:---|
|  | Gross Investment Rate |
| = | **(equals)** |
|  | The Division's investment income and capital gains and losses (whether realized or unrealized) on that day from the <br> assets attributable to the Division.<br>|
| ÷ | **(divided by)** |
|  | The value of the Division for the immediately preceding day on which the values are calculated. |

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We calculate the gross investment rate as of 4:00 p.m. Eastern time on each Business Day when the Exchange is open.

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*Step 2: Calculate net investment rate for any day as follows:* 

---

| | |
|:---|:---|
|  | Net Investment Rate |
| = | **(equals)** |
|  | Gross Investment Rate (calculated in Step 1) |
| – | **(minus)** |
|  | Separate Account charges. |

---

*Step 3: Determine Purchase Unit Value for that day.* 

---

| | |
|:---|:---|
|  | Purchase Unit Value for that day. |
| = | **(equals)** |
|  | Purchase Unit Value for immediate preceding day. |
| × | **(multiplied by)** |
|  | Net Investment Rate (as calculated in Step 2) plus 1.00. |

---

The following illustrations show a calculation of new Purchase Unit value and the purchase of Purchase Units (using hypothetical examples):

**Illustration of Calculation of Purchase Unit Value**

*Example 5.* 

---

| | | |
|:---|:---|:---|
| 1. | Purchase Unit value, beginning of period | &nbsp;&nbsp; $1.800000 |
| 2. | Value of Fund share, beginning of period | &nbsp;&nbsp; $21.200000 |
| 3. | Change in value of Fund share | &nbsp;&nbsp; $.500000 |
| 4. | Gross investment return (3)÷(2) | &nbsp;&nbsp; .023585 |
| 5. | Daily separate account fee\* | &nbsp;&nbsp; .000027 |
| \*Fee of 1% per annum used for illustrative purposes. | \*Fee of 1% per annum used for illustrative purposes. |  |
| 6. | Net investment return (4)—(5) | &nbsp;&nbsp; .023558 |
| 7. | Net investment factor 1.000000+(6) | 1.023558 |
| 8. | Purchase Unit value, end of period (1)×(7) | &nbsp;&nbsp; $1.842404 |

---

**Illustration of Purchase of Purchase Units (Assuming No State Premium Tax)**

*Example 6.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. First Periodic Purchase Payment $100.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Purchase Unit value on effective date of purchase (see Example 3) $1.800000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Number of Purchase Units purchased (1)÷(2) 55.556

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Purchase Unit value for valuation date following purchase (see Example 3) $1.842404

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Value of Purchase Units in account for valuation date following purchase (3)×(4) $102.36

------

**Payout Payments**

------

**Assumed Investment Rate**

The discussion concerning the amount of Payout Payments which follows this section is based on an Assumed Investment Rate of 3½% per annum. However, the Company will permit each Annuitant choosing a variable payout option to select an Assumed Investment Rate permitted by state law or regulations other than the 3½% rate described here as follows: 3%, 4½%, or 5% per annum. The foregoing Assumed Investment Rates are used merely in order to determine the first monthly payment per

------

thousand dollars of value. It should not be inferred that such rates will bear any relationship to the actual net investment experience of USL Separate Account RS.

**Amount of Payout Payments**

The amount of the first variable Payout Payment to the Annuitant will depend on the amount of the Account Value applied to effect the variable annuity as of the tenth day immediately preceding the date Payout Payments commence, the amount of any premium tax owed, the annuity option selected, and the age of the Annuitant.

The Contracts contain tables indicating the dollar amount of the first Payout Payment under each payout option for each $1,000 of Account Value (after the deduction for any premium tax) at various ages. These tables are based upon the Annuity 2000 Table (promulgated by the Society of Actuaries) and an Assumed Investment Rate of 3%, 3½%, 4% and 5% per annum (3½% in the group Contract).

The portion of the first monthly variable Payout Payment derived from a Division of USL Separate Account RS is divided by the Payout Unit value for that Division (calculated ten days prior to the date of the first monthly payment) to determine the number of Payout Units in each Division represented by the payment. The number of such units will remain fixed during the Payout Period, assuming the Annuitant makes no transfers of Payout Units to provide Payout Units under another Division or to provide a fixed annuity.

In any subsequent month, the dollar amount of the variable Payout Payment derived from each Division is determined by multiplying the number of Payout Units in that Division by the value of such Payout Unit on the tenth day preceding the due date of such payment. The Payout Unit value will increase or decrease in proportion to the net investment return of the Division or Divisions underlying the variable payout since the date of the previous Payout Payment, less an adjustment to neutralize the 3½% or other Assumed Investment Rate referred to above.

Therefore, the dollar amount of variable Payout Payments after the first year will vary with the amount by which the net investment return is greater or less than 3½% per annum. For example, if a Division has a cumulative net investment return of 5% over a one year period, the first Payout Payment in the next year will be approximately 1½ percentage points greater than the payment on the same date in the preceding year, and subsequent payments will continue to vary with the investment experience of the Division. If such net investment return is 1% over a one year period, the first Payout Payment in the next year will be approximately 2½ percentage points less than the payment on the same date in the preceding year, and subsequent payments will continue to vary with the investment experience of the applicable Division.

Each deferred Contract provides that, when fixed Payout Payments are to be made under one of the first four payout options, the monthly payment to the Annuitant will not be less than the monthly payment produced by the then current settlement option rates, which will not be less than the rates used for a currently issued single payment immediate annuity contract. The purpose of this provision is to assure the Annuitant that, at retirement, if the fixed payout purchase rates then required by the Company for new single payment immediate annuity Contracts are significantly more favorable than the annuity rates guaranteed by a Contract, the Annuitant will be given the benefit of the new annuity rates.

**Payout Unit Value**

The value of a Payout Unit is calculated at the same time that the value of a Purchase Unit is calculated and is based on the same values for Fund shares and other assets and liabilities. (See "Purchase Period" in the prospectus.) The calculation of Payout Unit value is discussed in the prospectus under "Payout Period."

The following illustrations show, by use of hypothetical examples, the method of determining the Payout Unit value and the amount of variable annuity payments.

**Illustration of Calculation of Payout Unit Value**

*Example 8.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Payout Unit value, beginning of period $.980000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Net investment factor for Period (see Example 3) 1.023558

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Daily adjustment for 3 ½% Assumed Investment Rate .999906

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. (2)x(3) 1.023462

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Payout Unit value, end of period (1)x(4) $1.002993

------

**Illustration of Payout Payments**

*Example 9. Annuitant age 65, Life Annuity with 120 Payments Certain* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Number of Purchase Units at Payout Date 10,000.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Purchase Unit value (see Example 3) $1.800000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Account Value of Contract (1)×(2) $18,000.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. First monthly Payout Payment per $1,000 of Account Value $5.63

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. First monthly Payout Payment (3)×(4)÷1,000 $101.34

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Payout Unit value (see Example 8) $.980000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Number of Payout Units (5)÷(6) $103.408

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Assume Payout Unit value for second month equal to $.997000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Second monthly Payout Payment (7)×(8) $103.10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Assume Payout Unit value for third month equal to $.953000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Third monthly Payout Payment (7)×(10) $98.55

------

**Distribution of Variable Annuity Contracts**

------

The Contracts are sold in a continuous offering by licensed insurance agents who are registered representatives of broker-dealers that are members of the Financial Industry Regulatory Authority ("FINRA").

Corebridge Capital Services, Inc. (the "Distributor"), is the distributor for USL Separate Account RS. The Distributor, an affiliate of the Company due to common ownership, is located at 30 Hudson Street, 16th Floor, Jersey City, NJ 07302. The Distributor is a Delaware corporation and a member of FINRA.

Financial professionals who sell the Contracts will be compensated for such sales by commissions of each first-year Purchase Payment. The financial professional will receive commissions for level Purchase Payments in subsequent years and on increases in the amount of Purchase Payments in the year of increase. During the first two years of employment, financial professionals may also receive developmental commissions for each first-year Purchase Payment and for increases in the amount of Purchase Payments.

Pursuant to its underwriting agreement with the Distributor and USL Separate Account RS, the Company reimburses the Distributor for reasonable sales expenses, including overhead expenses. Year 2025 will be the first year of sale for Portfolio Director and the first year sales commissions will be paid. The Distributor will retain $0 in commissions for Portfolio Director.

------

**Experts**

------

PricewaterhouseCoopers LLP, located at 1000 Louisiana Street, Suite 5800, Houston, TX 77002, serves as the independent registered public accounting firm for The United States Life Insurance Company in the City of New York Separate Account RS and The United States Life Insurance Company in the City of New York ("VALIC").

You may obtain a free copy of these financial statements if you write us at our Home Office, located at 2929 Allen Parkway, Houston, Texas, 77019, call us at 1-800-448-2542, or visit www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. The financial statements have also been filed with the SEC and can be obtained through its website at www.sec.gov.

The following financial statements included on the most recent [Form N-VPFS](https://www.sec.gov/Archives/edgar/data/1310558/000119312525085336/d877367dnvpfs.htm) filed with the SEC have been so incorporated in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The audited Statutory Financial Statements and Supplemental Information of The United States Life Insurance Company in the City of New York, which comprise the statutory statements of admitted assets, liabilities and capital and surplus as of December 31, 2024, and December 31, 2023, and the related statutory statements of operations, of changes in capital and surplus, and of cash flows for each of the three years in the period ended December 31, 2024

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The financial statements of USL should be considered only as bearing on the ability of USL to meet its obligation under the contracts.

------

**Comments on Financial Statements**

------

The financial statements of The United States Life Insurance Company in the City of New York should be considered only as bearing upon the ability of the Company to meet its obligations under the Contracts, which include death benefits, and its assumption of the mortality and expense risks.

Not all of the USL Separate Account RS divisions are available under the Contracts described in the prospectus.© **2025 Corebridge Financial, Inc.**

All Rights Reserved.

------

**Part C — Other InformatiON**

**Item 27.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | |
|:---|:---|:---|
| **Exhibit** <br> **Number**<br>| **Description** | **Location** |
| (a) | &nbsp;&nbsp; [Board of Directors Resolution Establishing](https://www.sec.gov/Archives/edgar/data/2041358/000119312524266067/d873351dex99a.htm)<br> [USL Separate Account RS on June 14, 2024](https://www.sec.gov/Archives/edgar/data/2041358/000119312524266067/d873351dex99a.htm)<br>| &nbsp;&nbsp; Incorporated by reference to Initial Registration Statement of <br> Form N-4, File Nos. 333-283470 and 811-24014, filed on <br> November 26, 2024, Accession No. 0001193125-24-266067.<br>|
| (b) | Custodian Agreements | Not Applicable. |
| (c) | [Distribution Agreement](https://www.sec.gov/Archives/edgar/data/931344/000119312519119350/d705265dex993a.htm) | &nbsp;&nbsp; Incorporated by reference to Post-Effective Amendment <br> No. 24 and Amendment No. 24, File Nos. 333-178841 and <br> 811-08810, filed on April 25, 2019, Accession <br> No. 0001193125-19-119350.<br>|
| (d)(1) | &nbsp;&nbsp; [Specimen Certificate of Participation under](d898671dex99d1.htm)<br> [Group Annuity Contract (Form UITG-525P)](d898671dex99d1.htm)<br>| Filed herewith. |
| (d)(2) | &nbsp;&nbsp; [Specimen Group Annuity Contract. (Form](d898671dex99d2.htm)<br> [UITG-525)](d898671dex99d2.htm)<br>| Filed herewith. |
| (e) | [Specimen Group Master Application](d898671dex99e.htm) | Filed herewith. |
| (f)(1) | &nbsp;&nbsp; [Copy of the Bylaws of the United States Life](https://www.sec.gov/Archives/edgar/data/805749/000119312511120900/dex99f1.txt)<br> [Insurance Company in the City of New York,](https://www.sec.gov/Archives/edgar/data/805749/000119312511120900/dex99f1.txt)<br> [amended and restated December 14, 2010](https://www.sec.gov/Archives/edgar/data/805749/000119312511120900/dex99f1.txt)<br>| &nbsp;&nbsp; Incorporated by reference to Post-Effective AmendmentNo. 1 <br> and Amendment No. 2, File Nos. 333-171493 <br> and811-04865-01, filed on May 2, 2011, <br> AccessionNo. 0001193125-11-120900.<br>|
| (g) | Reinsurance Contracts | Not Applicable. |
| (h)(1)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h1i.htm)<br> [Allspring Funds Management, and Allspring](d898671dex99h1i.htm)<br> [Funds Distributor, LLC., dated as of April 9,](d898671dex99h1i.htm)<br> [2025](d898671dex99h1i.htm)<br>| Filed herewith. |
| (h)(1)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h1ii.htm)<br> [USL and Allspring Funds Management, and](d898671dex99h1ii.htm)<br> [Allspring Funds Distributor, LLC., dated as](d898671dex99h1ii.htm)<br> [of April 9, 2025](d898671dex99h1ii.htm)<br>| Filed herewith. |
| (h)(2)(i) | &nbsp;&nbsp; [Participation and Service Agreement](d898671dex99h2i.htm)<br> [between USL and Capital Client Group Inc.,](d898671dex99h2i.htm)<br> [and American Funds Service Company, dated](d898671dex99h2i.htm)<br> [as of May 9, 2025](d898671dex99h2i.htm)<br>| Filed herewith. |
| h(3)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h3i.htm)<br> [Fidelity Distributors Company LLC. dated as](d898671dex99h3i.htm)<br> [of March 7, 2025](d898671dex99h3i.htm)<br>| Filed herewith. |
| h(3)(ii) | &nbsp;&nbsp; [Amendment No. 1 to Participation](d898671dex99h3ii.htm)<br> [Agreement between USL and Fidelity](d898671dex99h3ii.htm)<br> [Distributors Company LLC. dated as of](d898671dex99h3ii.htm)<br> [March 7, 2025](d898671dex99h3ii.htm)<br>| Filed herewith. |
| h(3)(iii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h3iii.htm)<br> [USL and Fidelity Institutional Operations](d898671dex99h3iii.htm)<br> [Company LLC. dated as of March 7, 2025](d898671dex99h3iii.htm)<br>| Filed herewith. |
| h(4)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h4i.htm)<br> [Franklin Value Investors Trust, Franklin](d898671dex99h4i.htm)<br> [Mutual Advisers, LLC., and Franklin](d898671dex99h4i.htm)<br> [Distributors, LLC. dated as of April 24, 2025](d898671dex99h4i.htm)<br>| Filed herewith. |
| h(4)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h4ii.htm)<br> [USL and Franklin Distributors LLC. dated as](d898671dex99h4ii.htm)<br> [of April 24, 2025](d898671dex99h4ii.htm)<br>| Filed herewith. |
| h(5)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h5i.htm)<br> [Impax Funds Series Trust I and Impax Trust](d898671dex99h5i.htm)<br> [III, and Foreside Financial Services, LLC.](d898671dex99h5i.htm)<br> [dated as of March 28, 2025](d898671dex99h5i.htm)<br>| Filed herewith. |
| h(5)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h5ii.htm)<br> [USL and Impax Funds Series Trust I and](d898671dex99h5ii.htm)<br> [Impax Trust III. dated as of March 28, 2025](d898671dex99h5ii.htm)<br>| Filed herewith. |

---

------

---

| | | |
|:---|:---|:---|
| **Exhibit** <br> **Number**<br>| **Description** | **Location** |
| h(6)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h6i.htm)<br> [JPMorgan Trust II, J.P Morgan Investment](d898671dex99h6i.htm)<br> [Management Inc., and JPMorgan](d898671dex99h6i.htm)<br> [Distribution Services, Inc., dated as of](d898671dex99h6i.htm)<br> [June 1, 2025](d898671dex99h6i.htm)<br>| Filed herewith. |
| h(6)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h6ii.htm)<br> [USL and JPMorgan Distribution Services,](d898671dex99h6ii.htm)<br> [Inc., dated as of February 19, 2005](d898671dex99h6ii.htm)<br>| Filed herewith. |
| h(7)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h7i.htm)<br> [Nuveen Securities, LLC. dated as of July 31,](d898671dex99h7i.htm)<br> [2025](d898671dex99h7i.htm)<br>| Filed herewith. |
| h(7)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h7ii.htm)<br> [USL and Nuveen Securities LLC. dated as of](d898671dex99h7ii.htm)<br> [July 31, 2025](d898671dex99h7ii.htm)<br>| Filed herewith. |
| h(8)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h8i.htm)<br> [Parnassus Investments, LLC., and Parnassus](d898671dex99h8i.htm)<br> [Funds Distributor, LLC. dated as of](d898671dex99h8i.htm)<br> [January 26, 2025](d898671dex99h8i.htm)<br>| Filed herewith. |
| h(8)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h8ii.htm)<br> [USL and Parnassus Investments, LLC. dated](d898671dex99h8ii.htm)<br> [as of January 26, 2025](d898671dex99h8ii.htm)<br>| Filed herewith. |
| h(9)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h9i.htm)<br> [PGIM Investments LLC., and Prudential](d898671dex99h9i.htm)<br> [Investment Management Services LLC. dated](d898671dex99h9i.htm)<br> [as of February 26, 2025](d898671dex99h9i.htm)<br>| Filed herewith. |
| h(9)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h9ii.htm)<br> [USL and Prudential Mutual Fund Services](d898671dex99h9ii.htm)<br> &nbsp;&nbsp;&nbsp;&nbsp;[LLC. dated as of February 26, 2025](d898671dex99h9ii.htm)<br>| Filed herewith. |
| h(10)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h10i.htm)<br> &nbsp;&nbsp;&nbsp;&nbsp;[T. Rowe Price Investment Services Inc.,](d898671dex99h10i.htm)<br> &nbsp;&nbsp;&nbsp;&nbsp;[T. Rowe Price Services Inc., and T. Rowe](d898671dex99h10i.htm)<br> [Price Associates, Inc., dated as of May 1,](d898671dex99h10i.htm)<br> [2025](d898671dex99h10i.htm)<br>| Filed herewith. |
| h(10)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h10ii.htm)<br> [USL and T. Rowe Price Services, Inc., dated](d898671dex99h10ii.htm)<br> [as of May 1, 2025](d898671dex99h10ii.htm)<br>| Filed herewith. |
| h(11)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h11i.htm)<br> [The Vanguard Group, Inc., dated as of](d898671dex99h11i.htm)<br> [March 13, 2025](d898671dex99h11i.htm)<br>| Filed herewith. |
| h(12)(i) | &nbsp;&nbsp; [Participation Agreement between USL and](d898671dex99h12i.htm)<br> [Victory Capital Management Inc., and](d898671dex99h12i.htm)<br> [Victory Capital Services, Inc., date as of](d898671dex99h12i.htm)<br> [March 7, 2025](d898671dex99h12i.htm)<br>| Filed herewith. |
| h(12)(ii) | &nbsp;&nbsp; [Administrative Services Agreement between](d898671dex99h12ii.htm)<br> [USL and Victory Capital Management Inc.](d898671dex99h12ii.htm)<br> [dated as of March 7, 2025](d898671dex99h12ii.htm)<br>| Filed herewith. |
| (i) | Administrative Contracts | Not Applicable. |
| (j) | Other Material Contracts | Not Applicable. |
| (k) | [Legal Opinion](d898671dex99k.htm) | Filed herewith. |
| (l) | &nbsp;&nbsp; [Consent of Independent Registered Public](d898671dex99l.htm)<br> [Accounting Firm- PricewaterhouseCoopers](d898671dex99l.htm)<br> [LLP.](d898671dex99l.htm)<br>| Filed herewith. |
| (m)  | Omitted Financial Statements | None. |
| (n) | Initial Capital Agreements | Not Applicable. |
| (o) | [Form of Initial Summary Prospectus](d898671dex99o.htm) | Filed herewith. |

---

------

---

| | | |
|:---|:---|:---|
| **Exhibit** <br> **Number**<br>| **Description** | **Location** |
| (p) | &nbsp;&nbsp; [Power of Attorney — The United States Life](https://www.sec.gov/Archives/edgar/data/2041358/000119312524266067/d873351dex99p.htm)<br> [Insurance Company in the City of New York](https://www.sec.gov/Archives/edgar/data/2041358/000119312524266067/d873351dex99p.htm)<br>| &nbsp;&nbsp; Incorporated by reference to Initial Registration Statement of <br> Form N-4, File Nos. 333-283470 and 811-24014, filed on <br> November 26, 2024, Accession No. 0001193125-24-266067.<br>|

---

**Item 28. *Directors and Officers of the Depositor***

The directors and principal officers of the Company are set forth below. The business address of each officer and director is 1133 Avenue of the Americas, 33rd Floor, New York, NY 10036, unless otherwise noted.

---

| | |
|:---|:---|
| **Names, Positions and Offices Held with Depositor** | **Names, Positions and Offices Held with Depositor** |
| Christopher B. Smith (8) | Director, Chairman of the Board, and President  |
| Christopher P. Filiaggi (8) | Director, Senior Vice President, and Chief Financial Officer |
| Timothy M. Heslin | Director, President, Life US |
| Lisa M. Longino (8) | Director, Executive Vice President, and Chief Investment Officer |
| Jonathan J. Novak (1) | Director, President, Institutional Markets |
| Bryan A. Pinsky (2) | Director, President, Individual Retirement |
| William J. Carr | Director |
| Glen D. Keller | Director |
| Sandra M. McDermott | Director |
| John P. Byrne (3) | President, Financial Distributor |
| Terri N. Fiedler (3) | President, Group Retirement |
| Steven D. ("Doug") Caldwell, Jr. | Executive Vice President and Chief Risk Officer |
| David Ditillo (6) | Executive Vice President and Chief Information Officer |
| Elizabeth B. Cropper | Executive Vice President and Chief Human Resources Officer |
| Emily W. Gingrich | Senior Vice President, Chief Actuary and Corporate Illustration <br> Actuary<br>|
| Patricia M. Schwartz | Senior Vice President, Head of Valuation and Financial Reporting, <br> and Appointed Actuary<br>|
| Sai P. Raman (7) | Senior Vice President, Institutional Markets |
| Eric G. Tarnow | Senior Vice President, Life Products |
| Mallary L. Reznik (2) | Senior Vice President, General Counsel and Assistant Secretary |
| Christina M. Haley (2) | Senior Vice President, Individual Retirement Products |
| Christopher V. Muchmore | Senior Vice President, Chief Financial Officer, Individual Retirement |
| Brigitte K. Lenz | Vice President and Controller |
| Jennifer A. Roth (2) | Vice President and Chief Compliance Officer, and 38a-1 Compliance <br> Officer<br>|
| Brian O. Moon | Vice President and Treasurer |
| Julie Cotton Hearne (3) | Vice President and Corporate Secretary |
| Mersini G. Keller | Vice President and Tax Officer |
| Angel R. Ramos (3) | Vice President and Tax Officer |
| Preston L. Schnoor (2) | Vice President, Product Filing |
| Aimy T. Tran (2) | Vice President, Product Filing |
| Tyra G. Wheatley (3) | Vice President, Product Filing |
| Barbara L. Rayll (3) | Vice President, Business Case Development |
| Michelle D. Campion (4) | Vice President |
| Korey L. Dalton | Vice President |
| Jeffrey S. Flinn (5) | Vice President |
| Christopher J. Hobson (5) | Vice President |
| Jennifer N. Miller | Vice President |
| Mark R. Szycher (3) | Vice President |
| Marjorie D. Brothers (3) | Assistant Secretary |
| Janice A. McCullough (2) | Assistant Secretary |
| Angela G. Bates | Anti-Money Laundering and Economic Sanctions Compliance Officer |
| Joey Dongliang Zhou | Illustration Actuary |

---

------

---

| | |
|:---|:---|
| **Names, Positions and Offices Held with Depositor** | **Names, Positions and Offices Held with Depositor** |
| Kenneth R. Kiefer (9) | Head of Structured Settlements |
| Michael F. Mulligan (1) | Head of International Pension Risk Transfer |
| Ethan D. Bronsnick (8) | Head of U.S. Pension Risk Transfer |
| Aileen V. Apuy | Manager, State Filings |
| Connie C. Merer (2) | Assistant Manager, State Filings |
| Melissa H. Cozart (3) | Privacy Officer |
| Thomas Bartolomeo | Chief Information Security Officer |

---

------

(1) 10880 Wilshire Boulevard, Suite 1101, Los Angeles, CA 90024

(2) 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367

(3) 2919 Allen Parkway, Woodson Tower, Houston, TX 77019

(4) 2727-A Allen Parkway, 3-D1, Houston, TX 77019

(5) 2929 Allen Parkway, America Tower, Houston, TX 77019

(6) 3211 Shannon Road, Durham, NC 27707

(7) 50 Danbury Road, Wilton, CT 06897

(8) 30 Hudson Street, Jersey City, NJ 07302

(9) 1050 N. Western Street, Amarillo, TX 79106

**Item 29. *Persons Controlled by or Under Common Control with Depositor or Registrant*** 

The Registrant is a separate account of The United States Life Insurance Company in the City of New York ("Depositor"). The Depositor is an indirect, wholly owned subsidiary of Corebridge Financial, Inc. ("Corebridge"). An organizational chart for Corebridge can be found as [Exhibit 21 in Corebridge Form 10-k, SEC File No. 001-41504, Accession](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001889539/000188953925000014/crbg-20241231.htm)[No. 0001889539-25-000014, filed on February 13, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001889539/000188953925000014/crbg-20241231.htm). Exhibit 21 is incorporated herein by reference.

**Item 30. *Indemnification***

Insofar as indemnification for liability arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**The United States Life Insurance Company in the City of New York**

To the full extent authorized by law, the corporation shall indemnify any person made, or threatened to be made, a party to an action or proceeding, whether criminal or civil, by reason of the fact that he, his testator or intestate is or was a director or officer of the corporation or serves or served in any capacity in any other corporation at the request of the corporation. Nothing contained herein shall affect any rights to indemnification to which corporate personnel other than directors and officers may be entitled by contract or otherwise under law.

**Item 31. *Principal Underwriter***

(a) Corebridge Capital Services, Inc. acts as distributor for the following investment companies:

------

**American General Life Insurance Company**

Variable Separate Account

Variable Annuity Account Five

Variable Annuity Account Seven

Variable Annuity Account Nine

Variable Annuity Account Ten

AG Separate Account D

AGL Separate Account I of AGL

AGL Separate Account VL-R

**The United States Life Insurance Company in the City of New York**

FS Variable Separate Account

FS Variable Annuity Account Five

USL Separate Account USL VL-R

USL Separate Account USL A

USL Separate Account RS

**The Variable Annuity Life Insurance Company**

Variable Annuity Life Insurance Co Separate Account A

**SunAmerica Series Trust**

**Seasons Series Trust** 

**VALIC Company 1**

(b) Directors, Officers and principal place of business:

---

| | |
|:---|:---|
| **Officer/Directors\*** | **Position** |
| Christina M. Nasta | Director, Chairman, President and Executive Chief Officer |
| John P. Byrne III (1) | Director |
| Nicholas G. Intrieri | Director |
| Ryan Tapak | Director |
| Eric Taylor | Director |
| Frank Curran | Vice President, Chief Financial Officer, Chief Operations <br> Officer, Controller, and Treasurer<br>|
| Michael Fortey (1) | Chief Compliance Officer |
| Julie A. Cotton Hearne (1) | Vice President and Secretary |
| Mersini G. Keller | Vice President, Tax Officer |
| John T. Genoy | Vice President |
| Mallary L. Reznik (2) | Vice President |
| Marjorie Brothers (1) | Assistant Secretary |

---

\* Unless otherwise indicated, the principal business address of Corebridge Capital Services, Inc. and of each of the above individuals is 30 Hudson Street, 16th Floor, Jersey City, NJ 07302.

Principal business address 2919 Allen Parkway, Houston, TX 77019

Principal business address 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997

(c) Corebridge Capital Services, Inc. retains no compensation or commissions from the Registrant.

**Item 32. *Location of Accounts and Records***

All records referenced under Section 31(a) of the Investment Company Act of 1940, and Rules 31a-1 through 31a-3 thereunder, are maintained and in the custody of The United States Life Insurance Company in the City of New York located at 28 Liberty Street, Floor 47, New York, NY 10005-1400.

**Item 33. *Management Services***

Not Applicable.

------

**Item 34. Fee Representation and Other Representations**

**Fee Representation**

Depositor represents that the fees and charges to be deducted under the Contracts described in the prospectus contained in this Registration Statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Depositor in accordance with Section 26(f)(2)(A) of the Investment Company Act of 1940.

**Other Representations**

The Registrant hereby represents that it is relying on the No-Action Letter issued by the Division of Investment Management to the American Council of Life Insurance dated November 28, 1988 (Commission Ref. No. IP-6-88). Registrant has complied with conditions one through four on the No-Action Letter.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant, USL Separate Account RS has duly caused this Registration Statement to be signed on its behalf by the undersigned, duly authorized, in the City of New York, and State of New York, on this 27<sup>th</sup> day of August, 2025.

**USL SEPARATE ACCOUNT RS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant)

BY: THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

(On behalf of the Registrant and itself)

BY:

\*CHRISTOPHER P. FILIAGGI

------

CHRISTOPHER P. FILIAGGI

DIRECTOR, SENIOR VICE PRESIDENT, AND CHIEF FINANCIAL OFFICER

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| \*CHRISTOPHER B. SMITH<br>CHRISTOPHER B. SMITH<br>| &nbsp;&nbsp;&nbsp;&nbsp; Director, Chairman of the Board, and President <br> (Principal Executive Officer)<br>| November 17, 2024 |
| \*CHRISTOPHER P. FILIAGGI<br>CHRISTOPHER P. FILIAGGI<br>| &nbsp;&nbsp;&nbsp;&nbsp; Director, Senior Vice President, and Chief Financial <br> Officer (Principal Accounting Officer)(Principal <br> Financial Officer) <br>| November 17, 2024 |
| \*TIMOTHY M. HESLIN<br>TIMOTHY M. HESLIN<br>| Director, President, Life US | November 15, 2024 |
| \*LISA M. LONGINO<br>LISA M. LONGINO <br>| &nbsp;&nbsp;&nbsp;&nbsp; Director, Executive Vice President, and Chief <br> Investment Officer<br>| November 15, 2024 |
| \*JONATHAN J. NOVAK<br>JONATHAN J. NOVAK<br>| Director, President, Institutional Markets | November 15, 2024 |
| \*BRYAN A. PINSKY<br>BRYAN A. PINSKY<br>| Director, President, Individual Retirement | November 15, 2024 |
| \*WILLIAM J. CARR<br>WILLIAM J. CARR<br>| Director | November 15, 2024 |
| \*GLEN D. KELLER<br>GLEN D. KELLER<br>| Director | November 15, 2024 |
| \*SANDRA M. MCDERMOTT<br>SANDRA M. MCDERMOTT<br>| Director | November 15, 2024 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| \*BY:/s/ JOHNPAUL S. VAN MAELE<br>JOHNPAUL S. VAN MAELE<br> Attorney-in-Fact pursuant to Powers <br> of Attorney filed previously and/or <br> herewith.<br>| August 27, 2025 |

---

------

## Ex-99.(D)(1)

**The United States Life Insurance Company in the City of New York (USL)** 

Home Office

[28 Liberty Street, 47<sup>th</sup> floor

New York, New York 10005]

Administrative Service Office

**[**Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105]

**PARTICIPANT:** [John Doe]

**GROUP NUMBER:** [12345] **DATE OF ISSUE**: [01/01/2025]

**PARTICIPANT ACCOUNT NUMBER:** [123A456] **ANNUITY DATE:** [01/01/2045]

This Certificate is issued to the named Participant under the Group Annuity Contract ("Contract"). It contains a summary of Your rights and benefits under the Contract, but it is not a part of the Contract and does not change any of the terms or provisions of the Contract. USL will pay annuity and other benefits as provided in the Contract.

**PLEASE READ YOUR CERTIFICATE CAREFULLY** 

**See Index on Page 2** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Maintenance Charge –** There may be an account maintenance charge during the accumulation period. The
charge is $3.75 for each quarter and is assessed only if any portion of the Accumulation Value was applied to one or more Variable Investment Options during that quarter. See Section 2.05 for a complete description.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Separate Account Charge –** There is a daily charge against the Separate Account at an annual rate of
up to 1.25% of the assets of the Variable Investment Options to which assets are allocated. This charge only applies to assets of the Variable Investment Options. See Section 2.06.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Cash Surrender or Withdrawal Charge –** There is no charge at the time of surrender or withdrawal.

The conditions and provisions on the following pages, including any attached Endorsement(s) and/or Rider(s) to the Certificate, are the entire legal contract between USL and the Participant. No agent has the authority to change this Certificate or waive any of its provisions. Only the President or a Vice President of USL may change this Certificate. Any such changes must be in writing. All conditions and provisions are subject to applicable state and federal laws. In the instances of a conflict between the terms of the Contract and the terms of the Certificate, the terms of the Certificate will govern.

**RIGHT TO EXAMINE – If, within 20 days of receipt of this Certificate under the Contract (60 days if the Certificate under this Contract replaced any other life insurance or annuity contract(s) or certificate(s)) You are not satisfied with it, You may return this Certificate to Our Administrative Service Office or to an authorized representative of the Company. The Company will refund the Purchase Payment, including any fees or other charges, or the Accumulation Value, whichever is greater, as of the business day during which We or an authorized representative receives the Certificate under the Contract as of the date the Certificate under the Contract is mailed (post-marked date) to Us. Upon such refund, the Certificate under the Contract shall be void.** 

EXECUTED AT USL'S HOME OFFICE ON THE DATE OF ISSUE

------

![LOGO](g934124dsp275.jpg)

ANNUITY PAYMENTS AND SURRENDER VALUES PROVIDED BY THIS CERTIFICATE WHEN BASED ON INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT AND WILL INCREASE OR DECREASE IN VALUE BASED ON INVESTMENT RESULTS.

The smallest annual effective rate of the investment return that would have to be earned on assets of the Separate Account so that the dollar amount of variable annuity payments will not decrease is 6.25%, compounded daily. The smallest annual rate of investment return may be lower depending on the Separate Account Charge and Assumed Investment Return elected.

[**USL may close the fixed account options provided for in the Contract and this Certificate to new deposits or transfers at any time after the Date of Issue with [ 30 ] days advance written notice (see section 3.01). ]**

**PARTICIPANT CERTIFICATE** 

**GROUP VARIABLE DEFERRED ANNUITY CONTRACT WITH FIXED FUNDING** 

**NON-PARTICIPATING** 

------

---

| | | |
|:---|:---|:---|
|  | **INDEX** |  |
| **Section 1** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **DEFINITIONS** | **[5-6]** |
| **Section 2** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **CONTRACT AND PURCHASE PAYMENTS** | **[6]** |
| 2.01 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Incontestability | [6] |
| 2.02 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum Contract Value | [6] |
| 2.03 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Plan Provisions | [6] |
| 2.04 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Purchase Payments | [6] |
| 2.05 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maintenance Charge | [6] |
| 2.06 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate Account Charge | [6] |
| **Section 3** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **INVESTMENT OPTIONS** | **[6-7]** |
| 3.01 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed Account Options | [7] |
| 3.02 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Variable Investment Options | [7] |
| 3.03 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accumulation Unit | [7-8] |
| 3.04 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accumulation Unit Value | [8] |
| 3.05 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transfers During the Accumulation Period | [8] |
| 3.06 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transfers During the Annuity Period | [8] |
| **Section 4** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **BENEFITS** | **[8]** |
| 4.01 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash Surrender or Withdrawal | [8-9] |
| 4.02 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charges for Cash Surrender or Withdrawal | [9] |
| 4.03 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annuity Period | [9] |
| 4.04 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Starting Annuity Income Benefits | [9] |
| 4.05 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Partial Annuitization/No Commutation | [9] |
| 4.06 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum Annuity Payments | [9] |
| 4.07 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Misstatement of Age | [9] |
| 4.08 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annuity Income (Payment) Options | [9-10] |
| 4.09 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed or Variable Annuity Basis | [10] |
| 4.10 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Variable Annuity Payments | [10] |
| 4.11 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumed Investment Rate (AIR) | [11] |
| 4.12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annuity Units and Annuity Unit Value | [11] |
| 4.13 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Betterment of Rates | [11] |
| 4.14 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Actuarial Basis of Computation | [11-12] |
| 4.15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Beneficiaries | [12-13] |
| 4.16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Payment Provisions | [13-14] |
| **Section 5** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS** | **[14]** |
| 5.01 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; General | [14] |
| 5.02 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Direct Rollovers | [14] |
| **Section 6** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **GENERAL PROVISIONS** | **[14]** |
| 6.01 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vesting | [14] |
| 6.02 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Written Notices to Us | [14] |
| 6.03 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reports | [15] |
| 6.04 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Voting Rights | [15] |
| 6.05 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Suspension of Payments | [15] |
| 6.06 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferral of Cash Surrender or Withdrawal | [15] |
| 6.07 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proof of Survival | [15] |
| 6.08 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Substitution of Investment Fund Shares | [15] |

---

------

6.09 Minimum Benefit [15]

6.10 Separate Account [15-16]

6.11 Merger or Closure of One or More Investment Options [16]

6.12 Termination of the Contract by USL [16]

6.13 Forfeiture [16]

6.14 Distributed Contract [16]

6.15 Applicable Law [16]

6.16 Non-Participating Contract [17]

------

**Section 1 – DEFINITIONS** 

**Accumulation Period –** the time between the date of the first Purchase Payment and the Annuity Date, as defined in Section 4.03, for a Participant.

**Accumulation Value –** equals the sum of the values of the Fixed Account Options and Variable Investment Options allocated to a Participant Account that have not been applied to provide annuity payments.

**Administrative Service Office –** the address shown on Page 1 of the Contract or this Certificate where all Written Notices to Us regarding the Contract or this Certificate are to be sent.

**Annuitant** – means the person on whose life USL will base payments during the Annuity Period.

**Annuity** – a periodic benefit purchased for a Participant under Section 4.

**Annuity Period** – the time during which USL makes annuity payments.

**Certificate Year** – the twelve month period starting with the issue date of a Participant's Certificate and each anniversary of that date.

**Code** – the Internal Revenue Code of 1986, as amended.

**Company** – "We," "Our," "Us," "Company," or "USL," means The United States Life Insurance Company in the City of New York.

**Contract –** the legal agreement between USL and the Contract Owner, under which this Certificate is issued.

**Contract Owner** – the entity that makes application for the Contract. A reference to "You" or "Your" means the Contract Owner or designated administrator.

**ERISA** - the Employment Retirement Income Security Act of 1974, as amended.

**General Account** – assets of The United States Life Insurance Company in the City of New York other than those in the Separate Account or any other segregated asset account.

**Investment Fund** – an investment portfolio or fund which is the underlying investment medium for a Variable Investment Option.

**Participant** – a person for whom or with respect to whom Purchase Payments are made under the Certificate. Any reference to "You" or "Your" means Participant.

**Participant Account** – an individual account which is established for a Participant to record the Accumulation Value for the Participant.

**Plan** – the employer-sponsored retirement plan, annuity purchase arrangement, or deferred compensation program for which the Contract is issued.

**Purchase Payment** – an amount paid to USL for allocation to a Participant Account.

**SEC** – The U. S. Securities and Exchange Commission.

**Separate Account** – a segregated asset account established under the New York Insurance Law (known as USL Separate Account RS).

------

**Surrender Value** – the Accumulation Value of a Participant Account less any applicable surrender charge and excluding any full or partial annuitization.

**Section 2 – CONTRACT AND PURCHASE PAYMENTS** 

**2.01** **Incontestability** – This Contract is incontestable.

**2.02 Minimum Contract Value** – We can distribute the Surrender Value if the Accumulation Value for Your account falls below [$300] and there are no Purchase Payments for [two Certificate Years].

**2.03 Plan Provisions** – As further explained in Section 5, the Contract is subject to the provisions of the Plan. To the extent provided by the Plan, any rights that may be exercised by You under the Contract may instead be exercised by the Contract Owner or a Plan representative.

**2.04 Purchase Payments** – Purchase Payments may be made at any time during the Accumulation Period and may include amounts that are rolled over or directly transferred from another plan; however, We reserve the right to limit, refuse or cease accepting Purchase Payments into the Contract or this Certificate, or specific categories of Purchase Payments (e.g., transfers from other plans or from other accounts or investments under the Plan, or transfers or Purchase Payments that are not periodic or that are limited in dollar amount) at any time, with not less than [180] days advance notice of such limitation or cessation. We require no payment beyond the first. There is no penalty if any scheduled payments are omitted or stopped.

If only one Purchase Payment is to be allocated to Your account, it must be at least [$1,000]. Periodic payments must be at least [$30] each. USL may waive this minimum.

We may deduct amounts from Purchase Payments or from the Accumulation Value for applicable premium taxes, if any. We will allocate the net Purchase Payment to one or more Investment Options according to Your directions.

**2.05 Maintenance Charge** – During the Accumulation Period, We will deduct a charge from the Accumulation Value for certain account maintenance expenses. The charge is due each calendar quarter during which the Accumulation Value includes any Variable Investment Option. We will not deduct the charge for any calendar quarter if the Accumulation Value is credited only to the Fixed Account Options throughout the calendar quarter.

We will deduct the charge at the end of the calendar quarter in which it is due, allocated proportionally among the Variable Investment Options of Your Account. However, if all Variable Investment Option Accumulation Values are withdrawn or transferred entirely to one or more Fixed Account Option(s), the full quarterly charge will be deducted at the time of surrender or transfer.

The charge is $3.75 for each Account for each quarter. The maintenance charge may be waived or reduced uniformly on all Participant Accounts for contracts issued under certain plans or arrangements which are expected to result in administrative cost savings. No reduction or waiver will be made that is unfairly discriminatory to any person.

**2.06 Separate Account Charge** – We deduct a daily charge from the Separate Account. The amount of the charge depends on the Variable Investment Options from which it is deducted and is imposed at an annual rate of up to 1.25% of the assets of the Variable Investment Options.

**Section 3 – INVESTMENT OPTIONS** 

------

We will allocate Purchase Payments to one or more Variable Investment Options and Fixed Account Options ("Investment Options") selected by You on the enrollment form. Each selection must be a whole percentage of Purchase Payments. We reserve the right to limit the number of Investment Options available under the Contract and this Certificate as set forth in Section 3.05(a). The Investment Options available under the Contract and this Certificate will be those selected by the Contract Owner on the application. The Contract Owner may request, from time to time, that We add or substitute Investment Options available from the Separate Account. Any such request will be subject to Our approval and to any other applicable limitations in the Contract.

**3.01 Fixed Account Options** – Fixed Account Options are based on the General Account. Allocations to the Fixed Account Options earn interest as credited daily by USL during the Accumulation Period. The interest credited will be at least the guaranteed minimum interest rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The guaranteed minimum interest rate that will be credited to amounts in the Fixed Account Options for a
Participant Account during the Accumulation Period will be shown on the Investment Information Page or an applicable endorsement, if needed, for that Participant Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Notwithstanding subparagraph (a) above, a separate guaranteed minimum interest rate will be used to
determine minimum fixed annuity payments during the Annuity Period. The guaranteed minimum interest rate for fixed annuity payments will be 2% or the Guaranteed Minimum Interest Rate shown on the Investment Information Page for that Participant
Account, if less.

There are two Fixed Account Options: Short Term Fixed Account and Fixed Account Plus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(i)</u> <u>Short Term Fixed Account</u>. We will credit interest to the Short Term Fixed Account on a portfolio basis.
On the portfolio basis, all amounts accumulated will be credited with the same rate of interest for not less than a calendar year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(ii)</u> <u>Fixed Account Plus.</u> We will credit interest to the Fixed Account Plus on the following basis:
Periodically, but not less frequently than annually based on a calendar year, We will declare interest rates that apply separately to amounts accumulated in separate time periods. Each such declared interest rate will be the same rate of interest
for not less than a calendar year.

[Throughout the duration of the Contract, USL may close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the Investment Options, at any time after the Date of Issue with [30] days advance written notice. USL may make the Fixed Account Options available or close the Fixed Account Options as frequently as it determines at any point in time while the Contract is in force, provided USL gives [30] advance written notice in each case. This right may be exercised where the yield on investments would not support the guaranteed minimum interest rate or where new Purchase Payments or transfers in or among Investment Options do not comply with requirements regarding transfers provided for in this Certificate.]

**3.02 Variable Investment Options** – Variable Investment Options are based upon Investment Funds available within the Separate Account. The Separate Account invests in a number of Investment Funds. Each Investment Fund underlying a Variable Investment Option has a different investment objective. Investment returns on Variable Investment Options may be positive or negative and are not guaranteed.

**3.03 Accumulation Unit** – An Accumulation Unit is a measuring unit for amounts allocated to a Variable Investment Option before annuity payments begin. The value of an Accumulation Unit will vary with the net investment return of the respective underlying Investment Fund. Accumulation Units may be credited to Your account due to a Purchase Payment or a transfer from another Investment Option. The number of

------

Accumulation Units credited to Your account is determined by dividing the dollar amount of the transaction by the Accumulation Unit Value for that Variable Investment Option at the next time it is computed.

**3.04 Accumulation Unit Value** – The Accumulation Unit Value is the value of one Accumulation Unit of a Variable Investment Option. We will calculate it at the end of trading each day the New York Stock Exchange is open, except as described in Section 6.05. The value of an Accumulation Unit of a Variable Investment Option is the Accumulation Unit Value last computed, multiplied by one plus the Investment Rate for the period. The Investment Rate may be positive or negative. The Investment Rate is the change in the value of the Investment Fund's portfolio (capital gains and losses whether or not realized and investment income) since the last computation, divided by the amount of assets at the beginning of the period, less a factor for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Separate Account Charge for the period at the applicable annualized rate up to 1.25%, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Any taxes attributed to the Separate Account or reserve held for such taxes.

**3.05 Transfers During the Accumulation Period** – During the Accumulation Period, You may request transfers by telephone, through the Company's website, or in writing by mail. You may transfer amounts among Investment Options, subject to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) We reserve the right to limit allocations among Investment Options to [twenty] at any one time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) We reserve the right to require transfers to be at least [30] days apart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Transfers from the Short Term Fixed Account</u>. After a transfer to the Short Term Fixed Account, You may
not make any transfer from the Short Term Fixed Account for [90] days. We may change this transfer restriction at any time. However, the transfer restriction period may not exceed [180] days.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Transfers from Fixed Account Plus</u>. You may transfer to other Investment Options up to [20%] of the
Accumulation Value allocated to Fixed Account Plus during each Certificate Year. If multiple transfers are made in a Certificate Year, the percentages of the Accumulation Value transferred each time will be added together to determine the [20%]
transfer limit for that Certificate Year. For each transfer, the percentage transferred is the ratio of the amount transferred to the portion of the Accumulation Value allocated to Fixed Account Plus immediately prior to the transfer. However, if
following a [20%] transfer, the remaining amount allocated to Fixed Account Plus would be less than [$500], You may transfer the remaining amount.

**3.06 Transfers During the Annuity Period** – During the Annuity Period, You may transfer Annuity Unit values among the Variable Investment Options. You may also transfer Annuity Unit values from the Variable Investment Options underlying a Variable Annuity to provide a Fixed Annuity. Transfers must be at least 365 days apart. We will not permit any transfer from a Fixed Annuity during the Annuity Period. Refer to Section 4.13 for the definition of an Annuity Unit.

**Section 4 – BENEFITS** 

**4.01** **Cash Surrender or Withdrawal –** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Cash Surrender</u>. Subject to the restrictions in Section 5.01 You may surrender Your account before
the Annuity Date for a cash payment equal to the Surrender Value as of the date We receive the request at the Administrative Service Office. The Surrender Value is the Accumulation Value less any charges described below, if applicable.

The Surrender Value of the Fixed Account Options will never be less than the amount of all Purchase Payments allocated to the Fixed Account Options, less any amounts transferred to Variable Investment Options or withdrawn.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Withdrawal</u>. Subject to the restrictions in Section 5.01You may withdraw a portion of the
Accumulation Value in cash at any time before the Annuity Date. We may deduct a charge as described below in Section 4.02.

Except as otherwise expressly authorized by a Plan under which this Certificate is held, rights to transfer, surrender or withdraw under this Section 4.01, apply to the Participant. Plan authority conferred on the Contract Owner, if applicable, which may include authority to surrender the Contract, would be applied at the time of any such withdrawal by determining the amount available for surrender with respect to each Certificate and adding up all of those amounts to determine the aggregate available withdrawal.

**4.02 Charges for Cash Surrender of Withdrawal –** There is no charge for cash surrenders or withdrawals.

**4.03 Annuity Period** – The Annuity Period begins at the Annuity Date, when Your Accumulation Value is applied under an Annuity Income Option. You may change the Annuity Date shown on the first page of Your Certificate by giving Us at least 30 days' notice. The selected Annuity Date may be the first day of any calendar month, but if You choose a life income option, the Annuity Date may not precede Your [50<sup>th</sup>] birthday without Our permission unless otherwise required under the Plan, if any.

**4.04 Starting Annuity Income Benefits** – At least 30 days in advance of the Annuity Date, the Participant must choose one of the Annuity Income Options in Section 4.08 and provide reasonable proof of age for any person whose age is taken into account under a life income option. If You fail to select another Annuity Income Option, annuity payments will be made on the basis of the Second Option with payments guaranteed for a ten-year period, commencing on the Annuity Date.

**4.05 Partial Annuitization / No Commutation** – You may choose to apply less than the full Accumulation Value under an Annuity Income Option and may choose different Annuity Dates and different Annuity Income Options for different portions of the Accumulation Value. Therefore, the Contract may, at times, be in both an Accumulation Period and an Annuity Period. If You choose to do this, the provisions of the Contract relating to the Accumulation Period and the Annuity Period will be applied as though there were separate Contracts. Full or partial commutations by You are not permitted.

**4.06 Minimum Annuity Payments** – You may not choose any Annuity Income Option if the resulting initial payment would be less than $20 ("Minimum Annuity Payment") or the Accumulation Value is less than $5,000 ("Minimum Accumulation Value"), in each case under either a Fixed Annuity, Variable Annuity or a combination Fixed and Variable Annuity. We reserve the right to convert monthly payments to quarterly, semi-annual, or annual payments so the initial payment will be at least the Minimum Annuity Payment. If an Annuity Income Option is not available due to a Minimum Annuity Payment not being achievable or failure to meet the Minimum Accumulation Value, then USL may cancel the annuity and pay the Accumulation Value of the Certificate to You with no withdrawal charge.

**4.07 Misstatement of Age** – If the annuity payments depend upon an individual's survival and the date of birth of any individual was misstated, We will adjust the remaining payments. The amount remaining to be paid will be the amount that should have been paid with the correct information. We will credit or charge the amount of any underpayment or overpayment against the next succeeding payment or payments, if any remain. We reserve the right to collect any overpayment directly from the payee. Once annuity payments have begun, any underpayments will be made up in one sum including interest at the annual rate of [3]% with the next annuity payment. Overpayments including interest at the annual rate of [3]% will be deducted from the future annuity payments until the total is repaid.

**4.08 Annuity Income (Payment) Options** – You may choose to receive payments under any of the Annuity Income Options below or any other option agreed to by USL. Annuity payments will be made

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periodically. Any option chosen must comply with applicable state and federal laws and regulations. Available Annuity Income Options may be limited by the Plan, if any.

**FIRST OPTION** – <u>Life Annuity With No Guarantee Period</u> – An income payable during Your life. All payments cease at Your death with no further amounts payable.

**SECOND OPTION** – <u>Life Annuity With Guarantee Period of 5, 10, 15, or 20 years</u> – An income payable during Your life. If, at Your death, We have made payments for fewer than the number of years selected, We will continue payments to the Beneficiary for the remainder of the guarantee period.

**THIRD OPTION** – <u>Life Annuity With Cash or Unit Refund Option</u> – An income Payable during Your life. Payments cease at Your death. However, the Beneficiary may receive an additional payment. For payments on a Fixed Annuity basis, the additional payment, if any, will be the Accumulation Value applied to this option less the total of all prior payments. For payments on a Variable Annuity basis, the additional payment, if any, will be the current value of the number of Annuity Units credited at the Annuity Date less the number of Annuity Units that have been paid. For this purpose, the number of Annuity Units credited equals the Accumulation Value applied to this option divided by the Annuity Unit Value at the date used to calculate the first annuity payment.

**FOURTH OPTION** – <u>Joint and Survivor Life Annuity</u> – An income payable during the joint lives of You and a second person and thereafter during the life of the survivor.

**FIFTH OPTION** – <u>Payments for a Designated Period</u> – An income payable for a selected number of years between five and thirty. This option is available for Fixed Annuities only.

For an Annuity Income Option quote, please call Us at the telephone number under Customer Service Information on the last page of this Certificate. If any annuity income payment option with a guarantee period provides for installment payments of the same amount at some ages for different guarantee periods, We will deem an election to have been made for the longest guarantee period, which could have been elected for such age and amount.

**4.09 Fixed or Variable Annuity Basis** – A Fixed Annuity provides benefit payments of a fixed dollar amount. A Variable Annuity provides benefit payments which vary with the investment return of the chosen Variable Investment Options.

You may elect to receive payments under any annuity option as a Fixed Annuity, a Variable Annuity, or a combination Fixed and Variable Annuity. If You make no election, amounts in Fixed Account Options will provide a Fixed Annuity and amounts in Variable Investment Options will provide a Variable Annuity.

**4.10 Variable Annuity Payments** – We will determine the amount of each Variable Annuity payment by multiplying the number of Annuity Units payable by the Annuity Unit Value on the [tenth] day (or the preceding business day if the [tenth day] is not a business day) prior to the payment due date.

We will determine the number of Annuity Units payable at the beginning of the Annuity Period. We will divide the dollar amount of the first payment by the Annuity Unit Value for that Variable Investment Option on the tenth day before the Annuity Date. The number of Annuity Units payable from each Variable Investment Option remains constant unless You transfer a portion of the annuity benefit between the Variable Investment Options or from a Variable Annuity to a Fixed Annuity. However, the dollar amount payable is not fixed and may change from month to month. Neither expenses actually incurred, other than taxes on the investment return, nor mortality actually experienced, shall adversely affect the dollar amount of variable annuity payments after such payments have commenced. The smallest annual effective rate of the investment return that would have to be earned on assets of the Separate Account so that the dollar amount of the variable annuity payments will not decrease is 6.25%, compounded daily. The smallest annual rate of investment return may be lower depending on the Separate Account Charge and AIR You selected. The Contract's assumed rate of return is based on compounded interest.

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**4.11 Assumed Investment Rate (AIR)** – Since the future rate of return on Variable Options is unknown, You must choose an Assumed Investment Rate (AIR). The AIR is the assumed rate of return used to determine the first annuity payment for a Variable Annuity Option, and once the AIR is established, it cannot be changed. Rates of 3%, 3 1/2%, 4 1/2%, 5% or a higher rate may be chosen if permitted by state law and regulations. If no AIR is chosen, the AIR will be 3 <sup>1</sup>⁄<sub>2</sub>%. A higher AIR will result in a higher initial payment. Choice of a lower AIR will result in a lower initial payment. Payments will increase whenever the Investment Rate exceeds the chosen AIR. Payments will decrease whenever the Investment Rate is less than the chosen AIR.

**4.12 Annuity Units and Annuity Unit Value** – An Annuity Unit is a measuring unit We use to determine the amount of the annuity payments to be made. All or a portion of the Accumulation Value is used to purchase a stream of annuity payments represented by a number of Annuity Units payable each period. The value of these Annuity Units represents the benefit amount paid each period.

For Fixed Annuity options, the number of Annuity Units equals the dollar amount of each payment since the Annuity Unit Value is fixed at $1.00.

For Variable Annuity options, the Annuity Unit Value varies with the investment rate each period. The Annuity Unit Value is the value of one Annuity Unit of an Investment Option.

The value of a Variable Annuity Unit is A multiplied by B multiplied by C (AxBxC).

A = the Annuity Unit Value for the Variable Investment Option at the immediately preceding computation date

B = 1 + the investment rate for the variable fund for the period

C = the applicable AIR Factor from the following table raised to the power of the number of days in the period

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| | |
|:---|:---|
| AIR | AIR Factor |
| 3% | 0.999919 |
| 3<sup>1</sup>⁄<sub>2</sub>% | 0.999906 |
| 4<sup>1</sup>⁄<sub>2</sub>% | 0.999879 |
| 5% | 0.999866 |

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**4.13 Betterment of Rates** – Fixed and Variable Annuity – We will use the applicable current settlement option rates if these will provide higher fixed annuity payments to You, less any applicable premium taxes.

**4.14 Actuarial Basis of Computation –** For all Annuity Income Options, the value We use to determine annuity payments will be the applied portion of the Accumulation Value on the tenth day (or the preceding business day if the tenth day is not a business day) preceding the date of the first annuity payment, less any applicable premium taxes. The actuarial basis for the life Annuity Income Options is the 2012 Individual Annuity Reserving (IAR) Table using the age nearest Your birthday at the time of the first payment is due and if applicable, a designated second person if permitted under the Annuity Income Options in Section 4.08 and the Fixed Account Option minimum guaranteed interest rate in Section 3.01(b). The annuity rates pertaining to the Actuarial Basis of Computation for Annuity Income Options that are payable for Your lifetime will be furnished upon Your request.

For the Fifth Option, the following table demonstrates payments as described with an example of a 1% interest rate.

**DOLLAR AMOUNT REQUIRED TO PURCHASE AN ANNUITY** 

**WITH A FIRST MONTHLY PAYMENT OF $1.00** 

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Option 5 – Payment for a Designated Period

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| | | | |
|:---|:---|:---|:---|
|  Years of Payment | Years of Payment | Years of Payment | Years of Payment |
| 5 | $58.51 | 18 | $197.68 |
| 6 | $69.86 | 19 | $207.66 |
| 7 | $81.11 | 20 | $217.54 |
| 8 | $92.24 | 21 | $227.32 |
| 9 | $103.26 | 22 | $237.00 |
| 10 | $114.18 | 23 | $246.59 |
| 11 | $124.98 | 24 | $256.09 |
| 12 | $135.68 | 25 | $265.49 |
| 13 | $146.27 | 26 | $274.79 |
| 14 | $156.76 | 27 | $284.01 |
| 15 | $167.14 | 28 | $293.13 |
| 16 | $177.42 | 29 | $302.17 |
| 17 | $187.60 | 30 | $311.11 |

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**4.15 Beneficiaries –** This Section 4.15 provides for terms relating to a Beneficiary in the event a death occurs during the Accumulation Period or during the Annuity Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(a)</u> <u>Definition of a Beneficiary</u>. A Beneficiary is the person or entity You designate to receive any benefits
payable upon Your death.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(b)</u> <u>Designation of a Beneficiary</u>. During Your lifetime, he or she has the right to designate a Beneficiary
and to change the designation. The change may be made by sending a written request to Our Administrative Service Office. A change in Beneficiary will take effect on the date the request is signed; subject to any actions taken by Us prior to the date
We receive the written change of Beneficiary notice. Your most recent Beneficiary change notice in writing received by Us will replace any prior Beneficiary designations. We are not liable for any payment(s) made by Us before the receipt of such
written change of Beneficiary notice.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(c)</u> <u>Payments to Beneficiary</u>. Unless otherwise provided in the Beneficiary designation or in 4.16(a) or (b):

1) If any Beneficiary dies prior to You, that Beneficiary's interest will be divided pro rata among the remaining named Beneficiaries.

2) If no Beneficiary survives You, death benefits will be paid to Your estate.

3) If any Beneficiary dies after You, that Beneficiary's interest will pass to his or her Beneficiary or, if none, to his or her estate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(d)</u> <u>Simultaneous Death Provision</u>. If We cannot determine whether You or a Beneficiary died first in a common
disaster, We will assume that the Beneficiary died first and make payments on that basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(e)</u> <u>Multiple Beneficiaries</u>. You may designate two or more Beneficiaries to receive separate percentage
interests in the death benefits payable under this Certificate. Each such Beneficiary may separately exercise the rights that a Beneficiary has under the Certificate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(f)</u> <u>Contingent Beneficiaries</u>. You may designate one or more Contingent Beneficiaries. A Contingent
Beneficiary will receive benefits payable upon Your death if all of the primary Beneficiaries have died prior to You. A Contingent Beneficiary will have all of the same rights as a Beneficiary during the Accumulation Period or an Annuity Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(g)</u> <u>Trust or Estate as Beneficiary</u>. Payments to a Beneficiary that is a trust or estate will be made only in
a lump sum or in installments over a period not to exceed five years, to the extent required by applicable law.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(h)</u> <u>Unlocatable Beneficiaries</u>. If after exercise of reasonable diligence We are unable to obtain a mailing
address or other suitable contact information for a designated Beneficiary using methods allowed by and within the period required by applicable state or federal regulations, then, except as otherwise directed by the Contract Owner and in accordance
with the terms of the Plan, if any, or as otherwise required under applicable law, We will deem You to have no designated Beneficiary, and We will pay the proceeds to the Participant's Estate.

**4.16** **Death Payment Provisions -** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(a)</u> <u>Death During Accumulation Period</u>. If You die during the Accumulation Period, a death benefit is payable. The death benefit is the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. the Accumulation Value of Your Account on the date We receive proof of death in good order, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. 100% of Adjusted Purchase Payment Amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Adjusted Purchase Payment Amount means:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. On the issue date of Your Certificate, the Adjusted Purchase Payment Amount shall be the sum of all Purchase
Payments under the certificate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. On any date after the issue date of Your Certificate, the Adjusted Purchase Payment Amount shall be increased
by additional Purchase Payments made to the certificate, and reduced proportionately by all prior Gross Withdrawals as provided in 4.16(a)(iii).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Each Gross Withdrawal (meaning, all withdrawals of any kind and associated fees and charges and any portion of
the Accumulation Value that has been applied to an Annuity Income Option) shall result in a proportionate reduction in the Adjusted Purchase Payment Amount, determined by multiplying the Adjusted Purchase Payment Amount, measured immediately prior
to the Gross Withdrawal, by a fraction. Such fraction shall be equal to the Gross Withdrawal divided by the Accumulation Value immediately prior to the Gross Withdrawal.

In the event no Beneficiary or Contingent Beneficiary has been named, or if none of the Beneficiaries survive the Participant, then benefits will be paid as set forth in this Section 4.16(a) consistent with applicable contract or law including the Code and ERISA, and if no such requirements dictate who benefits will be paid to, then to the Participant's estate. The death benefit is payable at any time Your Beneficiary selects and in any form You could have selected under the Contract. If any Beneficiary or Contingent Beneficiary does not select a form of payment of the death benefit, then the death benefit will be paid as set forth in this Section 4.16(a) consistent with applicable law including the Code and ERISA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(b)</u> <u>Death During Annuity Period</u>. If You die during the Annuity Period, the amount of the death benefit, if any, will be based on the terms of the Annuity Income Option. Unless You elected the Fourth Option, the Beneficiary may elect to receive the death benefit in one of the following forms:

1) Continuing annuity payments under the terms of Your Annuity Income Option with the right, for Variable Annuities only, to receive the remaining payments in a lump sum at any time thereafter;

2) A lump sum; or

3) Annuity payments under another Annuity Income Option, based on the available lump sum.

The lump sum available under these alternatives is the present value of remaining payments, discounted at the Assumed Investment Rate, and based on the current Annuity Unit Value for 2) and

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3), or the value next determined after receipt of the request at USL's Administrative Service Office for 1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(c)</u> <u>Investment Options and Other Rights</u>. Until the death benefits have been fully paid, Your Beneficiary will be entitled to exercise all the Investment Options and other rights You can exercise under the Contract. Unpaid death benefits that have not been applied under an Annuity Income Option will have an Accumulation Value determined in the same manner as Your Accumulation Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(d)</u> <u>Proof of Death.</u> Proof of death may be made by sending USL a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to death, a written statement by an attending physician, or any other proof satisfactory to USL.

**Section 5 – CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS** 

**5.01** **General -** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Contract Owner may impose limits and/or requirements on the Participant consistent with the terms of the
Plan; however, such Plan provisions do not become part of the Contract. No such Plan provision shall limit a Participant's rights under this Contract, unless the Contract Owner has provided USL with written notification of such provision. In no
event shall any such Plan provision enlarge USL's obligations under the Contract and this Certificate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Additional Plan-related provisions may be added to Your Certificate by endorsement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) If Your Purchase Payments are made under a voluntary salary reduction agreement as part of a tax- deferred annuity arrangement under Section 403(b) of the Code, there may not be a separate Plan document, in which case the Contract is the Plan.

**5.02 Direct Rollovers** – If any benefit payable under this Certificate constitutes an "eligible rollover distribution" within the meaning of Section 402 of the Code, You have the right to elect to have such distribution paid directly to an "eligible retirement plan" in a transaction designated under the Code as a "direct rollover." Before any eligible rollover distribution is made to You, we will provide You with a written explanation of Your right to make a direct rollover and the tax consequences of making or not making a direct rollover. No surrender, withdrawal, or other benefit distribution that constitutes an eligible rollover distribution will be made to You under this Certificate, unless the Code's requirements applicable to eligible rollover distributions have been satisfied. Except for eligible rollover distributions, We reserve the right to make payments only to You or Your Beneficiary.

**Section 6 – GENERAL PROVISIONS** 

**6.01 Vesting** – Except as may be provided in the Plan, the Code, and ERISA, Your rights under the Contract are fully vested and nonforfeitable. USL Separate Account RS holds all assets for Variable Investment Options for the exclusive benefit of Participants, Beneficiaries, and other holders of annuity contracts.

**6.02 Written Notices to Us** – Except as specifically provided otherwise, any notice of change, election, choice, option or other exercise of right given under the Contract must be in a written request or notice in acceptable form to Us, which is signed and dated by You. Such notice will be deemed effective as of the date of the written request for the change and must be received at Our Administrative Service Center. The change will be subject to action taken by Us before the request is received.

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**6.03 Reports** – We will send You a Separate Account financial report twice each year if You have value in any Variable Investment Option. We will send to You, at least annually, a statement showing the dollar value of all investment options, investment performance since the prior statement, and as applicable, the number and value of any Variable Accumulation Units credited to Your account. All statements will be mailed within two months of the date of the information.

**6.04 Voting Rights** – We will hold the voting rights on all shares held in the Separate Account. To the extent of this Contract's participation in the Separate Account through one or more Variable Investment Options, We will vote those shares as instructed. Except as otherwise directed by the Contract Owner and pursuant to the Plan, You, or the Beneficiary, if You have died, will have the voting instruction rights prior to the Annuity Date. The annuity payee will have the voting instruction rights on and after the Annuity Date.

**6.05 Suspension of Payments** – USL reserves the right to suspend or postpone payments or withdrawals under the Separate Account for any period when: (a) the New York Stock Exchange is closed (other than customary weekend and holiday closings); (b) when trading on the New York Stock Exchange is restricted; (c) when an emergency prevents disposal of or determination of the value of shares of the Variable Account Options is not reasonably practicable; or (d) during any other period when the SEC, by order, so permits for the protection of security holders. The Company will notify the New York State Department of Financial services of this under this Section 6.05.

**6.06 Deferral of Cash Surrender or Withdrawal** – USL may defer payment of any surrender of amounts accumulated in Fixed Account Options if permitted by applicable law. Deferral shall not exceed six months from the receipt of written notice at the Administrative Service Office in good order. Interest shall be paid if payment is deferred for ten days or more after the date on which the surrender notice was received by USL on fully and accurately completed forms and/or instructions, including any necessary documentation We may require, applicable to any given request from You received at Our Administrative Service Center. Interest will be credited at the rate then currently being credited in the applicable Fixed Account Options.

**6.07 Proof of Survival** – We reserve the right to require reasonable proof that You and any payee is alive on the date any benefit payment is due. If this proof is not received after requested in writing, We will have the right to make reduced payments or to withhold payments entirely until such reasonable proof is received. Such proof will only be required no more frequently than annually or if We have reasonable suspicion You or a payee is deceased.

**6.08 Substitution of Investment Fund Shares** – If shares of a particular Investment Fund are not available or if, in the judgment of USL, such shares are no longer appropriate for a Variable Investment Option, shares of another Investment Fund may be substituted for the Investment Fund shares already held under the Variable Investment Options and for those to be purchased by future Purchase Payments or transfers under this Contract. In the event any substitution occurs, USL will notify the Contract Owner in advance of the substitution.

**6.09 Minimum Benefit** – The paid up annuity, cash surrender or death payment available under this Contract will not be less than the minimum benefits required by any statute of the state in which the Contract is delivered.

**6.10 Separate Account –** Amounts allocated by Us to a Separate Account shall be owned by Us. The Separate Account assets shall be Our property. All of the assets of the Separate Account are not chargeable with liabilities arising out of any other business of USL, provided that the portion of assets of the Separate Account not chargeable with liabilities arising out of any other business of USL shall not exceed the following: (a) the assets purchased with considerations allocated to the Separate Account by the Contract Owner or Participant certificate holder; minus (b) any benefits paid from such assets; minus (c) any charges taken from such assets under the terms of the Contract or a Participant certificate; minus (d) any Contract

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Owner or Participant certificate holder initiated transfers of such assets out of the Separate Account; plus (e) the net investment returns earned on the net amount of such assets.

**6.11 Merger or Closure of One or More Investment Funds** – The following provisions will apply in the event of closure of or changes to the Short Term Fixed Account and the Fixed Account Plus or to one or more of the Investment Funds underlying the Variable Investment Options in the Separate Account described in Section 3.02:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) If the Short Term Fixed Account and/or the Fixed Account Plus, or an Investment Fund, is closed to new Purchase
Payments and/or new transfers, and absent alternate directions from You, amounts that otherwise would have been deposited into the closed Fixed Account Option(s) will be invested in a money market fund Variable Investment Option, if available, or
otherwise, in the Short Term Fixed Account, and with respect to a closed Variable Investment Option(s), amounts that otherwise would have been deposited into the closed Variable Investment Option will be invested in such other Investment Option(s),
as consistent with applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If a change is made to one or more of the underlying Investment Funds, through a merger or other fund action,
upon official notification of such fund action(s) the Company will make reasonable efforts to provide advance notice to the Plan of any relevant changes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) If an Investment Fund then available in the Plan ("Merged Fund") is to be merged with and into an
Investment Fund that is not available in the Plan ("Surviving Fund"): (i) the Plan may direct assets in the Investment Option invested in the Merged Fund, and any future contributions that would be allocated to such Variable Investment
Option, to another Variable Investment Option available in the Contract; or (ii) if prior to the effective date of a fund merger, a Plan has not provided to the Company any directions under Section 6.11(b) or Section 6.11(c)(i), then:
(x), the Contract shall default to inclusion of the Variable Investment Option invested in the Surviving Fund, (y) Plan assets in the Variable Investment Option invested in the Merged Fund shall be allocated to the Variable Investment Option
invested in the Surviving Fund upon the effective date(s) of the fund merger, and (z) contribution instructions directing allocations to the Variable Investment Option invested in the Merged Fund at the effective date of the merger shall be
redirected to the Variable Investment Option invested in the Surviving Fund following the effective date(s) of the fund merger, until or unless alternate direction is provided by or on behalf of the Plan.

**6.12 Termination of the Contract by USL** – USL may suspend the Contract by giving written notice as otherwise provided in the Contract or if it is determined that Purchase Payments do not comply with the requirements of the Code or ERISA. Upon depletion of all the assets under the Contract, the Contract will terminate, and USL will be relieved of all further liability, except with respect to any Annuities purchased on behalf of Participants.

**6.13 Forfeiture** – If contributions under the Plan under which the Contract is held are subject to a vesting schedule, the Participant's Account Value may be reduced by such non-vested amounts upon termination of employment as specified by the Plan.

**6.14 Distributed Contract** – The Contract Owner may direct the distribution of a fully paid-up Certificate from the Contract Owner's Plan, in which case all rights otherwise reserved in the Certificate to the Contract Owner, the Plan, or an agent of either the Contract Owner or the Plan (other than the limited authority to hold a group annuity contract, if applicable, without exercising rights thereunder) are hereby terminated, and such rights are reserved solely to You.

**6.15 Applicable Law** – This Certificate has been delivered to You or a designated representative in the State of New York. This Certificate will be construed in accordance with and governed by applicable law of the State of New York.

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**6.16 Non-Participating Contract** – The Contract is non-participating and does not share in the profits or surplus of USL.

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**CUSTOMER SERVICE INFORMATION** 

If you have any questions regarding this Certificate, please call us at

[1-800-448-2542] or write:

The United States Life Insurance Company in the City of New York

[Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105]

<sup>©</sup> The United States Life Insurance Company in the City of New York. All rights reserved.

## Ex-99.(D)(2)

**The United States Life Insurance Company in the City of New York (USL)** 

Home Office

[28 Liberty Street, 47<sup>th</sup> floor

New York, New York 10005]

Administrative Service Office:

**[**Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105]

**CONTRACT OWNER:** [XYZ Company]

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| | |
|:---|:---|
| **CONTRACT NUMBER:** [123ABC] | **DATE OF ISSUE:** [01/01/2025] |

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In return for Purchase Payment(s), USL will pay annuity and other benefits as provided in this Contract.

**PLEASE READ YOUR CONTRACT CAREFULLY** 

**See Index on the following pages** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Maintenance Charge –** There may be an account maintenance charge during the accumulation period. The
charge is $3.75 for each quarter and is assessed only if any portion of the Accumulation Value was applied to one or more Variable Investment Options during that quarter. See Section 2.05 for a complete description.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Separate Account Charge –** There is a daily charge against the Separate Account at an annual rate of
up to 1.25% of the assets of the Variable Investment Options to which assets are allocated. This charge only applies to assets of the Variable Investment Options. See Section 2.06.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Cash Surrender or Withdrawal Charge –** There is no charge at the time of surrender or withdrawal. See
Section 4.02.

The conditions and provisions on this and the following pages, including any attached Endorsement(s) and/or Rider(s), are the entire legal Contract between USL and the Contract Owner. No agent has the authority to change this Contract or waive any of its provisions. Only the President or a Vice President of USL may change this Contract. Any such changes must be in writing. All conditions and provisions are subject to applicable state and federal laws.

**RIGHT TO EXAMINE – If, within 20 days of receipt of this Contract or a certificate under this Contract (60 days if the Contract or a certificate under this Contract replaced any other life insurance or annuity contract(s) or certificate(s)) You are not satisfied with it, You may return this Contract to Our Administrative Service Office or to an authorized representative of the Company. The Company will refund the Purchase Payment, including any fees or other charges, or the Accumulation Value, whichever is greater, as of the business day during which We or an authorized representative receives the Contract or a certificate under this Contract as of the date the Contract or a certificate under this Contract is mailed (post-marked date) to Us. Upon such refund, the Contract or a certificate under this Contract shall be void.** 

EXECUTED AT USL'S HOME OFFICE ON THE DATE OF ISSUE

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![LOGO](g934124dsp388.jpg)

ANNUITY PAYMENTS AND SURRENDER VALUES PROVIDED BY THIS CONTRACT WHEN BASED ON INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT AND WILL INCREASE OR DECREASE IN VALUE BASED ON INVESTMENT RESULTS.

The smallest annual effective rate of the investment return that would have to be earned on assets of the Separate Account so that the dollar amount of variable annuity payments will not decrease is 6.25%, compounded daily. The smallest annual rate of investment return may be lower depending on the Separate Account Charge and Assumed Investment Return elected.

**[USL may close the fixed account options provided for in this Contract to new deposits or transfers at any time after the Date of Issue with [ 30 ] days advance written notice (see section 3.01).]** 

**GROUP VARIABLE DEFERRED ANNUITY CONTRACT** 

**WITH FIXED FUNDING** 

**NON-PARTICIPATING** 

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**INDEX** 

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| | | |
|:---|:---|:---|
| **Section 1** | **DEFINITIONS** | **[5-6]** |
| **Section 2** | **CONTRACT AND PURCHASE PAYMENTS** | **[6]** |
| 2.01 | Incontestability | [6] |
| 2.02 | Minimum Contract Value | [6] |
| 2.03 | Plan Provisions | [6] |
| 2.04 | Purchase Payments | [6] |
| 2.05 | Maintenance Charge | [6] |
| 2.06 | Separate Account Charge | [6] |
| **Section 3** | **INVESTMENT OPTIONS** | **[6-7]** |
| 3.01 | Fixed Account Options | [7] |
| 3.02 | Variable Investment Options | [7] |
| 3.03 | Accumulation Unit | [7-8] |
| 3.04 | Accumulation Unit Value | [8] |
| 3.05 | Transfers During the Accumulation Period | [8] |
| 3.06 | Transfers During the Annuity Period | [8] |
| **Section 4** | **BENEFITS** | **[8]** |
| 4.01 | Cash Surrender or Withdrawal | [8-9] |
| 4.02 | Charges for Cash Surrender or Withdrawal | [9] |
| 4.03 | Annuity Period | [9] |
| 4.04 | Starting Annuity Income Benefits | [9] |
| 4.05 | Partial Annuitization / No Commutation | [9] |
| 4.06 | Minimum Annuity Payments | [9-10] |
| 4.07 | Misstatement of Age | [10] |
| 4.08 | Annuity Income (Payment) Options | [10] |
| 4.09 | Fixed or Variable Annuity Basis | [10] |
| 4.10 | Variable Annuity Payments | [10-11] |
| 4.11 | Assumed Investment Rate (AIR) | [11] |
| 4.12 | Annuity Units and Annuity Unit Value | [11] |
| 4.13 | Betterment of Rates | [11] |
| 4.14 | Actuarial Basis of Computation | [11-12] |
| 4.15 | Beneficiaries | [12-13] |
| 4.16 | Death Payment Provisions | [13-14] |
| **Section 5** | **CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS** | **[14]** |
| 5.01 | General | [14] |
| 5.02 | Direct Rollovers | [14] |
| 5.03 | Plan Provisions | [14-15] |
| **Section 6** | **GENERAL PROVISIONS** | **[15]** |
| 6.01 | Participant Certificates | [15] |

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6.02 Vesting [15]

6.03 Written Notices to Us [15]

6.04 Change of Contract [15]

6.05 Future Participants [15]

6.06 Reports [15]

6.07 Voting Rights [15]

6.08 Suspension of Payments [15]

6.09 Deferral of Cash Surrender or Withdrawal [15-16]

6.10 Proof of Survival [16]

6.11 Substitution of Investment Fund Shares [16]

6.12 Minimum Benefit [16]

6.13 Separate Account [16]

6.14 Merger or Closure of One or More Investment Options [16-17]

6.15 Termination of the Contract by USL [17]

6.16 Forfeiture [17]

6.17 Distributed Contract [17]

6.18 Applicable Law [17]

6.19 Non-Participating Contract [17]

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**Section 1 – DEFINITIONS** 

**Accumulation Period –** the time between the date of the first Purchase Payment and the Annuity Date, as defined in Section 4.03, for a Participant.

**Accumulation Value –** equals the sum of the values of the Fixed Account Options (including interest) and Variable Investment Options allocated to a Participant Account that have not been applied to provide annuity payments.

**Administrative Service Office –** the address shown on Page 1 of this Contract or a certificate where all Written Notices to Us regarding this Contract or a certificate are to be sent.

**Annuitant** – means the person on whose life USL will base payments during the Annuity Period.

**Annuity** – a periodic benefit purchased for a Participant under Section 4.

**Annuity Period** – the time during which USL makes annuity payments.

**Certificate Year** – the twelve month period starting with the issue date of a Participant's certificate and each anniversary of that date.

**Code** – the Internal Revenue Code of 1986, as amended.

**Company** – "We," "Our," "Us," "Company," or "USL," means The United States Life Insurance Company in the City of New York.

**Contract Owner** – the entity that makes application for the Contract. A reference to "You" or "Your" means the Contract Owner or designated administrator.

**ERISA** – the Employment Retirement Income Security Act of 1974, as amended.

**General Account** – assets of USL other than those in the Separate Account or any other segregated asset account.

**Investment Fund** – an investment portfolio or fund which is the underlying investment medium for a Variable Investment Option.

**Participant** – a person for whom or with respect to whom Purchase Payments are made under the Contract.

**Participant Account** – an individual account which is established for a Participant to record the Accumulation Value for the Participant.

**Plan** – the employer-sponsored retirement plan, annuity purchase arrangement, or deferred compensation program for which this Contract is issued.

**Purchase Payment** – an amount paid to USL for allocation to a Participant Account.

**SEC** – The U. S. Securities and Exchange Commission.

**Separate Account** – a segregated asset account established under the New York Insurance Law (known as USL Separate Account RS).

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**Surrender Value** – the Accumulation Value of a Participant Account less any applicable surrender charge and excluding any full or partial annuitization.

**Section 2 – CONTRACT AND PURCHASE PAYMENTS** 

**2.01 Incontestability** – This Contract is incontestable.

**2.02 Minimum Contract Value** – We can distribute the Surrender Value if the Accumulation Value for the Participant Account falls below [$300] and there are no Purchase Payments for [two Certificate Years].

**2.03 Plan Provisions** – As further explained in Section 5, this Contract is subject to the provisions of the Plan. To the extent provided by the Plan, any rights that may be exercised by a Participant under this Contract may instead be exercised by the Contract Owner or a Plan representative.

**2.04 Purchase Payments** – Purchase Payments may be made at any time during the Accumulation Period and may include amounts that are rolled over or directly transferred from another plan; however, We reserve the right to limit, refuse or cease accepting Purchase Payments into the Contract, or specific categories of Purchase Payments (e.g., transfers from other plans or from other accounts or investments under the Plan, or transfers or Purchase Payments that are not periodic or that are limited in dollar amount) at any time, with not less than [180] days advance notice of such limitation or cessation. We require no payment beyond the first. There is no penalty if any scheduled payments are omitted or stopped.

If only one Purchase Payment is to be allocated to a Participant's Account, it must be at least [$1,000]. Periodic payments must be at least [$30] each. USL may waive this minimum.

We may deduct amounts from Purchase Payments or from the Accumulation Value for applicable premium taxes, if any. We will allocate the net Purchase Payment to one or more Investment Options according to the Participant's directions unless the Contract Owner has retained that right under the Plan.

**2.05 Maintenance Charge** – During the Accumulation Period, We will deduct a charge from the Accumulation Value for certain account maintenance expenses. The charge is due each calendar quarter during which the Accumulation Value includes any Variable Investment Option. We will not deduct the charge for any calendar quarter if the Accumulation Value is credited only to the Fixed Account Options throughout the calendar quarter.

We will deduct the charge at the end of the calendar quarter in which it is due, allocated proportionally among the Variable Investment Options of Your Account. However, if all Variable Investment Option Accumulation Values are withdrawn or transferred entirely to one or more Fixed Account Option(s), the full quarterly charge will be deducted at the time of surrender or transfer.

The charge is $3.75 for each Account for each quarter. The maintenance charge may be waived or reduced uniformly on all Participant Accounts for contracts issued under certain plans or arrangements which are expected to result in administrative cost savings. No reduction or waiver will be made that is unfairly discriminatory to any person.

**2.06 Separate Account Charge** – We deduct a daily charge from the Separate Account. The amount of the charge depends on the Variable Investment Options from which it is deducted and is imposed at an annual rate of up to 1.25% of the assets of the Variable Investment Options.

**Section 3 – INVESTMENT OPTIONS** 

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We will allocate Purchase Payments to one or more Variable Investment Options and Fixed Account Options ("Investment Options") selected by the Participant. Each selection must be a whole percentage of Purchase Payments. We reserve the right to limit the number of Investment Options available under the Contract as set forth in Section 3.05(a). The Investment Options available under the Contract will be those selected by the Contract Owner on the application. The Contract Owner may request, from time to time, that We add or substitute Investment Options available from the Separate Account. Any such request will be subject to Our approval and to any other applicable limitations in the Contract.

**3.01 Fixed Account Options** – Fixed Account Options are based on the General Account. Allocations to the Fixed Account Options earn interest as credited daily by USL during the Accumulation Period. The interest credited will be at least the guaranteed minimum interest rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The guaranteed minimum interest rate that will be credited to amounts in the Fixed Account Options for a
Participant Account during the Accumulation Period will be shown on the Investment Information Page or an applicable endorsement, if needed, for that Participant Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Notwithstanding subparagraph (a) above, a separate guaranteed minimum interest rate will be used to
determine minimum fixed annuity payments during the Annuity Period. The guaranteed minimum interest rate for fixed annuity payments will be 2% or the Guaranteed Minimum Interest Rate shown on the Investment Information Page, if less.

There are two Fixed Account Options: Short Term Fixed Account and Fixed Account Plus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(i)</u> <u>Short Term Fixed Account</u>. We will credit interest to the Short Term Fixed Account on a portfolio basis.
On the portfolio basis, all amounts accumulated will be credited with the same rate of interest for not less than a calendar year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(ii)</u> <u>Fixed Account Plus.</u> We will credit interest to the Fixed Account Plus on the following basis:
Periodically, but not less frequently than annually based on a calendar year, We will declare interest rates that apply separately to amounts accumulated in separate time periods. Each such declared interest rate will be the same rate of interest
for not less than a calendar year.

[Throughout the duration of the Contract, USL may close one or more of the Fixed Account Options to deposits or transfers, and to transfers among the Investment Options, at any time after the Date of Issue with [30] days advance written notice. USL may make the Fixed Account Options available or close the Fixed Account Options as frequently as it determines at any point in time while the Contract is in force, provided USL gives [30] days advance written notice in each case. This right may be exercised where the yield on investments would not support the guaranteed minimum interest rate or where new Purchase Payments or transfers in or among Investment Options do not comply with requirements regarding transfers provided for in this Contract.]

**3.02 Variable Investment Options** – Variable Investment Options are based upon Investment Funds available within the Separate Account. The Separate Account invests in a number of Investment Funds. Each Investment Fund underlying a Variable Investment Option has a different investment objective. Investment returns on Variable Investment Options may be positive or negative and are not guaranteed.

**3.03 Accumulation Unit** – An Accumulation Unit is a measuring unit for amounts allocated to a Variable Investment Option before annuity payments begin. The value of an Accumulation Unit will vary with the net investment return of the respective underlying Investment Fund. Accumulation Units may be credited to the Participant's Account due to a Purchase Payment or a transfer from another Investment Option. The number of Accumulation Units credited to the Participant's Account is determined by dividing the dollar amount of

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the transaction by the Accumulation Unit Value for that Variable Investment Option at the next time it is computed.

**3.04 Accumulation Unit Value** – The Accumulation Unit Value is the value of one Accumulation Unit of a Variable Investment Option. We will calculate it at the end of trading each day the New York Stock Exchange is open, except as described in Section 6.08. The value of an Accumulation Unit of a Variable Investment Option is the Accumulation Unit Value last computed, multiplied by one plus the Investment Rate for the period. The Investment Rate may be positive or negative. The Investment Rate is the change in the value of the Investment Fund's portfolio (capital gains and losses whether or not realized and investment income) since the last computation, divided by the amount of assets at the beginning of the period, less a factor for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Separate Account Charge for the period at the applicable annualized rate up to 1.25%, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Any taxes attributed to the Separate Account or reserve held for such taxes.

**3.05 Transfers During the Accumulation Period** – During the Accumulation Period, the Participant may request transfers by telephone, through the Company's website, or in writing by mail. The Participant may transfer amounts among Investment Options, subject to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) We reserve the right to limit allocations among Investment Options to [twenty] at any one time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) We reserve the right to require transfers to be at least [30] days apart.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Transfers from the Short Term Fixed Account</u>. After a transfer to the Short Term Fixed Account, the
Participant may not make any transfer from the Short Term Fixed Account for [90] days. We may change this transfer restriction at any time. However, the transfer restriction period may not exceed [180] days.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Transfers from Fixed Account Plus</u>. The Participant may transfer to other Investment Options up to [20%]
of the Accumulation Value allocated to Fixed Account Plus during each Certificate Year. If multiple transfers are made in a Certificate Year, the percentages of the Accumulation Value transferred each time will be added together to determine the
[20%] transfer limit for that Certificate Year. For each transfer, the percentage transferred is the ratio of the amount transferred to the portion of the Accumulation Value allocated to Fixed Account Plus immediately prior to the transfer. However,
if following a [20%] transfer, the remaining amount allocated to Fixed Account Plus would be less than [$500], the Participant may transfer the remaining amount.

**3.06 Transfers During the Annuity Period** – During the Annuity Period, the Participant may transfer Annuity Unit values among the Variable Investment Options. The Participant may also transfer Annuity Unit values from the Variable Investment Options underlying a Variable Annuity to provide a Fixed Annuity. Transfers must be at least 365 days apart. We will not permit any transfer from a Fixed Annuity during the Annuity Period. Refer to section 4.12 for the definition of an Annuity Unit.

**Section 4 – BENEFITS** 

**4.01 Cash Surrender or Withdrawal –** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Cash Surrender</u>. Subject to the restrictions in Sections 5.01 and 5.03, the Participant may surrender the
Participant Account before the Annuity Date for a cash payment equal to the Surrender Value as of the date We receive the request at the Administrative Service Office. The Surrender Value is the Accumulation Value less any charges described below,
if applicable.

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The Surrender Value of the Fixed Account Options will never be less than the amount of all Purchase Payments allocated to the Fixed Account Options, less any amounts transferred to Variable Investment Options or withdrawn.

b) <u>Withdrawal</u>. Subject to the restrictions in Sections 5.01 and 5.03, the Participant may withdraw a
portion of the Accumulation Value in cash at any time before the Annuity Date. We may deduct a charge as described below in section 4.02.

c) <u>Contract Owner Withdrawal or Surrender</u>. Subject to the restrictions in Section 5.03 and in
accordance with applicable law, the Code and/or ERISA:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Except as otherwise expressly authorized by a Plan under which this Contract is held, rights to surrender or
withdraw under this Section 4.01, apply to the Participant. Plan authority conferred on the Contract Owner, if applicable, which may include authority to surrender the Contract, would be applied to the time of any such withdrawal by determining
the amount available for surrender with respect to each Certificate and adding up all of those amounts to determine the aggregate available withdrawal; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) In the event the Contract Owner withdraws or surrenders pursuant to this Section 4.01(c),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) The Contract Owner and the Company will mutually agree to a date on which Purchase Payments will no longer be
accepted by the Company; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) On behalf of the Participants, the Contract Owner will be permitted to surrender the Contract in accordance
with Section 4.02 with respect to the Variable Investment Options and the Fixed Account Options, as determined in each case by mutual agreement with the Company.

**4.02 Charges for Cash Surrender or Withdrawal** - There is no charge for cash surrenders or withdrawals.

**4.03 Annuity Period** – The Annuity Period begins at the Annuity Date, when the Participant's Accumulation Value is applied under an Annuity Income Option. The Participant may change the Annuity Date shown on the first page of the Participant Certificate by giving Us at least 30 days' notice. The selected Annuity Date may be the first day of any calendar month, but if the Participant chooses a life income option, the Annuity Date may not precede the Participant's [50<sup>th</sup> ] birthday without Our permission unless otherwise required under the Plan, if any.

**4.04 Starting Annuity Income Benefits** – At least 30 days in advance of the Annuity Date, the Participant must choose one of the Annuity Income Options in Section 4.08 and provide reasonable proof of age for any person whose age is taken into account under a life income option. If the Participant fails to select another Annuity Income Option, annuity payments will be made on the basis of the Second Option with payments guaranteed for a ten-year period, commencing on the Annuity Date.

**4.05 Partial Annuitization / No Commutation** – The Participant may choose to apply less than the full Accumulation Value under an Annuity Income Option and may choose different Annuity Dates and different Annuity Income Options for different portions of the Accumulation Value. Therefore, the Contract may, at times, be in both an Accumulation Period and an Annuity Period. If the Participant chooses to do this, the provisions of the Contract relating to the Accumulation Period and the Annuity Period will be applied as though there were separate Contracts. Full or partial commutations by the Participant are not permitted.

**4.06 Minimum Annuity Payments** – The Participant may not choose any Annuity Income Option if the resulting initial payment would be less than $20 ("Minimum Annuity Payment") or the Accumulation Value is less than $5,000 ("Minimum Accumulation Value"), in each case under either a Fixed Annuity, Variable Annuity or a combination Fixed and Variable Annuity. We reserve the right to convert monthly payments to quarterly, semi-annual, or annual payments so the initial payment will be at least the Minimum Annuity

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Payment. If an Annuity Income Option is not available due to a Minimum Annuity Payment not being achievable or failure to meet the Minimum Accumulation Value, then USL may cancel the annuity and pay the Accumulation Value of the Certificate to the Participant with no withdrawal charge.

**4.07 Misstatement of Age** – If the annuity payments depend upon an individual's survival and the date of birth of any individual was misstated, We will adjust the remaining payments. The amount remaining to be paid will be the amount that should have been paid with the correct information. We will credit or charge the amount of any underpayment or overpayment against the next succeeding payment or payments, if any remain. We reserve the right to collect any overpayment directly from the payee. Once annuity payments have begun, any underpayments will be made up in one sum including interest at the annual rate of [3]% with the next annuity payment. Overpayments including interest at the annual rate of [3]% will be deducted from the future annuity payments until the total is repaid.

**4.08 Annuity Income (Payment) Options** – The Participant may choose to receive payments under any of the Annuity Income Options below or any other option agreed to by USL. Annuity payments will be made periodically. Any option chosen must comply with applicable state and federal laws and regulations. Available Annuity Income Options may be limited by the Plan, if any.

**FIRST OPTION** – <u>Life Annuity With No Guarantee Period</u> – An income payable during the Participant's life. All payments cease at the Participant's death with no further amounts payable.

**SECOND OPTION** – <u>Life Annuity With Guarantee Period of 5, 10, 15, or 20 years</u> – An income payable during the Participant's life. If, at the Participant's death, We have made payments for fewer than the number of years selected, We will continue payments to the Beneficiary for the remainder of the guarantee period.

**THIRD OPTION** – <u>Life Annuity With Cash or Unit Refund Option</u> – An income Payable during the Participant's life. Payments cease at the Participant's death. However, the Beneficiary may receive an additional payment. For payments on a Fixed Annuity basis, the additional payment, if any, will be the Accumulation Value applied to this option less the total of all prior payments. For payments on a Variable Annuity basis, the additional payment, if any, will be the current value of the number of Annuity Units credited at the Annuity Date less the number of Annuity Units that have been paid. For this purpose, the number of Annuity Units credited equals the Accumulation Value applied to this option divided by the Annuity Unit Value at the date used to calculate the first annuity payment.

**FOURTH OPTION** – <u>Joint and Survivor Life Annuity</u> – An income payable during the joint lives of the Participant and a second person and thereafter during the life of the survivor.

**FIFTH OPTION** – <u>Payments for a Designated Period</u> – An income payable for a selected number of years between five and thirty. This option is available for Fixed Annuities only.

For an Annuity Income Option quote, please call Us at the telephone number under Customer Service Information on the last page on this Contract or a certificate.

**4.09 Fixed or Variable Annuity Basis** – A Fixed Annuity provides benefit payments of a fixed dollar amount. A Variable Annuity provides benefit payments which vary with the investment return of the chosen Variable Investment Options.

The Participant may elect to receive payments under any annuity option as a Fixed Annuity, a Variable Annuity, or a combination Fixed and Variable Annuity. If the Participant makes no election, amounts in Fixed Account Options will provide a Fixed Annuity and amounts in Variable Investment Options will provide a Variable Annuity.

**4.10 Variable Annuity Payments** – We will determine the amount of each Variable Annuity payment by multiplying the number of Annuity Units payable by the Annuity Unit Value on the [tenth] day (or the preceding business day if the [tenth] day is not a business day) prior to the payment due date.

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We will determine the number of Annuity Units payable at the beginning of the Annuity Period. We will divide the dollar amount of the first payment by the Annuity Unit Value for that Variable Investment Option on the tenth day before the Annuity Date. The number of Annuity Units payable from each Variable Investment Option remains constant unless the Participant transfers a portion of the annuity benefit between the Variable Investment Options or from a Variable Annuity to a Fixed Annuity. However, the dollar amount payable is not fixed and may change from month to month. Neither expenses actually incurred, other than taxes on the investment return, nor mortality actually experienced, shall adversely affect the dollar amount of variable annuity payments after such payments have commenced. The smallest annual effective rate of the investment return that would have to be earned on assets of the Separate Account so that the dollar amount of the variable annuity payments will not decrease is 6.25%, compounded daily. The smallest annual rate of investment return may be lower depending on the Separate Account Charge and AIR You selected. The Contract's assumed rate of return is based on compounded interest.

**4.11 Assumed Investment Rate (AIR)** – Since the future rate of return on Variable Options is unknown, the Participant must choose an Assumed Investment Rate (AIR). The AIR is the assumed rate of return used to determine the first annuity payment for a Variable Annuity Option, and once the AIR is established, it cannot be changed. Rates of 3%, 3 1/2%, 4 1/2%, 5% or a higher rate may be chosen if permitted by state law and regulations. If no AIR is chosen, the AIR will be 3 <sup>1</sup>⁄<sub>2</sub>%. A higher AIR will result in a higher initial payment. Choice of a lower AIR will result in a lower initial payment. Payments will increase whenever the Investment Rate exceeds the chosen AIR. Payments will decrease whenever the Investment Rate is less than the chosen AIR.

**4.12 Annuity Units and Annuity Unit Value** – An Annuity Unit is a measuring unit We use to determine the amount of the annuity payments to be made. All or a portion of the Accumulation Value is used to purchase a stream of annuity payments represented by a number of Annuity Units payable each period. The value of these Annuity Units represents the benefit amount paid each period.

For Fixed Annuity options, the number of Annuity Units equals the dollar amount of each payment since the Annuity Unit Value is fixed at $1.00.

For Variable Annuity options, the Annuity Unit Value varies with the investment rate each period. The Annuity Unit Value is the value of one Annuity Unit of an Investment Option.

The value of a Variable Annuity Unit is A multiplied by B multiplied by C (AxBxC).

A = the Annuity Unit Value for the Variable Investment Option at the immediately preceding computation date

B = 1 + the for the variable fund for the period

C = the applicable AIR Factor from the following table raised to the power of the number of days in the period

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| | |
|:---|:---|
| AIR | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AIR Factor |
| 3% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.999919 |
| 3<sup>1</sup>⁄<sub>2</sub>% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.999906 |
| 4<sup>1</sup>⁄<sub>2</sub>% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.999879 |
| 5% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.999866 |

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**4.13 Betterment of Rates** – Fixed and Variable Annuity – We will use the applicable current settlement option rates if these will provide higher fixed annuity payments to the Participant, less any applicable premium taxes.

**4.14 Actuarial Basis of Computation –** For all Annuity Income Options, the value We use to determine annuity payments will be the applied portion of the Accumulation Value on the tenth day (or the preceding

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business day if the tenth day is not a business day) preceding the date of the first annuity payment, less any applicable premium taxes. The actuarial basis for the life Annuity Income Options is the 2012 Individual Annuity Reserving (IAR) Table using the age nearest birthday of the Annuitant at the time of the first payment is due and if applicable, a designated second person if permitted under the Annuity Income Options in Section 4.08 and the Fixed Account Option minimum guaranteed interest rate in Section 3.01(b). The annuity rates pertaining to the Actuarial Basis of Computation for Annuity Income Options that are payable for the lifetime of the Annuitant will be furnished upon Your request.

For the Fifth Option, the following table demonstrates payments as described with an example of a 1% interest rate.

**DOLLAR AMOUNT REQUIRED TO PURCHASE AN ANNUITY** 

**WITH A FIRST MONTHLY PAYMENT OF $1.00** 

Option 5 – Payment for a Designated Period

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| | | | |
|:---|:---|:---|:---|
| Years of Payment | Years of Payment | Years of Payment | Years of Payment |
| &nbsp;&nbsp;&nbsp;5 | $58.51 | 18 | $197.68 |
| &nbsp;&nbsp;&nbsp;6 | $69.86 | 19 | $207.66 |
| &nbsp;&nbsp;&nbsp;7 | $81.11 | 20 | $217.54 |
| &nbsp;&nbsp;&nbsp;8 | $92.24 | 21 | $227.32 |
| &nbsp;&nbsp;&nbsp;9 | $103.26 | 22 | $237.00 |
| &nbsp;&nbsp;&nbsp;10 | $114.18 | 23 | $246.59 |
| &nbsp;&nbsp;&nbsp;11 | $124.98 | 24 | $256.09 |
| &nbsp;&nbsp;&nbsp;12 | $135.68 | 25 | $265.49 |
| &nbsp;&nbsp;&nbsp;13 | $146.27 | 26 | $274.79 |
| &nbsp;&nbsp;&nbsp;14 | $156.76 | 27 | $284.01 |
| &nbsp;&nbsp;&nbsp;15 | $167.14 | 28 | $293.13 |
| &nbsp;&nbsp;&nbsp;16 | $177.42 | 29 | $302.17 |
| &nbsp;&nbsp;&nbsp;17 | $187.60 | 30 | $311.11 |

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**4.15 Beneficiaries –** This Section 4.15 provides for terms relating to a Beneficiary in the event a death occurs during the Accumulation Period or during the Annuity Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(a)</u> <u>Definition of a Beneficiary</u>. A Beneficiary is the person or entity the Participant designates to receive
any benefits payable upon the Participant's death.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(b)</u> <u>Designation of a Beneficiary</u>. During the Participant's lifetime, he or she has the right to
designate a Beneficiary and to change the designation. The change may be made by sending a written request to Our Administrative Service Office. A change in Beneficiary will take effect on the date the request is signed; subject to any actions taken
by Us prior to the date We receive the written change of Beneficiary notice. The Owner's most recent Beneficiary change notice in writing received by Us will replace any prior Beneficiary designations. We are not liable for any payment(s) made
by Us before the receipt of such written change of Beneficiary notice.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(c)</u> <u>Payments to Beneficiary</u>. Unless otherwise provided in the Beneficiary designation or in 4.16(a) or (b):

1) If any Beneficiary dies prior to the Participant, that Beneficiary's interest will be divided pro rata among the remaining named Beneficiaries.

2) If no Beneficiary survives the Participant, death benefits will be paid to the Participant's estate.

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3) If any Beneficiary dies after the Participant, that Beneficiary's interest will pass to his or her Beneficiary or, if none, to his or her estate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(d)</u> <u>Simultaneous Death Provision</u>. If We cannot determine whether the Participant or a Beneficiary died first
in a common disaster, We will assume that the Beneficiary died first and make payments on that basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(e)</u> <u>Multiple Beneficiaries</u>. The Participant may designate two or more Beneficiaries to receive separate
percentage interests in the death benefits payable under this Contract. Each such Beneficiary may separately exercise the rights that a Beneficiary has under this Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(f)</u> <u>Contingent Beneficiaries</u>. The Participant may designate one or more Contingent Beneficiaries. A
Contingent Beneficiary will receive benefits payable upon the Participant's death if all of the primary Beneficiaries have died prior to the Participant. A Contingent Beneficiary will have all of the same rights as a Beneficiary during the
Accumulation Period or an Annuity Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(g)</u> <u>Trust or Estate as Beneficiary</u>. Payments to a Beneficiary that is a trust or estate will be made only in
a lump sum or in installments over a period not to exceed five years, to the extent required by applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(h)</u> <u>Unlocatable Beneficiaries.</u> If after exercise of reasonable diligence We are unable to obtain a mailing
address or other suitable contact information for a designated Beneficiary using methods allowed by and within the period required by applicable state or federal regulations, then, except as otherwise directed by the Contract Owner and in accordance
with the terms of the Plan, if any, or as otherwise required under applicable law, We will deem the Participant to have no designated Beneficiary, and We will pay the proceeds to the Participant's Estate.

**4.16 Death Payment Provisions** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(a)</u> <u>Death During Accumulation Period.</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Participant dies during the Accumulation Period, a death benefit is payable. The death benefit is the
greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. the Accumulation Value of the Participant's Account on the date We receive proof of death in good order,
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. 100% of Adjusted Purchase Payment Amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Adjusted Purchase Payment Amount means:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. On the issue date of a Participant's certificate, the Adjusted Purchase Payment Amount shall be the sum of
all Purchase Payments under the certificate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. On any date after the issue date of a Participant's certificate, the Adjusted Purchase Payment Amount
shall be increased by additional Purchase Payments made to the certificate and reduced proportionately by all prior Gross Withdrawals as provided in 4.16(a)(iii).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Each Gross Withdrawal (meaning, all withdrawals of any kind and associated fees and charges and any portion of
the Accumulation Value that has been applied to an Annuity Income Option) shall result in a proportionate reduction in the Adjusted Purchase Payment Amount, determined by multiplying the Adjusted Purchase Payment Amount, measured immediately prior
to the Gross Withdrawal, by a fraction. Such fraction shall be equal to the Gross Withdrawal divided by the Accumulation Value immediately prior to the Gross Withdrawal.

In the event no Beneficiary or Contingent Beneficiary has been named, or if none of the Beneficiaries survive the Participant, then benefits will be paid as set forth in this Section 4.16(a) consistent with applicable contract or law including the Code and ERISA, and if no such requirements dictate who benefits will be paid to, then to the Participant's estate. The death

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benefit is payable at any time the Participant's Beneficiary selects and in any form the Participant could have selected under the Contract. If any Beneficiary or Contingent Beneficiary does not select a form of payment of the death benefit, then the death benefit will be paid as set forth in this Section 4.16(a) consistent with applicable law including the Code and ERISA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(b) Death During Annuity Period.</u> If the Participant dies during the Annuity Period, the amount of the death benefit, if any, will be based on the terms of the Annuity Income Option. Unless the Participant elected the Fourth Option, the Beneficiary may elect to receive the death benefit in one of the following forms:

1) Continuing annuity payments under the terms of the Participant's Annuity Income Option with the right, for Variable Annuities only, to receive the remaining payments in a lump sum at any time thereafter;

2) A lump sum; or

3) Annuity payments under another Annuity Income Option, based on the available lump sum and subject to the applicable limitations of the Code and ERISA.

The lump sum available under these alternatives is the present value of remaining payments, discounted at the Assumed Investment Rate, and based on the current Annuity Unit Value for 2) and 3), or the value next determined after receipt of the request at USL's Administrative Service Office for 1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(c) Investment Options and Other Rights.</u> Until the death benefits have been fully paid, the Participant's Beneficiary will be entitled to exercise all the Investment Options and other rights the Participant can exercise under this Contract. Unpaid death benefits that have not been applied under an Annuity Income Option will have an Accumulation Value determined in the same manner as the Participant's Accumulation Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>(d) Proof of Death.</u> Proof of death may be made by sending USL a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to death, a written statement by an attending physician, or any other proof satisfactory to USL.

**Section 5 – CODE REQUIREMENTS AND RETIREMENT PLAN PROVISIONS** 

**5.01 General –** If the Participant's Purchase Payments are made under a voluntary salary reduction agreement as part of a tax-deferred annuity arrangement under Section 403(b) of the Code, there may not be a separate Plan document, in which case the Contract is the Plan.

**5.02 Direct Rollovers** – If any benefit payable under this Contract constitutes an "eligible rollover distribution" within the meaning of Section 402 of the Code, the Participant has the right to elect to have such distribution paid directly to an "eligible retirement plan" in a transaction designated under the Code as a "direct rollover." Before any eligible rollover distribution is made to the Participant, we will provide the Participant with a written explanation of the Participant's right to make a direct rollover and the tax consequences of making or not making a direct rollover. No surrender, withdrawal, or other benefit distribution that constitutes an eligible rollover distribution will be made to the Participant under this Contract, unless the Code's requirements applicable to eligible rollover distributions have been satisfied. Except for eligible rollover distributions, We reserve the right to make payments only to the Participant or the Participant's Beneficiary.

**5.03 Plan Provisions** –The Contract Owner may impose limits and/or requirements on the Participant consistent with the terms of the Plan, however such Plan provisions do not become part of this Contract.

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No such Plan provision shall limit a Participant's rights under this Contract, unless the Contract Owner has provided USL with written notification of such provision. In no event shall any such Plan provision enlarge USL's obligations under this Contract.

**Section 6 – GENERAL PROVISIONS** 

**6.01 Participant Certificates** – We will issue certificates to each Participant. Each certificate will set forth the benefits to which the Participant is entitled under the Contract.

**6.02 Vesting** – Except as may be provided in the Plan, the Code and ERISA, the Participant's rights under this Contract are fully vested and nonforfeitable. USL Separate Account RS holds all assets for Variable Investment Options for the exclusive benefit of Participants, Beneficiaries, and other holders of annuity contracts.

**6.03 Written Notices to Us** – Except as specifically provided otherwise, any notice of change, election, choice, option or other exercise of right given under the Contract must be in a written request or notice in acceptable form and content to Us which is signed and dated by a Participant. Such notice will be deemed effective as of the date of the written request for the change and must be received at Our Administrative Service Center. The change will be subject to action taken by Us before the request is received.

**6.04 Change of Contract** – We may change this Contract to the extent it is required or deemed advisable to do so in order to conform the Contract to applicable law. In addition, upon at least 30 days' written notice from the Contract Owner, We may make other changes to this Contract which will apply only to individuals who become Participants after the effective date of such change. All changes We make will be subject to any applicable regulatory requirements.

**6.05 Future Participants** – We may at our discretion curtail or prohibit new Participants under this Contract upon written notice to the Contract Owner.

**6.06 Reports** – We will send the Participant a Separate Account financial report twice each year if the Participant has values in any Variable Investment Option. We will send to the Participant, at least annually, a statement showing the dollar value of all investment options, investment performance since the prior statement, and as applicable, the number and value of any Variable Accumulation Units credited to the Participant's Account. All statements will be mailed within two months of the date of the information.

**6.07 Voting Rights** – We will hold the voting rights on all shares held in the Separate Account. To the extent of this Contract's participation in the Separate Account through one or more Variable Investment Options, We will vote those shares as instructed. Except as otherwise directed by the Contract Owner and pursuant to the Plan, the Participant, or the Beneficiary, if the Participant has died, will have the voting instruction rights prior to the Annuity Date. The annuity payee will have the voting instruction rights on and after the Annuity Date.

**6.08 Suspension of Payments** – USL reserves the right to suspend or postpone payments or withdrawals under the Separate Account for any period when: (a) the New York Stock Exchange is closed (other than customary weekend and holiday closings); (b) when trading on the New York Stock Exchange is restricted; (c) when an emergency prevents disposal of or determination of the value of shares of the Variable Account Options is not reasonably practicable; or (d) during any other period when the SEC, by order, so permits for the protection of security holders. The Company will notify the New York State Department of Financial Services of any suspension under this section 6.08.

**6.09 Deferral of Cash Surrender or Withdrawal** – USL may defer payment of any surrender of amounts accumulated in Fixed Account Options if permitted by applicable law. Deferral shall not exceed six months from the receipt of written notice at the Administrative Service Office in good order. Interest shall be

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paid if payment is deferred for ten days or more after the date on which the surrender notice was received by USL on fully and accurately completed forms and/or instructions, including any necessary documentation We may require, applicable to any given request from a Participant received at Our Administrative Service Center. Interest will be credited at the rate then currently being credited in the applicable Fixed Account Options.

**6.10 Proof of Survival** – We reserve the right to require reasonable proof that the Participant and any payee is alive on the date any benefit payment is due. If this proof is not received after requested in writing, We will have the right to make reduced payments or to withhold payments entirely until such reasonable proof is received. Such proof will only be required no more frequently than annually or if We have reasonable suspicion a Participant or a payee is deceased.

**6.11 Substitution of Investment Fund Shares** – If shares of a particular Investment Fund are not available or if, in the judgment of USL, such shares are no longer appropriate for a Variable Investment Option, shares of another Investment Fund may be substituted for the Investment Fund shares already held under the Variable Investment Options and for those to be purchased by future Purchase Payments or transfers under this Contract. In the event any substitution occurs, USL will notify the Contract Owner in advance of the substitution.

**6.12 Minimum Benefit** – The paid up annuity, cash surrender or death payment available under this Contract will not be less than the minimum benefits required by any statute of the state in which the Contract is delivered.

**6.13 Separate Account** – Amounts allocated by Us to a Separate Account shall be owned by Us. The Separate Account assets shall be Our property. All of the assets of the Separate Account are not chargeable with liabilities arising out of any other business of USL, provided that the portion of assets of the Separate Account not chargeable with liabilities arising out of any other business of USL shall not exceed the following: (a) the assets purchased with considerations allocated to the Separate Account by the Contract Owner or Participant certificate holder; minus (b) any benefits paid from such assets; minus (c) any charges taken from such assets under the terms of the Contract or a Participant certificate; minus (d) any Contract Owner or Participant certificate holder initiated transfers of such assets out of the Separate Account; plus (e) the net investment returns earned on the net amount of such assets.

**6.14 Merger or Closure of One or More Investment Funds** – The following provisions will apply in the event of closure of or changes to the Short Term Fixed Account and the Fixed Account Plus or to one or more of the Investment Funds underlying the Variable Investment Options in the Separate Account described in Section 3.02:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) If the Short Term Fixed Account and/or the Fixed Account Plus, or an Investment Fund, is closed to new Purchase
Payments and/or new transfers, and absent alternate directions from You, amounts that otherwise would have been deposited into the closed Fixed Account Option(s) will be invested in a money market fund Variable Investment Option, if available, or
otherwise, in the Short Term Fixed Account, and with respect to a closed Variable Investment Option(s), amounts that otherwise would have been deposited into the closed Variable Investment Option will be invested in such other Investment Option(s),
as consistent with applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If a change is made to one or more of the underlying Investment Funds, through a merger or other fund action,
upon official notification of such fund action(s) the Company will make reasonable efforts to provide advance notice to the Plan of any relevant changes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) If an Investment Fund then available in the Plan ("Merged Fund") is to be merged with and into an
Investment Fund that is not available in the Plan ("Surviving Fund"): (i) the Plan may direct assets in the Investment Option invested in the Merged Fund, and any future contributions that would be allocated to such Variable Investment
Option, to another Variable Investment Option available in the Contract; or (ii) if prior to the effective date of a

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fund merger, a Plan has not provided to the Company any directions under section 6.14(b) or Section 6.14(c)(i), then: (x), the Contract shall default to inclusion of the Variable Investment Option invested in the Surviving Fund, (y) Plan assets in the Variable Investment Option invested in the Merged Fund shall be allocated to the Variable Investment Option invested in the Surviving Fund upon the effective date(s) of the fund merger, and (z) contribution instructions directing allocations to the Variable Investment Option invested in the Merged Fund at the effective date of the merger shall be redirected to the Variable Investment Option invested in the Surviving Fund following the effective date(s) of the fund merger, until or unless alternate direction is provided by or on behalf of the Plan.

**6.15 Termination of the Contract by USL** – USL may suspend this Contract by giving written notice as otherwise provided in this Contract or if it is determined that Purchase Payments do not comply with the requirements of the Code or ERISA. Upon depletion of all the assets under the Contract, the Contract will terminate, and USL will be relieved of all further liability, except with respect to any Annuities purchased on behalf of Participants.

**6.16 Forfeiture** – If the Plan under which this Contract is held includes an account reflecting amounts previously forfeited by Participants pursuant to the Plan's vesting schedule, or other amounts which, consistent with the terms of the Plan, will not be allocated to Participant Accounts (including amounts which may be allocated to such Participant Accounts at a later date), then except as otherwise directed by the Employer or other authorized Plan representative and agreed by the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Such amounts shall be maintained in a separate unallocated fixed investment option under the Contract's
fixed investment option with the shortest holding period requirement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Interest or crediting rates determined with respect to such separate option shall be guaranteed for not less
than one calendar year at a rate that is not less than the minimum rate otherwise guaranteed for the life of the Contract; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Notwithstanding any provision of the Contract to the contrary, no restrictions, limitations or charges shall
apply to the allocation of such amounts to Participant Accounts.

**6.17 Distributed Contract** – The Contract Owner may direct the distribution of a fully paid-up Certificate from the Contract Owner's Plan, in which case all rights otherwise reserved in the Certificate to the Contract Owner, the Plan, or an agent of either the Contract Owner or the Plan (other than the limited authority to hold a group annuity contract, if applicable, without exercising rights thereunder) are hereby terminated, and such rights are reserved solely to the Participant.

**6.18 Applicable Law** - This Contract has been delivered to You or a designated representative in the State of New York. This Contract will be construed in accordance with and governed by applicable law of the State of New York.

**6.19 Non-Participating Contract** – This Contract is non-participating and does not share in the profits or surplus of USL.

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**CUSTOMER SERVICE INFORMATION** 

If you have any questions regarding this Contract, please call us at

[1-800-448-2542] or write:

The United States Life Insurance Company in the City of New York

[Retirement Services Center, P.O. Box 15648, Amarillo, Texas 79105]

<sup>©</sup> The United States Life Insurance Company in the City of New York. All rights reserved.

## Ex-99.(E)

![LOGO](g934124dsp424.jpg)

The United States Life Insurance Company in the City of New York (USL) [Portfolio Director®] New York Group Deferred Variable Annuity with Fixed Account Options Group Master Application 1. APPLICANT INFORMATION ☐ Employer OR ☐ Other: Name: Tax ID: Address: City: State: ZIP: Plan Administrator Address (if different from above): City: State: ZIP : Phone #: () 2. OWNERSHIP/CONTROL For Deferred Compensation: For other Lines of Business (choose one): [☐ Employer ☐ Trustee ☐ Other: ] 3. TYPE OF PLAN (Choose one) [☐ 403(b) Voluntary Deferred Annuity ☐ 401(a) or 403(a) Employer Retirement Plan ☐ 403(b) State Optional Retirement Plan ☐ 401(a) or 403(a) Self-Employed Retirement Plan ☐ 403(b) Employer Retirement Plan ☐ 401(k) Cash or Deferred Arrangement ☐ Deferred Compensation Plan (choose one): ☐ Private Non-Profit ☐ Other Deferred Compensation Plan: ] If selecting a 403(b) or 401(k) plan, choose Employee Contribution sources: ☐ Pre-Tax ☐ Both Pre-Tax and Roth After-Tax ☐ Other Plan Type: Name of Plan: 4. TYPE OF ORGANIZATION (Choose one) [☐ PS – Public Educational Institution ☐ NP – Non-Profit Organization (choose one, required): ☐ PFP – Private For-Profit Organization ☐ 501(c)(3) – Attach IRS determination letter ☐ Other ☐ SLGOV – State or Local Government ☐ SELF – Self-Employed] Nature of Business: 5. APPLICANT STATEMENTS AND AGREEMENTS A current USL contract prospectus with the Privacy Notice was provided with this application. I acknowledge receipt, either physically or electronically, of the current prospectus with Privacy Notice, which includes the applicable investment options, for this deferred variable annuity and have read it carefully. The contract prospectus provides sales expenses and other data. It is understood that annuity payments (and termination values, if any) provided by the contract applied for are variable and not guaranteed as to dollar amount when based on the investment experience of USL's Separate Account. It is understood and agreed that the investment options under the contract will be limited to those options selected except as otherwise modified by agreement between USL and the Applicant, and will be subject to any other limitations described in the contract. Does the group have any existing life insurance policies, annuity or group contracts☐ ☐ Yes ☐ No Will this group contract replace, discontinue or change any group contract issued by this or any other company☐ ☐ Yes ☐ No I hereby acknowledge that I have read and understand this application form and the Information section. Applicant Signed at Signature: City, State: Applicant Employer Title: Client #: Date: VL40316-NY v0525 Original – USL, Copy – Applicant 1.0 page 1

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![LOGO](g934124dsp425.jpg)

6. FINANCIAL PROFESSIONAL OF RECORD Do you believe the group has any existing life insurance policies, annuity or group contracts☐ ☐ Yes ☐ No Do you have any reason to believe the annuity applied for will replace or change any existing group contract☐ ☐ Yes ☐ No As Agent, have you complied with all State Replacement Regulations and completed all required State Replacement Forms, if applicable☐ ☐ Yes ☐ N/A By signing this form, I represent that I have truly and accurately recorded herein the information provided by the applicant. Agent/Representative State License #: Licensed Agent/Registered Representative (Print Name) Licensed Agent/Registered Representative Signature Date Principal's Signature Date Information CONTRIBUTION PROCESSING STANDARDS In order to facilitate efficient processing of contributions, processing instructions should be provided before or concurrent with the employer contribution remittance. The instructions and remittance should be in balance. We require that contribution processing instructions be provided in one of several approved electronic formats. RECEIPT OF CONTRIBUTIONS PRIOR TO RECEIVING A PARTICIPANT APPLICATION We make every attempt to get complete information for all participants that direct contributions to us. If we receive contributions for a participant before we receive the participant's application or enrollment form, we will establish an account if you, as the plan sponsor, confirm that the remittance is valid and agree to provide minimum information (participant's full name, SSN, date of birth, current address, and marital status) as needed. The contributions will remain in the plan and will be invested in [Goldman Sachs VIT Government Money Market Fund] or as directed by the employer, pending alternative instructions from the participant. Please send completed forms to: Overnight Delivery: [Retirement Services Center [Retirement Services Center P.O. Box 15648 1050 N. Western St. Amarillo, TX 79105-5648] Amarillo, TX 79106-7011] For more complete information about any of the investment options listed on the following page, including fees, charges and expenses, visit [corebridgefinancial.com/retire] or call [1-800-448-2542] for assistance or to request a prospectus in addition to the prospectus which you have already received.

## Ex-99.(H)(1)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 9th day of April, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); Allspring Funds Management, LLC, a corporation organized under the laws of the State of Delaware and investment adviser (the "Adviser") to open-end investment companies (the "Allspring Funds"); and Allspring Funds Distributor, LLC, a corporation organized under the laws of State of Delaware and principal underwriter/distributor of the Allspring Funds (the "Distributor").

WHEREAS, the Allspring Funds engage in business as open-end management investment companies; and

WHEREAS, beneficial interests in the Allspring Funds are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios of the Allspring Funds named in Schedule B, as such schedule may be amended from time to time (each a "Designated Portfolio," together, the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Distributor agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Designated Portfolio or its designee of the order for the shares of the Designated Portfolio. For purposes of this Section 1.1, the Company will be the designee of the Designated Portfolio for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Designated Portfolio; provided that the Designated Portfolio receives notice of such order by 9:30 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Designated Portfolio calculate their net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC").

1.2 The Distributor agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Designated Portfolios held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt

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and acceptance by the Designated Portfolio or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee of the Designated Portfolio for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Designated Portfolios; provided the Designated Portfolio receives notice of such requests for redemption by 9:30 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Designated Portfolio reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Designated Portfolio in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Designated Portfolios or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Designated Portfolio or their respective designees will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Designated Portfolios, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Designated Portfolios will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption

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orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to the Designated Portfolio or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Designated Portfolio of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Designated Portfolio. In the event of net redemptions, the Designated Portfolio shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Designated Portfolio and shall become the responsibility of the Company.

1.4 The Distributor agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Designated Portfolio calculates its net asset value pursuant to rules of the Commission and the Designated Portfolio shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Trustees of the Designated Portfolio (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.5 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus to the extent not inconsistent with the terms and conditions of this Agreement.

1.6 Issuance and transfer of the Designated Portfolios' shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Designated Portfolios' shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.7 The Designated Portfolio will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Designated Portfolio shares in the form of additional shares of that Designated Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Designated Portfolio will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.8 The Designated Portfolio will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. In the event that the Designated Portfolio is unable to meet the 6:00 p.m. time stated herein, it shall provide additional time for the Company to place orders for the purchase and redemption of Designated Portfolio shares and wire net payments for the purchase of Designated Portfolio shares. If the Designated Portfolio provides the Company materially incorrect net asset value per share information (as determined under SEC guidelines), the Designated

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Portfolio shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share, and the Adviser shall bear the cost of correcting such errors and shall reimburse the Company for reasonable expenses incurred related to correction of the net asset value (including correcting Contract owner accounts). Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Fund.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.3 The Adviser represents and warrants that shares of the Designated Portfolios sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that each Designated Portfolio is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. Each Designated Portfolio will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Adviser will register and qualify the shares of the Designated Portfolios for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Designated Portfolio.

2.4 The Designated Portfolio currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Designated Portfolio finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Designated Portfolio undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.5 The Adviser represents and warrants that the Designated Portfolio is lawfully organized and validly existing under the laws of the State of Delaware and that the Designated Portfolio does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Adviser represents and warrants that the Designated Portfolio's operations does and will comply with applicable federal and state law.

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2.6 The Adviser represents and warrants that all of the Fund's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Designated Portfolios are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Designated Portfolios in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.7 The Designated Portfolios are, and shall carry out activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Adviser further represents that the Designated Portfolios have policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.8 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Designated Portfolios in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

2.9 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Designated Portfolios and that it will perform its obligations for the Designated Portfolios in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Adviser represents and warrants that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that such qualification (under Subchapter M or any successor or similar provision) will be maintained, and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Adviser represents and warrants that each Designated Portfolio is and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Designated Portfolio will timely provide the Company with as many copies of the current prospectus and any supplements thereto as the Company may reasonably request for distribution, at the Designated Portfolio's expense, to Contract owners at the time of Contract fulfillment and confirmation.

4.2 The Designated Portfolio will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Designated Portfolio provides the Company with statutory prospectuses. The Adviser represents and warrants that the summary

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prospectuses and any supplements provided thereto relating to the Designated Portfolio will comply with the requirements of Rule 498.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Designated Portfolio, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 The Designated Portfolio may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Designated Portfolio agrees that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Designated Portfolio with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 The Designated Portfolio shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Designated Portfolio shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Designated Portfolio shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Designated Portfolio shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Designated Portfolio, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Designated Portfolio.

4.9 Alternatively, if requested by the Company in lieu thereof, the Designated Portfolio or its designee shall

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provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Designated Portfolio.

4.10 The Designated Portfolio shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Designated Portfolio shall provide the Fund Documents specified in Sections [4.10(a), (b), and (c)] above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Designated Portfolio's securities and the Contracts. The Designated Portfolio shall provide the Shareholder Reports specified in Section [4.10(d)] above within 60 days after the close of each of the Designated Portfolio's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Designated Portfolio shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Designated Portfolio fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Designated Portfolio shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Designated Portfolio shall be responsible for the content and substance of the Fund Documents as

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provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Designated Portfolio shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Designated Portfolio shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Designated Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Designated Portfolio or its designee shall
provide such electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for
distribution; the reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Designated Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Designated Portfolio shall reimburse the Company for the reasonable costs of printing and mailing the Fund
Documents to Contract owners.

4.17 The Designated Portfolio shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Designated Portfolio shall provide the following Designated Portfolio expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Designated Portfolio; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Designated Portfolio, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to

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shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Designated Portfolio for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from
Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions have been
received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Designated Portfolio shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Designated Portfolio calculates voting privileges in a manner consistent with all legal requirements.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Designated Portfolio or the Adviser, each piece of sales literature or other promotional material in which the Designated Portfolio or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Designated Portfolio or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2 The Company will not give any information or make any representations or statements on behalf of the Designated Portfolio or concerning the Designated Portfolio in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Designated Portfolio shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Designated Portfolio, or in published reports for the Designated Portfolio which are in the public domain or approved by the Designated Portfolio or the Adviser or their designees for distribution, or in sales literature or other material provided by the Designated Portfolio or by the Adviser, except with permission of the Designated Portfolio or the Adviser or their designees. The Designated Portfolio and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the

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Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 When requested by the Adviser, the Company will provide at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Designated Portfolio will be provided.) In addition, when requested by the Adviser, the Company will provide at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Designated Portfolio; and (ii) any post-effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Designated Portfolio.

5.6 The Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Designated Portfolio's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Adviser will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.7 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.8 The Adviser and the Distributor hereby consent to the Company's use of the names of the Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the names Allspring Funds Management, LLC, Allspring Funds Distributors, LLC, Allspring Global Investments, and Allspring, and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Adviser and the Distributor hereby consent to the use of any trademark, trade name, service mark or logo used by the Adviser and the Distributor, subject to the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Adviser or the Distributor provided to the Company separately. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Designated Portfolios; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and

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acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Designated Portfolio, Adviser and/or the Distributor.

5.9 The Designated Portfolio, the Adviser, the Distributor and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Designated Portfolio, the Adviser or the Distributor, respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Designated Portfolio will pay no fee or other compensation to the Company under this Agreement, except as provided below: (a) if any Designated Portfolio adopts and implements a plan pursuant to Rule 12b-1 under the 1940 Act to finance distribution and shareholder servicing expenses, then, subject to obtaining any required exemptive orders or other regulatory approvals, the Designated Portfolio may make payments to the Company or to the underwriter for the Contracts if and in such amounts agreed to by the Designated Portfolio in writing; (b) the Adviser or Distributor may pay fees to the Company for administrative services provided to Contract owners that are not primarily intended to result in the sale of shares of the Designated Portfolio or of underlying Contracts as separately agreed to in writing.

6.2 All expenses incident to performance by the Adviser and Distributor of this Agreement will be paid by the Adviser and Distributor to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Designated Portfolio, in accordance with applicable state law, prior to sale. The Designated Portfolio will bear the expenses for the cost of registration and qualification of the Designated Portfolio's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Designated Portfolio; preparation and filing of the Designated Portfolio's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Designated Portfolio's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Designated Portfolio prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Designated Portfolio's shares; any expenses permitted to be paid or assumed by the Designated Portfolio pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term

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"Fund" shall also include the Designated Portfolio's designee (i.e., principal underwriter or transfer agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Designated Portfolio for the purpose of
eliminating or reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Designated Portfolio the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information") upon request by the Adviser or the Distributor. It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the

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Designated Portfolio may, from time to time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

Unless otherwise specifically requested by the Designated Portfolio, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than [180 days] prior to the day Company received the Request. The Designated Portfolio may request Transaction Information older than [180 days] from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Designated Portfolio; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Designated Portfolio promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Adviser or Distributor in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Adviser or Distributor, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Designated Portfolio whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Adviser and Distributor agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Adviser or Distributor to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Adviser or Distributor as having engaged in transactions of the Designated Portfolio's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Designated Portfolio; and (iv) are received by Company. Upon request of the Company, the Adviser and

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Distributor agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Designated Portfolio pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Adviser, the Distributor, and each person, if any, who controls the Designated Portfolio, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Designated Portfolio shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Designated Portfolio, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Designated Portfolio shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Designated Portfolio registration statement, prospectus, SAI or sales literature or other promotional material of the Designated Portfolio, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Designated Portfolio shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Designated Portfolio registration statement, prospectus, SAI or sales literature or other promotional material of the Designated Portfolio (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such

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statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Designated Portfolio by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Designated Portfolio shares or the Contracts or the operation of the Designated Portfolio.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor jointly and severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Designated Portfolio shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Designated Portfolio or sales literature or other promotional material of the Designated Portfolio (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Designated Portfolio by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Designated Portfolio or in sales literature of the Designated Portfolio (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Designated Portfolio shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Designated Portfolio registration

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statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Designated Portfolio or persons under the control of the Adviser, Distributor or the Designated Portfolio respectively) or wrongful conduct of the Adviser, Distributor or the Designated Portfolio or persons under the control of the Adviser, Distributor or the Designated Portfolio respectively, with respect to the sale or distribution of the Contracts or Designated Portfolio shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser, Distributor or the Designated Portfolio or persons under the control of the Adviser, Distributor or the Designated Portfolio; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser, Distributor, or Designated Portfolio to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser, Distributor or the Fund in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser, Distributor or the Designated Portfolio;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser and the Designated Portfolio of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The

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Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the

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Contracts issued or to be issued by Company; or

(d) at the option of the Adviser or Distributor, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Adviser or Distributor determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Designated Portfolio, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Designated Portfolio's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(g) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(h) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Designated Portfolio, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Designated Portfolio, Adviser or Distributor and hence to the Company; or

(i) at the option of the Distributor or the Adviser, if the Distributor or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Distributor or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Designated Portfolio pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios

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upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Adviser:

Allspring Funds Management, LLC

417 E. Chicago Street

Milwaukee, WI 53202

Email: AllspringContracts@allspringglobal.com

If to the Distributor:

Allspring Funds Distributor, LLC

417 E. Chicago Street

Milwaukee, WI 53202

Email: AllspringContracts@allspringglobal.com

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Designated Portfolio must look solely to the property of the Designated Portfolio for the enforcement of any claims against the Designated Portfolio as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Designated Portfolio.

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12.2 The Distributor and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Distributor and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Distributor or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Distributor or the Adviser, the Distributor and the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law or judicial process. The Distributor and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts,

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the Accounts or the Designated Portfolios or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

---

| | |
|:---|:---|
| ALLSPRING FUNDS MANAGEMENT, LLC | ALLSPRING FUNDS MANAGEMENT, LLC |
| By: | <u>/s/ Annette Lege</u> |
| Name: Annette Lege | Name: Annette Lege |
| Title: CFO | Title: CFO |
| ALLSPRING FUNDS DISTRIBUTOR, LLC | ALLSPRING FUNDS DISTRIBUTOR, LLC |
| By: | <u>/s/ John Moninger</u> |
| Name: John Moninger | Name: John Moninger |
| Title: President | Title: President |

---

THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

---

| | |
|:---|:---|
| By: | <u>/s/ Barbara Rayll</u> |
| Name: Barbara Rayll | Name: Barbara Rayll |
| Title: Vice President, Business Case Development | Title: Vice President, Business Case Development |

---

------

Exhibit A

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

---

| |
|:---|
|  Contract Number\* |
|  And |
|  Tax Identification Number\*\*: |
|  Fund Name: |
|  Portfolio Name: |
|  Portfolio Manager: |
|  Covered Period\*\*\*: |

---

---

| |
|:---|
|  Requesting Person\*\*\*\*: |
|  Signature: |
|  Date: |
|  Telephone Number: |
|  Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

------

**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

Please provide the following information about the Contract to be restricted:

---

| |
|:---|
| Contract Number\* |
| And |
| Tax Identification Number\*\*: |

---

Please provide the following information about the Portfolio to be restricted:

---

| |
|:---|
|  Fund Name: |
|  Portfolio Name: |
|  Portfolio Manager: |

---

Please provide the following information about the time period for which trading should be restricted:

---

| |
|:---|
|  Start Date\*\*\*: |
|  End Date: |

---

---

| |
|:---|
|  Requesting Person\*\*\*\*: |
|  Signature: |
|  Date: |
|  Telephone Number: |
|  Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com,</u>** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

------

PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

------

PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

Allspring Funds Trust

Allspring Core Plus Bond Fund, Class R6

## Ex-99.(H)(1)(Ii)

**ADMINISTRATIVE AND SHAREHOLDER SERVICES AGREEMENT** 

Allspring Funds Management, LLC ("Allspring Funds Management") and Allspring Funds Distributor, LLC ("Allspring Funds Distributor") serve as the investment adviser and the principal underwriter for the Allspring Funds (the "Funds"), respectively. Allspring Funds Management, LLC and Allspring Funds Distributor, LLC shall together be referred to as "Allspring". Allspring and The United State Life Insurance Company in the City of New York ("Company"), on behalf of itself and each separate account of the Company named in Schedule C to this Agreement, hereby agree that Company will provide shareholder services and may provide sub-accounting, record-keeping, and other administrative services with respect to Company's clients ("Clients") that own shares ("Shares") of the Funds, listed in Schedule D of this Agreement, subject to the terms of this Administrative and Shareholder Services Agreement ("Agreement"), which shall be dated and effective as of April 9, 2025.

**SECTION 1. TERMS AND CONDITIONS APPLICABLE TO THE SERVICING OF THE FUNDS** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Orders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Company agrees to make available Shares of the Funds (including classes thereof) only at the public offering price described in the then-current Prospectus and Statement of Additional Information (including any supplements, stickers or amendments thereto) relating to the applicable Fund (or, as appropriate, class thereof), as filed with the U.S. Securities and Exchange Commission ("SEC") (collectively, the "Prospectus"). All orders shall be effected in accordance with the Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Company agrees that it is acting as principal for Company's own account or as agent on behalf of Company's Clients in all transactions in Shares, and not as agent, representative, or partner of Allspring or any of the Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) In the case of any redemption of Shares, Allspring or the applicable Fund shall pay to Company, and Company will pay as redemption proceeds to Clients the net asset value, minus any applicable redemption fee or contingent deferred sales charge ("CDSC"), determined after receipt of the order as discussed in the Prospectus. Company agrees not to repurchase any Shares from its Clients at a price other than that next determined by a Fund for redemption (*i.e.*, at the net asset value of such Shares, less any applicable redemption fee or contingent deferred sales charge), in accordance with the Fund's Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) If payment for Shares purchased by Company for a Client is not received by Allspring Funds Distributor within the time customary or the time required by law for such payment, Company shall forfeit its right to any compensation with respect to such order, and Allspring Funds Distributor reserves the right, without notice, to cancel the purchase order, or, at its option to present the Shares purchased back to the Fund for redemption, in which case Allspring Funds Distributor may hold Company responsible for any loss, including loss of profit, suffered by Allspring Funds Distributor or the Fund resulting from Company's failure to make payment. All orders are subject to acceptance by Allspring Funds Distributor in its sole discretion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Company may place orders through the National Securities Clearing Corporation ("NSCC") in accordance with Schedule A provided, however, that Company is a member of NSCC and agrees to be governed by applicable NSCC rules and procedures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Duties of Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Company shall not provide distribution services primarily intended to result in the sale of Shares, unless Company is a broker-dealer registered with the Financial Industry Regulatory Authority ("FINRA"), a "bank" as defined in the Securities Exchange Act of 1934 or otherwise exempt from registration as a broker-dealer.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Company agrees to maintain records of all purchases and sales of Shares made through Company to the extent required by applicable law, rule or regulation and to furnish Allspring with copies of such records upon request. Additionally, Company agrees to provide Allspring and the Funds with any shareholder information requested pursuant to Schedule B.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Company agrees to date and time stamp all orders for the purchase or sale of Shares received by Company, and to promptly forward such orders to Allspring in time for processing at the public offering price next determined after receipt of such orders by Company, in each case as described in the applicable Prospectus. Company represents that it has procedures in place reasonably designed to ensure that orders received by Company are handled in a manner consistent with Rule 22c-1 under the Investment Company Act of 1940, as amended, and any SEC staff positions or interpretations issued thereunder. Company agrees to furnish proof of such date and time stamped orders to Allspring when reasonably requested.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) Company agrees that it shall assume responsibility for any loss to the Fund caused by a correction to any order placed by Company or any ineligible "as of" trades that are made subsequent to the trade date for the order, to the extent the need for such order correction or as of trades were not caused by Allspring and its affiliates. Company further agrees that it will immediately pay such loss to the Fund upon notification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Company agrees that all expenses incurred by it in connection with its performance under this Agreement will be borne by Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) Company agrees to inform its Clients of applicable sales charge discount opportunities and to inquire about other qualifying holdings that might entitle its Clients to receive such discounts. Allspring and the Funds have no obligation whatsoever to ensure that Company is appropriately seeking or applying such discounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) Company will, upon request, provide Allspring with information about each Client that beneficially owns more than five percent of a Fund's then-outstanding Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Company Compensation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Company compensation, if any, on sales of Shares will be as provided in the Prospectus. Company agrees that each Fund may, without prior notice, suspend or eliminate the payment of any compensation, by amendment, sticker or supplement to the then-current Prospectus for such Fund. Allspring shall have no obligation to pay any compensation to Company for the sale of Shares of a Fund until Allspring receives the related compensation from the Fund, and Allspring's liability to Company for such payments is limited solely to the related compensation that Allspring receives from such Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Company may be entitled to receive ongoing shareholder servicing fees to the extent provided in the applicable Prospectus. To the extent Allspring waives any payments payable to Allspring under a shareholder servicing plan, the amounts payable to Company will be reduced accordingly. Company acknowledges that service fees may be discontinued or reduced at any time by Allspring and/or the Funds. In determining the amount payable to Company hereunder, Allspring reserves the right to exclude any assets which it determines are attributable to sales not made in accordance with the terms of the Prospectus and provisions of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Allspring reserves the right not to pay any compensation more than six (6) months in arrears in respect of purchases, accounts and/or assets that were not timely identified as eligible for compensation pursuant to this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) Compensation shall be payable monthly, provided that Company shall not be entitled to compensation in any month that the total consideration payable to Company under this Agreement does not exceed $100.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Pricing Errors

------

Adjustments and/or payments shall be made to each account consistent with the Funds' net asset value error correction policies in the event of any error in the determination of the price of Shares. Allspring shall not, nor shall any Fund, be responsible for payment of any costs of reprocessing account holdings or values or costs of reprocessing individual Client transactions arising out of a pricing error.

**SECTION 2. COMPANY REPRESENTATIONS AND WARRANTIES** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the representations and warranties found elsewhere in this Agreement, Company represents and warrants that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) It is empowered under applicable laws and by Company's organizational documents to enter into this Agreement and perform all activities and services of Company provided for herein and that there are no impediments, prior or existing, regulatory, self-regulatory, administrative, civil or criminal matters affecting Company's ability to perform under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) It has, and will maintain during the term of this Agreement, appropriate blanket bond insurance policies covering any and all acts of Company's partners, directors, officers, employees, and agents adequate to reasonably protect and indemnify Allspring, the Funds and their respective employees, officers and directors against any loss which they may suffer or incur, directly or indirectly, as a result of any act or omission by Company or Company's partners, directors, officers, employees and agents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) It will be bound by and comply with all applicable federal and state laws and all rules and regulations promulgated thereunder generally affecting the sale or distribution of mutual fund shares or classes of such shares and will adopt, implement and maintain during the term of this Agreement such policies, procedures and internal controls as are necessary to ensure compliance therewith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) It will comply with the applicable terms of the then-current Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Neither it nor any of its partners, directors, officers, employees, and agents is authorized to give any information or make any representations concerning Shares of any Fund except those contained in the Fund's Prospectus or in materials provided by Allspring.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) It will only use sales literature, sales bulletins and advertising relating to the Funds that are supplied by Allspring, or are approved in writing by Allspring in advance of their use. Such approval may be withdrawn by Allspring in whole or in part upon notice to Company, and Company shall, upon receipt of such notice, immediately discontinue the use of such sales literature, sales bulletins and advertising. Company is not authorized to modify or translate any such materials without Allspring's prior written consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) It is a "financial institution" as defined in 31 U.S.C. 5312(a)(2) or (c)(1) and is regulated by a "Federal functional regulator" as defined in 31 CFR §103.120(a)(2).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If any of the representations or warranties set forth in this Section 2 at any time ceases to be true, Company shall promptly notify Allspring of this fact. Such notice shall be provided in accordance with Section 9.

**SECTION 3. ANTI-MONEY LAUNDERING RESPONSIBILITY** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Company represents and warrants that it is in compliance and will continue to be in compliance with all applicable anti-money laundering laws and regulations, including the Bank Secrecy Act, as amended by the USA PATRIOT Act, and implementing regulations of the Bank Secrecy Act and applicable guidance issued by the SEC and the guidance and rules of the applicable exchange and FINRA. Company agrees to immediately notify in writing the Anti-Money Laundering Compliance Officer of Allspring Funds Distributor, and shall provide pertinent Client information as permitted by Section 314(b) of the USA PATRIOT Act, if it becomes aware of any suspicious activity, pattern of activity or any activity that may require further review to determine whether it is suspicious in connection with the Funds.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Company will take all reasonable and practicable steps to ensure that it does not accept or maintain investments in any Fund, directly or indirectly from a person or entity (A) who is subject to sanctions administered by the U.S. Office of Foreign Assets Control ("OFAC"), (B) is included in any executive order or is on the list of Specially Designated Nationals and Blocked Persons maintained by OFAC, or (C) whose name appears on such other lists of prohibited persons and entities as may be mandated by applicable U.S. law or regulation. If Company becomes aware that it is holding property in which a Client subject to a sanctions regime has a beneficial interest, Company will take all appropriate steps to block such beneficial interest and report it to OFAC to the extent and in the manner required by applicable law.

**SECTION 4. PRIVACY** 

Company agrees that it will adopt and implement procedures to comply with the Gramm-Leach-Bliley Act and all other federal and state laws and regulations governing the privacy and security of customer information, including SEC Regulation S-P. The most current version of the Funds' privacy policy may be obtained at www.allspringglobal.com.

**SECTION 5. RIGHT TO AUDIT AND ACCESS** 

Upon reasonable request and notice to Company, Allspring will be permitted to audit Company information, controls and procedures designed to fulfill its duties and responsibilities under this Agreement and/or granted reasonable access to Company's personnel and records to allow Allspring to assess the quality and nature of services provided by Company and verify amounts payable or owed, under this Agreement. Allspring and its representatives must comply with all reasonable security and confidentiality procedures established by Company. Company will, upon request, provide Allspring with a third party audit report to demonstrate testing of Company's operational controls (e.g. SSAE-16, SOC-1, FICCA, etc.).

**SECTION 6. INDEMNIFICATION** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Neither Allspring nor Company shall be liable to the other except for (1) acts or failure to act which constitute willful misconduct, bad faith or negligence and (2) obligations expressly assumed under this Agreement. In addition, Company agrees to indemnify, defend and hold Allspring, the Funds and their respective employees, officers and directors harmless from any claim, damage, loss or expense on account of acts or failure to act which constitute willful misconduct, bad faith or negligence by Company or Company's partners, directors, officers, employees or agents in connection with the discharge of Company's responsibilities under this Agreement or breach of any of its representations or warranties contained in this Agreement. If such claims are asserted, the indemnitee(s) shall have the right to manage their own defense, including the selection and engagement of legal counsel, and all costs of such defense shall be borne by Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Allspring agrees to comply with all laws and regulations applicable to the offer and sale of Shares of the Funds and will indemnify and hold Company and its employees, officers, and directors harmless from any claim, damage, loss or expense on account of acts or failure to act which constitute willful misconduct, bad faith or negligence by Allspring, its representatives, agents or sub-agents in connection with this Agreement or any misrepresentation contained in the Prospectus or sales literature, sales bulletins and advertising supplied by Allspring.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Company agrees to notify Allspring, within a reasonable time, of any claim or complaint or any enforcement action or other proceeding with respect to Shares offered hereunder against Company or its partners, affiliates, officers, directors, employees or agents.

**SECTION 7. TERMINATION; AMENDMENT** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Either party may terminate the Agreement effective immediately upon delivery of written notice to the other party. This Agreement will terminate automatically in the event of its assignment, except for an assignment by either Party to an entity controlling, controlled by or under common control with the assignor (an "affiliate assignment"). In the event of an affiliate assignment, the assignee shall provide notice to the other Party and shall be bound by all of the

------

provisions of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Any provision of this Agreement may be amended by Allspring at any time upon written notice to Company. This Agreement supersedes and cancels any prior agreement with respect to the sales of Shares of any of the Funds.

**SECTION 8. GOVERNING LAW** 

This Agreement shall be governed and construed in accordance with the laws of the State of California, without reference to choice-of-law principles thereof.

**SECTION 9. NOTICES** 

Unless otherwise agreed to by both parties, all notices under this Agreement will be given in writing to Allspring at its offices, located at:

Allspring Funds Distributor, LLC

Attn: Contracts & Agreements

417 E. Chicago Street

Milwaukee, WI 53202

Email: allspringcontracts@allspringglobal.com

All notices to Company shall be given or sent to Company at Company's address shown below.

Notices to be provided to Company shall be delivered as follows:

The United States Life Insurance Company in the City of New York

Attn: Johnpaul General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

***\*\*\*\*\*****the remainder of this page intentionally left blank****\*\*\*\*\**** 

------

**IN WITNESS WHEREOF**, the parties hereto have caused this Agreement to be duly executed as of the date first written above.

---

| | |
|:---|:---|
| **ALLSPRING FUNDS MANAGEMENT, LLC** | **ALLSPRING FUNDS DISTRIBUTOR, LLC** |
| /s/ Annette Lege | /s/ John Moninger |
| Annette Lege, CFO | John Moninger, President |

---

**THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK** 

---

| | |
|:---|:---|
| By: | /s/ Barbara Rayll |

---

 <br> Name: Barbara Rayll

 <br> Title: Vice President, Business Case Development

 <br> Date: April 9, 2025

---

| | |
|:---|:---|
| Address: | 2919 Allen Parkway |
|  | Houston, TX 77019 |

---

---

| | |
|:---|:---|
| Telephone: | (713) 831-2236 |
| TAX ID #: | 13-5459480 |

---

------

**SCHEDULE A** 

**OPERATING PROCEDURES** 

Allspring Funds Distributor understands and agrees that orders for purchases and redemptions pursuant to this Agreement may be, but are not required to be, placed by use of the NSCC-Fund/SERV system. The procedures to be followed by Company are as set forth below. In the event of a discrepancy between the terms of a Fund's Prospectus and this Schedule A, the particular Fund's Prospectus will govern. Unless otherwise defined below, all capitalized terms have the meanings specified in the Agreement of which this Schedule is a part.

**<u>Procedures for Transactions Conducted via NSCC-Fund/SERV</u>:** 

(a) On each day that the New York Stock Exchange ("NYSE") is open for trading ("Business
Day"), Company represents and warrants that all orders for the purchase, exchange or redemption of Fund shares transmitted to Fund/SERV for processing on or as of a given Business Day ("Day 1") shall have been received by Company
prior to the regular close of trading on the NYSE (the "Cutoff Time") on Day 1. Such orders shall receive the share price next calculated following the Cutoff Time on Day 1. Company represents and warrants that orders received by Company
after the Cutoff Time on Day 1 shall be treated by Company and transmitted to Fund/SERV as if received on the next Business Day ("Day 2"). Such orders shall receive the share price next calculated following the Cutoff Time on Day 2.
Company represents that it has systems in place reasonably designed to prevent orders received after the Cutoff Time on Day 1 from being executed with orders received before the Cutoff Time on Day 1.

(b) By 6:00 p.m. Eastern Time on each Business Day, Company will use its best efforts to notify Allspring Funds
Distributor, either verbally or by electronic mail, of purchases and redemptions of $1,000,000 or more for each Fund.

(c) On each Business Day on which Company receives instructions prior to the Cutoff Time, Company shall transmit
to Allspring Funds Distributor via the NSCC Fund/SERV system purchase and redemption instructions for all Clients of Company. Company further agrees to utilize NSCC DCC&S cycles for eligible trades only. Allspring Funds Distributor reserves the
right to reverse any trades sent in DCC&S that are not eligible for DCC&S processing. Costs associated with these trade reversals will be borne by Company. In situations where Company is unable to transmit these trades on trade date due to
system malfunctions, Company may call in the instructions by no later than 9:00 a.m. Eastern Time on the Business Day following the trade date for such orders; such instructions will still be effected at the net asset value for the previous Business
Day on an "as of" basis. These "as-of" trades will require a medallion guaranteed letter of indemnity to be sent to the Funds' Transfer Agent, via facsimile no later than 9:30 a.m.
Eastern Time. In such cases, Company agrees to reimburse each Fund for any loss incurred by that Fund or dilution caused to that Fund promptly upon demand. If Company utilizes the extension permitted by this paragraph more than twice in any three
month period, Allspring Funds Distributor reserves the right to terminate this Agreement and revoke the trading arrangements described herein.

(d) The Fund reserves the right, in its sole discretion, to reject, reverse or reprice the orders
(notwithstanding the fact that Company may have received Fund/SERV confirmation of the orders) and Company will be responsible for reimbursement of any loss sustained by the Fund that may arise out of the improper transmittal of such orders.

(e) Company shall segregate purchase instructions by sales charge discount category consistent with the terms of
the Funds' Prospectus. In applying sales charges, Company shall take into account other assets eligible for linking pursuant to rights of accumulation, concurrent purchases, aggregating accounts and letters of intent, each as described in the
Funds' Prospectus. In the case of redemption instructions, Company shall disburse or credit to Clients all proceeds of redemptions of Shares of each Fund and all dividends and other distributions not reinvested in Shares of each Fund net of any
applicable CDSCs.

------

**SCHEDULE B** 

**RULE 22C-2 SHAREHOLDER INFORMATION AGREEMENT** 

Company agrees that it will comply with any restrictions and limitations on exchanges described in each Fund Prospectus, including any restrictions or prohibitions relating to frequent purchases and redemptions (*i.e.*, market timing). To that end, Company agrees to provide Allspring and the Funds, upon written request, the taxpayer identification number (the "TIN"), if known, of any or all shareholder(s) of the Funds held through an account with Company and the amount, date, name or other identifier of any investment professional(s) associated with the shareholder(s) or account (if known), and transaction type (purchase, redemption, transfer or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an account with Company during the period covered by the request.

1. **Agreement to Provide Information.** Company agrees (i) to provide Allspring, promptly upon request, the TIN, if known (or in the case of non-U.S. shareholders, if the TIN is unavailable, the International TIN or other government issued identifier), of any or all shareholder(s) that purchased, redeemed, transferred or exchanged shares through an account with Company, and the amounts and dates of such purchases, redemptions, transfers, and exchanges, in each case during the period covered by the request, and (ii) to use its best efforts to determine, promptly upon request, whether any shareholder identified in information provided pursuant to the foregoing clause (i) is itself a "financial intermediary" as defined in Rule 22c-2 ("indirect intermediary").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Period Covered by Request.** Requests must set forth a specific period, not to exceed 90 days from the date of the request, for which identification and transaction information is sought.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Form and Timing of Response.** Company agrees to transmit the requested information to Allspring and the Funds promptly, but in any event not later than five (5) business days, after receipt of a request. To the extent practicable, the format for any transaction information provided to Allspring and the Funds should be consistent with the NSCC Standardized Data Reporting Format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Limitations on Use of Information.** Allspring agrees not to use the information received for marketing or any other similar purpose without the prior written consent of Company.

2. **Agreement to Restrict Trading.** Company agrees to execute written instructions from Allspring to restrict or prohibit future purchases or exchanges of shares through Company's account, by a shareholder that has been identified by Allspring as having engaged in transactions in Shares that violate policies established by the Funds for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by the Funds. With respect to each indirect intermediary holding Shares through Company's account, Company agrees to, upon further request by Allspring, (i) provide (or arrange to have provided) the identification and transaction information set forth in clause (i) of paragraph 1 above regarding shareholders who hold accounts with any such indirect intermediary, or (ii) restrict or prohibit the indirect intermediary from purchasing, in nominee name on behalf of other persons, shares issued by the Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Form of Instructions.** Instructions must include the TIN, if known, and the specific restriction(s) to be executed. If the TIN is not known, the instructions must include an equivalent identifying number of the shareholder(s) or account(s) or other agreed-upon information to which the instruction relates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Timing of Response.** Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days after receipt of the instructions by Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Confirmation by Company.** Company must provide written confirmation to Allspring that instructions have been executed. Company agrees to provide confirmation as soon as reasonably practicable, but not later than ten (10) business days after the instructions have been executed.

3. **Definitions.** For purposes of this Schedule B, the term "shareholder" means: (i) an indirect intermediary that holds accounts with Company; (ii) the beneficial owner of Shares of a Fund, whether the Shares are held directly or by Company in nominee name; (iii) a retirement plan participant that directs that his or her plan account be invested in a Fund, notwithstanding that the plan may be deemed to be the beneficial owner of the Fund shares; and (iv) the holder of interests in a variable annuity or variable life insurance contract issued by Company to the extent Company invests the proceeds from the sale of such contract in a Fund. The term "written" includes electronic writings and facsimile transmissions.

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**SCHEDULE C** 

The following separate accounts and associated contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in the Funds shown in Schedule D:

USL Separate Account RS

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**SCHEDULE D** 

The Separate Account(s) shown on Schedule C may invest in the following Portfolio(s) of the Fund.

Allspring Core Plus Bond Fund, Class R6

## Ex-99.(H)(2)(I)

**FUND PARTICIPATION AND SERVICE AGREEMENT** 

The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (hereinafter called the "Insurance Company"), for itself and on behalf of one or more separate accounts of the Insurance Company (hereinafter called "Separate Accounts"), Capital Client Group, Inc. (hereinafter called "Distributor"), and American Funds Service Company (hereinafter called "Transfer Agent") on behalf of each of the American Funds (hereinafter collectively called the "Funds" and, individually, a "Fund"), for good and valuable consideration, hereby agree on this 9th day of May, 2025 that Class R-6 shares of the Funds ("Shares" or "Class R Shares") shall be made available to serve as underlying investment media for the Separate Account(s) offered under certain group variable annuity contracts (hereinafter called "Contract(s)"; holders of such Contracts hereinafter called "Contractholder(s)") to be offered by the Insurance Company subject to the following provisions:

1. <u>Authorization; Services</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. As principal underwriter of the Funds, Distributor agrees to offer and sell Class R- 6 Shares to the Insurance Company for itself and on behalf of the Separate Accounts pursuant to the terms of this Agreement. The Insurance Company will offer shares of the Funds in connection
with the sale of Contracts to employer-sponsored retirement plans established pursuant to Internal Revenue Code Section 403(b) or 457 or qualified under Code Section 401(a) (each a "Plan," and collectively "Plans").
This Agreement is in all respects subject to statements regarding the sale and repurchase or redemption of shares made in the offering prospectuses of the Funds, and to the applicable Rules of the NASD, which shall control and override any provision
to the contrary in this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Transfer Agent hereby appoints Insurance Company as limited agent with respect to shares of the Funds
purchased, held, and redeemed by the Separate Accounts solely for purposes of the provisions of this Agreement, and Insurance Company accepts such appointment, on the terms set forth herein. Such purchases and redemptions will be based on
Contract-level transactions made by or on behalf of Plans or Plan participants that are recorded on Insurance Company's record-keeping system. For purposes of this Agreement, "Contract-level transactions" will include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Any authorized direction to invest contributions by or on behalf of any Plan or Plan participant in a Fund
in accordance with the terms and conditions established by Insurance Company and the Fund's prospectus (the "Prospectus");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Any authorized direction to transfer or exchange existing amounts on behalf of any Plan or Plan participant
between a Fund and another investment option in accordance with the terms and conditions established by Insurance Company and the Prospectus; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Any authorized direction to pay loan, withdrawal or distribution proceeds from the Separate Account to a
Plan or Plan participant that results in redemption of shares of a Fund in accordance with the terms and conditions established by Insurance Company and the Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Insurance Company will maintain records for the Separate Account and for the Plan reflecting all shares of a
Fund purchased and redeemed by the Separate Account based on Contract-level transactions (including the date and price for all transactions and share balances) and all reinvestments by the Separate Account of dividends and capital gains
distributions paid by a Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. The Insurance Company, directly or through subcontractors (including a designated affiliate), shall provide
the certain services described in this Agreement on behalf of the Distributor, Transfer Agent and the Funds in connection with the sale and servicing of the Contracts. The services to be provided by the Insurance Company to its Separate Accounts
include, (i) mailing and otherwise making available to Contractholders, shareholder communications including, without limitation, prospectuses, proxy materials, shareholder reports, unaudited semi-annual and audited annual financial statements,
and other notices; (ii) handling general questions regarding the Funds from Contractholders (and Plan participants) including, without limitation, advising as to performance, yield being earned, dividends declared, and providing assistance with
other questions concerning the Funds; (iii) preparing and mailing periodic account statements showing the total number of Separate Account units owned by the Plan participant in that account, the value of such units, and purchases, redemptions,
dividends, and distributions in the account during the period covered by the statement; (iv) preparing and mailing IRS Form 1099-R and/or IRS Form W-2 as required
by applicable Internal Revenue Service rules and regulations; and (v) such other services and assistance to the Distributor and Transfer Agent with respect to the Contractholders as the Distributor and Transfer Agent shall reasonably request
including, without limitation, assistance in maintaining accounts and records. Administrative services to Contractholders shall be the responsibility of the Insurance Company and shall not be the responsibility of Distributor, Transfer Agent or any
of their affiliates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Insurance Company shall comply with the Operational Guidelines attached hereto, as amended from time to
time. To the extent the provisions of the Operational Guidelines are inconsistent with other provisions of this Agreement, the terms of the Operational Guidelines shall control.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Insurance Company understands that the Funds are committed to distributing their shares through retail
broker-dealers and banks that have entered into Selling Group Agreements with the Distributor. Accordingly, in providing or proposing to provide services to any Plan (as defined in paragraph 2, below), Insurance Company shall in good faith use its
best efforts to avoid any interference or conflicts with the relationships between the Funds/Distributor and such retail broker-dealers/banks.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Insurance Company shall transmit to Transfer Agent or the Funds (or to any agent designated by either of
them) such information in the possession of Insurance Company concerning the Plans (as defined in paragraph 2, below) and participants in the Plans as shall reasonably be necessary for Transfer Agent to provide services as transfer agent for the
Funds and as any Fund shall reasonably conclude is necessary to enable that Fund to comply with applicable state Blue Sky laws or regulations.

2. <u>Marketing of Contracts</u>. The Insurance Company will make reasonable efforts to market its Contracts.
In marketing its Contracts, the Insurance Company will comply in all material respects with applicable state insurance and federal and state securities laws. The Insurance Company may market the Contracts it issues through insurance agencies or
brokers including those which may be controlled by insurance companies. The Insurance Company shall make the Contracts available only to Plans.

3. <u>Compliance with Laws; Reliance on Instructions</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Distributor acknowledges and agrees that Insurance Company is not responsible for: (i) any information
contained in any prospectus, registration statement, annual report, proxy statement, or item of advertising or marketing material prepared by Distributor, which relates to any Fund; (ii) registration or qualification of any shares of any Fund
under any federal or state laws; or (iii) compliance by Distributor and the Funds with all applicable federal and state laws, rules and regulations, the rules and regulations of any self-regulatory organization with jurisdiction (the foregoing
laws, rules and regulations are collectively referred to herein as "Applicable Law") over the Distributor or Funds, and the provisions of the Funds' prospectus and statement of additional information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Insurance Company acknowledges and agrees that it is responsible for (i) any representations concerning
the Funds made by Insurance Company or its agents that are not included in the prospectuses, statements of additional information or advertising or marketing material relating to the Funds and prepared or approved in writing by the Distributor;
(ii) satisfying prospectus delivery requirements, to the extent required by law; and (iii) in connection with the services performed in connection with this Agreement, the compliance or failure to comply with any Applicable Law with
jurisdiction over Insurance Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Each party is entitled to rely on any written records or instructions provided to it by authorized persons
of the other party(ies).

4. <u>Insurance Company Representations and Warranties</u>. The Insurance Company represents and warrants that:
(i) it has the corporate power and the authority to enter into and perform all of its duties and obligations under this Agreement; (ii) this Agreement constitutes its legal, valid and binding obligation, enforceable against each
above-named party in accordance with its terms; (iii) no consent or authorization of, filing with, or other act by or in respect of any governmental authority is required in connection with the execution, delivery, performance, validity or
enforceability of this Agreement; (iv) it will or has

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established the Separate Accounts pursuant to applicable rules and regulations; (v) the Insurance Company has registered the Separate Accounts as unit investment trusts under the Investment Company Act of 1940, as amended (the "1940 Act"), to serve as investment vehicles for certain Contracts or, alternatively, has not registered one or more of the Separate Accounts in proper reliance upon an exclusion from registration under the 1940 Act; (vi) the Contracts provide for the allocation of net amounts received by the Insurance Company to the Separate Accounts, for investment in the shares of specified investment companies selected among those companies available through the Separate Accounts to act as underlying investment media and (vii) the Insurance Company's affiliate, is (a) a properly registered or licensed broker or dealer under applicable federal laws and regulations and is complying with and will continue to comply with all applicable federal laws, rules and regulations, (b) a member of the Financial Industry Regulatory Authority ("FINRA"), and (c) its membership with FINRA is not currently suspended or terminated. Insurance Company agrees to notify the Distributor immediately in writing if any of the foregoing representations ceases to be true to a material extent. <br>

5. <u>Distributor and Transfer Agent Representations and Warranties</u>. Distributor and Transfer Agent each
represents and warrants that: (i) this Agreement constitutes its legal, valid and binding obligation, and is enforceable against it in accordance with its terms; (ii) no consent or authorization of, filing with, or other act by or in
respect of any governmental authority is required in connection with the execution, delivery, performance, validity or enforceability of this Agreement; (iii) the execution, performance and delivery of this Agreement by it will not result in
its violating any Applicable Law or breaching or otherwise impairing any of its contractual obligations; (iv) Distributor represents that the Funds are registered as investment companies under the 1940 Act and Fund shares sold by the Funds are,
and will be, registered under the Securities Act of 1933, as amended; (v) Distributor represents that it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended, and may properly cause Fund shares to be made
available for the purposes of this Agreement pursuant to distribution agreements between the Funds and the Distributor; (vi) it has the corporate power and the authority to enter into and perform all of its duties and obligations under this
Agreement; (vii) Distributor and its affiliates are solely responsible for information contained in any prospectus, registration statement, annual report, proxy statement, or item of advertising or marketing material prepared by Distributor
relating to any Fund; and (viii) Distributor represents that prospectuses, other materials concerning the Funds are complete and accurate in all material respects and do not contain any material omission or misstatement of a material fact
necessary to make the information not misleading or untrue.

6. <u>Omnibus Accounts; Fees</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The Funds recognize that the Insurance Company, for itself or on behalf of the Separate Accounts, will be
the sole shareholder of shares of the Funds issued pursuant to the Contracts. Prior to establishing one or more omnibus accounts per Fund, Insurance Company shall obtain the written consent of the Distributor and/or Transfer Agent. Such arrangement
will result in aggregated share orders. In the event that the aggregate Contractholder accounts maintained by the Insurance Company do not balance with the omnibus accounts maintained by the Transfer

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Agent, neither the Transfer Agent, any of its affiliates nor the Funds shall be liable to the Contractholders for any shortfall, provided that such shortfall is not a result of an error or omission on the part of the Transfer Agent, its affiliates or the Funds. Until such time as the Insurance Company establishes the omnibus accounts, Insurance Company shall establish one account per Plan on the books of each Fund in which such Plan beneficially invests via the Contracts. <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The parties agree that no fees will be paid, exchanged, or shared under this Agreement.

7. <u>Pricing Information</u>. The Funds or the Transfer Agent will compute the closing net asset value, and
any distributor information (including the applicable record date, payable date, distribution rate per share, income accrual and capital gains information) for each Fund as of the close of regular trading on the New York Stock Exchange (normally
4:00 p.m. Eastern Time) on each day the New York Stock Exchange is open for business (a "Business Day") or at such other time as the net asset value of a Fund is calculated, as disclosed in the relevant Funds' current prospectuses.
The Funds or the Transfer Agent will use their best efforts to communicate to the Insurance Company such information by 6:30 p.m. Eastern Time on each Business Day. Such information shall be accurate and true in all respects and updated
continuously.

8. <u>Pricing Adjustments</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In the event an adjustment is made to the computation of the net asset value of Fund shares as reported to
Insurance Company under paragraph 7, (1) the correction will be handled in a manner consistent with SEC guidelines and the Investment Company Act of 1940, as amended and (2) the Funds or Transfer Agent shall notify Insurance Company as soon as
practicable after discovering the need for any such adjustment. Notification may be made in the following manner:

<u>Method of Communication</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) <u>Fund/SERV Transactions</u>. The parties agree that they may in the future agree to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") system. For transactions placed through Fund/SERV, any corrections to the Fund prices for the prior trade date will be submitted through the Mutual Fund Profile with the correct Fund prices and applicable date. If the corrections are dated greater than trade date plus one, a facsimile should be sent in addition to the Mutual Fund Profile submission; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) <u>Manual Transactions</u>. The parties agree that they will ordinarily transmit transactions by facsimile or by electronic transmission acceptable to Transfer Agent, and will include for each day on which an adjustment has occurred the incorrect Fund price, the correct price, and, to the extent communicated to the applicable Fund's shareholders, the reason for the adjustment. Funds and Transfer Agent agree that the Insurance Company may send this notification or a derivation thereof (so long as such derivation is approved in advance by Funds or Distributor,

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as applicable) to Plan participants whose accounts are affected by the adjustment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. With respect to errors in the net asset value of the Funds as communicated to Insurance Company, the
correction will be handled in a manner consistent with SEC guidelines and the Investment Company Act of 1940. Any administrative costs incurred for correcting the underlying Plan participant accounts will be at Insurance Company's expense.

9. <u>Purchases and Redemption Orders; Settlement of Transactions</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Fund/SERV Transactions. In the event the parties agree to submit transactions via the National Securities
Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") system, the following provisions shall apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) The Insurance Company and Transfer Agent will be bound by the terms of the Fund/SERV Agreement filed by each with the National Securities Clearing Corporation ("NSCC"). Without limiting the generality of the following provisions of this section, the Insurance Company and Transfer Agent each will perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV and the Networking Matrix Level utilized.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Any information transmitted through the NSCC's Networking system ("Networking") by any party to the other and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through Networking and to limit the access to, and the inputting of data into, Networking to persons specifically authorized by such party.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) <u>Same Day Trades</u>. On each Business Day, the Insurance Company shall aggregate and calculate the purchase orders and redemption orders for each Account received by the Insurance Company prior to the Close of Trading on each Business Day. The Insurance Company shall communicate to Transfer Agent for that Business Day, by Fund/SERV, the aggregate purchase orders and redemption orders (if any) for each Account received by the Close of Trading such Business Day (the "Trade Date") by no later than 5:00 a.m. Eastern Time on the following Business Day. Transfer Agent shall treat all trades communicated to Transfer Agent in accordance with the foregoing as if received prior to the Close of Trading on the Trade Date. All orders received by the Insurance Company after the close of trading on a Business Day shall not be transmitted to NSCC prior to 5:00 a.m. Eastern Time on the following Business Day, and Insurance Company represents that orders it receives after 4:00 p.m. Eastern time on any given Business Day will be transmitted to the Transfer Agent using the following Business Day's net asset value. Transfer Agent may process orders it receives after the 5:00 a.m. deadline using the net asset value determined on the Business Day following the Trade Date.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Manual Transactions.</u> Manual transactions via facsimile shall be used by the Insurance Company unless
otherwise agreed to by the parties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) <u>Next Day Transmission of Orders.</u> The Insurance Company will notify the Transfer Agent by 9:30 a.m. Eastern Time, on the next Business Day the aggregate amounts of purchase orders and redemption orders, that were placed by Contractholders in each Separate Account by 4:00 p.m. Eastern time on the prior Business Day (the "Trade Date"). Insurance Company represents that orders it receives after 4:00 p.m. Eastern time on any given Business Day will be transmitted to the Transfer Agent using the following Business Day's net asset value. Transfer Agent may process orders it receives after the 9:30 a.m. deadline using the following Business Day's net asset value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) <u>Purchases</u>. All orders received by Insurance Company by 4:00 p.m. on a Business Day and communicated to the Transfer Agent by the 9:30 a.m. deadline shall be treated by the Transfer Agent as if received as of the close of trading on the Trade Date and the Transfer Agent will therefore execute orders at the net asset values determined as of the close of trading on the Trade Date. Insurance Company will initiate payment by wire transfer to a custodial account designated by the Funds for the aggregate purchase amounts prior to 4:00 p.m. Eastern time on the next Business Day following Trade Date. Dividends and capital gain distributions shall be automatically reinvested in additional shares at the ex-dividend-date net asset value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) <u>Redemptions</u>. Aggregate orders for redemption of shares of the Funds will be paid in cash and wired from the Funds' custodial account to an account designated by the Insurance Company. Transfer Agent will initiate payment by wire to Insurance Company or its designee the proceeds of such redemptions by 4:00 p.m. Eastern Time following the Trade Date (T+1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Contingencies</u>. All orders are subject to acceptance by Transfer Agent and become effective only upon
confirmation by Transfer Agent. Upon confirmation, the Transfer Agent will verify total purchases and redemptions and the closing share position for each Fund/account. In the case of delayed settlement, Transfer Agent and Insurance Company shall
make arrangements for the settlement of redemptions by wire no later than the time permitted for settlement of redemption orders by the Investment Company Act of 1940. Such wires for Insurance Company should be sent to:

**Bank of New York** 

**ABA # 021000018** 

**A/C # 8901712795** 

**United States Life Inc. Co.** 

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Such wires for Transfer Agent should be sent to:

**Wells Fargo Bank** 

**155 Fifth Street, Sixth Floor** 

**San Francisco, CA 94106** 

**ABA#: 121000248** 

**Account#: 4600-212120** 

**For credit to the account of American Funds Service** 

**Company (***shareholder account number***)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Processing Errors</u>. Processing errors which result from any delay or error caused by Insurance Company
may be adjusted through facsimile or by electronic transmission mutually acceptable to the Transfer Agent and the Insurance Company by Insurance Company by the necessary transactions on a current basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Coding</u>. If applicable, orders for the purchase of Fund shares shall include the appropriate coding to
enable Transfer Agent to properly calculate commission payments to any broker-dealer firm assigned to the Separate Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Reconciliation</u>. Insurance Company shall reconcile share positions with respect to each Fund for each
Separate Account as reflected on its records to those reflected on statements from Transfer Agent and shall, on request, certify that each Separate Account's share positions with respect to each Fund reported by Transfer Agent reconcile with
Insurance Company's share positions for that Separate Account. Insurance Company shall promptly inform Transfer Agent of any record differences and shall identify and resolve all non-reconciling items
within five business days.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Verification</u>. Within a reasonable period of time after receipt of a confirmation relating to an
Instruction, Insurance Company shall verify its accuracy in terms of such Instruction and shall notify Transfer Agent of any errors appearing on such confirmation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <u>Order Processing</u>. Any order by Insurance Company for the purchase of shares of the respective Funds
through Distributor shall be accepted at the time when it is received (for manual transactions, at the time specified in Section 9(b) of this Agreement) by Distributor/Transfer Agent (or any clearinghouse agency that Distributor/Transfer Agent
may designate from time to time), and at the offering and sale price next determined as described in this Agreement, unless rejected by Distributor, Transfer Agent or the respective Funds. In addition to the right to reject any order, the Funds have
reserved the right to withhold shares from sale temporarily or permanently. Distributor/Transfer Agent will not accept any order from Insurance Company that is placed on a conditional basis or subject to any delay or contingency prior to execution.
The procedure relating to the handling of orders shall be subject to instructions that Distributor shall forward from time to time to all members of the selling group. The shares purchased will be issued by

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the respective Funds only against receipt of the purchase price, in collected New York or Los Angeles Clearing House funds. If payment for the shares purchased is not received within three days after the date of confirmation, the sale may be cancelled by the Distributor or by the respective Funds without any responsibility or liability on the part of the Distributor or the Funds, and the Distributor and/or the respective Funds may hold the Insurance Company responsible for any loss, expense, liability or damage, including loss of profit suffered by the Distributor and/or the respective Funds, resulting from Insurance Company's delay or failure to make payment as aforesaid. <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. <u>NSCC Rules.</u> NSCC rules and procedures shall govern any matter in which any provision contained in
this Agreement conflicts with any such NSCC rule or procedure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. <u>Overpayments.</u> In the event any overpayment is made to the Insurance Company by the Transfer Agent,
the Insurance Company shall promptly repay such overpayment to the Transfer Agent, but in no event more than fifteen (15) days after the Insurance Company receives notice of such overpayment. If any overpayment is not timely repaid to Transfer
Agent, the Insurance Company authorizes the Transfer Agent, the Funds, or any of their affiliates, to offset any such overpayment against any funds otherwise payable to the Insurance Company for the Insurance Company's own account by the
Transfer Agent, the Funds or their affiliates, including, without limitation, service fees; provided, however, that an overpayment to the Insurance Company shall not be subject to such offset if the overpayment was the result of an error or other
negligent act or omission on the part of the Funds or the Transfer Agent.

In the event any overpayment is made to the Transfer Agent by the Insurance Company, the Transfer Agent shall promptly repay such overpayment to the Insurance Company, but in no event more than fifteen (15) days after the Transfer Agent receives notice of such overpayment.

10. <u>Account Activity</u>. Upon request, the Transfer Agent shall send to the Insurance Company, (i)
confirmations of activity in each Separate Account within five (5) business days after each Trade Date on which a purchase or redemption of shares of a Fund is effected for a Separate Account; (ii) statements detailing activity in each
Separate Account no less frequently than quarterly; and (iii) such other information as may reasonably be requested by Insurance Company and agreed upon by Transfer Agent.

11. <u>Expenses</u>. All expenses incident to each party's performance of this Agreement shall be paid by
the respective party. The Funds shall pay the cost of registration of their shares with the Securities and Exchange Commission (the "SEC"), preparation of the Fund's prospectuses, proxy materials and reports, or the preparation of
other related statements and notices required by Applicable Law. The Funds shall pay the cost of qualifying Fund shares in states where required.

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12. <u>Proxy and Other Communication Materials.</u> The Funds shall distribute to the Insurance Company their
proxy material and periodic Fund reports to shareholders. The Transfer Agent or the Funds shall provide the Insurance Company with a reasonable quantity of the Funds' prospectuses and sales literature upon request to be used for the Separate
Accounts in connection with the transactions contemplated by this Agreement. Distributor, Transfer Agent or the Funds shall provide to Insurance Company, or its authorized representative, at no expense to Insurance Company, the following
Contractholder communication materials prepared for circulation to Contractholders in quantities reasonably requested by Insurance Company which are sufficient to allow mailing thereof by Insurance Company, to the extent required by Applicable Law,
to all Contractholders in the Separate Accounts: proxy or information statements, annual reports, semi-annual reports, and all updated prospectuses, supplements and amendments thereof. The Distributor, Transfer Agent or the Funds shall provide
Insurance Company with other documents and materials as Insurance Company may reasonably request from time to time.

Distributor will provide Insurance Company on a timely basis with investment performance information for each Fund, including (a) the top ten portfolio holdings on a quarterly basis; and (b) on a monthly basis, average annual total return for the prior one- year, three year, five-year, ten-year and life of the Fund. Distributor will endeavor to provide the information in clause (a) to Insurance Company within twenty business days after the end of each quarter, and will endeavor to provide the information in clause (b) to Insurance Company within five business days after the end of each month, and will use its reasonable efforts to assist Insurance Company in preparing any "requests for proposals" relating to qualified and non-qualified retirement plans which may make available the Contracts as an investment alternative.

13. <u>Review of Advertising and Sales Literature; Representations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Insurance Company may, based on the SEC-mandated information
supplied by Distributor, prepare communications. In addition, Insurance Company may prepare such materials, based on performance information supplied by third party information providers (e.g., Lipper, Morningstar). Insurance Company shall provide
copies of all such materials to Distributor prior to their first use for Distributor's review and Distributor shall have ten business days to approve or reject such material. It is understood that Distributor shall be responsible for errors or
omissions in, or the content of, such materials based upon information supplied by the Funds. Insurance Company shall be responsible for all other errors or omissions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Neither Insurance Company nor any person associated with Insurance Company shall make representations
concerning a Fund, Transfer Agent or any of Transfer Agent's affiliates, except those contained in the current promotional literature produced by the Distributor, unless specifically approved in writing by the Distributor. Neither Insurance
Company nor any person associated with Insurance Company shall make use of the names, logos or any likeness of the Funds, Transfer Agent or any of Transfer Agent's affiliates without the prior written consent of Distributor.

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14. Proxy Materials/Voting. The Insurance Company will distribute all proxy material furnished by the Funds to
the extent required by Applicable Law. For so long as the SEC interprets the 1940 Act to require pass-through voting by insurance companies whose separate accounts are registered as investment companies under the 1940 Act ("Registered Separate
Accounts"), the Insurance Company shall vote shares of the Funds held in Registered Separate Accounts at shareholder meetings of the Funds in accordance with instructions timely received by the Insurance Company (or its designated agent) from
owners of Contracts funded by such Registered Separate Accounts having a voting interest in the Funds. The Insurance Company shall vote shares of the Funds held in Registered Separate Accounts that are attributable to the Contracts as to which no
timely instructions are received, as well as shares held in such Registered Separate Account that are not attributable to the Contracts and owned beneficially by the Insurance Company (resulting from charges against the Contracts or otherwise), in
the same proportion as the votes cast by owners of the Contracts funded by the Registered Separate Account having a voting interest in the Funds from whom instructions have been timely received. The Insurance Company shall vote shares of the Funds
held in its general account or in any Separate Account that is not registered under the 1940 Act, if any, in its discretion.

15. Prospectuses. For purposes of this Agreement, the following are added as additional provisions relating to
Rule 498 of the 1933 Act:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. The Distributor and Transfer Agent represent and warrant that any use of summary prospectuses and
supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Funds, at their sole cost and expense, shall
provide the Insurance Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. The Funds agree that the Insurance Company is not required to distribute the summary prospectuses to its
Contract owners and that any use will be in the discretion of the Insurance Company.

For purposes of this Agreement, the following are added as additional provisions relating to Rule 498A under the 1933 Act ("Rule 498A"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. The Funds shall be responsible for preparing and providing the following "Fund Documents," as
specified in Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Funds; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1) for the Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. The Funds shall provide the Trust Documents specified in Paragraphs 5.A, (b), and (c) above to the
Insurance Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary in an electronic format that is suitable for website posting, and in a format, or formats, that comply with
the requirements of Rule 498A to facilitate

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a continuous offering of the Funds' securities and the Contracts. The Funds shall be responsible for the content and substance of the Trust Documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. The Insurance Company shall host and maintain the website specified in Rule 498A, so that the Fund Documents
are publicly accessible, free of charge, at that website, provided that the Funds fulfill its obligations under this Amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. The Insurance Company shall ensure that an Initial Summary Prospectus is used for each currently offered
variable contract described under the related registration statement, in accordance with Rule 498A. The Funds shall ensure that a summary prospectus is used for the Funds, in accordance with Rule 498A, and will provide notice to the Insurance
Company in advance of any termination of the use of summary prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. The Funds shall provide such data regarding each Fund's expense ratios and investment performance as
the Insurance Company shall reasonably request, to facilitate the registration and sale of variable contracts. Without limiting the generality of the foregoing, the Funds shall provide Fund expense and performance data on a timely basis to
facilitate the Insurance Company's preparation of its annually updated registration statements (and as otherwise reasonably requested by the Insurance Company), but in no event later than one hundred (100) calendar days after the close of
each Fund's fiscal year.

For purposes of this Agreement, the following are added as additional provisions relating to Rule 30e-1 under the 1940 Act:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. The Funds shall be responsible for preparing and providing the materials required by Rule 30e-1(b) under the 1940 Act ("Rule 30e-1") (collectively, the "Required Materials").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I. The Funds shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

16. <u>Independent Contractor Status.</u> The Insurance Company shall, for all purposes herein, be deemed to be
an independent contractor and shall have, unless otherwise expressly provided or authorized, no authority to act for or represent the Distributor or the Funds in any way or otherwise be deemed an agent of the Distributor or the Funds.

17. <u>Termination</u>. At the terminating party's election and the other party's concurrence,
termination of this Agreement may be limited solely as to new Plans and new Contracts. This Agreement shall terminate as to the sale and issuance of Contracts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. at the option of the Insurance Company, Distributor, Transfer Agent or the Funds upon 60 days advance
written notice to the other parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. at any time by giving 30 day's written notice to the other party in the event of a material breach of
this Agreement by the other party that is not cured during such 30-day period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. at the option of the Insurance Company, Distributor or the Funds, upon institution

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of formal proceedings relating to (i) the marketing of the Contracts, (ii) the Separate Accounts, (iii) the Insurance Company, (iv) Distributor or (v) the Funds by the FINRA, the SEC or any other regulatory body;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. at the option of any Fund, the investment adviser to the Funds (the "Adviser"), or the Insurance
Company, upon termination of Adviser's investment advisory agreement with the Fund. Notice of such termination shall be promptly furnished. This paragraph (d) shall not be deemed to apply if, contemporaneously with such termination, a new
contract of substantially similar terms is entered into between the Adviser and the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. except for Insurance Company's delegation of its duties to a subcontractor or to an affiliate, upon
assignment of this Agreement, at the option of any party not making the assignment, unless made with the written consent of the other parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. in the event interests in the Separate Accounts, the Contracts, or Fund shares are not registered, issued or
sold in conformity with Applicable Law or such Applicable Law precludes the use of Fund shares as an underlying investment medium of Contracts issued or to be issued by the Insurance Company. Prompt notice shall be given by the terminating party to
the other parties in the event the conditions of this provision occur;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. for Registered Separate Accounts, they may terminate upon a decision by the Insurance Company, in accordance
with regulations of the SEC for Registered Separate Accounts, to substitute Fund shares with the shares of another investment company for Contracts for which the Fund shares have been selected to serve as the underlying investment medium for
Registered Separate Accounts. The Insurance Company will give 60 days' written notice to the applicable Fund and the Distributor upon the occurrence of the earlier of the following actions taken for the purpose of substituting shares of the
Fund: (1) an application made to the SEC, (2) a proposed Contractholder vote, or (3) the Insurance Company's determination to substitute Fund shares with the shares of another investment company.

The Funds will in no way recommend action in connection with, or oppose or interfere with any application made to the SEC by the Insurance Company with regard to the substitution of Fund shares with shares of another investment company or seek in any manner to oppose or interfere with a proposed Contractholder vote; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. upon such shorter notice as is required by law, order or instruction by a court of competent jurisdiction or
a regulatory body or self-regulatory organization with jurisdiction over the terminating party.

Upon termination and at the request of the requesting party, the other party shall deliver to the requesting party, any records which the requesting party may be required by law or regulations to have access to or to maintain.

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18. <u>Notices</u>. All notices under this Agreement, unless otherwise specified in the Agreement shall be given
in writing and delivered via overnight delivery (postage prepaid, return receipt requested), facsimile transmission or registered or certified mail, as follows:

If to the Insurance Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01 Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750 Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Distributor, Transfer Agent or to the Funds:

American Funds Service Company

Attn: Contract Administration

3500 Wiseman Boulevard

San Antonio, TX 78251-4321

Email: Contract_Admin@capitalgroup.com

or to such other address or person as may be specified in a written notice given to the other parties. The date of service of any notice shall be the date it is received by the recipient.

19. <u>Books and Records</u>. Each party hereto shall cooperate with the other parties and all appropriate
governmental authorities and shall permit authorities reasonable access to its books and records upon proper notice in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby. Each party shall
maintain and preserve all records in its possession as required by law to be maintained and preserved in connection with the provision of the services contemplated hereunder. Upon the request of a party, the other party shall provide copies of all
records as may be necessary to (a) monitor and review the performance of either party's activities, (b) assist either party in resolving disputes, reconciling records or responding to auditor's inquiries, (c) comply with any
request of a governmental body or self-regulatory organization, (d) verify compliance by a party with the terms of this Agreement, (e) make required regulatory reports, or (f) perform general customer service. The parties agree to
cooperate in good faith in providing records to one another under this provision.

In addition, Insurance Company shall establish and maintain procedures to meet the following requirements: (i) respond to written inquiries within five days concerning a transaction processed within the last six months to a Plan participant's account; (ii) respond to requests for a transcript within 20 business days; (iii) respond to dividend (earnings)

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inquiries within 10 business days; and (iv) maintain all relevant documentation to support transactions processed on behalf of the Plan participant's account.

Insurance Company shall track the number of complaints to Insurance Company regarding transactions that were not processed correctly. Insurance Company shall, on request, report to Transfer Agent the total number of transactions and the total number of complaints received by Insurance Company, which arose from processing errors by Insurance Company.

20. <u>Indemnification.</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Insurance Company shall indemnify and hold harmless Distributor, Transfer Agent, the Funds, and each of their affiliates, directors, officers, employees and agents and each person who controls them within the meaning of the Securities Act of 1933, as amended, from and against any and all losses, claims, damages, liabilities and expenses, including reasonable attorneys' fees ("Losses"), they may incur, insofar as such Losses arise out of or are based upon (i) Insurance Company's negligence or willful misconduct in the performance of its duties and obligations under this Agreement, (ii) Insurance Company's violation of any Applicable Law in connection with the performance of its duties and obligations under this Agreement, and (iii) any breach by Insurance Company of any provision of this Agreement, including any representation, warranty or covenant made in the Agreement. Insurance Company shall also reimburse Distributor, Transfer Agent or the Funds for any legal or other expenses reasonably incurred by any of them in connection with investigating or defending against such Losses. This indemnity provision is in addition to any other liability which Insurance Company may otherwise have to Distributor, the Transfer Agent or the Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Distributor and Transfer Agent, as applicable, shall indemnify and hold harmless, Insurance Company and its
affiliates, directors, officers, employees and agents and each person who controls them within the meaning of the Securities Act of 1933, as amended, from and against any and all Losses they may incur, insofar as such Losses arise out of or are
based upon (i) Distributor's or Transfer Agent's negligence or willful misconduct in the performance of its duties and obligations under this Agreement, (ii) Distributor's or Transfer Agent's violation of Applicable Law
in connection with the performance of its duties and obligations under this Agreement, and (iii) any breach by Distributor or Transfer Agent of any provision of this Agreement, including any representation, warranty or covenant made in the
Agreement. Distributor and Transfer Agent, as applicable, shall also reimburse Insurance Company and its affiliates for any legal or other expenses reasonably incurred in connection with investigating or defending against such Losses. This indemnity
provision is in addition to any other liability which Distributor or Transfer Agent may otherwise have to Insurance Company or its affiliates. Notwithstanding the foregoing, neither the Transfer Agent, Distributor, any of their affiliates nor the
Funds shall indemnify or hold Insurance Company harmless pursuant to this paragraph for Losses to the extent such loss results from a determination that Insurance Company's receipt of fees as provided in paragraph

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6(b), above, violates the Employee Retirement Income Security Act of 1974, as amended, or any other federal or state law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Promptly after receipt by a party entitled to indemnification under this paragraph 20 (an "Indemnified
Party") of notice of the commencement of an investigation, action, claim or proceeding, such Indemnified Party will, if a claim in respect thereof is to be made against the indemnifying party under this paragraph 20, notify the indemnifying
party of the commencement thereof. The indemnifying party will be entitled to assume the defense thereof, with counsel satisfactory to the Indemnified Party. After notice from the indemnifying party of its intention to assume the defense of an
action and the appointment of satisfactory counsel, Indemnified Party shall bear the expenses of any additional counsel obtained by it, and the indemnifying party shall not be liable to such Indemnified Party under this paragraph for any legal
expenses subsequently incurred by such Indemnified Party in connection with the defense thereof other than reasonable costs of investigation. The indemnifying party shall not, without the prior written consent of the Indemnified Party, settle or
compromise the liability of the Indemnified Party; provided, however, that in the event that the Indemnified Party fails to provide its written consent, the indemnifying party shall thereafter be liable to provide indemnification only to the extent
of the amount for which the action could otherwise have been settled or compromised.

21. <u>Governing Law</u>. This Agreement shall be governed by and interpreted in accordance with the laws of the
State of California exclusive of conflicts of laws.

22. <u>Subchapter M</u>. The Distributor will endeavor to have each Fund comply with Subchapter M of the
Internal Revenue Code of 1986, as amended, and the regulations thereunder and shall qualify as a regulated investment company thereunder.

23. <u>Entire Agreement/Amendments</u>. This Agreement contains the entire understanding and agreement among the
parties with respect to the subject matter of this Agreement and may not be amended except by written agreement of the parties, however, an executed written amendment may not be necessary when adding a new fund to the Agreement.

24. <u>Assignability</u>. This Agreement shall extend to and be binding upon the Insurance Company, the
Distributor and the Transfer Agent and their respective successors and assigns; provided, however, that neither this Agreement nor any rights, privileges, duties or obligations of the parties may be assigned by any party without the prior written
consent of the other parties or as expressly contemplated by this Agreement.

25. <u>Proprietary Information</u>. The Distributor and the Funds agree that the names, addresses, and other
information relating to the Contractholders or Plan participants or prospects for the sale of the Contracts developed by Insurance Company are the exclusive property of the Insurance Company and may not be used by Distributor, Transfer Agent or the
Funds without the written consent of the Insurance Company except for carrying out the terms of this Agreement or as otherwise provided for in this Agreement and any amendments thereto. Each party to this Agreement agrees to maintain the
confidentiality of all

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information (including personal financial information of the customers of either party) received from the other party pursuant to this Agreement. Each party agrees not to use any such information for any purpose, or disclose any such information to any person, except as permitted or required by applicable laws, rules and regulations, including applicable state privacy laws and the Gramm-Leach-Bliley Act and any regulations promulgated thereunder. This provision, to the extent permissible by applicable law, shall not be construed to limit the parties' obligation to comply with paragraph 19, above. <br>

26. <u>Severability</u>. If any provision of this Agreement shall be held or made invalid by a court decision,
statute, rule or otherwise, the remainder of the Agreement shall not be affected thereby.

27. <u>No Waiver</u>. No waiver of any provision of this Agreement will be binding unless in writing and
executed by the party granting such waiver. Any valid waiver of a provision set forth herein shall not constitute a waiver of any other provision of this Agreement. In addition, any such waiver shall constitute a present waiver of such provision and
shall not constitute a permanent future waiver of such provision.

28. <u>No Joint Venture, Etc.</u> Neither the execution nor performance of this Agreement shall be deemed to
create a partnership or joint venture by and among Insurance Company, Distributor, and the Funds.

29. <u>Counterparts</u>. This Agreement may be executed in one or more counterparts, each of which shall be
deemed an original, but all of which together shall constitute one and the same Agreement.

30. <u>Survival</u>. The provisions of paragraphs 4, 5, 20 and 25 survive termination of this Agreement.

31. <u>Non-exclusivity</u>. Each of the parties acknowledges and agrees
that this Agreement and the arrangements described herein are intended to be non-exclusive and that each of the parties is free to enter into similar agreements and arrangements with other entities.

32. <u>Insurance</u>. At all times Insurance Company shall maintain insurance coverage that is reasonable and
customary in light of all its responsibilities hereunder. Such coverage shall insure for losses resulting from the criminal acts or errors and omissions of Insurance Company's employees and agents.

33. <u>Oversight of Insurance Company</u>. Insurance Company will permit Transfer Agent or its representative to
have reasonable access to Insurance Company's personnel and records pertaining to this Agreement in order to facilitate the monitoring of the quality of the services performed by Insurance Company under this Agreement.

34. <u>Independent Audit</u>. In the event Transfer Agent determines, based on a review of complaints received
in accordance with paragraph 19, above, that Insurance Company is not processing Plan transactions accurately, Transfer Agent reserves the right to require that Insurance Company's data processing activities as they relate to this Agreement be

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subject to an audit by an independent accounting firm to ensure the existence of, and adherence to, proper operational controls. Insurance Company shall make available upon Transfer Agent's request a copy of any report by such accounting firm as it relates to said audit. Insurance Company shall immediately notify Transfer Agent in the event of a material breach of operational controls. <br>

35. <u>Trading Relationships with Third Parties</u>. If Insurance Company provides third parties with trading
services, Insurance Company may not give such third parties access to the Funds without the prior written consent of the Distributor.

36. <u>Breach of Agreement</u>. In addition to all other remedies available at law or in equity for breach of
this Agreement, Transfer Agent and Distributor reserve the right to withhold payment of fees under paragraph 6(b) of this Agreement for any breach of this Agreement by Insurance Company.

37. <u>Arbitration</u>. In the event of a dispute between the parties with respect to this Agreement, and in the
event the parties are unable to resolve the dispute between them, such dispute shall be settled by arbitration; one arbitrator to be named by each party to the disagreement and a third arbitrator to be selected by the two arbitrators named by the
parties. The decision of a majority of the arbitrators shall be final and binding on all parties to the arbitration. The expenses of such arbitration shall be paid by the non-prevailing party.

38. <u>Shareholder Information Agreement.</u> The Insurance Company agrees to provide the Funds pursuant to Rule 22c-2 under the Investment Company Act of 1940, certain account information necessary to prohibit transactions that violate the policies established by the Funds for the purpose of eliminating or reducing any
dilution of the value of the outstanding shares issued by the Funds.

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IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the date first above written.

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| | |
|:---|:---|
| **THE UNITED STATE LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK**<br> for itself and on behalf of the Separate Accounts | **THE UNITED STATE LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK**<br> for itself and on behalf of the Separate Accounts |
| By: | /s/ Barbara Rayll |

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Print Name: Barbara Rayll

Title: Vice President, Business Case Development

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| | |
|:---|:---|
| **CAPITAL CLIENT GROUP, INC.** | **CAPITAL CLIENT GROUP, INC.** |
| By: | /s/ Tim McHale |

---

Print Name: Tim McHale

Title: Secretary

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| | |
|:---|:---|
| **AMERICAN FUNDS SERVICE COMPANY** | **AMERICAN FUNDS SERVICE COMPANY** |
| By: | /s/ Brenda Baldwin |

---

Print Name: Brenda Baldwin

Title: Vice President

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**<u>OPERATIONAL GUIDELINES</u>** 

1. Insurance Company shall establish separate accounts that include the name and the unique numbers given to
Insurance Company.

2. When transmitting instructions for the purchase and/or redemption of Class R Shares of the Funds,
Insurance Company shall aggregate and calculate the purchase orders and redemption orders for all Plan participant purchase transactions and/or all Plan participant redemption transactions.

3. With respect to Plan participant transactions, Insurance Company shall abide by requirements of the
Funds' frequent trading policy as described in their prospectuses and statements of additional information.

4. References to the Funds on Plan participant statements and on Insurance Company's web site shall
include the full name of the Fund and a reference to "American Funds." By way of example, "American Funds – The Investment Company of America". If field size prohibits the use of the full name of the Fund and a reference to
"American Funds", the Fund name may be abbreviated with the approval of the Distributor.

## Ex-99.(H)(3)(I)

**<u>PARTICIPATION AGREEMENT</u>**

**Between** 

**<u>FIDELITY DISTRIBUTORS COMPANY LLC</u>**

**and** 

**<u>THE UNITED STATE LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK</u>**

THIS AGREEMENT, made and entered into as of this 7<sup>th</sup> day of March, 2025 by and between The United State Life Insurance Company in the City of New York, (hereinafter the "Company"), organized under the laws of the State of New York, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto, as may be amended from time to time, (each such account hereinafter referred to as an "Account" and collectively as the "Accounts"), and FIDELITY DISTRIBUTORS COMPANY LLC (hereinafter the "Underwriter"), a Massachusetts corporation.

WHEREAS, each Fund set forth on Schedule A hereto (which may be amended from time to time by mutual written consent) engages in business as an open-end management investment company.

WHEREAS, the beneficial interest in any Fund may be divided into several series of shares, each designated a "Portfolio" as set forth in Schedule A and representing the interest in a particular managed portfolio of securities and other assets; and

WHEREAS, the Company has established the Accounts, to serve as investment vehicles for the group annuity contracts offered by the Company set forth on Schedule A (which may be amended from time to time by mutual written consent) ("Contracts"). Selection of a particular investment company is made by the owner of a Contract ("Contract Owner") in accordance with the provisions of the applicable Contract; and

WHEREAS, the Underwriter is registered as a broker/dealer with the Securities and Exchange Commission (the "SEC") under the Securities Exchange Act of 1934, as amended, (hereinafter the "1934 Act"), and is a member in good standing of the Financial Industry Regulatory Authority (hereinafter "FINRA"); and

WHEREAS, to the extent permitted by applicable securities and insurance laws and regulations, the Company intends to purchase shares in the Portfolios on behalf of each Account to fund certain of the aforesaid variable annuity contracts.

NOW, THEREFORE, in consideration of their mutual promises, the Company and the Underwriter agree as follows:

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ARTICLE I. <u>Sale of Fund Shares</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1. The Underwriter agrees to make available shares of the Portfolios indefinitely for purchase at the applicable net asset value per share next computed in accordance with the then current prospectus for the applicable Fund after receipt by the applicable Fund of the order for purchase by the Company and its Accounts on those days on which the applicable Fund calculates its net asset value pursuant to rules of the SEC; provided that the Company qualifies for any sales load waiver described in the then current prospectus for such Portfolio. For purposes of Sections 1.1 and 1.2, the Company shall be the agent of the Funds for the limited purpose of accepting orders of purchase and redemption for shares of the Funds on behalf of the Accounts, and receipt by the Company shall therefore constitute receipt by the Fund of such orders for purposes of determining the net asset value at which such orders will be executed, so long as the requirements of the rest of this paragraph are met. Beginning within three months of the effective date of this Agreement, the Company agrees that orders for the purchase or redemption of shares of the Funds on behalf of the Accounts will be placed directly by the Company with the Funds or their transfer agent by electronic transmission. Company shall transmit orders directly to the Funds or their designee(s) by 3:00 a.m. Eastern Time of the calendar day next following the Business Day (NOT the next Business Day) on which the Order was accepted by Company (provided again that the Company's orders shall reflect only orders it receives from owners of Contracts or participants under Contracts prior to 4:00 p.m. Eastern Time). The Funds will execute purchase and redemption orders at the net asset value determined as of the close of trading on the day of receipt of such orders by the Company, provided that such orders are received by the Funds by 3:00 a.m. Eastern Time of the calendar day next following the Business Day (NOT the following Business Day) on which the Order was accepted by Company AND payment for such orders is received by the Funds no later than the close of the Fedwire system on the Business Day following the day on which purchase instructions are treated as having been received by the Funds. "Business Day" shall mean any day the New York Stock Exchange is open for trading. Payment for net purchases shall be federal funds transmitted by wire by the Company to a custodial account designated by the Funds. Likewise, orders for net redemptions of shares of the Funds will be wired from the Funds' custodial account to an account designated by the Company. Upon receipt by a Fund of the federal funds so wired, for purposes of Section 2.6 such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund.

The Funds shall use reasonable efforts to calculate such net asset value on each day that the New York Stock Exchange is open for trading and to make their net asset values available to the Company by 7 p.m. Eastern Standard time. Notwithstanding the foregoing, the Board of Trustees of the Funds (hereinafter the "Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Board acting in good faith and in light of their fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2. Each Fund, on behalf of its Portfolios, agrees to redeem for cash, on the Company's request, any full or fractional shares of the Portfolios held by the Company, executing such requests on a daily

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basis at the net asset value next computed in accordance with the then current prospectus for the applicable Fund after receipt by the applicable Fund of the request for redemption.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3. The Company agrees that all net amounts available under the Contracts shall be invested in the Portfolios, or in the Company's Accounts, provided that such amounts may also be invested in an investment company other than the Portfolios if (a) such other investment company, or series thereof, has investment objectives or policies that are substantially different from the investment objectives and policies of all the Portfolios; or (b) the Company gives the Underwriter 60 days written notice of its intention to make such other investment company available as a funding vehicle for the Contracts; or (c) such other investment company was available as a funding vehicle for the Contracts prior to the date of this Agreement and the Company so informs the Underwriter prior to their signing this Agreement; or (d) the Underwriter consents to the use of such other investment company, such consent not to be unreasonably withheld. .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4. Issuance and transfer of the Portfolios' shares will be by book entry only. Stock certificates will not be issued to the Company or any Account. Shares ordered from the Portfolios will be recorded in an appropriate title for each Account or the appropriate subaccount of each Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5. The Funds shall furnish same day notice (by wire or telephone, followed by written confirmation) to the Company of any income, dividends or capital gain distributions payable on the Fund's shares. The Company hereby elects to receive all such income dividends and capital gain distributions as are payable on the Portfolio shares in additional shares of that Portfolio. The Company reserves the right to revoke this election and to receive all such income dividends and capital gain distributions in cash. The Funds shall notify the Company of the number of shares so issued as payment of such dividends and distributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6. The Company shall not redeem Fund shares attributable to the Contracts (as opposed to shares attributable to the Company's assets held in the Account) except (i) as necessary to implement Contract Owner or plan participant initiated or approved transactions, or (ii) as required by state and/or federal laws or regulations or judicial or legal precedent of general application (hereinafter referred to as "Legally Required Redemptions"). Upon request, the Company will promptly furnish to the Underwriter the opinion of counsel for the Company (which counsel shall be reasonably satisfactory to the Underwriter) to the effect that any redemption pursuant to clause (ii) above is a Legally Required Redemption. Furthermore, except in cases where permitted under the terms of the Contracts or the plans funded thereby, the Company shall not prevent Contract Owners or plan participants, as the case may be, from allocating payments to a Fund that was otherwise available under the Contracts or the plans, as appropriate, without first giving the Underwriter 90 days notice of its intention to do so.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7. The parties agree that the Contracts are not intended to serve as vehicles for frequent transfers among the Portfolios in response to short-term stock market fluctuations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Accordingly, the Company represents and warrants that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) all purchase and redemption orders it provides under this Article I shall result solely from Contract Owner transactions fully received and recorded by the Company before the time as of which each applicable Fund net asset value was calculated (currently 4:00 p.m. e.s.t);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) it will comply with its policies and procedures designed to prevent excessive trading as approved by the Fund, or will comply with the Fund's policies and procedures regarding excessive trading as set forth in the Fund's prospectus.;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) any annuity contract forms or variable life insurance policy forms not in use at the time of execution of this Agreement, but added to in the future via amendment of Schedule A hereto, will contain language reserving to the Company the right to refuse to accept instructions from persons that engage in market timing or other excessive or disruptive trading activity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Company agrees to provide information requested by Fund, as more fully described in Schedule B of this Agreement, regarding shareholders who hold Portfolio shares directly or indirectly through an account with Company and to execute any instructions from the Fund or its affilates to restrict or or prohibit further purchases or exchanges of Portfolio Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Company agrees to comply with its obligations under applicable anti-money laundering ("AML") laws, rules and regulations, including but not limited to its obligations under the United States Bank Secrecy Act of 1970, as amended (by the USA PATRIOT Act of 2001 and other laws), and the rules, regulations and official guidance issued thereunder (collectively, the "BSA").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. The Company agrees to undertake inquiry and due diligence regarding the customers to whom the Company offers and/or sells Portfolio shares or on whose behalf the Company purchases Portfolio shares. You further represent that the inquiry and due diligence are reasonably designed to determine whether the Company is prohibited from dealing with any such customer by (i) economic sanctions administered by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC") (collectively, the "Sanctions"); or (ii) any of the Special Measures under 31 USC 5318 A of the Bank Secrecy Act ("Special Measures").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. The Company hereby represents, covenants and warrants to the Fund and the Underwriter that neither the Company nor any of the Company's affiliates maintain offices in any country or territory to which any of the Sanctions or Special Measures prohibit the export of financial services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. The Company agrees to notify the Fund and the Underwriter or the Portfolios' transfer agent promptly when and if it learns that the establishment or maintenance of any account holding Portfolio shares or a transaction in Portfolio shares violates any of the Sanctions or Special Measures.

ARTICLE II. <u>Representations and Warranties</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1. The Company represents and warrants that the Contracts are or will be registered under the Securities Act of 1933 ("1933 Act") or are exempt from registration thereof; that the Contracts will be issued and sold in compliance in all material respects with all applicable Federal and State laws and that the sale of the Contracts shall comply in all material respects with state insurance suitability requirements. The Company further represents and warrants that it is an insurance company duly

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organized and in good standing under applicable law and that it has legally and validly established each Account prior to any issuance or sale thereof as a segregated asset account under the insurance laws of the State of New York and that each Account either (1) is or will be registered as a unit investment trust in accordance with the provisions of the Investment Company Act of 1940 ("1940 Act") to serve as a segregated investment account for the Contracts or (2) is both (a) not required to register as an investment company under the 1940 Act, and (b) is not subject to treatment as an investment company for purposes of Section 12(d) of the 1940 Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2. The Underwriter represents that each Fund is currently qualified as a Regulated Investment Company under Subchapter M of the Internal Revenue Code of 1986, as amended, (the "Code") and that it will make every effort to maintain such qualification (under Subchapter M or any successor or similar provision) and that it will notify the Company immediately upon having a reasonable basis for believing that any Fund ceased to so qualify or might not so qualify in the future.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3. The Company represents that the Contracts are currently treated as annuity contracts under applicable provisions of the Code and that it will make every effort to maintain such treatment and that it will notify the Underwriter immediately upon having a reasonable basis for believing that the Contracts have ceased to be so treated or that they might not be so treated in the future.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4. The Underwriter makes no representation as to whether any aspect of any Fund's operations (including, but not limited to, fees and expenses and investment policies) complies with the insurance laws or regulations of the various states.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5. The Underwriter represents and warrants that it is a member in good standing of the FINRA and is registered as a broker-dealer with the SEC. The Underwriter further represents that: (a) it will sell and distribute the Fund shares in accordance with all applicable state and federal securities laws, including without limitation the 1933 Act, the 1934 Act, and the 1940 Act; and (b) the Funds will be registered under the 1933 and 1940 Acts, and duly authorized for issuance in compliance with all applicable federal and state securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.6. The Company represents and warrants that all of its directors, officers, employees, investment advisers, and other individuals/entities dealing with the money and/or securities of the Funds are and shall continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Funds, in an amount not less than the minimum coverage as required currently of entities subject to the requirements of Rule 17g-1 of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid Bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company.

ARTICLE III. <u>Proxy Statements and Voting</u>

3.1. Unless otherwise required or permitted by applicable federal law, the Company will distribute to Contract owners all proxy material furnished by the Funds and will vote Portfolio shares in accordance with instructions received from those Contract owners with Contract values allocated to Portfolio shares. The Company shall vote Portfolio shares for which no instructions have been received in the same

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proportion as shares for which such instructions have been received from Contract owners. The Company and its agents will in no way recommend action in connection with or oppose or interfere with the solicitation of proxies for Portfolio shares held by Contract owners. The Company reserves the right to vote Fund shares held in its segregated asset accounts in its own name to the extent permitted by applicable law.

ARTICLE IV. <u>Sales Material and Information</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1. The Company shall furnish, or shall cause to be furnished, to the Underwriter or its designee, each piece of sales literature or other promotional material in which any Fund or its investment adviser or the Underwriter is named, at least fifteen Business Days prior to its use. No such material shall be used if the Underwriter or its designee objects to such use within fifteen Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2. The Company shall not give any information or make any representations or statements on behalf of any Fund or concerning any Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement or prospectus for such Fund shares, as such registration statement and prospectus may be amended or supplemented from time to time, or in reports or proxy statements for such Fund, or in sales literature or other promotional material approved by the Underwriter or its designee, except with the permission of the Underwriter or its designee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3. Sales literature in which any Fund or its investment advisor is named shall be submitted to the SEC or FINRA for review as required by applicable law. Copies of any comments received shall be sent to the Underwriter or its designee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.4. The Underwriter or its designee shall furnish, or shall cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or any Account is named, at least fifteen Business Days prior to its use. No such material shall be used if the Company or its designee objects to such use within fifteen Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.5. The Underwriter shall not give any information or make any representations on behalf of the Company or concerning the Company, any Account, the Contracts other than the information or representations in sales literature or other promotional material approved by the Company or its designee, except with the permission of the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.6. Upon request and if publicly available, the Company will provide to the Underwriter at least one complete copy of all registration statements, prospectuses, Statements of Additional Information, reports, solicitations for voting instructions, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or any Account, contemporaneously with the filing of such document with the SEC or other regulatory authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.7. For purposes of this Article IV, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media), sales literature (<u>i.e.</u>, any written

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communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, and registration statements, prospectuses, Statements of Additional Information, shareholder reports, and proxy materials.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.8. The Company shall have permission to use the Underwriters name and logo in the marketing of the Fund, provided that the Company has furnished to the Underwriter for review, prior to any use, all materials bearing the name or logo of the Underwriter (collectively "Materials"). The Company shall not use any Materials without receiving prior written approval therefor. If the Company or the Fund makes any unauthorized use of the Underwriters name or logo, the parties acknowledge that the Underwriter and its affiliates would suffer harm for which monetary damage may be inadequate and, thus, the Underwriter or its affiliates shall be entitled to seek equitable relief as well as other applicable remedies under this Agreement or under the law. Notwithstanding the foregoing, the Company may use the Underwriter's name where such use is necessary to make the disclosures contained in the Fund material not misleading and the Company provides the Underwriter with notice of any required disclosure. Furthermore, the parties agree that the Company shall be entitled to use the Underwriter's name when referring to the Underwriter as Fund's investment adviser, as a simple statement of fact without the need to seek the Underwriter's prior written consent. For purposes of this clause, the Underwriter must always be referred to as "FIDELITY DISTRIBUTORS COMPANY LLC". The Underwriter must never be referred to solely as "Fidelity". Upon termination of this Agreement, the Company and the Fund shall immediately cease all use of any Materials bearing the Underwriter's name or logo, and the Company will either provide to the Underwriter all such Materials or certify as to the destruction of all such Materials.

Notwithstanding clause 8.2 of the Agreement, the Company agrees to defend, indemnify and hold harmless the Underwriter (and its affiliates and their respective directors, officers, employees and agents) from and against any and all third party claims, actions, proceedings, judgments, liabilities, damages, losses, costs and expenses (including, without limitation, reasonable legal fees and expenses in relation thereto) directly suffered or incurred by them or any of them, that arise in connection with the Company's use of any of the Underwriter's name or logo.

ARTICLE V. <u>Fees and Expenses</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1. The Underwriter shall pay no fee or other compensation to the Company under this agreement, except that if a Fund or any Portfolio adopts and implements a plan pursuant to Rule 12b-1 to finance distribution expenses, then the Underwriter may make payments to the Company or to the underwriter for the Contracts if and in amounts agreed to by the Underwriter in writing and such payments will be made out of existing fees otherwise payable to the Underwriter, past profits of the Underwriter or other resources available to the Underwriter.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2. Each Fund shall bear the expenses for the cost of registration and qualification of its shares, preparation and filing of its prospectus and registration statement, proxy materials and reports. The Underwriter shall provide to the Company one copy for each Account of each Fund's prospectus, proxy materials and reports. The Company shall provide, at its own expense unless otherwise agreed to in writing by the Company and any affiliate of the Underwriter, a copy of such prospectuses, proxy materials and reports to Contract owners who have allocated a portion of their Contract value to the applicable Fund. In addition, the Company shall not permit any Contract owner to allocate any portion of their Contract value to a Fund unless prior to such allocation such Contract owner has received a copy of the Fund's current prospectus.

ARTICLE VI. <u>Indemnification</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.1. <u>Indemnification by the Company</u>

6.1(a). The Company agrees to indemnify and hold harmless each Fund and each trustee of the Board and officers and each person, if any, who controls any Fund within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for purposes of this Section 6.1) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of any Fund's shares or of the Contracts and arise out of or result from or are based upon:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) any untrue statements or alleged untrue statements of any material fact contained in the Registration Statement or prospectus for the Contracts or contained in the Contracts or sales literature for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of any Fund for use in the Registration Statement or prospectus for the Contracts or in the Contracts or sales literature (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or any Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) statements or representations (other than statements or representations contained in the Registration Statement, prospectus or sales literature of any Fund not supplied by the Company, or persons under its control) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or any Fund Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) untrue statement or alleged untrue statement of a material fact contained in a Registration Statement, prospectus, or sales literature of any Fund or any amendment

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thereof or supplement thereto or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading if such a statement or omission was made in reliance upon information furnished to the Underwriter by or on behalf of the Company; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) material breach of any representation and/or warranty made by the Company in this Agreement or any other material breach of this Agreement by the Company.

6.1(b). The Company shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Company in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify the Company of any such claim shall not relieve the Company from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, the Company shall be entitled to participate, at its own expense, in the defense of such action. The Company also shall be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Company to such party of the Company's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and the Company will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation.

6.1(c). The Indemnified Parties will promptly notify the Company of the commencement of any litigation or proceedings against them in connection with the issuance or sale of any Fund's Shares or the Contracts or the operation of any Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2. <u>Indemnification by the Underwriter</u>

6.2(a). The Underwriter agrees to indemnify and hold harmless the Company and each of its directors and officers and each person, if any, who controls the Company within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for purposes of this Section 6.2) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Underwriter) or litigation (including legal and other expenses) to which the Indemnified Parties may become subject under any statute, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of any Fund's shares or the Contracts and arise out of or result from or are based upon any:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) untrue statement or alleged untrue statement of any material fact contained in the Registration Statement or prospectus or sales literature of any Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the

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alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Underwriter by or on behalf of the Company for use in the Registration Statement or prospectus for any Fund or in sales literature (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or any Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) statements or representations (other than statements or representations contained in the Registration Statement, prospectus or sales literature for the Contracts not supplied by the Underwriter or persons under its control) or wrongful conduct of any Fund, or Underwriter or persons under their control, with respect to the sale or distribution of the Contracts or any Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) untrue statement or alleged untrue statement of a material fact contained in a Registration Statement, prospectus, or sales literature covering the Contracts, or any amendment thereof or supplement thereto, or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statement or statements therein not misleading, if such statement or omission was made in reliance upon information furnished to the Company by or on behalf of any Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) failure by any Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) material breach of any representation and/or warranty made by the Underwriter in this Agreement or any other material breach of this Agreement by the Underwriter.

6.2(b). The Underwriter shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Underwriter in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify the Underwriter of any such claim shall not relieve the Underwriter from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, the Underwriter will be entitled to participate, at its own expense, in the defense thereof. The Underwriter also shall be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Underwriter to such party of the Underwriter's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and the Underwriter will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation.

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6.2(c). The Company agrees promptly to notify the Underwriter of the commencement of any litigation or proceedings against it or any of its officers or directors in connection with the issuance or sale of the Contracts or the operation of any Account insomuch as such litigation or proceeding is in any way related to the Funds.

ARTICLE VII. <u>Applicable Law</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.1. This Agreement shall be construed and the provisions hereof interpreted under and in accordance with the laws of the Commonwealth of Massachusetts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.2. This Agreement shall be subject to the provisions of the 1933, 1934 and 1940 Acts, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the SEC may grant and the terms hereof shall be interpreted and construed in accordance therewith.

ARTICLE VIII. <u>Termination</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.1. This Agreement shall continue in full force and effect until the first to occur of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) termination by any party for any reason on sixty (60) days' advance written notice delivered to the
other parties; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) termination by the Company by written notice to the Underwriter with respect to any Portfolio based upon the
Company's determination that shares of such Portfolio are not reasonably available to meet the requirements of the Contracts; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) termination by the Company by written notice to the Underwriter with respect to any Portfolio in the event any
of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by the
Company; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) termination by the Company by written notice to the Underwriter with respect to any Portfolio in the event that
such Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code or under any successor or similar provision, or if the Company reasonably believes that such Fund may fail to so qualify; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) termination by the Underwriter by written notice to the Company, in its sole judgment exercised in good faith,
that the Company and/or its affiliated companies has suffered a material adverse change in its business, operations, financial condition or prospects since the date of this Agreement or is the subject of material adverse publicity; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) termination by the Company by written notice to the Underwriter, if the Company shall determine, in its sole
judgment exercised in good faith, that the Underwriter has suffered a

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material adverse change in its business, operations, financial condition or prospects since the date of this Agreement or is the subject of material adverse publicity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.2 Notwithstanding any termination of this Agreement, the Underwriter shall, at the option of the Company, continue to make available additional shares of the Funds pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement. The provisions of Articles II (Representations and Warranties), VI (Indemnification), VII (Applicable Law) and X (Miscellaneous), excluding section 10.8, shall survive termination of this Agreement. In addition, all other applicable provisions of this Agreement shall survive termination as long as shares of the Fund are held on behalf of Contract owners in accordance with this section 8.2, except that the Underwriter shall have no further obligation to make Fund shares available in Contracts issued after termination.

ARTICLE IX. <u>Notices</u>

Any notice shall be sufficiently given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other party.

If to the Underwriter:

245 Summer Street

Boston, Massachusetts 02109

Attention: Treasurer

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

ARTICLE X. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.1. Subject to the requirements of legal process and regulatory authority, each party hereto shall treat as confidential the names and addresses of the owners of the Contracts and all information

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reasonably identified as confidential in writing by any other party hereto and, except as permitted by this Agreement, shall not disclose, disseminate or utilize such names and addresses and other confidential information without the express written consent of the affected party until after such time, if any, as it has come into the public domain.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.2. The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.3. This Agreement may be executed simultaneously in two or more counterparts, each of which taken together shall constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.4. If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement shall not be affected thereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.5. Each party hereto shall cooperate with each other party and all appropriate governmental authorities (including without limitation the SEC, the FINRA and state insurance regulators) and shall permit such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.6. The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.7. This Agreement or any of the rights and obligations hereunder may not be assigned by any party without the prior written consent of all parties hereto; provided, however, that the Underwriter may assign this Agreement or any rights or obligations hereunder to any affiliate of or company under common control with the Underwriter, if such assignee is duly licensed and registered to perform the obligations of the Underwriter under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.8. The Company shall furnish, or shall cause to be furnished, to the Fund or its designee copies of the following reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Company's annual statement (prepared under statutory accounting principles) and annual report
(prepared under generally accepted accounting principles ("GAAP")), which may be the report of the Company's publicly-traded parent company if the Company is not itself a publicly-traded company, as soon as practical and in any event
within 90 days after the end of each fiscal year;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Company's quarterly statements (statutory and GAAP), as soon as practical and in any event within 45
days after the end of each quarterly period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) any financial statement, proxy statement, notice or report of the Company sent to stockholders and/ or
policyholders, as soon as practical after the delivery thereof to stockholders;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) any registration statement (without exhibits) and financial reports of the Company filed with the Securities
and Exchange Commission or any state insurance regulator, as soon as practical after the filing thereof;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) any other nonconfidential report submitted to the Company by independent accountants in connection with any
annual, interim or special audit made by them of the books of the Company, as soon as practical after the receipt thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.9 All persons dealing with any Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the Board, officers, agents or shareholders of any Fund assume any personal liability for obligations entered into or on behalf of the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.10 In the event of a conflict between the terms of this Agreement and the prospectus for any Fund set forth on Schedule A hereto (as amended from time to time), the terms of the prospectus for the applicable Fund shall govern.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and on its behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

THE UNITED STATES LIFF INSURANCE

COMPANY IN THE CITY OF NEW YORK

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| | |
|:---|:---|
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |
| Date: |  |
| FIDELITY DISTRIBUTORS COMPANY LLC | FIDELITY DISTRIBUTORS COMPANY LLC |
| By: | /s/ Robert Bachman |
| Name: | Robert Bachman |
| Title: | EVP |
| Date: | 3/11/2025 \| 09:01:16 AM EDT |

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SCHEDULE A

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| | | |
|:---|:---|:---|
| Name and Date of | Policy Form Numbers of Contracts | Corresponding |
| Mutual |  |  |
| <u>Formation of Separate Account</u> | <u>Issued Through Separate Account</u> | <u>Fund or Fund</u> |
| <u>Portfolio</u> |  |  |

---

The United States Life Insurance Company in the City of New York - USL Separate Account RS

------

**Schedule B** 

**Rule 22c-2 Agreement** 

1. **Agreement to Provide Information.** You agree to provide the Portfolios listed on Schedule A and Schedule
B of the Selling Dealer Agreement appended hereto, upon written request, the taxpayer identification number ("TIN"), if known, of any or all Shareholder(s) of the account and the amount, date, name or other identifier of any investment
professional(s) associated with the Shareholder(s) or account (if known), and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an account maintained by you
during the period covered by the request.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Period Covered by Request.** The Portfolio will request information pursuant to Section 1 of this
Schedule D which sets forth a specific period for which transaction information is sought. The Portfolio may request transaction information as it deems necessary to investigate compliance with policies established by the Portfolio for the purpose
of eliminating or reducing any dilution of the value of the outstanding shares issued by the Portfolio.

Unless otherwise directed by the Portfolio, you agree to provide the information specified in Section 1 of this Schedule D for each trading day.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Form and Timing of Response.** You agree to transmit the requested information that is on your books and
records to the Portfolio or its designee promptly, but in any event not later than five business days, after receipt of a request. If the requested information is not on your books and records, you agree to: (i) provide or arrange to provide to
the Portfolio the requested information from shareholders who hold an account with an indirect intermediary; or; (ii) if directed by the Portfolio, block further purchases of Portfolio Shares from such indirect intermediary. In such instance,
you agree to inform the Portfolio whether you plan to perform (i) or (ii). Responses required by this paragraph must be communicated in writing and in a format mutually agreed upon by the parties. To the extent practicable, the format for any
transaction information provided to the Portfolio should be consistent with the NSCC Standardized Data Reporting Format. For purposes of this provision, an "indirect intermediary" has the same meaning as in SEC Rule 22c-2 under the Investment Company Act of 1940.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Limitations on Use of Information.** The Portfolio agrees not to use the information received for
marketing or any other similar purpose without your prior written consent *.* 

------

2. **Agreement to Restrict Trading.** You agree to execute written instructions from the Portfolio to restrict
or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Portfolio as having engaged in transactions of the Portfolio's Shares (directly or indirectly through your account) that violate policies
established by the Portfolio for the purpose of eliminating or reducing any dilution of the value of the outstanding Shares issued by the Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Form of Instructions.** Instructions from the Portfolio pursuant to Section 2 of this Schedule D will
include the TIN, if known, and the specific restriction(s) to be executed. If the TIN is not known, the instructions will include an equivalent identifying number of the Shareholder(s) or account(s) or other agreed upon information to which the
instruction relates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Timing of Response.** You agree to execute instructions as soon as reasonably practicable, but not later
than five business days after receipt of the instructions by you.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Confirmation by the Intermediary.** You must provide written confirmation to the Portfolio that
instructions have been executed. You agree to provide confirmation as soon as reasonably practicable, but not later than five business days after the instructions have been executed.

3. **Definitions.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The term "Portfolio" includes the Portfolio's principal underwriter, transfer agent or other
designated affiliates. The term does not include any "excepted funds" as defined in SEC Rule 22c-2(b) under the Investment Company Act of 1940.<sup>1</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by the Portfolio under the Investment Company Act of 1940 that are held by you.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The term "Shareholder" means the beneficial owner of Shares, whether the Shares are held directly or
by you in nominee name, a plan participant notwithstanding that the Plan may be deemed to be the beneficial owner of Shares, or a holder of interests in a variable annuity or variable life insurance contract issued by the intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. The term "written" includes electronic writings and facsimile transmissions.

<sup>1</sup> As defined in SEC Rule 22c-2(b), the term "excepted Fund" means any: (1) money market Fund; (2) Fund that issues securities that are listed on a national exchange; and (3) Fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently discloses that the Fund permits short-term trading of its securities and that such trading may result in additional costs for the Fund.

## Ex-99.(H)(3)(Ii)

**AMENDMENT TO PARTICIPATION AGREEMENT** 

This amendment to the Participation Agreement ("Amendment") is effective as of 31<sup>st</sup> day of March, 2025 and amendment the Participation Agreement between THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK (the "Company") and FIDELITY DISTRIBUTORS COMPANY LLC (the "Underwriter") dated March 7, 2025 (the "Agreement").

**WHEREAS**, pursuant to the terms of the Agreement, Company and Underwriter may amend the Schedule A of the Agreement by written mutual consent,

**WHEREAS**, Company and Underwriter desire to amend Schedule A of the Agreement via this Amendment,

**NOW, THEREFORE**, in consideration of the foregoing and the mutual promises set forth below, Company and Underwriter agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;1. Schedule A to the Agreement shall be deleted in its entirety and replaced with the Schedule A attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;2. Except as specifically provided herein, all other provisions of the Agreement shall remain in full force and
effect

**IN WITNESS WHEREOF**, Company and Underwriter have executed this Amendment as of the date first written above.

**THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK**

---

| | |
|:---|:---|
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |

---

---

| | |
|:---|:---|
| **FIDELITY DISTRIBUTORS COMPANY LLC** | **FIDELITY DISTRIBUTORS COMPANY LLC** |
| By: | /s/ Robert Bachman |
| Name: | Robert Bachman |
| Title: | EVP |
| Date: | 4/1/2025 \| 09:42:53 AM EDT |

---

------

SCHEDULE A

**<u>Funds/Portfolios Covered by the Agreement</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**Fund/Portfolio Name** | **Symbol** |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> 500 Index | FXAIX |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> Mid Cap Index | FSMDX |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> Small Cap Index | FSSNX |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> Total International Index | FTIHX |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> US Bond Index | FXNAX |
| &nbsp;&nbsp;&nbsp;Fidelity<sup>®</sup> Inflation Protected Bond Index | FIPDX |

---

**<u>Name and Formation Date of Applicable Separate Account</u>**

USL Separate Account RS

Established on June 14, 2024 under New York Insurance law

**<u>Name(s) of Annuity Contracts Offered by the Company</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Annuity Name** | **Series** | **1933 Act No.** |
| &nbsp;&nbsp;&nbsp;Portfolio Director NY | 1.00 – 12.00 | 333-283464 |
| &nbsp;&nbsp;&nbsp;Portfolio Director NY | 1.20 – 12.20 | 333-283465 |
| &nbsp;&nbsp;&nbsp;Portfolio Director NY | 1.40 – 12.40 | 333-283466 |
| &nbsp;&nbsp;&nbsp;Portfolio Director NY | 1.60 – 12.60 | 333-283467 |
| &nbsp;&nbsp;&nbsp;Portfolio Director NY | 1.80 – 12.80 | 333-283468 |
| &nbsp;&nbsp;&nbsp;Portfolio Director<sup>®</sup> NY SP | 11.80 | 333-283470 |

---

## Ex-99.(H)(3)(Iii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of March 7, 2025, is by and between Fidelity Investments Institutional Operations Company LLC ("FIIOC"), organized under the laws of Massachusetts and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, the Fidelity Advisor Funds (collectively the "Funds") are registered with the Securities and Exchange Commission ("SEC") as an open-end management investment companies under the Investment Company Act of 1940, as amended (the "Act") that offers several series for which FIIOC, a registered transfer agent or sub-transfer agent of the Funds, serves as the transfer agent; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with the Fund (the "Participation Agreement"), pursuant to which the Funds has agreed to make shares of the separate series or classes of the Funds (the "Shares") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, FIIOC desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Funds in connection with the Series, [the shares of which are beneficially owned by Contract owners]; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth; and

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. If FIIOC agrees to pay Company a fee, the fee will be equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified in Schedule I

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Company</u> <u>not</u><u> </u><u>an</u><u> </u><u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for FIIOC or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Written</u><u> </u><u>Reports.</u> The Company will provide FIIOC with such information as FIIOC may reasonably request and will cooperate with and assist FIIOC in the preparation of reports, if any, to be furnished to the Board of the Funds in conjunction with the Contracts or other aspects of the Funds concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Termination.</u> With respect to any Separate Account and the Funds or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 180 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Funds or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Funds or Series for as long as assets of such Funds or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Funds or Series. Upon redemption of such assets, and provided that the Funds no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless FIIOC and its officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

FIIOC agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with

------

the written consent of FIIOC) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by FIIOC under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u><u> </u><u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party, except that FIIOC may assign its rights, obligations and liabilities to a successor upon notice to the Company. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to FIIOC:

Fidelity Investments Operations Company LLC

500 Salem St., Smithfield RI 02917

Attn: Contracts Management

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any

------

previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Funds available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

------

IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE** | **THE UNITED STATES LIFE INSURANCE** |
| **COMPANY IN THE CITY OF NEW YORK** | **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case |
|  | Development |
| **FIDELITY INVESTMENTS INSTITUTIONAL** | **FIDELITY INVESTMENTS INSTITUTIONAL** |
| **OPERATIONS COMPANY LLC** | **OPERATIONS COMPANY LLC** |
| By: | /s/ Robert Bachman |
|  | Name: Robert Bachman |
|  | Title: EVP |

---

------

**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of March 7, 2025, except as otherwise indicated below)

---

| | | |
|:---|:---|:---|
| Separate Account | Series Name | Fee |
| USL Separate | All series of the Fund | 0bps |
| Account RS |  |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Funds' transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Funds of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Funds of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to FIIOC in relation to trading activity, compliance with the terms
of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Funds proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Funds as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

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<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract values
allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Funds);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(4)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 24th day of April 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); Franklin Value Investors Trust, an open-end management investment company organized under the laws of Delaware (the "Fund"); Franklin Mutual Advisers, LLC, a limited liability corporation organized under the laws of the Delaware and investment adviser to the Fund (the "Adviser"); and Franklin Distributors, LLC, a limited liability corporation organized under the laws of Delaware and principal underwriter/distributor of the Fund (the "Distributor").

WHEREAS, the Fund engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Fund agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order by 9:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC").

1.2 The Fund agrees to redeem, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee of the Fund

------

for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption by 9:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the

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next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of the Fund (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus to the extent not inconsistent with the terms and conditions of this Agreement.

1.8 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. If the Fund provides the Company materially incorrect net asset value per share information (as determined under SEC guidelines), the Fund shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share, and the Distributor shall bear the cost of correcting such errors. Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Fund.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good

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standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.2 The Fund and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.3 The Fund currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Fund undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Fund and Adviser represent and warrant that the Fund is lawfully organized and validly existing under the laws of the State of Delaware and that the Fund does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Fund and Adviser represent and warrant that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Fund and Adviser represent and warrant that all of the Fund's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of

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its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Fund and Adviser represent and warrant that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Fund and Adviser represent and warrant that the Fund is and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund will timely provide the Company with as many copies of the current Fund prospectus (describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s).

4.2 The Fund on behalf of one or more Designated Portfolios will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Fund agrees that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Fund with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior

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written notice of its intent to terminate use of the summary prospectuses.

4.5 The Fund shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Fund shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Fund shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall make available such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Fund shall provide the Fund Documents specified in Sections [4.10(a), (b), and (c)] above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section [4.10(d)] above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall make available the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall make available such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 The Fund shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner

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consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders, and in particular, the Fund either will provide for annual meetings (except insofar as the Commission may interpret Section 16 of the 1940 Act not to require such meetings) or, as the Fund currently intends, to comply with Section 16(c) of the 1940 Act (although the Fund is not one of the trusts described in Section 16(c) of the 1940 Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Fund will act in accordance with the Commission's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the Commission may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund or the Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund and the Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 The Fund will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that

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relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund and Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Fund and Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund and Adviser will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Fund, the Adviser and the Distributor hereby consent to the Company's use of the names of the Fund, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to its names and marks, including but not limited FRANKLIN, FRANKLIN TEMPLETON, and Franklin Templeton logos, and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such names or designs, or the validity or distinctiveness thereof. The Fund, the Adviser and the Distributor hereby consent to the use of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Fund's, the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Fund, the Adviser or the Distributor. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Fund, Adviser and/or the Distributor.

5.10 The Fund, the Adviser, the Distributor and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Fund, the Adviser or the Distributor, respectively, and their respective affiliated companies, that is intended for use only by brokers

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or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Fund will pay no fee or other compensation to the Company under this Agreement.

6.2 All expenses incident to performance by the Fund of this Agreement will be paid or cause to be paid by the Fund to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), [as well as the Contract owners number or participant account number associated with the Shareholder, if known,] of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). [It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.]

Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than [180 days] prior to the day Company received the Request. The Fund may request Transaction Information older than [180 days] from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes

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all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Fund; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be by secure email or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Fund; and (iv) are received by Company. Upon request of the Company, the Fund agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via secure email as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

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(a) The Company agrees to indemnify and hold harmless the Fund, the Adviser, the Distributor, and each person, if any, who controls the Fund, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

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(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor jointly and severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or wrongful conduct of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser, Distributor, or Fund to provide the services and furnish the materials under the terms of this Agreement; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser, Distributor or the Fund in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser, Distributor or the Fund;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser and the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

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ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith

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believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

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2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Fund:

Franklin Distributors, LLC

Attn: Legal Dept./Todd Lebo

100 First Stamford Place, 6<sup>th</sup> Floor

Stamford, CT 06902

Email: todd.lebo@franklintempleton.com

If to the Adviser:

Franklin Distributors, LLC

Attn: Legal Dept./Todd Lebo

100 First Stamford Place, 6<sup>th</sup> Floor

Stamford, CT 06902

Email: todd.lebo@franklintempleton.com

If to the Distributor:

Franklin Distributors, LLC

Attn: Intermediary Client Onboarding

100 First Stamford Place, 5<sup>th</sup> Floor

Stamford, CT 06902

Email: us_ico@franklintempleton.com

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

[12.2 The Fund and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Fund and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Fund or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Fund or the Adviser, the Fund and

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the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law or judicial process. The Fund and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.]

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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| | |
|:---|:---|
| FRANKLIN VALUE INVESTORS TRUST | FRANKLIN VALUE INVESTORS TRUST |
| By: | /s/ Marc De Oliveira |

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Name: Marc De Oliveira

Title: Vice President and Assistant Secretary

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| | |
|:---|:---|
| FRANKLIN MUTUAL ADVISERS, LLC | FRANKLIN MUTUAL ADVISERS, LLC |
| By: | /s/ Thomas C. Mandia |

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Name: Thomas C. Mandia

Title: Secretary

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| | |
|:---|:---|
| FRANKLIN DISTRIBUTORS, LLC | FRANKLIN DISTRIBUTORS, LLC |
| By: | /s/ Robert Smith |

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Name: Robert Smith

Title: Head of Business Administration

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| | |
|:---|:---|
| THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK |
| By: | /s/ Barbara Rayll |

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Name: Barbara Rayll

Title: Vice President, Business Case Development

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Exhibit A

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

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| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

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\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

Please provide the following information about the Contract to be restricted:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |

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Please provide the following information about the Portfolio to be restricted:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |

---

Please provide the following information about the time period for which trading should be restricted:

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

Franklin Small Cap Value Fund – Class R6

## Ex-99.(H)(4)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of April 24<sup>th</sup>, 2025, is by and between FRANKLIN DISTRIBUTORS, LLC ("Distributor"), organized under the laws of Delaware and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, Franklin Value Investors Trust (the "Fund") is registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "Act") that offers several series for which Franklin Mutual Advisers, LLC, a registered investment adviser under the Investment Advisers Act of 1940, as amended serves as the investment adviser; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with the Fund (the "Fund Participation Agreement"), pursuant to which the Fund has agreed to make shares of its series (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, the Distributor desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund in connection with the Series, [the shares of which are beneficially owned by Contract owners]; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

WHEREAS, the Company expects that the Fund and its Series can derive certain benefits from the Company's performance of the Services.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. The Distributor agrees to pay or cause to be paid to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate

------

Accounts as specified in Schedule I. Such fee shall be accrued monthly based on average daily net assets and paid on a quarterly basis. The Distributor shall make such payment to the Company, without demand or notice by the Company, within 30 days after the end of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature of Payments.</u> The Parties agree that the Distributor's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses. The Distributor shall make the payments to the Company from the Distributor's own resources, including, but not limited to, profits earned under its Investment Advisory and Management Agreement with the Fund. Nothing herein shall preclude the Fund from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the Act for the services described therein or pursuant to agreements otherwise approved by the Fund's board of directors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company</u><u> </u><u>not</u><u> </u><u>an</u><u> </u><u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Distributor or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written</u><u> </u><u>Reports.</u> The Company will provide the Distributor with such information as the Distributor may reasonably request and will cooperate with and assist the Distributor in the preparation of reports, if any, to be furnished to the Fund Board of the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination.</u> With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 180 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Fund Participation Agreement upon termination of such Fund Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Fund Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Fund Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless the Distributor and its officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

The Distributor agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Distributor) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by the Distributor under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u><u> </u><u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

------

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Distributor

Franklin Distributors, LLC

Attn: Intermediary Client Onboarding

100 First Stamford Place, 5<sup>th</sup> Floor

Stamford, CT 06902

Email: us_ico@franklintempleton.com

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Fund Participation Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

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IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE** | **THE UNITED STATES LIFE INSURANCE** |
| **COMPANY IN THE CITY OF NEW YORK** | **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case Development |
| **FRANKLIN DISTRIBUTORS, LLC** | **FRANKLIN DISTRIBUTORS, LLC** |
| By: | /s/ Robert Smith |
|  | Name: Robert Smith |
|  | Title: Head of Business Administration |

---

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**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of May 1, 2025 except as otherwise indicated below)

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| | | |
|:---|:---|:---|
| Separate Account | Series Name | Fee |
| USL Separate | Franklin Small Cap Value Fund – | 0bps |
| Account RS | Class R6 |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to the Fund and its Boards of Directors, in relation to trading
activity, compliance with the terms of the Fund Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

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<u>Shareholder services</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract values
allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or expenses
solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(5)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 28th day of March, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); Impax Funds Series Trust I and Impax Funds Series Trust III, business trusts organized under the laws of Massachusetts (the "Fund"); Impax Asset Management LLC., a corporation organized under the laws of the Delaware and investment adviser to the Fund (the "Adviser"); and Foreside Financial Services, LLC, a corporation organized under the laws of Delaware and principal underwriter/distributor of the Fund (the "Distributor").

WHEREAS, the Fund engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Fund agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC").

1.2 The Fund agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the

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designee of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the

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next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Directors of the Fund (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus to the extent not inconsistent with the terms and conditions of this Agreement.

1.8 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. In the event that the Fund is unable to meet the 6:00 p.m. time stated herein, it shall provide additional time for the Company to place orders for the purchase and redemption of Fund shares and wire net payments for the purchase of Fund shares. Such additional time shall be equal to the additional time which the Fund takes to make the net asset value available to the Company. If the Fund provides the Company materially incorrect net asset value per share information (as determined under SEC guidelines), the Fund shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share, and the Fund shall bear the cost of correcting such errors and shall reimburse the Company for any expenses incurred related to correction of the net asset value (including correcting Contract owner accounts). Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Fund.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

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2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.2 The Fund and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.3 The Fund currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Fund undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Fund and Adviser represent and warrant that the Fund is lawfully organized and validly existing under the laws of the State of Massachusetts and that the Fund does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Fund and Adviser represent and warrant that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Fund and Adviser represent and warrant that all of the Fund's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable

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anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Fund and Adviser represent and warrant that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Fund and Adviser represents and warrants that the Fund is and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund will timely provide the Company with as many copies of the current Fund prospectus (describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s).

4.2 The Fund on behalf of one or more Designated Portfolios will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

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4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Fund agrees that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Fund with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 The Fund shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Fund shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Fund shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Fund shall provide the Fund Documents specified in Sections 4.10(a), (b), and (c) above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section 4.10(d) above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

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4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 The Fund shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from
Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions

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have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders, and in particular, the Fund either will provide for annual meetings (except insofar as the Commission may interpret Section 16 of the 1940 Act not to require such meetings) or, as the Fund currently intends, to comply with Section 16(c) of the 1940 Act (although the Fund is not one of the trusts described in Section 16(c) of the 1940 Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Fund will act in accordance with the Commission's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the Commission may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 The Fund will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications

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for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Fund will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Fund, the Adviser and the Distributor hereby consent to the Company's use of the names of the Fund, Adviser and Distributor (solely to indicate that it is serving as the Fund's underwriter), as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the name Impax, and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Fund, the Adviser and the Distributor hereby consent to the use of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Fund's, the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Fund, the Adviser or the Distributor. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal

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of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Fund, Adviser and/or the Distributor.

5.10 The Fund, and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company and the Fund, respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Fund will pay no fee or other compensation to the Company under this Agreement, except as provided below: (a) if the Fund or any Designated Portfolio adopts and implements a plan pursuant to Rule 12b-1 under the 1940 Act to finance distribution and shareholder servicing expenses, then, subject to obtaining any required exemptive orders or other regulatory approvals, the Fund may make payments to the Company or to the underwriter for the Contracts if and in such amounts agreed to by the Fund in writing; (b) the Fund may pay fees to the Company for administrative services provided to Contract owners that are not primarily intended to result in the sale of shares of the Designated Portfolio or of underlying Contracts as separately agreed to in writing.

6.2 All expenses incident to performance by the Fund of this Agreement will be paid by the Fund to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), as well as the Contract owners number or participant account number associated with the Shareholder, if known, of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

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Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than 180 days prior to the day Company received the Request. The Fund may request Transaction Information older than 180 days from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Fund; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Fund; and (iv) are received by Company. Upon request of the Company, the Fund agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

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7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Fund, the Adviser, the Distributor, and each person, if any, who controls the Fund, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company or its designee; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor (for Distributor, solely with respect to 2, 4 and 5 below) severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser or persons under the control of the Adviser or Distributor respectively) or wrongful conduct of the Adviser or the Distributor or persons under the control of the Adviser or the Distributor respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser or persons under the control of the Adviser; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser or Distributor to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser or the Distributor in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser or the Distributor;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION BY THE FUND

(a) The Fund agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.3) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Fund) or action in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements, are related to the sale, acquisition, or holding of the Fund shares or the Contracts, or operations of the Fund and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission of such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts or of the Fund, or any amendment or supplement to the foregoing, not supplied by the Fund or persons under the control of the Fund respectively) or wrongful conduct of the Distributor or the Fund or persons under the control of the Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund or persons under the control of the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Fund in this Agreement or arise out of or result from any other material breach of this Agreement by the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) arise out of or result from the incorrect or untimely calculation or reporting of daily net asset value per share or dividend or capital gain distribution rate;

except to the extent provided in Sections 8.3(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Fund otherwise may have.

(b) No party will be entitled to indemnification under Section 8.3(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations and duties under this Agreement.

(b) The Indemnified Parties will promptly notify the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the

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failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon three (3) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

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(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this

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Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u> 

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u> 

If to the Fund:

Impax Funds Series Trust I and Impax Funds Series Trust III

30 Penhallow Street, Suite 100

Portsmouth, NH 03801

If to the Adviser:

Impax Asset Management LLC

30 Penhallow Street, Suite 100

Portsmouth, NH 03801

Email: <u>fundservices@impaxam.com</u> 

If to the Distributor:

Foreside Financial Services, LLC

Three Canal Plaza, Suite 100

Portland, Maine 04101

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Email: legal@acaglobal.com.com

With a copy to: dealerservices@acaglobal.com.com

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

12.2 The Fund and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Fund and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Fund or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Fund or the Adviser, the Fund and the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law or judicial process. The Fund and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any

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investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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| | |
|:---|:---|
| IMPAX FUNDS SERIES TRUST I AND IMPAX FUNDS SERIES TRUST III | IMPAX FUNDS SERIES TRUST I AND IMPAX FUNDS SERIES TRUST III |
| By: | /s/ Ed Farrington |
| Name: | Ed Farrington |
| Title: | President |
| Date: | April 1, 2025 |
| IMPAX ASSET MANAGEMENT LLC | IMPAX ASSET MANAGEMENT LLC |
| By: | /s/ Ed Farrington |
| Name: | Ed Farrington |
| Title: | President |
| Date: | April 1, 2025 |
| FORESIDE FINANCIAL SERVICES, LLC | FORESIDE FINANCIAL SERVICES, LLC |
| By: | /s/ Teresa Cowan |
| Name: | Teresa Cowan |
| Title: | President |
| Date: | April 2, 2025 |
| THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK |
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |
| Date: | April 9, 2025 |

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Exhibit A

**Request for Information Form** 

We hereby request that The United States Life Insurance Company in the City of New York provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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| |
|:---|
|  Contract Number\* |
|  And |
|  Tax Identification Number\*\*: |
|  Fund Name: |
|  Portfolio Name: |
|  Portfolio Manager: |
|  Covered Period\*\*\*: |

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| |
|:---|
|  Requesting Person\*\*\*\*: |
|  Signature: |
|  Date: |
|  Telephone Number: |
|  Facsimile Number: |

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\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com,</u>** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

The United States Life Insurance Company in the City of New York is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

Please provide the following information about the Contract to be restricted:

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| |
|:---|
| Contract Number\* |
| And |
| Tax Identification Number\*\*: |

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Please provide the following information about the Portfolio to be restricted:

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| |
|:---|
|  Fund Name: |
|  Portfolio Name: |
|  Portfolio Manager: |

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Please provide the following information about the time period for which trading should be restricted:

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| |
|:---|
|  Start Date\*\*\*: |
|  End Date: |

---

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| |
|:---|
|  Requesting Person\*\*\*\*: |
|  Signature: |
|  Date: |
|  Telephone Number: |
|  Facsimile Number: |

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\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

All Impax Funds within the Impax Funds Series Trust I and Impax Funds Series Trust III as covered under the current applicable prospectuses and any future versions thereof.

## Ex-99.(H)(5)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of March 28th, 2025, is by and between Impax Funds Series Trust I and Impax Funds Series Trust III, Massachusetts business trusts ("IMPAX") and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, IMPAX is registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "Act") that offers several series for which Impax Asset Management LLC ("Adviser"), a registered investment adviser under the Investment Advisers Act of 1940, serves as the investment adviser; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with the Fund (the "Participation Agreement"), pursuant to which the Fund has agreed to make shares of its series (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, the Company agrees to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund in connection with the Series, [the shares of which are beneficially owned by Contract owners; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

WHEREAS, the Company expects that the Fund and its Series can derive certain benefits from the Company's performance of the Services.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. IMPAX agrees to pay to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified in

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Schedule I. Such fee shall be accrued monthly based on average daily net assets and paid on a quarterly basis. IMPAX shall make such payment to the Company, without demand or notice by the Company, within 30 days after the end of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature</u><u> </u><u>of</u> <u>Payments.</u> The Parties agree that the IMPAX's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses. The IMPAX shall make the payments to the Company from the IMPAX's own resources, including, but not limited to, profits earned under its Investment Advisory and Management Agreement with the Fund. Nothing herein shall preclude the Adviser from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the Act for the services described therein or pursuant to agreements otherwise approved by IMPAX's board of directors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company</u><u> </u><u>not</u><u> </u><u>an</u><u> </u><u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Adviser or IMPAX.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written Reports.</u> The Company will provide IMPAX with such information as IMPAX may reasonably request and will cooperate with and assist IMPAX in the preparation of reports, if any, to be furnished to the Directors of the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination.</u> With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 180 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless IMPAX and its officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company in materially breach of this Agreement.

IMPAX agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of IMPAX) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by IMPAX in material breach of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u> <u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

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21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Adviser:

Impax Asset Management LLC 30

Penhallow Street, Suite 100

Portsmouth, NH 03801

Email: <u>fundservices@impaxam.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

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IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

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| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE** | **THE UNITED STATES LIFE INSURANCE** |
| **COMPANY IN THE CITY OF NEW YORK** | **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case Development |
|  | Date: April 9, 2025 |
| **IMPAX FUNDS SERIES TRUST I and** | **IMPAX FUNDS SERIES TRUST I and** |
| **IMPAX FUNDS SERIES TRUST III** | **IMPAX FUNDS SERIES TRUST III** |
| By: | /s/ Ed Farrington |
|  | Name: Ed Farrington |
|  | Title: President |
|  | Date: April 1, 2025 |

---

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**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of March 28th, 2025 except as otherwise indicated below)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; Separate Account | Share Class | Fee |
| &nbsp;&nbsp;&nbsp;USL Separate Account RS | Investor Class | 15bps |
| &nbsp;&nbsp;&nbsp;USL Separate Account RS | Class A | 15bps |
| &nbsp;&nbsp;&nbsp;USL Separate Account RS | Institutional |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to the Fund and its Boards of Directors, in relation to trading
activity, compliance with the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

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<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract values
allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or expenses
solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(6)(I)

TRUST PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 1st day of June, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); JPMorgan Trust II, an open-end management investment company organized under the laws of the State of Delaware (the "Trust"); J.P. Morgan Investment Management Inc., a corporation organized under the laws of the State of Delaware and investment adviser to the Trust (the "Adviser"); and JPMorgan Distribution Services, Inc., a corporation organized under the laws of the State of Delaware and principal underwriter/distributor of the Trust (the "Distributor").

WHEREAS, the Trust engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Trust are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (each, a "Portfolio" and together, the "Portfolios") and such shares are issued to the general public and are not solely available for purchase by insurance company separate accounts; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered to plans that meet the requirements for qualification under Section 401 of the Internal Revenue Code of 1986, as amended as set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York and are exempt from registration with the United States Securities and Exchange Commission (the "Commission" or "SEC"), to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts; and

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Trust, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF TRUST SHARES

1.1 The Trust agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value next computed after receipt by the Trust or its designee of the order for the shares of the Designated Portfolio in accordance with the Trust's registration statement and the Service Agreement entered into between the Company and Distributor (the "Service Agreement"). For purposes of this Section 1.1, the Company will be the designee of the Trust for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Trust; provided that purchase orders are received in accordance with the Trust's registration statement and the Service Agreement. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Trust calculates the Designated Portfolio's net asset value pursuant to the rules of the SEC and the Trust's registration statement.

1.2 The Trust agrees to redeem for cash or, upon the Company's request, in-kind, in accordance with the

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Trust's then effective redemption-in-kind procedures and registration statement, any full or fractional shares of the Designated Portfolio held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Trust or its agent of the request for redemption in accordance with the Trust's registration statement and the Service Agreement. For purposes of this Section 1.2, the Company will be the designee of the Trust for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Trust; provided that redemption requests are received by the Trust **in** accordance with the Trust's registration statement and the Service Agreement. After consulting with the Company, the Trust reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Trust in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Trust/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Trust Settlement, Entry and Registration Verification ("Trust/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Trust or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Trust or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Trust/SERV, the Mutual Trust Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Trust or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Trust, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Trust will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Trust/SERV, if there are technical problems with Trust/SERV, or if the parties are not able to transmit or receive information through Trust/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption

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orders for each Account received by the Company in good form on such Business Day. The Company will place one net purchase and redemption order for each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to the Trust or its designated custodial account (by 2:00 pm EST) on the same Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof. Upon receipt by the Trust of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Trust. In the event of net redemptions, the Trust shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Trust and shall become the responsibility of the Company.

1.4 The Trust agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Trust calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Trust shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Trustees of the Trust (the "Trust Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Trust Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Trust in accordance with the provisions of such prospectus.

1.8 Issuance and transfer of the Trust's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Trust shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Trust or its designee will use its best efforts to furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash by providing proper notice to the Trust. The Trust will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Trust or its designee will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 7:30 p.m., Eastern Time, each Business Day. If the Trust or its designee provides the Company materially incorrect net asset value per share information through no fault of the Company, the Trust or its designee shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share. The determination of the materiality of any net asset value pricing error shall be based on the Trust's policy for correction of pricing errors (the "Pricing Policy") and in accordance with applicable SEC guidelines. The cost of correcting any such errors shall be borne by the Adviser. Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Trust.

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ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be so registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is exempt from registration or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and, to the extent applicable, the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, **in** compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.2 The Trust and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Trust is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Trust will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Trust will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Trust.

2.3 The Trust currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") being offered to the Accounts shall make payments primarily intended to result in the sale of shares of the Designated Portfolio(s), including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-l under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of a Designated Portfolio finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Trust undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Trust and Adviser represent and warrant that the Trust is lawfully organized and validly existing under the laws of the State of Delaware and that the Trust does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Trust and Adviser represent and warrant that the Trust's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Trust and Adviser represent and warrant that all of the Trust's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Trust are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Trust in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940

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Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Trust is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Trust further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Trust in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Trust and that it will perform its obligations for the Trust in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: TRUST COMPLIANCE

3.1 The Trust and Adviser represent and warrant that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they intend to maintain such qualification (under Subchapter Mor any successor or similar provision), and that they will notify the Company within a commercially reasonable period of time, if in the future, upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify.

3.2 The Trust and Adviser represent and warrant that the Trust is in and shall maintain compliance with Rule 38a-l under the 1940 Act and Adviser represents and warrants that the Adviser is in and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Trust will timely provide the Company with as many copies of the current Designated Portfolio's summary prospectus and any supplements thereto as the Company may reasonably request for distribution, at the Trust's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Trust, the Trust shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s). The Trust represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios. To the extent requested by a Contract owner, the Trust will provide copies of the statutory prospectus to the Company for distribution.

4.2 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements

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on its website will at all times comply with the requirements of Rule 498. The Trust, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.3 To the extent the Trust discontinues use of the summary prospectus, the Trust will require the Company to terminate the use of the summary prospectuses. However, the Trust agrees to provide the Company with at least ninety (90) days' prior written notice.

4.4 The Trust shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-l ("Rule 30e-l") under the 1940 Act and Item 27A(i) of Form **N-lA** (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders *(i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.5 The Trust shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e- l, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.6 The Trust shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Trust shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all applicable rules and
regulations under those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.7 The Trust, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly.

4.8 Alternatively, if requested by the Company in lieu thereof, the Trust or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-l, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Trust.

4.9 The Trust shall be responsible for preparing and making accessible the following "Trust Documents," as specified in Rule 498(e):

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAi") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-l under the 1940 Act) for the Designated Portfolios.

4.10 The Trust shall provide one copy of the Trust Documents specified in Sections 4.10(a), (b), and (c) above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Trust's securities and the Contracts. The Trust shall provide the Shareholder Reports specified in Section 4.l0(d) above within 60 days after the close of each of the Trust's reporting periods (in accordance with Rule 30e-l under the 1940 Act). For avoidance of doubt, Company acknowledges it shall not be entitled to Trust Documents specified in Sections 4.lO(a), (b), (c) and (d) prior to being filed with the SEC.

4.11 The Trust shall provide the Trust Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (e)(2)(i) of Rule 498);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAi to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking,*** in accordance with paragraph (e)(2)(ii) of Rule 498); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Trust Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (e)(3) of Rule 498).

4.12 The Company shall host and maintain the website specified in paragraph U)(l)(iii) of Rule 498A, so that the Trust Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Trust fulfill their obligations under this Amendment.

4.13 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph U)(l)(i) of Rule 498A. The Trust shall ensure that a summary prospectus is used for the Designated Portfolios.

4.14 The Trust shall be responsible for the content and substance of the Trust Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Trust Documents in all material respects. Without limiting the generality of the foregoing in any manner, the Trust shall be responsible for ensuring that the Trust Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all applicable rules and
regulations under those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact

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necessary in order to make the statements made, in light of the circumstances under which

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they are made, not misleading.

4.15 The Trust shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the summary prospectus, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners. Such Company requests shall be fulfilled reasonably promptly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Trust or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Trust Documents as set in type), and such other assistance as is reasonably necessary to have the then current Trust Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Trust shall reimburse the Company for the reasonable costs of printing and mailing the Trust Documents to
Contract owners.

4.16 The Trust shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Trust shall provide the following Trust expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than 135 calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Trust Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-lA, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Trust Company Expenses" (aka "Total Annual Trust Operating
Expenses") for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense
reimbursements or fee waiver arrangement is expected to continue and whether it can be terminated by the Trust; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-lA (for the 1, 5, and 10 year periods).

4.17 The Trust, at its expense, will provide the Company or its mailing agent with copies of its proxy material and any communications related to the proxy, if any, annual and semi-annual reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners initiated by the Trust in such quantity as the Company will reasonably require. The Company will distribute this proxy material and any communications related to a proxy, annual and semi-annual reports and other communications initiated by the Trust to existing Contract owners and will bill the Trust for the reasonable cost of such distribution.

4.18 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held **in** the Account **in** accordance with instructions

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received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held **in** the Account for which no timely instructions have been received, **in** the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Designated Portfolio shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Designated Portfolio's calculates voting privileges **in** a manner consistent with all legal requirements.

4.20 The Trust will comply with all provisions of the 1940 Act requiring voting by shareholders, and in particular, the Trust either will provide for annual meetings (except insofar as the Commission may interpret Section 16 of the 1940 Act not to require such meetings) or, as the Trust currently intends, to comply with Section 16(c) of the 1940 Act (although the Trust is not one of the trusts described in Section 16(c) of the 1940 Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Trust will act in accordance with the Commission's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the Commission may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Trust or the Adviser, each piece of sales literature or other promotional material in which the Trust or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Trust or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Trust or concerning the Trust in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAi for Trust shares, as such registration statement, prospectus and SAi may be amended or supplemented from time to time, or in reports or proxy statements for the Trust, or in published reports for the Trust which are in the public domain or approved by the Trust or the Adviser or their designees for distribution, or in sales literature or other material provided by the Trust or by the Adviser, except with permission of the Trust or the Adviser or their designees. The Trust and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Trust or the Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Trust and the Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAi for the Contracts, as such registration statement, prospectus and SAi may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request

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for approval on a prompt and timely basis.

5.5 The Trust will provide to the Company at least one complete copy of all registration statements, prospectuses, SAis, annual and semi-annual reports, and proxy statements, and all amendments to any of the above, that relate to the Trust or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Trust at least one complete copy of all definitive prospectuses, definitive SAi, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAis and sales literature and promotional material, only those prospectuses and SAis and sales literature and promotional material that relate to or refer to the Trust or the Designated Portfolio will be provided.) In addition, the Company will provide to the Trust at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Trust or the Designated Portfolio; and (ii) any post-effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Trust.

5.7 The Trust and Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change **in** the Trust's registration statement, particularly any change resulting **in** a change to the registration statement or prospectus or statement of additional information for any Account. The Trust and Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAls, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Trust, the Adviser and the Distributor hereby consent to the Company's use of the names of the Trust, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the names "J.P. Morgan Investment Management Inc.", "JPMorgan Distribution Services, Inc.", "JPMorgan", "J.P. Morgan" and J.P. Morgan Chase & Co or any derivative names or logos associated with such name and such names are the valuable property of the Adviser or some JPMorgan entity, and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Trust, the Adviser and the Distributor hereby consent to the use of the Adviser's name, Distributor's name and/or the name of the Trust and Designated Portfolio and any trademark, trade name, service mark or logo used by the Trust, the Adviser and the Distributor, subject to the Trust's, the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Trust, the Adviser or the Distributor. Such consent

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will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Trusts; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Trust, Adviser and/or the Distributor.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 Neither the Trust nor any of the Designated Portfolios will pay a fee or other compensation to the Company under this Agreement.

6.2 All expenses incident to performance by the Trust of this Agreement will be paid by the Trust to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Trust, in accordance with applicable state law, prior to sale. The Trust will bear the expenses for the cost of registration and qualification of the Trust's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Trust; preparation and filing of the Trust's prospectus, SAi and registration statement, proxy materials and reports to shareholders; typesetting and printing the Trust's prospectus and SAi (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and annual and semi-annual reports to Contract owners (including the costs of printing a Trust prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Trust's shares; and other costs associated with preparation of prospectuses and SAis for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

6.3 Neither the Trust nor any of the Designated Portfolios shall bear any costs or expenses incident to the performance of this Agreement by any other party to this Agreement except to the extent expressly stated herein.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The terms "Trust" and "Designated Portfolio" do not include any "excepted funds"
as defined **in** the Rule, which includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short -term trading of its securities, if
its prospectus clearly and prominently discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Trust" shall also include the Trust's designee
(i.e., principal underwriter or transfer agent).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Trust Policies" means policies established by the Trust for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. As may be requested by the Adviser, Distributor or the Trust from time to time or as may be required by federal or state law, Company agrees to provide the Trust the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), as well as the Contract owners number or participant account number associated with the Shareholder, if known, of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Trust may, from time to

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time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

Unless otherwise specifically requested by the Trust, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.2 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than 180 days prior to the day Company received the Request. The Trust may request Transaction Information older than 180 days from the date of the Request as it deems necessary to investigate compliance with Trust Policies.

7.3 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Trust; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Trust promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Trust (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Trust in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Trust, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Trust whether it plans to perform (i) or (ii).

7.4 Limitations on Use of Information. The Trust agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.5 Agreement to Restrict Trading. Company agrees to execute written instructions from the Trust to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Trust as having engaged in transactions of the Designated Portfolio's Shares (directly or indirectly through the Company's Account) that violate Trust Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Trust's Policies.

7.6 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Trust; and (iv) are received by Company. Upon request of the Company, the Trust agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Trust's Policies.

7.7 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.8 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Trust pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

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ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Trust, the Adviser, the Distributor, and each person, if any, who controls the Trust, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Trust shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Trust, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained not supplied by the Company or persons under its control or their designees, that are in the Trust registration statement, prospectus, SAI or sales literature or other promotional material of the Trust, or any amendment or supplement to the foregoing,) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Trust registration statement, prospectus, SAI or sales literature or other promotional material of the Trust (or amendment or supplement) or the omission or alleged omission to state therein a material fact

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required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Trust by or on behalf of the Company or person under its control or their designee(s); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.l(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.l(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Trust shares or the Contracts or the operation of the Trust.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor jointly and severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Trust shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Trust or sales literature or other promotional material of the Trust (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Trust by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Trust or in sales literature of the Trust (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations not supplied by the Adviser, Distributor or the Trust or person under the control of

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the Adviser, Distributor or the Trust or their designee(s), that are contained in the Contracts or in the Contract or Trust registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing) or wrongful conduct of the Adviser, Distributor or the Trust or persons under the control of the Adviser, Distributor or the Trust respectively, with respect to the sale or distribution of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser, Distributor or the Trust or persons under the control of the Adviser, Distributor or the Trust or their designee(s); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser, Distributor, or Trust to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser, Distributor or the Trust in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser, Distributor or the Trust;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser and the Trust of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION BY THE TRUST

(a) The Trust agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.3) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Trust) or action in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements, are related to the sale, acquisition, or holding of the Trust shares or the Contracts, or operations of the Trust and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Trust or sales literature or

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other promotional material of the Trust (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission of such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Trust by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Trust or in sales literature of the Trust (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations not supplied by the Adviser, Distributor or the Trust or person under the control of the Adviser, Distributor or the Trust or their designee(s), contained in the Contracts or in the Contract or Trust registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts or of the Trust, or any amendment or supplement to the foregoing) or wrongful conduct of the Adviser, Distributor or the Trust or persons under the control of the Adviser, Distributor or the Trust respectively, with respect to the sale or distribution of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Trust or persons under the control of the Trust or their designee(s); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Trust to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Trust in this Agreement or arise out of or result from any other material breach of this Agreement by the Trust; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) arise out of or result from the incorrect or untimely calculation or reporting of daily net asset value per share or dividend or capital gain distribution rate;

except to the extent provided in Sections 8.3(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Trust otherwise may have.

(b) No party will be entitled to indemnification under Section 8.3(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations and duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Trust of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

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Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

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ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Trust, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Trust shares, provided that the Trust determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Trust, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Trust's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Trust, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Trust, Adviser or Distributor and hence to the Company; or

(j) at the option of the Trust or the Adviser, if the Trust or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Trust or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written

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notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Trust, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Trust pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts") for such additional time as is reasonably necessary to provide for the orderly reallocation by the owners of said Existing Contracts from the Designated Portfolios to other investment options available under the Existing Contracts ("Transition Period"). Specifically during the Transition Period, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement during the Transition Period.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

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If to the Trust:

J.P. Morgan Investment Management Inc.,

on behalf of JPMorgan Trust II

277 Park Avenue

New York, NY 10172

Attn: Contracts Administration

Email: jpmfunds.contracts@jpmorgan.com

If to the Adviser:

J.P. Morgan Investment Management Inc.

277 Park Avenue

New York, NY 10172

Attn: Contracts Administration

Email: jpmfunds.contracts@jpmorgan.com

If to the Distributor:

JPMorgan Distribution Services, Inc.

1111 Polaris Parkway

Columbus, OH

Attn: Contracts Administration

Email: jpmfunds.contracts@jpmorgan.com

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Trust must look solely to the property of the Trust for the enforcement of any claims against the Trust as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Trust.

12.2 The Trust and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Trust and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Trust or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Trust or the Adviser, the Trust and the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company's prior written consent; or (b) as required by law or judicial process. The Trust and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

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12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Trust or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

![LOGO](g898671page0010.jpg)

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![LOGO](g898671page0011.jpg)

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**Exhibit A** 

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Trust Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Trust

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Trust indicated below by the Contract indicated below.

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Please provide the following information about the Contract to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*:<u> </u> |
| Please provide the following information about the Portfolio to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Trust Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name:<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager:<u> </u> |
| Please provide the following information about the time period for which trading should be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number **(ITIN),** other government-issued identifier or equivalent identifying number 

\*\*\* Start date will be no earlier than 48 hours after receipt of form **in** "Good Form" 

\*\*\*\* person must be duly authorized person as previously provided by the Trust

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Trust shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Trust.

**JPMORGAN LARGE CAP GROWTH FUND - CLASS R6 SHARES**

## Ex-99.(H)(6)(Ii)

JPMORGAN DISTRIBUTION SERVICES, INC.

**SERVICE AGREEMENT** 

Shareholder Servicing

This Agreement is entered into between THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company ("Financial Intermediary") and JPMorgan Distribution Services, Inc. ("JPMDS").

RECITALS

WHEREAS, JPMDS serves as the Shareholder Servicing Agent for each of the trusts listed on Exhibit A (each, a "Trust"; collectively, the "Trusts") (each series referred to as a "Fund", collectively the "Funds") each with one or more classes of shares ("Shares") pursuant to a Shareholder Servicing Agreement effective as of February 19, 2005 (the "Shareholder Servicing Agreement");

WHEREAS, pursuant to the Shareholder Servicing Agreement, JPMDS is authorized to delegate the provision of some or all of the services contemplated by the Shareholder Servicing Agreement to financial intermediaries;

WHEREAS, Financial Intermediary is a life insurance company that issues variable insurance contracts funded through its separate accounts to plans that meet the requirements for qualification under Section 401 of the Internal Revenue Code of 1986, as amended ("Plans");

WHEREAS, the Funds are offered to the general public and are not solely available for purchase by insurance company separate accounts;

WHEREAS, Financial Intermediary has established a separate account ("Separate Account") exempt from registration with Securities and Exchange Commission ("SEC") that will invest in Shares and that it will issue variable insurance contracts funded through the Separate Account solely to Plans and/or their participants ("Participants");

WHEREAS, the Funds will serve as investment vehicles under variable insurance contracts offered by Financial Intermediary to such Plans or Participants; and

WHEREAS, JPMDS desires to retain Financial Intermediary to provide services to the Plans/Participants that own the variable insurance contracts offered by the Financial Intermediary ("Contractowners" or "Customers") and who beneficially own Shares held in the Separate Account on the terms and conditions set forth herein.

AGREEMENT

NOW THEREFORE, in consideration of the mutual promises set forth herein, the parties agree as follows:

**I.** **Services**.

Financial Intermediary shall accept Contractowners' instructions for transactions in Shares and transmit them to the Funds in accordance and in compliance with the terms and conditions of the applicable current prospectus ("Prospectus") and Statement of Additional Information ("SAI" and together with the Prospectus, the "Registration Statement"), the applicable rules, regulations and requirements, and the

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provisions of this Agreement, including the operating procedures set forth on Exhibit B. In addition, Financial Intermediary will provide to its Contractowners each of the applicable services specified in Exhibit C.

**II.** **Transactions in Shares.** 

A. The Funds will execute all accepted orders for the purchase of any Shares at the next determined public offering price per share (i.e., the net asset value per share plus the applicable initial sales load, if any) and the Funds will execute all accepted orders for the redemption of any Shares at the next determined net asset value per share, in each case as described in the Registration Statement. JPMDS and the Funds reserve the right to reject any purchase request in their sole discretion.

B. The Financial Intermediary agrees that neither the Funds, JPMDS nor any of their affiliates or agents will have any responsibility or liability to review any purchase or redemption request which is presented by Financial Intermediary (i) to determine whether such request is genuine or authorized by the Customer or (ii) to determine the suitability of a particular Fund or Class for such Customer. The Funds, JPMDS and their affiliates and agents will be entitled to rely conclusively on any purchase or redemption request communicated to the Funds by Financial Intermediary, and will have no liability whatsoever for any losses, claims or damages to or against Financial Intermediary or any Customer resulting from the failure of Financial Intermediary to transmit any such request, or from any errors contained in any request.

C. Financial Intermediary confirms that it will be considered the Funds' agent for the sole purpose of receiving purchase and redemption orders on behalf of the Separate Account for Shares from Contractowners and transmitting them to the Funds. Financial Intermediary may authorize such intermediaries as it deems appropriate ("Correspondents") to receive orders on the Funds' behalf. Financial Intermediary shall be liable to the Funds for each Correspondent's compliance with applicable regulations, requirements and this Section II to the same extent as if Financial Intermediary itself had acted or failed to act instead of the Correspondent.

D. Financial Intermediary certifies that it will at all times follow all applicable rules, regulations and requirements in connection with the handling of orders for transactions in the Funds, including, without limitation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Rule 22c-1(a) and other applicable rules under the Investment Company
Act of 1940, as amended ("Investment Company Act");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the provisions of this Agreement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the Registration Statement.

E. Financial Intermediary further certifies that it:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) has adopted and implemented and will monitor, on a continuous basis, its compliance with procedures reasonably
designed to prevent violations of all applicable laws, rules, regulations and Registration Statement requirements with respect to late trading, market timing and abusive trading practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) has determined that each Correspondent has adopted and implemented and will monitor, on a continuous basis, its
compliance with its own internal procedures reasonably designed to prevent violations of relevant law, regulation and Registration Statement requirements with respect to late trading, market timing and abusive trading practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) will provide information and further certification to JPMDS or its designee to verify compliance with this
Section II and Section D in Exhibit B; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) will cooperate in monitoring and enforcing the Trust's market timing, late trading, and any redemption fee
policies as set forth in the Registration Statement and such other policies established by the Trust from time to time.

F. The parties agree that in performing its services under this Agreement: (i) Except with regard to certain money market funds ("MMFs"), as set forth in Section 4 of Exhibit E of this Agreement, Financial Intermediary is acting as agent for the Customer and covenants and agrees to comply with all applicable terms and conditions of the Registration Statement; (ii) the Customer is for all purposes the customer of Financial Intermediary; (iii) each transaction is initiated solely upon the order of the Customer; (iv) as between Financial Intermediary and the Customer, the Customer will have full beneficial ownership of all Shares; (v) each transaction shall be for the benefit of the Customer and shares will be held in the Financial Intermediary's Separate Account; (vi) each transaction shall be without recourse to Financial Intermediary provided that Financial Intermediary acts in accordance with the terms of this Agreement; and (vii) Except for the limited purpose of receiving orders to purchase, redeem or exchange Shares ("Orders") for Share transactions from its customers as described in Exhibit E of this Agreement or with respect to redemptions for certain MMFs of customers who do not qualify as natural persons, as set forth in Exhibit E of this Agreement, Financial Intermediary shall be deemed an independent contractor shall have no authority to act as agent for JPMDS or the Funds.

G. Notwithstanding any other provision of this Agreement to the contrary, nothing in this Agreement contemplates or requires that JPMDS provide any services, deal directly with or give any recommendations to any retail customer or retail investor for purposes of SEC Regulation Best Interest or Form CRS, it being understood and agreed between and among the parties that JPMDS will act only as a wholesale distributor for Funds through third-party dealers and selling agents, which will deal with such retail customers or retail investors.

**III.** **Shareholder Information** 

A. Financial Intermediary agrees to provide the Fund, upon written request, the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN"), or other government-issued identifier ("GII"), if known, of any or all Shareholder(s) and the amount, date, name or other identifier of any investment professional(s) associated with the Shareholder(s) (if known), and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through a Financial Intermediary Fund Account during the period covered by the request.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Requests must set forth a specific period, not to exceed one year from the date of the request, for which
transaction information is sought. A request may be ongoing and continuous (e.g., for each trading day throughout the year) or for specified periods of time. The Fund may request transaction information older than one year from the date of the
request as it deems necessary to investigate compliance with policies established or utilized by the Fund for the purpose of eliminating or reducing market timing and abusive trading practices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Financial Intermediary agrees to provide, promptly upon request of the Fund or its designee, the requested
information specified in Section III.A. If requested by the Fund or its designee, Financial Intermediary agrees to use best efforts to determine promptly whether any specific person about whom it has received the identification and transaction
information specified in Section III.A is itself a financial intermediary ("indirect intermediary") and, upon further request of the Fund or its designee, promptly either (i) provide (or arrange to have provided) the information set
forth in Section III.A for those shareholders who hold an account with an indirect intermediary; or (ii) restrict or prohibit the indirect intermediary from purchasing, in nominee name on behalf of other persons,

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securities issued by the Fund. Financial Intermediary additionally agrees to inform the Fund whether it plans to perform (i) or (ii). Responses required by this paragraph must be communicated in writing and in a format mutually agreed upon by the parties; and to the extent practicable, the format for any transaction information provided to the Fund should be consistent with the Depository Trust Clearing Corporation ("DTCC") Standardized Data Reporting Format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) The Fund agrees not to use the Shareholder information received from Financial Intermediary pursuant to this
Agreement for marketing or any other similar purpose without the prior written consent of Financial Intermediary.

B. Financial Intermediary agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions in the Fund's Shares (directly or indirectly through a Financial Intermediary Fund Account) that violate policies established for the purpose of eliminating or reducing market timing and abusive trading practices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Instructions to restrict or prohibit trading must include the TIN, ITIN, or GII, if known, and the specific
restriction(s) to be executed. If the TIN, ITIN, or GII is not known, the instructions must include an equivalent identifying number of the Shareholder(s) or the Financial Intermediary Fund Account(s) or other agreed upon information to which the
instruction relates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Financial Intermediary agrees to execute instructions as soon as reasonably practicable, but not later than
five business days after receipt of the instructions by the Financial Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Financial Intermediary must provide written confirmation to the Fund that instructions have been executed.
Financial Intermediary agrees to provide confirmation as soon as reasonably practicable, but not later than ten business days after the instructions have been executed.

C. For purposes of this Section III of the Agreement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) The term "Financial Intermediary Fund Account" means a direct or networked Shareholder account with
the Fund maintained by Financial Intermediary or an omnibus account with the Fund maintained by Financial Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) The term "Fund" includes JPMorgan Distribution Services, Inc., which is the Fund's principal
underwriter, the Fund's transfer agent and the series of the trusts and corporation listed in the Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by the Fund under the Investment Company Act that are held by or through a Financial Intermediary Fund Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) The term "Shareholder" means (i) the beneficial owner of Shares held by or through a Financial
Intermediary Fund Account; (ii) a participant in an employee benefit plan owning Shares held by or through a Financial Intermediary Fund Account, notwithstanding that the employee benefit plan may be deemed to be the beneficial owner of Shares;
and (iii) the holder of interests in a variable annuity or variable life insurance contract issued by Financial Intermediary owning Shares held by or through a Financial Intermediary Fund Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) The term "written" and/or "in writing" includes electronic writings and facsimile
transmissions.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) The term "Financial Intermediary" shall mean a "financial intermediary" as defined in 22c-2 of the Investment Company Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) The term "purchase" does not include the automatic reinvestment of dividends.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii) The term "promptly" as used in Section III.A (ii)shall mean as soon as practicable but in no event
later than ten business days from the Financial Intermediary's receipt of the request for information from the Fund or its designee.

**IV.** **Representations, Warranties and Covenants** 

A. JPMDS represents and warrants that:

(i) It has the requisite authority to enter into this Agreement and to make the payments contemplated herein; and

(ii) That the payment to Financial Intermediary of any fees pursuant hereto is authorized under the Shareholder
Servicing Agreement.

B. Financial Intermediary represents, warrants and agrees that:

(i) It is an insurance company duly organized and in good standing under applicable law and that it has authority
authorizing it to conduct a life insurance business in all states:

(ii) It has established the Separate Account, which is excluded from the definition of investment company and thus
exempt from registration with the SEC;

(iii) The Separate Account will invest in Shares and will issue variable insurance contracts funded through the
Separate Account solely to Plans and/or Participants;

(iv) The Shares are an appropriate investment for the Separate Account and are an appropriate funding medium for the
variable insurance contracts issued through the Separate Account to Plans and Participants. Without limitation of the foregoing, Financial Intermediary understands and acknowledges that the Funds are available for purchase by the general public, are
not solely available for purchase by insurance company separate accounts, and may not comply with the diversification requirements of Section 817(h) of the Internal Revenue Code of 1986, as amended, and Treas. Reg. 1-817.5 thereunder;

(v) It is registered with the appropriate securities authorities in all states, territories and jurisdictions in
which its activities make such registration necessary;

(vi) It has the requisite authority to enter into this Agreement and to perform the services contemplated herein;

(vii) The execution and delivery of this Agreement and the performance of the services contemplated herein have been
duly authorized by all necessary corporate action on its part, and this Agreement constitutes the valid and binding obligation of Financial Intermediary;

(viii) It currently does, and will, conduct its activities hereunder in material conformity with all applicable
federal, state and industry laws or regulations and will disclose its receipt of fees hereunder to Contractowners (and, if required, will obtain their consent to such receipt) in accordance with applicable laws and regulations;

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(ix) [Reserved];

(x) Its receipt of fees pursuant to this Agreement and the provision of the services contemplated herein to any
Plan(s) will not constitute a non-exempt "prohibited transaction" as such term is defined in Section 406 of ERISA and Section 4975 of the Internal Revenue Code of 1986, as amended (the
"Code");

(xi) That if it plans to participate in the DTCC's Mutual Fund Settlement Entry and Registration Verification
system ("Fund/SERV"), and/or in Networking, Financial Intermediary is a member of the DTCC or otherwise has access to Fund/SERV and it has executed and filed with the DTCC the standard Networking agreement;

(xii) The providing of its services set forth on Exhibit C hereof will in no event be primarily intended to result in
the sale of Shares; and

(xiii) It will maintain comprehensive general liability coverage and will carry a fidelity bond covering it and each
of its employees and authorized agents with limits of not less than those considered commercially reasonable and appropriate under current industry practices, each issued by a qualified insurance carrier with a Financial Strength Rating from A.M.
Best Company rating of at least "A," and, upon JPMDS' request, it will furnish a certificate of insurance evidencing such coverage.

Each party hereto agrees to provide to the other such information or documentation necessary for such party to fulfill its obligations hereunder and such other information or documentation as either party may reasonably request.

**V.** **Fees** 

There shall be no compensation paid to the Financial Intermediary for the services provided hereunder.

**VI.** **Indemnification** 

A. Financial Intermediary shall indemnify and hold harmless JPMDS, each Fund, the transfer agent of the Funds, and their respective subsidiaries, affiliates, officers, directors (or trustees), and employees from all claims, liabilities, losses or costs (including reasonable attorney's fees) arising directly from:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Any breach by Financial Intermediary of any representations, covenants or warranties in this Agreement or a
material breach of any provision of this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) any Fund's failure to comply with the diversification requirements of Section 817(h) of the Internal
Revenue Code of 1986, as amended, and Treas. Reg. 1-817.5 thereunder. For the sake of clarity, Financial Intermediary's obligations under this sub-section shall not
pertain to claims, liabilities, losses or costs relating to shareholders who do not invest in the Fund through the Financial Intermediary;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) any actions or omissions of JPMDS, any Fund, the transfer agent of the Funds, and their subsidiaries,
affiliates, officers, directors (or trustees), and employees in reliance upon any oral, written or computer or electronically transmitted instructions, documents or materials believed to be genuine and to have been given by or on behalf of Financial
Intermediary; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) any willful misconduct or negligence (as measured by industry standards) of Financial Intermediary, its agents
and employees, in the performance of, or failure to perform, its

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obligations under this Agreement, or any reckless disregard of its obligations under this Agreement.

B. JPMDS shall indemnify and hold harmless Financial Intermediary and its subsidiaries, affiliates, officers, directors, and employees from and against any and all claims, liabilities, losses or costs (including reasonable attorney's fees) arising directly from:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) any breach by JPMDS of any representations, covenants or warranties in this Agreement or any material breach of
any provision of this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) any alleged untrue statement of a material fact contained in any Fund's Registration Statement or
Prospectus or any alleged omission to state therein a material fact required to be stated therein necessary to make the statements contained therein not misleading; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) any willful misconduct or negligence (as measured by industry standards) of JPMDS, its agents and employees, in
the performance of, or failure to perform, its obligations under this Agreement, or any reckless disregard of its obligations under this Agreement.

C. Neither JPMDS nor Financial Intermediary shall be liable for special, consequential or incidental damages. The indemnification provided for hereunder shall be in addition to any liability which the parties may otherwise have*.***

D. The agreement of the parties in this Section VI to indemnify each other is conditioned upon the party entitled to indemnification (Indemnified Party) giving notice to the party required to provide indemnification (Indemnifying Party) promptly after the summons or other first legal process for any claim as to which indemnity may be sought is served on the Indemnified Party. Such notice will be given by any means of prompt delivery that provides confirmation of receipt to the address provided by each party in this Agreement. The Indemnified Party shall permit the Indemnifying Party to assume the defense of any such claim or any litigation resulting from it, provided that counsel for the Indemnifying Party who shall conduct the defense of such claim or litigation shall be approved by the Indemnified Party (which approval shall not unreasonably be withheld), and that the Indemnified Party may participate in such defense at its expense. If the Indemnifying Party does not elect to assume the defense, the Indemnifying Party will reimburse the Indemnified Party for the reasonable fees and expenses of any counsel retained by it. The failure of the Indemnified Party to give notice as provided in this Section (D) shall not affect the Indemnified Party's right to indemnification hereunder except to the extent that the Indemnifying Party's interest are actually prejudiced thereby. No Indemnifying Party, in the defense of any such claim or litigation, shall, without the written consent of the Indemnified Party, consent to entry of any judgment or enter into any settlement that does not include as an unconditional term the giving by the claimant or plaintiff to the Indemnified Party of a release from all liability in respect to such claim or litigation.

E. The provisions of this Section VI shall survive the termination of this Agreement.

**VII.** **Confidentiality** 

A. Each party acknowledges and understands that any and all technical, trade secret, or business information, including, without limitation, financial information, business or marketing strategies or plans or product development, which is disclosed to the other or is otherwise obtained by the other, its affiliates, agents or representatives during the term of this Agreement (the "Proprietary Information") is confidential and proprietary, constitutes trade secrets of the owner, and is of great value and importance to the success of the owner's business. Each party agrees that should it come into possession of Proprietary Information,

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it will use its best efforts to hold such information in confidence and shall refrain from using, disclosing or distributing any such information except (i) as may be necessary in the ordinary course of performing the services and transactions contemplated by this Agreement; (ii) with the written consent of the other party; or (iii) as required by law or judicial process or as requested by any governmental agency or regulatory authority. Proprietary Information shall not include information a party to this Agreement can clearly establish was (a) known to the party prior to this Agreement; (b) rightfully acquired by the party from third parties whom the party reasonably believes are not under an obligation of confidentiality to the other party to this Agreement; (c) placed in public domain without fault of the party or its affiliates; or (d) independently developed by the party without reference to, or reliance upon, Proprietary Information. In the event that a party ("disclosing party") is requested or required by law to disclose any Proprietary Information, the disclosing party shall provide the other party ("non-disclosing party") with prompt written notice, unless notice is prohibited by law, of any such request or requirement so that the non- disclosing party may seek a protective order or other appropriate remedy; provided that no such notification shall be required in respect of any disclosure to any governmental agency or regulatory authority having jurisdiction over the disclosing party or its affiliates.

B. All information, including "nonpublic personal information" as that term is defined in Regulation S--P, relating to Contractowners is and shall remain the sole property of the Funds and the Financial Intermediary and shall not be disclosed to or used by the Funds, the Financial Intermediary, JPMDS, or their affiliates for any purpose except in the performance of their respective duties and responsibilities under this Agreement and except for servicing and informational mailings relating to the Funds or as permitted by Rule 15 of Regulation S-P. Notwithstanding the foregoing, this Section VII B shall not prohibit the Financial Intermediary, the Funds, JPMDS, or any of their affiliates from utilizing the names of Contractowners, for any purpose if the names are obtained in any manner other than from Financial Intermediary pursuant to this Agreement.

C. If applicable, Financial Intermediary will deliver the Funds' privacy policy as required by Regulation S-P.

D. The provisions of this Section VII shall survive the termination of this Agreement.

**VIII.** **ERISA** 

Financial Intermediary acknowledges and agrees that when JPMDS makes Funds available to Financial Intermediary pursuant to this Agreement (i) JPMDS does not acknowledge that it is a fiduciary ("Fiduciary") within the meaning of Section 3(21) of ERISA with respect to any Customer the assets of which are subject to regulation under Title I of ERISA and/or Section 4975 of the Code (including any Customer assets that are held in an investment contract, product or entity that are deemed to hold plan assets subject to such regulation as determined pursuant to Section 3(42) of ERISA and the regulations promulgated thereunder) (collectively, "Plan Investors"); (ii) JPMDS specifically disclaims such Fiduciary status whether or not JPMDS participates in any arrangement in which a Plan Investor or its representatives may be present, as requested by or at the direction of Financial Intermediary; and (iii) JPMDS does not recommend the use of any Fund to a specific Plan Investor or category of Plan Investors. In addition, Financial Intermediary acknowledges and agrees that Financial Intermediary is a fiduciary under ERISA and is responsible for evaluating the investment risks, including the investment program contemplated by this Agreement, and it exercised independent judgment in connection with its decision to appoint JPMDS as set forth herein.

To the extent Shares are purchased by Contractowners through a defined contribution plan subject to Title I ERISA (a "Plan"): (i) the arrangements provided for in this Agreement will be disclosed to the Plan(s) through their representatives and; (ii), Financial Intermediary represents and warrants that its receipt of fees pursuant to this Agreement and the provision of the services contemplated herein to any Plan(s) will

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not constitute a non-exempt "prohibited transaction" as such term is defined in Section 406 of ERISA and Section 4975 of the Code.

**IX. Effective Date, Amendment and Termination** 

A. This Agreement shall become effective as of the date executed by JPMDS or as of the first date thereafter upon
which Financial Intermediary performs any service, or receives any payment pursuant hereto.

B. This Agreement may be amended by JPMDS from time to time by the following procedure. JPMDS will mail a copy of
the amendment to Financial Intermediary's address, as shown on the signature page hereof. If Financial Intermediary does not object to the amendment within thirty (30) days after its receipt, the amendment will become part of the Agreement.
Financial Intermediary's objection must be in writing and be received by JPMDS within such thirty days. In addition, and without limiting the foregoing, this Agreement may be amended from time to time by mutual signed written agreement of the
parties hereto.

C. Notwithstanding the foregoing, this Agreement may be terminated as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) by any party as to any Fund without cause by giving the other party at least thirty (30) days' written
notice. The termination of this Agreement with respect to any one Fund will not cause the Agreement's termination with respect to any other Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Notwithstanding the foregoing, this Agreement may be terminated at any time if required by applicable law,
rule, regulation, order, or instruction by a court of competent jurisdiction or regulatory body or self-regulatory organization with jurisdiction over JPMDS or Financial Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) This Agreement also shall terminate immediately upon termination of the Shareholder Servicing Agreement.

**X. Miscellaneous** 

A. <u>Custody</u>. Financial Intermediary represents and warrants, and JPMDS acknowledges, that Fund shares maintained by the Fund for Contractowners hereunder are held in custody for the exclusive benefit of Contractowners of Financial Intermediary and shall be held free of any right, charge, security interest, lien or claim against Financial Intermediary in favor of the Fund or its agents acting on behalf of the Fund.

B. <u>Use of Names</u>. Financial Intermediary and JPMDS shall not use the name (or any trademark, trade name, service mark or logo) of the other party or its affiliates without the other party's written consent and the Financial Intermediary shall not use the name of the Funds in any manner without written consent, in each case except as required by any applicable federal or state law, rule or regulation, and except that Financial Intermediary may identify the Funds in a listing of funds offered through the Separate Accounts.

C. <u>Anti-Money Laundering.</u> Financial Intermediary represents that it has established an Anti-Money Laundering Program ("AML Program") that is designed to comply with applicable U.S. laws, regulations, and guidance, including rules of self-regulatory organizations, relating to the prevention of money laundering, terrorist financing, and related financial crimes. Its AML Program includes written policies and procedures regarding the (i) verification of the identity of its Contractowners and the source of Contractowners' funds, and (ii) reporting of any suspicious transactions in a Customer's account. Financial Intermediary agrees to cooperate with JPMDS to satisfy JPMDS' AML due diligence policies,

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which may include annual AML compliance certifications, periodic AML due diligence reviews and/or other requests deemed necessary to ensure its compliance with the AML regulations. Financial Intermediary will (but only to the extent consistent with applicable law) take all steps necessary and appropriate to provide the Funds and/or JPMDS with any requested information about Contractowners and their Fund accounts in the event that the Funds and/or JPMDS shall request such information due to an inquiry or investigation by any law enforcement, regulatory, or administrative authority.

D. <u>Certification of Contractowners' Taxpayer Identification Numbers.</u> Financial Intermediary agrees to obtain any taxpayer identification number certification from its Contractowners required under the Code, as amended, and any applicable Treasury regulations, and to provide JPMDS, or its designee with timely written notice of any failure to obtain such taxpayer identification number certification in order to enable the implementation of any required backup withholding. Financial Intermediary will not knowingly accept or act upon any instruction to purchase Shares from a customer located outside the United States of America or for the account of any non-US person.

F. <u>Nonexclusivity</u>. JPMDS acknowledges that Financial Intermediary may perform services similar to those to be provided under this Agreement to other investment companies, investment company sponsors, or service providers to investment companies. JPMDS may enter into other similar agreements for the provision of shareholder services with any other person or persons without Financial Intermediary's consent.

G. <u>Force Majeure</u>. Neither Financial Intermediary nor JPMDS nor their respective affiliates shall be liable to the other or to any Fund for any damage, claim or other loss whatsoever caused by circumstances or events beyond its reasonable control, provided that such party has exercised such reasonable diligence as the circumstances require.

H. <u>Security Against Unauthorized Use of Funds' Recordkeeping Systems.</u> Financial Intermediary agrees to provide such security as is necessary to prevent any unauthorized use of the Funds' recordkeeping system, accessed via (a) the world wide web or any URL maintained by the Funds or JPMDS, (b) a networking/data access arrangement or (c) computer hardware or software provided to Financial Intermediary by JPMDS.

I. <u>Notices</u>. Except as otherwise specifically provided in this Agreement, all notices required or permitted to be given pursuant to this Agreement shall be given in writing and delivered by: (i) personal delivery; (ii) postage prepaid, registered or certified United States first class mail, return receipt requested; (iii) overnight courier services; or (iv) facsimile or similar electronic means of delivery. Unless otherwise notified in writing, all such notices shall be given or sent to the other party at the address on the signature page hereof, Attention: President.

Notices to be provided to Financial Intermediary shall be delivered as follows:

The United States Life Insurance Company in the City of New York

Attn: Johnpaul S. Van Maele

Associate General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: saamcolegal@corebridgefinancial.com

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Notices to be provided to JPMDS shall be delivered as follows:

JPMorgan Distribution Services, Inc.

1111 Polaris Parkway

Columbus, OH 43240

Email: JPMfunds.contracts@jpmorgan.com

J. <u>Records</u>. Financial Intermediary will maintain all records required to be kept by state and federal law relating to transactions in Shares and, upon request by the Funds, will promptly make such records available to the Funds or their designee.

K. <u>Delegation of Duties</u>. Either party may employ an affiliate or a third party to perform any services required to enable the party to perform its functions under this Agreement. The delegating party will act in good faith in the selection, use and monitoring of affiliates and other third parties, and any delegation or appointment hereunder shall not relieve the delegating party of any of its obligations under this Agreement. The delegating party agrees that it remains liable to the other party for an affiliate's or third party's compliance with this Agreement, applicable regulations and requirements to the same extent as if the delegating party itself had acted or failed to act instead of the affiliate or third party.

L. <u>Assignment and Governing Law</u>. This Agreement may not be transferred or assigned (as that term is defined in the Investment Company Act) by either JPMDS or Financial Intermediary without the written consent of both parties, and shall be construed in accordance with the laws of the State of New York.

M. <u>Counterparts; Severability</u>. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. In the event that one or more provisions of this Agreement shall be held by any court to be invalid, void or unenforceable, the remaining provisions shall nevertheless remain and continue in full force and effect. Facsimile or electronic PDF transmissions of any executed original document and/or retransmission of any executed facsimile or electronic PDF transmission shall be deemed to be the same as the delivery of an executed original.

N. <u>Incorporation of Exhibits A, B, C, D and E</u>. Financial Intermediary and JPMDS agree that the attached Exhibits A, B, C, D and E are incorporated into and made a part of this Agreement and all references herein to the Agreement shall include such Exhibits. To the extent there is any conflict between this Agreement and Exhibit E, Exhibit E will control.

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| | |
|:---|:---|
| **JPMORGAN DISTRIBUTION SERVICES, INC.** | FINRA CRD Number: 104234 |

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Street Address:

1111 Polaris Parkway

Floor 2F, OH1-1299

Columbus, OH 43240

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| | |
|:---|:---|
| By: | /s/ Wendy Barta |

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 <br> Name: Wendy Barta

 <br> Title: Managing Director

 <br> Date: May 9, 2025 \| 6:47 AM PDT

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| | |
|:---|:---|
| THE UNITED STATES LIFE INSURANCE |  |
| COMPANY IN THE CITY OF NEW YORK_ | <u>N/A</u> |
| Financial Intermediary Name | FINRA CRD Number |
| (Please Print or Type) |  |

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 <br> Address 2919 Allen Parkway

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| |
|:---|
| City: Houston State TX Zip Code 77019 |
| Phone:<u> </u> Fax: |

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| | |
|:---|:---|
| By: | /s/ Barbara Rayll |
|  | Authorized Signature |
| Barbara Rayll | Barbara Rayll |
| Print Name or Type Name | Print Name or Type Name |
| Vice President, Business Case Development | Vice President, Business Case Development |
| Title | Title |
| 5/27/2025 | 5/27/2025 |
| Date | Date |

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**EXHIBIT A** 

TRUSTS AND FUNDS

JPMORGAN TRUST II

- JPMORGAN LARGE CAP GROWTH FUND – CLASS R6

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**EXHIBIT B** 

OPERATING PROCEDURES

JPMDS and Financial Intermediary shall follow the following operating procedures in connection with transactions in Fund Shares by Contractowners through Financial Intermediary, except as otherwise agreed to in writing by the parties.

A. Net asset value per share is generally provided on a daily basis to NASDAQ by 6:30 p.m. Eastern time ("ET"). On each business day, JPMDS will use commercially reasonable efforts to provide to Financial Intermediary prior to 7:30 p.m. ET, each Fund's NAV as of its final Market Close (defined below) for that day.

B. JPMDS will furnish notice of the declaration of any income, dividends, or capital gains distributions payable by the Funds. This information will include the ex, record and payable dates along with the Fund's reinvestment price. Typically, this notice will be given by fax transmission, but may be given by other means as may be reasonable under the circumstances.

C. Dividends and capital gains distributions paid by each of the J.P. Morgan Funds are automatically reinvested in additional shares of the same Fund unless the Customer has elected to have them paid in cash.

D. Execution of orders for Shares

The execution of all orders for Share transactions will be subject to the terms of the Registration Statement, these Operating Procedures, JPMDS' written instructions to Financial Intermediary from time to time and, if executed through Fund/SERV, the DTCC's rules and procedures.

1. Funds

(a) The Financial Intermediary certifies as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) orders to purchase and redeem shares received by Financial Intermediary or its Correspondents (as defined in
Section II.C. of the Agreement) prior to the close of a Fund (generally, 4:00 p.m., Eastern Time ("ET") (3:00 p.m. Central Time ("CT") (each close of a Fund, a "Market Close")) on any day that a Fund is open for
business ("Day 1") will be transmitted via facsimile to the Funds by 9:00 a.m. ET (8:00 a.m. CT) on the next day that the Fund is open for business ("Day 2")(such orders are referred to as "Day 1 Trades"); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) orders to purchase and redeem shares received by Financial Intermediary or its Correspondents after the final
Market Close on Day 1, but prior to the final Market Close on Day 2 ("Day 2 Trades") will be transmitted via facsimile to the Funds by 6:30 a.m. ET (5:30 a.m., CT) on the second day that the Fund is open for business following Day 1. Trade
order details will be communicated back to the Financial Intermediary via telephone and/or e-mail notification by 11:00 a.m. ET (10:00 a.m. CT) on Day 1 to enable Financial Intermediary to verify the accuracy
of trade orders received and executed if this trade was contingency based on and not under normal trade circumstances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) If the Financial Intermediary cannot transmit via facsimile Day 1 Trades to the Funds by 6:30 a.m. ET (5:30
a.m. CT) on Day 2, Financial Intermediary will transmit such orders

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via facsimile (or by other means as agreed between the parties) and provide notification to the Fund prior to 9:00 a.m. ET (8:00 a.m. CT) on Day 2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) All trade orders executed utilizing the Manual Procedures will settle through the Federal Wire Transfer System
using the instructions the parties provide to each other from time to time. Funds to cover net purchase orders must be sent by Financial Intermediary assuming prior notification from Funds. All in-kind redemptions and subscriptions must be previously approved and scheduled by JPMDS before the transaction can occur.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Where Financial Intermediary serves as a Fund's agent for the purpose of receiving Orders, Orders that the
Financial Intermediary does not transmit to the Fund before the time set forth above may be, in the Fund's discretion, adjusted by transactions on an as-of basis, provided, however, that any cost or loss
to the Fund, JPMDS or their affiliates of such transactions shall be borne exclusively by the Financial Intermediary, including without limitation, damages, costs, or expenses resulting from errors in calculating the Fund's NAV, reprocessing of
the Fund's Orders, or the payment of dividends by the Fund.

(b) Day 1 Trades will be affected at the NAV next calculated by the Fund following receipt of the trade by Financial Intermediary or its Correspondents on Day 1, and Day 2 Trades will be effected at the NAV next calculated by the Fund following receipt of the trade by the Financial Intermediary or its Correspondents on Day 2. Dividends shall accrue as set forth in the applicable Registration Statement. (c) Upon JPMDS' reasonable request, Financial Intermediary agrees to promptly provide JPMDS with information separating customer orders received before and after a designated Market Close in order for JPMDS to validate the timing of Financial Intermediary's receipt of orders.

F. Payments for Shares shall be made as specified in the Prospectus. If payment for any purchase order is not received in accordance with the terms of the Prospectus, JPMDS reserves the right, without notice, to cancel the sale and to hold Financial Intermediary responsible for any loss sustained as a result thereof, including loss of profit.

G. Issuance and transfer of each Fund's shares will be by book entry only. The Funds will not issue stock certificates.

H. JPMDS will make available to Financial Intermediary, via the DTCC's Mutual Fund Service Profile II, a list of the states or other jurisdictions in which Shares are eligible for sale, which list may be revised from time to time. Financial Intermediary agrees to sell or offer to sell Shares only in the states and other jurisdictions appearing on the most recent list made available by JPMDS. Financial Intermediary will not knowingly accept or act upon any instruction to purchase Shares from a Customer located outside the United States of America or for the account of any non-US person.

J. The Fund or its designee will provide Financial Intermediary with confirmations of executed trades through Fund/SERV when applicable or by mail or electronic means. Periodic account statements will be provided to Financial Intermediary showing the total number of Shares held, Share transactions, dividends and other distribution during the statement period, and such other information as may be required from time to time.

K. If JPMDS provides materially incorrect shares net asset value information through no fault of the Financial Intermediary, the Financial Intermediary shall be entitled to an adjustment with respect to the Shares purchased or redeemed to reflect the correct net asset value per shares and subsequently determined by JPMDS. The determination of the materiality of any net asset value pricing error shall be based on JPMDS policy for correction of pricing errors (the "Pricing Policy"). The Financial

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Intermediary shall correct such error in its records and in the records prepared by it for Contractowners in accordance with information provided by JPMDS. Any material error in the calculation or reporting of net asset value per shares, dividend or capital gain information shall be reported promptly upon discovery to the Company.

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**EXHIBIT C** 

**Services Provided by Financial Intermediary** 

Pursuant to the Services Agreement to which this is attached and made a part, Financial Intermediary hereby agrees to provide each of the applicable personal shareholder liaison services and account information services ("Shareholder Services") described in this Exhibit C.

For purposes of this Agreement, Shareholder Services shall include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) assisting in establishing and maintaining accounts with the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) answering Customer inquiries (through electronic and other means) regarding account status and history, Share
prices, dividend amounts and payment dates, and the manner in which purchases and redemptions of Shares may be effected;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) providing Contractowners with information through electronic means;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) assisting Contractowners in completing application forms, designating and changing dividend options, account
designations and addresses;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) facilitating the settlement with the Fund of Contractowners' Share transactions in accordance with the
Fund's Registration Statement and this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) verifying Customer requests for changes to account information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) handling correspondence from Contractowners about their accounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) distributing to Contractowners copies of the Funds' prospectuses, proxy materials, periodic fund reports
to shareholders, dividend and tax notices, and other materials that are required by law to be provided to fund Shareholders or prospective shareholders; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) providing such other shareholder services as JPMDS or a Customer may reasonably request.

Financial Intermediary will forward or cause to be forwarded to Contractowners the Funds' current effective statutory prospectus (the "Statutory Prospectus"), currently effective SAI, periodic financial reports, proxy materials and other Fund communications as required to be delivered to, or received by, Contractowners under applicable laws, rules and regulations ("Applicable Law") or as reasonably requested by JPMDS or a Fund. However, Financial Intermediary may provide a current effective summary prospectus (the "Summary Prospectus") in lieu of a Statutory Prospectus as permitted under Applicable Law, unless instructed otherwise by JPMDS or a Fund. Financial Intermediary shall respond to requests for a Summary Prospectus, Statutory Prospectus, SAI, currently effective annual report or currently effective semi-annual report made by a customer directly to Financial Intermediary with the documents that JPMDS or a Fund has provided to it hereunder, including any applicable supplements, as required under Applicable Law. Unless instructed by JPMDS or a Fund to the contrary, Financial Intermediary may consolidate or utilize "household" mailing for the delivery of the above-described materials where permissible under, and in accordance with, Applicable Law, and, unless instructed by JPMDS or a Fund to the contrary, the delivery of the materials may be accomplished via electronic means, so long as the methodologies utilized by Financial Intermediary comply with Applicable Law relating to the delivery and receipt of such materials, including, but not limited to, that Financial Intermediary received informed consent from all applicable shareholders permitting the method and manner of such use, and Financial Intermediary maintains, and agrees to provide to JPMDS or a Fund upon request, records of each such delivery.

## Ex-99.(H)(7)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 31st day of July, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); and Nuveen Securities, LLC, a limited liability company organized under the laws of Delaware (the "Distributor").

WHEREAS, Distributor acts as principal underwriter for the Nuveen Family of Funds registered as open-end management investment companies (the "Funds" and each a "Fund") under the Investment Company Act of 1940, as amended, (hereinafter the "1940 Act"); and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and the Portfolios offer different classes of shares ("Classes") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase Classes of shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company and Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Distributor agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Distributor or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "SEC").

1.2 The Distributor agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be

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the designee of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the 1940 Act.

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the

National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to purchase Designated Portfolio shares is made in accordance with

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the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the SEC and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Directors of the Fund (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.5 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus to the extent not inconsistent with the terms and conditions of this Agreement.

1.6 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.7 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.8 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 7:30 p.m., Eastern Time, each Business Day.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to

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time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.3 The Distributor represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act as required by applicable law in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.4 The Distributor currently intends that none of the Classes of shares of the Designated Portfolios shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Distributor undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.5 The Distributor represents and warrants that the Fund is lawfully organized and validly existing under the laws of the State of Delaware and that the Fund does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Distributor represents and warrants that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.6 The Distributor represents and warrants that all of its and the Fund's directors, officers and employees are and shall continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.7 The Distributor is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Distributor further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

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ARTICLE III: FUND COMPLIANCE

3.1 The Distributor represents and warrants that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Distributor represents and warrants that it is in and shall maintain compliance with Rule 38a-1 under the 1940 Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund, through the Distributor, will timely provide the Company with as many copies of the current Fund prospectus (describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund, through the Distributor, shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s).

4.2 The Distributor on behalf of one or more Designated Portfolios will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Distributor provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, through the Distributor, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Company shall provide the Fund with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 The Distributor shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

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4.6 The Distributor shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Distributor shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Distributor shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Distributor, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Distributor.

4.9 Alternatively, if requested by the Company in lieu thereof, the Distributor or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Distributor shall provide the Fund Documents specified in Sections [4.10(a), (b), and (c)] above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Distributor shall provide the Shareholder Reports specified in Section [4.10(d)] above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Distributor shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Distributor shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Agreement.

4.14 The Company shall ensure that an initial summary prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund through the Distributor shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund through the Distributor shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund through the Distributor shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Fund through the Distributor shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund through the Distributor or its designee
shall provide such electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for
distribution; the reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Distributor shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents
to Contract owners.

4.17 The Fund through the Distributor shall provide such data regarding each Designated Portfolio's

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expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund through the Distributor shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that include any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements or fee
waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Distributor, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the SEC continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders and will act in accordance with the SEC's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the SEC may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Distributor, each piece of sales literature or other promotional material in which the Fund is named, at least ten (10) Business Days prior to its use.

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No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund and Distributor or its designee will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund and the Distributor will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 The Distributor will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the SEC or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the SEC or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Distributor at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post-effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund and Distributor will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Fund will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund will make reasonable

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efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Distributor hereby consents to the Company's use of the names of the Fund, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Distributor and its affiliates own all right, title and interest in and to such names of the Nuveen Funds, Adviser and Distributor, and covenants not, at any time, to challenge the rights of Distributor and its affiliates to such name or design, or the validity or distinctiveness thereof. The Distributor hereby consents to the use of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Distributor's approval of such use and in accordance with reasonable requirements of the Distributor. Such consent will terminate with the termination of this Agreement. Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Distributor.

5.10 The Distributor and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Distributor, respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Distributor will pay no fee or other compensation to the Company under this Agreement, except as provided below: (a) if the Fund or any Class of shares of a Designated Portfolio adopts and implements a plan pursuant to Rule 12b-1 under the 1940 Act to finance distribution and shareholder servicing expenses, then, subject to obtaining any required exemptive orders or other regulatory approvals, the Fund may make payments to the Company or to the underwriter for the Contracts if and in such amounts agreed to by the Fund in writing; (b) the Fund may pay fees to the Company for administrative services provided to Contract owners that are not primarily intended to result in the sale of shares of the Designated Portfolio or of underlying Contracts as separately agreed to in writing.

6.2 All expenses incident to performance by the Distributor of this Agreement will be paid by the Distributor to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost

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of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), as well as the Contract owners number or participant account number associated with the Shareholder, if known, of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). [It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than [180 days] prior to the day Company received the Request. The Fund may request Transaction Information older than [180 days] from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. The Funds utilize a service provider, Broadridge Financial Solutions, Inc. ("Broadridge"), in connection with monitoring of trading in shares of the Funds for compliance with the Rule. Requests for information and/or trading restriction requests will be sent via email from Broadridge to Company. Requests will include at a minimum contract/account number or tax identification number.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect

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Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to accept written instructions received from Broadridge on behalf of the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies so long as such instructions provide adequate information to enable Company to act on such instructions.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading requests will be sent via email from Broadridge to Company at <u>SaamcoLegal@corebridgefinancial.com</u> with the subject line: "Rule 22c-2 Instructions to Restrict Trading". Requests will include at a minimum contract/account number or Tax Identification Number and the Fund name for which trading is to be restricted.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Fund and the Distributor and each of their officers, trustees and directors and each person, if any, who controls the Fund and the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or

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supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE DISTRIBUTOR

(a) The Distributor agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute,

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regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Distributor or persons under the control of the Distributor) or wrongful conduct of the Distributor or persons under the control of the Distributor or persons under their control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Distributor or the Fund or persons under the control of the Distributor or the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Distributor to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Distributor in this Agreement, or arise out of or result from any other material breach of this Agreement by the Distributor;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Distributor of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

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8.3 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the SEC may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

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10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the SEC or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund or the Distributor by FINRA, the SEC or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Distributor's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(g) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(h) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or Distributor and hence to the Company; or

(i) at the option of the Distributor, if the Distributor determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or Distributor.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement

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gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Distributor:

Nuveen Securities, LLC

333 West Wacker Drive

Chicago, IL 60606

Attn: George Kaiser

Email: <u>legaldepartment@nuveen.com</u>

ARTICLE XII: MISCELLANEOUS

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12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

12.2 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.3 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.4 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.5 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.6 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.7 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.8 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the SEC, FINRA and state insurance regulators) in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.9 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.10 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date first written above.

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| | |
|:---|:---|
| NUVEEN SECURITIES, LLC | NUVEEN SECURITIES, LLC |
| By: | ![LOGO](g898671dsp028a.jpg) <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; |
| Name: Nathaniel T. Jones | Name: Nathaniel T. Jones |
| Title: Senior Managing Director | Title: Senior Managing Director |

---

THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

---

| | |
|:---|:---|
| By: | ![LOGO](g898671dsp028b.jpg) <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; |
| Name: <u>Barbara Rayll</u>  | Name: <u>Barbara Rayll</u>  |
| Title: <u>Vice President, Business Case Development</u>  | Title: <u>Vice President, Business Case Development</u>  |

---

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Classes of shares of the Portfolio(s) of a Fund.

Fund   <u> Class</u>   <u> Symbol</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Nuveen Core Impact Bond Fund   <u> R6</u>   <u> TSBIX</u>

## Ex-99.(H)(7)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of July 31, 2025, is by and between NUVEEN SECURITIES, LLC ("Distributor"), a Delaware limited liability company, and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, the Nuveen Funds (the "Fund") are registered with the Securities and Exchange Commission ("SEC") as open-end management investment companies under the Investment Company Act of 1940, as amended (the "1940 Act"); and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with Distributor (the "Participation Agreement"), pursuant to which the Distributor has agreed to make shares of its series (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the 1940 Act and rely on Section 12(d)(1)(E) of the 1940 Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, Distributor desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Distributor in connection with the Series, the shares of which are beneficially owned by Contract owners; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services</u>. The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. The Distributor agrees to pay to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified in Schedule I. Such fee shall be accrued monthly based on average daily net assets and paid on a quarterly basis. The Distributor shall make such payment to the Company, without demand or notice by the Company, within 30 days after the end of each calendar quarter.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature of Payments</u>. The parties agree that Distributor's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Funds, and are not otherwise related to investment advisory or distribution services or expenses. The Distributor shall make the payments to the Company. Nothing herein shall preclude Distributor from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the 1940 Act for the services described therein or pursuant to agreements otherwise approved by the Fund's board of trustees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses</u>. Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company not an Agent</u>. It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Distributor or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written Reports</u>. The Company will provide the Distributor with such information as Distributor may reasonably request and will cooperate with and assist Distributor in the preparation of reports, if any, to be furnished to the Trustees of the Board of the Fund in conjunction with the Contracts or other aspects of the Funds concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination</u>. With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 180 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment</u>. This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification</u>. The Company agrees to indemnify and hold harmless the Distributor and its officers, directors, employees and agents (collectively, the "Indemnified

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Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

The Distributor agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Distributor) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by the Distributor under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors and Assigns; Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable Law</u>. This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u> 

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u> 

If to Distributor:

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Nuveen Securities, LLC

333 West Wacker Drive

Chicago, IL 60606

Attn: Jessica Fox Attn: George Kaiser

Email: legaldepartment@nuveen.com

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire Agreement</u>. This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts</u>. This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective Date</u>. This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability</u>. If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

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IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE** | **THE UNITED STATES LIFE INSURANCE** |
| **COMPANY IN THE CITY OF NEW YORK** | **COMPANY IN THE CITY OF NEW YORK** |
| By: | ![LOGO](g898671dsp005a.jpg)  |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case Development |
| **NUVEEN SECURITIES, LLC** | **NUVEEN SECURITIES, LLC** |
| By: | ![LOGO](g898671dsp005b.jpg)  |
|  | Name: Nathaniel T. Jones |
|  | Title: Senior Managing Director |

---

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 **<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of July 31, 2025 except as otherwise indicated below)

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| | | |
|:---|:---|:---|
| Separate Account | Series Name and Shares Class | Fee |
| USL Separate | Nuveen Core Impact Bond Fund, | 0bp |
| Account RS | Class R6 |  |

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The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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 <u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation thereof.

<u>Reports</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Upon reasonable request, provide reporting to the Fund and its Boards of Trustees, in relation to trading
activity, compliance with the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

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 <u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The preparation, printing and distribution of reports of values to owners of Contracts who have contract values
allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or expenses
solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(8)(I)

FUND PARTICIPATION AGREEMENT

THIS FUND PARTICIPATION AGREEMENT, made and entered into this 26<sup>th</sup> day of January, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); each of Parnassus Funds and Parnassus Income Funds, each an open-end management investment company organized as a trust under the laws of Massachusetts (collectively, the "Fund"); Parnassus Investments, LLC, a limited liability company organized under the laws of Delaware and investment adviser to each series of the Fund (the "Adviser"); and Parnassus Funds Distributor, LLC, a limited liability company organized under the laws of Delaware and principal underwriter/distributor of the Fund (the "Distributor").

WHEREAS, the Fund engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

WHEREAS, the Company desires to be designated as a Service Agent within the meaning of that term as set out in the Fund's statutory prospectuses dated May 1, 2024, as amended and supplemented from time to time (the "Prospectus") and the Fund intends to designate the Company as such a Servicing Agent.

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Fund agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund in good order. For purposes of this Section 1.1, the Company will be the designee and Servicing Agent of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that (i) the Company receives the purchase order in good order before 4:00 p.m. Eastern Time and (ii) the Fund receives notice of such order by 11:00 a.m. Eastern Time on and payment by the next following Business Day. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission

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(the "Commission" or "SEC").

1.2 The Fund agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Designated Portfolios held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee and Servicing Agent of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided (i) the Company receives the redemption order in good order before 4:00 p.m. Eastern Time and (ii) the Fund receives notice of such requests for redemption by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the

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following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Trustees of the Fund (collectively, the "Fund Board") or its designee may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction is consistent with the policies and procedures established by the Fund Board to combat market timing or is, in the sole discretion of the Fund Board or its designee, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus(es) of the Fund in accordance with the provisions of such prospectus(es) , provided that in the event of a conflict between such prospectus and this Agreement, the terms and conditions of the prospectus(es) shall control.

1.8 Issuance and transfer of the Designated Portfolio's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use commercially reasonable efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. In the event that the Fund is unable to meet the 6:00 p.m. time stated herein, it shall provide additional time for the Company to place orders for the

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purchase and redemption of shares of the Designated Portfolios and wire net payments for the purchase of shares of the Designated Portfolios, subject to Section 1.2 hereof. Such additional time shall be equal to the additional time which the Fund takes to make the net asset value available to the Company. If the Fund provides the Company materially incorrect net asset value per share information (as determined under SEC guidelines), the Fund shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share. Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Fund.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect OFAC designated persons, money laundering and terrorist financing, including the reporting of suspicious activity, and that it has policies and procedures in place to address all applicable sanctions.

2.2 The Fund and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.3 The Fund currently intends that none of its classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Fund undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Fund and Adviser represent and warrant that the Fund is lawfully organized and validly existing under the laws of the State of Massachusetts and is and shall remain duly registered as a management open-end investment company under the 1940 Act. The Fund and Adviser represent and

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warrant that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Fund and Adviser represent and warrant that all of the Fund's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Fund represents and warrants that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that the Fund will notify the Company promptly upon having a reasonable basis for believing that it has ceased to so qualify.

3.2 [Reserved].

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund will timely provide the Company with as many copies of the current Fund Summary and Statutory prospectus in paper and electronic format (and in the case of electronic format, describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund shall bear the cost of providing the Company with electronic versions of summary prospectus disclosure related only to the Designated Portfolio(s).

4.2 The Fund on behalf of one or more Designated Portfolios will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply in all material respects with the

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requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply in all material respects with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Fund agrees that the Company is not required by the Fund to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Fund with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 The Fund shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Fund shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Fund shall be responsible for the content and substance of the Required Materials as provided to the Company. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit, subject to Rule 498 which permits summary
disclosures, to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials

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printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Fund shall provide the Fund Documents specified in Sections 4.10(a), (b), and (c) above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section 4.10(d) above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 The Fund shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 [Reserved].

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund or any of the Designated Portfolios of the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund or the Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund and the Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 The Fund will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications

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for exemptions, no-action letters issued to the Fund or the Adviser, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund and Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Fund and Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund and Adviser will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Fund, the Adviser and the Distributor (solely to indicate that the Distributor is serving as the Fund's underwriter), hereby consent to the Company's use of the names of the Fund, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the name Parnassus, and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Fund, the Adviser and the Distributor hereby consent to the use by the Company of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Fund's, the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Fund, the Adviser or the Distributor. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have an adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use

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materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Fund, Adviser and/or the Distributor.

5.10 The Fund, the Adviser, and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Fund, or the Adviser respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Fund will pay no fee or other compensation to the Company under this Agreement.

6.2 All expenses incident to performance by the Fund of this Agreement will be paid by the Fund to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), as well as the Contract owners number or participant account number associated with the Shareholder, if known, of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request

("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than 180 days prior to the day Company received the Request. The Fund may request Transaction

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Information older than 180 days from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Fund; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Fund; and (iv) are received by Company. Upon request of the Company, the Fund agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

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ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Fund, the Adviser, the Distributor, and each person, if any, who controls the Fund, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

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(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor (solely with respect to 2, 4 and 5 below) severally, and not jointly, agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made taking into consideration the totality of the disclosure in the Statutory Prospectus and SAI for the Fund; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of misstatements or misrepresentations of material fact (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or unlawful conduct of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser or the Fund or persons under the control of the Adviser or the Fund; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any material failure by the Distributor, or Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Distributor or the Fund in this Agreement, or arise out of or result from any other material breach of this Agreement by the Distributor or the Fund;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Distributor and the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION BY THE FUND

(a) The Fund agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.3) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Fund) or action in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements, are related to the sale, acquisition, or holding of the Fund shares or the Contracts, or operations of the Fund and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made taking into consideration the totality of the disclosure in the Statutory Prospectus and SAI for the Fund; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission of such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Adviser or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of misstatements or misrepresentations of material fact (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts or of the Fund, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the

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Adviser, Distributor or the Fund respectively) or wrongful conduct of the Fund or persons under the control of the Fund, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund or persons under the control of the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any material failure by the Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Fund in this Agreement or arise out of or result from any other material breach of this Agreement by the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) arise out of or result from the incorrect or untimely calculation or reporting of daily net asset value per share or dividend or capital gain distribution rate;

except to the extent provided in Sections 8.3(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Fund otherwise may have.

(b) No party will be entitled to indemnification under Section 8.3(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations and duties under this Agreement.

(b) The Indemnified Parties will promptly notify the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party within a reasonable time of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that such failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is prejudiced as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the

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fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or such judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the 1940 Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

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(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

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10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

If to the Fund:

If to the Adviser:

Scott Liffick

Parnassus Investments, LLC

1 Market Street, Suite 1600 San Francisco, CA 94105

(415) 778-2661

(415) 778-0229 (facsimile)

scott.liffick@parnassus.com, hayden.turner@parnassus.com, compliance@parnassus.com

If to the Distributor:

Parnassus Funds Distributor, LLC

Three Canal Plaza, Suite 100

Portland, Maine 04101

Email: legal@acaglobal.com.com

With a copy to: dealerservices@acaglobal.com.com

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

12.2 The Fund and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Fund and the Adviser agree that if they

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come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Fund or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Fund or the Adviser, the Fund and the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law or judicial process. The Fund and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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| | |
|:---|:---|
| PARNASSUS INCOME FUNDS | PARNASSUS INCOME FUNDS |
| By: | /s/ Nikhil Joe Sinha |
| Name: | Nikhil Joe Sinha |
| Title: | Chief Marketing Officer, Parnassus Investments |

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| | |
|:---|:---|
| PARNASSUS INVESTMENTS, LLC | PARNASSUS INVESTMENTS, LLC |
| By: | /s/ Nikhil Joe Sinha |
| Name: | Nikhil Joe Sinha |
| Title: | Chief Marketing Officer, Parnassus Investments |

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| | |
|:---|:---|
| PARNASSUS FUNDS DISTRIBUTOR, LLC | PARNASSUS FUNDS DISTRIBUTOR, LLC |
| By: | /s/ Teresa Cowan |
| Name: | Teresa Cowan |
| Title: | President, ACA |

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THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

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| | |
|:---|:---|
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |

---

------

Exhibit A

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Please provide the following information about the Contract to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*:<u> </u> |
| Please provide the following information about the Portfolio to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name:<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager:<u> </u> |
| Please provide the following information about the time period for which trading should be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

------

PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

------

PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

Parnassus Core Equity Fund

## Ex-99.(H)(8)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of January 26, 2025, is by and between Parnassus Investments, LLC ("Adviser"), organized under the laws of Delaware and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, the each of Parnassus Funds and Parnassus Income Funds (collectively, the "Fund") is registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "Act") that offers several series for which Adviser, a registered investment adviser under the Investment Advisers Act of 1940, serves as the investment adviser; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with the Fund (the "Participation Agreement"), pursuant to which the Fund has agreed to make shares of one or more of its series (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, the Adviser desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund in connection with the Series, the shares of which are beneficially owned by Contract owners; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

WHEREAS, the Company expects that the Fund and its Series can derive certain benefits from the Company's performance of the Services.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. The Adviser agrees to pay to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified

------

in Schedule I. Such fee shall be accrued monthly based on average daily net assets and paid on a quarterly basis. The Adviser shall make such payment to the Company, without demand or notice by the Company, within 30 days after the end of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature</u><u> </u><u>of</u> <u>Payments.</u> The Parties agree that the Adviser's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses. The Adviser shall make the payments to the Company from the Adviser's own resources, including, but not limited to, profits earned under its Investment Advisory and Management Agreement with the Fund. Nothing herein shall preclude the Fund from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the Act for the services described therein or pursuant to agreements otherwise approved by the Fund's board of directors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company</u><u> </u><u>not</u><u> </u><u>an</u><u> </u><u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Adviser or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written Reports.</u> The Company will provide the Adviser with such information as the Adviser may reasonably request and will cooperate with and assist the Adviser in the preparation of reports, if any, to be furnished to the Trustees of the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination.</u> With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 180 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless the Adviser and its officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

The Adviser agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser) or litigation (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by the Adviser under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u><u> </u><u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: Johnpaul S. Van Maele

Associate General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

------

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Adviser:

Scott Liffick

Director of Institutional Relations

Parnassus Investments, LLC

1 Market Street, Suite 1600 San Francisco, CA 94105

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(415) 778-2661

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(415) 778-0229 (facsimile)

scott.liffick@parnassus.com, hayden.turner@parnassus.com,

compliance@parnassus.com

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire Agreement.</u> This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

------

IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE** | **THE UNITED STATES LIFE INSURANCE** |
| **COMPANY IN THE CITY OF NEW YORK** | **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case |
|  | Development |
| **PARNASSUS INVESTMENTS, LLC** | **PARNASSUS INVESTMENTS, LLC** |
| By: | /s/ Nikhil Joe Sinha |
|  | Name: Nikhil Joe Sinha |
|  | Title: Chief Marketing Officer, Parnassus |
|  | Investments |

---

------

**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of January 26, 2025 except as otherwise indicated below)

---

| | | |
|:---|:---|:---|
| Separate Account | Series Name | Fee |
| USL Separate | Parnassus Core Equity Fund | 25bps |
| Account RS |  |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to the Fund and its Boards of Directors, in relation to trading
activity, compliance with the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

------

<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required by rules or regulations, distribution of shareholder reports, annual prospectuses, and annual
statements of additional information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract
values allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or
expenses solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(9)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 26 day of February, 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); each open-end management investment company as listed on Schedule B (each, the "Fund"); PGIM Investments LLC, a limited liability company organized under the laws of the New York and investment adviser to the Fund (the "Adviser"); and Prudential Investment Management Services LLC, a limited liability company organized under the laws of Delaware and principal underwriter/distributor of the Fund (the "Distributor").

WHEREAS, the Fund engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Fund agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC").

1.2 The Fund agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund

------

or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption by 11:00 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. The Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable (such time, the "Closing Time"). All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the

------

next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the Designated Portfolio is open as of the close of regular trading on the NYSE; provided, however, that the Board of Directors of the Fund (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus and consistent with the terms and conditions of this Agreement.

1.8 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. The Designated Portfolio shall make the determination as to whether an error in net asset value has occurred and is a material error in accordance with its own internal policies, which are consistent with SEC materiality guidelines. Any material error in the calculation or reporting of net asset value per share, dividend or capital gains information shall be reported promptly upon discovery to the Company and the Adviser shall bear the cost of correcting such errors and shall reimburse the Company for any reasonable expenses incurred related to correction of the net asset value (including correcting Contract owner accounts).

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws.

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The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.2 The Fund and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.3 The Fund currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Fund undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Fund and Adviser represent and warrant that the Fund is lawfully organized and validly existing under the laws of the State of Maryland and that the Fund does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Fund and Adviser represent and warrant that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Fund and Adviser represent and warrant that all of the Fund's directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

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2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of New York and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Fund and Adviser represent and warrant that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Fund and Adviser represent and warrant that the Fund is and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund will timely provide the Company with as many copies of the current Fund prospectus (describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s).

4.2 The Fund on behalf of one or more Designated Portfolios will provide the Company upon its written request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least thirty (30) days' prior written notice. The Fund agrees that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Fund with at least thirty (30) days' prior written

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notice of its intended use or termination of the use of the summary prospectuses.

4.5 The Fund shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Fund shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Fund shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Fund shall provide the Fund Documents specified in Sections [4.10(a), (b), and (c)] above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section [4.10(d)] above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 The Fund shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

The information referenced above in this Section 4.17(a), (b), and (c) shall be deemed to have provided pursuant to the requirements of this section if such information is either posted to the Designated Portfolio's public website or posted via N-CSR filings on the SEC's EDGAR data system.

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

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so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with written permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund or the Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund and the Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 The Fund will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, upon request and within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and

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promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund and Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund and Adviser will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Fund, the Adviser and the Distributor hereby consent to the Company's use of the names of the Fund, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the names or logos of the Fund, Adviser and Distributor , and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Fund, the Adviser and the Distributor hereby consent to the use of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Fund's, the Adviser's and/or the Distributor's approval of such use. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Fund, Adviser and/or the Distributor.

5.10 The Fund, the Adviser, the Distributor and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Fund, the Adviser or the Distributor, respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Fund will pay no fee or other compensation to the Company under this Agreement, except as provided below: (a) if the Fund or any Designated Portfolio adopts and implements a plan for one or more

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Classes of a Designated Portfolio pursuant to Rule 12b-1 under the 1940 Act to finance distribution and shareholder servicing expenses, then, subject to obtaining any required exemptive orders or other regulatory approvals, the Fund may make payments to the Company or to the underwriter for the Contracts if and in such amounts agreed to by the Fund in writing with respect to such Class or Classes; (b) If disclosed and permitted by the Designated Portfolio's Prospectus and applicable law, the Fund may pay fees to the Company for administrative services provided to Contract owners that are not primarily intended to result in the sale of shares of the Designated Portfolio or of underlying Contracts as separately agreed to in writing. For the avoidance of doubt, neither a Fund nor its affiliates may make or pay fees associated with or similar to distribution, sub-accounting, networking, revenue sharing, or administrative fees with respect to Class R6 shares of a Designated Portfolio.

6.2 All expenses incident to performance by the Fund of this Agreement will be paid by the Fund to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), [as well as the Contract owners number or participant account number associated with the Shareholder, if known,] of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). [It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request

("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.]

Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than [180 days] prior to the day Company received the Request. The Fund may request Transaction Information older than [180 days] from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

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7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Fund; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Fund; and (iv) are received by Company. Upon request of the Company, the Fund agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

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ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Fund, the Adviser, the Distributor, and each person, if any, who controls the Fund, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with written information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement or alleged untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with written information furnished to the Fund by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

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(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor jointly and severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with written information furnished to the Adviser, Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or wrongful conduct of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with written information furnished to the Company by or on behalf of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser, Distributor, or Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser, Distributor or the Fund in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser, Distributor or the Fund;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser and the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION BY THE FUND

(a) The Fund agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.3) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Fund) or action in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements, are related to the sale, acquisition, or holding of the Fund shares or the Contracts, or operations of the Fund and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission of such alleged statement or omission was made in reliance upon and in conformity with written information furnished to the Adviser, Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts or of the Fund, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or wrongful conduct of the Fund or persons under the control of the Fund, with respect to the sale or distribution of the Contracts or Fund shares; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission or alleged omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with written information furnished to the Company by or on behalf of the Fund or persons under the control of the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Fund in this Agreement or arise out of or result from any other material breach of this Agreement by the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) arise out of or result from the incorrect or untimely calculation or reporting of daily net asset value per share or dividend or capital gain distribution rate;

except to the extent provided in Sections 8.3(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Fund otherwise may have.

(b) No party will be entitled to indemnification under Section 8.3(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations and duties under this Agreement.

(b) The Indemnified Parties will promptly notify the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon thirty (30) days advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole

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judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by

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any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Fund, Adviser or Distributor:

Scott Benjamin, EVP

PGIM Investments LLC

655 Broad Street, 19<sup>th</sup> Floor

Newark, NJ 07102

e-mail: <u>scott.benjamin@pgim.com</u>

cc:

Peter Bednarczyk, VP

PGIM Investments LLC

655 Broad Street, 19<sup>th</sup> Floor

Newark, NJ 07102

e-mail: <u>peter.bednarczyk@pgim.com</u>

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

12.2 The Fund and the Adviser acknowledge that the identities of the customers of the Company or any of its affiliates (collectively the "Protected Parties" for purposes of this Section 12.2), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this

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Agreement are the valuable property of the Protected Parties. The Fund and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, or any other property of the Protected Parties, other than such information as may be independently developed or compiled by the Fund or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with the Fund or the Adviser, the Fund and the Adviser will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law or judicial process. The Fund and the Adviser acknowledge that any breach of the agreements in this Section 12.2 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

Each party to this Agreement acknowledges that in order to perform the duties called for in this Agreement, it may be necessary for a party ("owner") to disclose to the other party (ies) certain "Confidential Information." Confidential Information means non-public, proprietary information, data or know-how of an owner, including, but not limited to, personal information of an owner's customers. No party will use another party's Confidential Information except as required for the performance of this Agreement. Each party will use commercially reasonable efforts in a manner fully consistent with industry standards and applicable federal, state and international laws and regulations to hold in confidence a party's Confidential Information. Notwithstanding the foregoing, Confidential Information does not include information which is: (i) already in the possession of the receiving party or its subsidiaries and not subject to a confidentiality obligation to the providing party; (ii) independently developed by the receiving party; (iii) publicly disclosed or in the public domain through no fault of the receiving party; (iv) rightfully received by the receiving party or its subsidiaries from a third party that is not under any obligation to keep such information confidential; (v) approved for release by written agreement with the owner; or (vi) disclosed pursuant to the requirements of law, regulation or court order

Each party to this Agreement represents, warrants and agrees that it has adopted and implemented, and will continue to have in place and follow for the term of this Agreement and thereafter, appropriate policies and procedures designed to detect, prevent and mitigate the risk of identity theft and other breaches of privacy concerning Confidential Information. Each party agrees to take immediate and appropriate measures to respond to any breach of privacy concerning Confidential Information of the owner, and to notify the owner in writing regarding such breach in the most expedient time possible and without unreasonable delay; provided, however, that a party may postpone providing such notice as the party deems consistent with the legitimate needs of law enforcement. Each party further agrees to provide the owner with a copy of its plan to remediate any such breach and to pay for all costs associated with such remediation and with providing written notice of such breach to the applicable party.

12.3 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.4 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.5 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.6 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto. In the event an assignment is deemed to have occurred due to a transfer a "controlling" block of outstanding voting securities of a party or a party's parent company within the meaning of Section 2(a)(4)

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of the 1940 Act (a "Change of Control"), consent will be deemed to have occurred if the party experiencing the Change of Control requests a consent in writing to the assignment from the other party before the Change of Control was deemed to have occurred or as soon as practicable thereafter and has received no dissenting response from the other party within a reasonable time, otherwise known as "negative consent."

12.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.8 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.9 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.10 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.11 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.12 [RESERVED]

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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| | |
|:---|:---|
| EACH FUND AS LISTED ON SCHEDULE B TO THIS AGREEMENT | EACH FUND AS LISTED ON SCHEDULE B TO THIS AGREEMENT |
| By: | /s/ Scott Benjamin |
| Name: | Scott Benjamin |
| Title: | EVP |

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| | |
|:---|:---|
| PGIM INVESTMENTS LLC | PGIM INVESTMENTS LLC |
| By: | /s/ Scott Benjamin |
| Name: | Scott Benjamin |
| Title: | EVP |

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| | |
|:---|:---|
| PRUDENTIAL INVESTMENT MANAGEMENT SERVCICES LLC | PRUDENTIAL INVESTMENT MANAGEMENT SERVCICES LLC |
| By: | /s/ Andre Carrier |
| Name: | Andre Carrier |
| Title: | President PIMS |

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| | |
|:---|:---|
| THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK |
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |

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Exhibit A

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com,</u>** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

Please provide the following information about the Contract to be restricted:

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |

---

Please provide the following information about the Portfolio to be restricted:

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name:<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager:<u> </u> |

---

Please provide the following information about the time period for which trading should be restricted:

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com,</u>** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

------

PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

**PRUDENTIAL INVESTMENT PORTFOLIOS, INC. 15 (1 FUND)** 

PGIM High Yield Fund, Class R6

## Ex-99.(H)(9)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of February 26, 2025, is by and between PRUDENTIAL MUTUAL FUND SERVICES LLC ("PMFS") ("PMFS"), organized under the laws of New Jersey and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, Prudential Investment Portfolios Inc., 15 (the "Portfolio") is registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "Act") that offers several series, including PGIM High Yield Fund (the "Fund") for which PMFS serves as transfer agent; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with, among other parties, the Portfolio (the "Participation Agreement"), pursuant to which the Fund has agreed to make shares of classes (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, the Company desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund in connection with the Series, the shares of which are beneficially owned by Contract owners; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

WHEREAS, the Company expects that the Fund can derive certain benefits from the Company's performance of the Services.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be

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amended from time to time. PMFS agrees to pay to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified in Schedule I. Such fee, if any, shall be accrued monthly based on average daily net assets and paid on a quarterly basis. PMFS shall make any such payment to the Company, without demand or notice by the Company, within 30 days after the end of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature</u><u> </u><u>of</u><u> </u><u>Payments.</u> The Parties agree that to the extent payments are made under this Agreement, PMFS's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses. Nothing herein shall preclude the Fund from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the Act for the services described therein or pursuant to agreements otherwise approved by the Fund's board of directors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company</u><u> </u><u>not</u><u> </u><u>an</u> <u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for PMFS or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written</u><u> </u><u>Reports.</u> The Company will provide PMFS with such information as PMFS may reasonably request and will cooperate with and assist PMFS in the preparation of reports, if any, to be furnished to the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination.</u> With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with sixty (60) days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless PMFS and its officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

PMFS agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of PMFS) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by PMFS under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u><u> </u><u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: Johnpaul S. Van Maele

Associate General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

------

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to PMFS:

Scott Benjamin, EVP

PGIM Investments LLC

655 Broad Street, 19<sup>th</sup> Floor

Newark, NJ 07102

e-mail: <u>scott.benjamin@pgim.com</u>

cc:

Peter Bednarczyk, VP

PGIM Investments LLC

655 Broad Street, 19<sup>th</sup> Floor

Newark, NJ 07102

e-mail: <u>peter.bednarczyk@pgim.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Funds available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

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IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE**<br> **COMPANY IN THE CITY OF NEW YORK** | **THE UNITED STATES LIFE INSURANCE**<br> **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Name: Barbara Rayll <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Title: Vice President, Business Case Development

PRUDENTIAL MUTUAL FUND SERVICES LLC

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| | |
|:---|:---|
| By: | /s/ Paul Schlenker |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Name: Paul Schlenker <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Title: Senior Vice President

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**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of February 26, 2025 except as otherwise indicated below)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate Account | Series Name | Fee |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; USL Separate | PGIM High Yield Fund, Class R6 | [0 bps] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Account RS |  |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

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<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Provide reporting to the Fund and its Boards of Directors, in relation to trading activity, compliance with
the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of reports to third-party reporting services.

Exhibit A-1

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<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Distribution of shareholder reports, annual prospectuses, and annual statements of additional information to
existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract values
allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or expenses
solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(10)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 1st day of May , 2025 (the "Agreement") by and among The United State Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, (each account referred to as the "Account" and collectively as the "Accounts"); T. Rowe Price Investment Services, Inc., a Maryland corporation ("Distributor"), T. Rowe Price Services, Inc., a Maryland corporation ("Transfer Agent"), and T. Rowe Price Associates, Inc., a Maryland corporation ("Adviser"). Distributor, Transfer Agent and Adviser collectively, "T. Rowe Price."

WHEREAS, the T. Rowe Price Funds are registered as open-end management investment companies under the Investment Company Act of 1940, as amended (the "1940 Act") and the shares are registered under the Securities Act of 1933, as amended (the "1933 Act") (each, a "Fund", and collectively the "Funds");

WHEREAS, the Distributor is registered as a broker-dealer with the Securities Exchange Commission ("SEC") under the Securities Exchange Act of 1934, as amended (the "1934 Act"), and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA");

WHEREAS, the Transfer Agent is the registered transfer agent of the Funds;

WHEREAS, the Adviser is duly registered as an investment adviser under the Investment Adviser's Act of 1940;

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts");

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Funds named in Schedule B, as such schedule may be amended from time to time (on behalf of the Accounts to fund the Contracts.

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Transfer Agent, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 T. Rowe Price agrees to sell to the Company those shares of the Fund which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order no later than 8:00 a.m. Eastern Time on the next following Business Day. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC"). "Closing Time" will mean the exact time on a Business Day when the New York Stock Exchange is closed for trading.

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1.2 T. Rowe Price agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption no later than 8:00 a.m. Eastern Time on the next following Business Day . The Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the 1940 Act.

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Distributor or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received before Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company on or after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC, subject to the Funds right to delay settlement as is described in the Funds' prospectus and Section 1.2 of this Agreement.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The

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Company will place separate orders to purchase or redeem shares of each Fund. Each order shall describe the net amount of shares and dollar amount of each Fund to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase orders by wiring federal funds to the Fund or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to purchase Fund shares is made in accordance with the provisions of Section 1.1 hereof. Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account by Closing Time on the next Business Day after an order to redeem a Fund's shares is made in accordance with the provision of Section 1.2 hereof, subject to the Funds right to delay settlement as is described in the Funds' prospectus and Section 1.2 of this agreement. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 T. Rowe Price agrees to make shares of the Funds available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Directors of the Fund (the "Fund Board") may refuse to sell shares of any Fund to any person, or suspend or terminate the offering of shares of any Fund if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Fund.

1.5 The Company agrees to purchase and redeem the shares of the Funds offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus.

1.6 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.7 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Fund's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Fund shares in the form of additional shares of that Fund at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.8 T. Rowe Price shall make the Funds' net asset value per share available to the Company on a daily basis as soon as reasonably practical after the net asset value per share is calculated and shall use its best efforts to make such net asset value per share available by 7:00 p.m. Eastern time.

1.9 Any material error in the calculation or reporting of a Fund's net asset value per share, dividend or capital gain information triggering a material impact to the Fund, shall be reported reasonably promptly upon discovery by T. Rowe Price to the Company. If the Fund provides the Company with materially incorrect net asset value information, through no fault of the Company, the Company shall be entitled to (1) an adjustment with respect to the Fund shares purchased or redeemed to reflect the correct net asset value per share ("Adjustment") and (2) reimbursement of out-of-pocket expenses, up to $30,000 per pricing error occurrence, incurred by the Company in connection with the Company's responsibility to adjust any plan participant's account value affected by the materially incorrect net asset value; provided, the Company adjusts all Contract owner and plan participant's accounts invested in the Account

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and nets Contract owner gains with losses. Any necessary Adjustment hereunder shall be made or paid as applicable no later than fifteen (15) Business Days, if reasonably practicable, after the receipt of notice from T. Rowe Price; provided however, that the Company shall not be required to repay an overpayment forwarded to a plan participant that is no longer a client of the Company. The determination of materiality of any net asset value pricing error shall be based on the SEC's recommended guidelines regarding such errors. Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported promptly upon discovery by the Fund to the Company.

ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the 1933 Act, or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.3 The Adviser and the Distributor each represents and warrants that shares of the Fund sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Fund are sold. The Adviser will amend the Funds registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Adviser will register and qualify the shares of the Fund for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.4 Each party represents and warrants that it is lawfully organized and validly existing under the laws its state of incorporation and that each party will comply in all material respects with all applicable law, rules and regulations in connection with this Agreement and any activities contemplated hereunder including without limitation, the provisions of the 1940 Act and any applicable regulations thereunder. Each party represents and warrants that it will comply with applicable federal and state law.

2.5 Adviser represents and warrants that all of their directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions

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as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Maryland and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the 1934 Act and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Maryland and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 T. Rowe Price represents and warrants that each Fund is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Adviser represents and warrants that the Fund is in and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus or summary prospectus supplement, when that supplement is issued), T. Rowe Price, or its affiliate on its behalf), will timely provide the Company with as many copies of the current Fund prospectus (describing only the Fund(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation.

4.2 T. Rowe Price, or its affiliate on its behalf, on behalf of one or more Funds will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. T. Rowe Price represents and warrants that it has established policies and procedures reasonably designed to comply with the requirements of Rule 498 applicable to its Funds and their summary prospectuses.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses, for existing Contract Owners, containing

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the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

4.4 T. Rowe Price may require the Company to terminate the use of the summary prospectuses by providing the Company with at least sixty (60) days' prior written notice, provided however that this requirement shall not prohibit the Fund from updating any summary prospectuses as deemed appropriate, in its sole discretion. T. Rowe Price acknowledges that the Company is solely responsible to ensure that summary prospectuses are delivered to Contract Owners in compliance with all applicable laws, rules and regulations and that any use of such summary prospectuses will be in the discretion of the Company. The Company shall provide T. Rowe Price with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 T. Rowe Price (or its agents) shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Fund Holdings for Most Recent First and Third Fiscal Quarters

4.6 T. Rowe Price shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 T. Rowe Price shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the T. Rowe Price shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials

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printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Funds; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Funds.

4.11 The Fund shall provide the Fund Documents specified in Sections 4.10(a), (b), and (c) above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section 4.10(d) above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 T. Rowe Price shall provide such data regarding each Fund's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the T. Rowe Price shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than ninety (90) calendar days after the close of each Fund's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Fund calculated in accordance with Item 3 of
Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Fund calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements or fee waiver
arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Fund (before taxes) as calculated pursuant to Item
4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Funds held in the Account in accordance with instructions received from Contract owners;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Funds held in the Account for which no timely instructions have been received, in the same
proportion as shares of such Fund for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders, and in particular, the Fund either will provide for annual meetings (except insofar as the Commission may interpret Section 16 of the 1940 Act not to require such meetings) or, as the Fund currently intends, to comply with Section 16(c) of the 1940 Act (although the Fund is not one of the trusts described in Section 16(c) of the 1940 Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Fund will act in accordance with the Commission's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the Commission may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least fifteen (15) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within fifteen(15) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 T. Rowe Price will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least fifteen (15) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 T. Rowe Price will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the

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Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 T. Rowe Price will provide to the Company at least one complete copy of all registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Fund, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 T. Rowe Price hereby grants to Company a non-exclusive, non-transferable, royalty-free license (with no right to sublicense) to display or otherwise use the trademarks of T. Rowe Price in connection with its obligations under this Agreement until termination or expiration of this Agreement or upon receipt of notice from T. Rowe Price to cease use, whichever occurs first ("Permitted Use"). T. Rowe Price will have the sole right to determine the manner and use of T. Rowe Price's trademarks by Company. Company agrees that no right, title or interest in T. Rowe Price's trademarks is granted to Company under this Agreement. Any other use not stated in this Agreement requires the prior written approval of T. Rowe Price. Company agrees, represents, and warrants that the Permitted Use will inure to the benefit of T. Rowe Price. Company shall not challenge or threaten to challenge T. Rowe Price's trademarks or this Agreement or do anything inconsistent with T. Rowe Price's ownership of its trademarks, worldwide.

5.10 Company agrees, represents, and warrants that the form, manner, nature, and quality of the Permitted

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Use will conform to standards set by and under the control of T. Rowe Price. Company shall provide T. Rowe Price with specimens or examples of the Permitted Use upon T. Rowe Price's request. Company shall only use the digitized image files of T. Rowe Price's trademarks with the appropriate registration symbols, as provided by T. Rowe Price. T. Rowe Price may change the form of its trademarks at any time upon written notice to Company, in which case Company shall use only the most current form of T. Rowe Price's trademarks. Company shall not use T. Rowe Price's trademarks in a disparaging manner and shall exercise all due and proper care to ensure that the manner in which it performs its obligations under this Agreement does not disparage or have any adverse effect on the name, trademarks, or business of T. Rowe Price or its affiliates.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1. [Reserved]

6.2 All expenses incident to performance of this Agreement will be paid by the Fund to the extent permitted by law. All shares of the Funds will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Funds in electronic or typeset format, as well as any other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 The Company agrees to provide T. Rowe Price, or its designee, upon written request, the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") , or other government-issued identifier ("GII"), if known, of any or all Clients and the amount, date, name or other identifier and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of shares held through the account during the period covered by the request.

7.2 Requests must set forth a specific period for which transaction information is sought, which will generally not exceed <u>ninety (90)</u> <u>calendar days</u> of transaction information. T. Rowe Price, or its designee, will not request transaction information older than <u>twelve (12)</u> <u>months</u> from the date of the request unless T. Rowe Price deems it necessary to investigate compliance with policies established by the Fund for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by the Fund.

7.3 Company agrees to transmit the requested information that is on its books and records to Transfer Agent, or its designee, promptly, but in any event not later than ten (<u>10</u>) business days or such other time as agreed to by both parties, after receipt of a request. If requested by T. Rowe Price or its designee, Company agrees

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to use its commercially reasonable efforts to determine promptly whether any specific person about whom it has received the identification and transaction information specified in Article 1. above is itself a financial intermediary ("Indirect Intermediary") and, upon further request of T. Rowe Price, or its designee, promptly (within the time period designated above): (1) provide or arrange to provide to T. Rowe Price or its designee, the information in Article 1 above for those Clients who hold an account with an Indirect Intermediary, or (2) if directed by T. Rowe Price, restrict or prohibit further purchases of the Fund from such Indirect Intermediary. In such instances, Company agrees to inform T. Rowe Price whether it plans to perform (1) or (2). Responses required by this paragraph must be communicated in writing and in a format mutually agreed upon by the parties. To the extent practicable, the format for any transaction information provided to Price Services or its designee, should be consistent with the NSCC Standardized Data Reporting Format. For purposes of this provision, an "Indirect Intermediary" generally has the same meaning as in Rule 22c-2 under the Investment Company Act of 1940 as if the Funds were subject to such provisions directly.

7.4 T. Rowe Price agrees not to use the information received for marketing or any other similar purpose.

7.5 Company agrees to execute written instructions from T. Rowe Price to restrict or prohibit further purchases into the Fund or take such other action as requested by Price Services for a Client that has been identified by T. Rowe Price as having engaged in transactions of the Fund (directly or indirectly through the Company's account) that violate policies established by the Fund for the purpose of eliminating or reducing any dilution of the value of the outstanding shares of the Fund.

7.6 Instructions referenced in Article 7.5 above must include the TIN, ITIN or GII if known, and the specific restriction(s) to be executed. If the TIN, ITIN or GII is not known, the instructions must include an equivalent identifying number of the Clients or account(s) or other agreed upon information to which the instruction relates.

7.7 Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days after receipt of the instructions.

7.8 Company must provide written confirmation to T. Rowe Price, that instructions have been executed as soon as reasonably practicable, but not later than ten (10) business days after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 The Company shall indemnify and hold harmless T. Rowe Price and each of its affiliate companies, each Fund, and the directors, officers, agents, employees and assigns of each of the foregoing (collectively "Fund Indemnified Parties"), against and from any and all demands, damages, liabilities, and losses, or any pending or completed actions, claims, suits, complaints, proceedings, or investigations (including reasonable attorney fees and other costs, including all expenses of litigation or arbitration, judgments, fines or amounts (each a "Loss" and collectively "Losses") paid in any settlement consented to by the Company) to which any of them may be or become subject as a result or arising out of (a) any negligent act or omission by the Company, or their agents relating to an instruction received by T. Rowe Price regarding the purchase or sale of the Funds either through the NSCC or a manual transaction as described in Article 1("Instruction"); (b) any material breach of the Company's representations or warranties contained in this Agreement; (c) the failure of the Company to comply with any of the terms of this Agreement; or (d) Indemnified Party's acting upon an Instruction from the Company. The Company represents and warrants that at all times it has sufficient financial resources, whether through a fidelity bond or otherwise, to meet all of its indemnification obligations arising under this Agreement.

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8.2 The Company's obligation to indemnify shall not apply to any Loss occasioned by any negligent act or omission of the Fund Indemnified Parties, including effecting any Instruction properly issued by the Company in accordance with this Agreement, provided the Company has acted without negligence, willful misconduct or bad faith.

8.3 T. Rowe Price shall indemnify and hold harmless the Company, its parent company and each of its affiliate companies, and the directors, officers, agents, employees and assigns of each of the foregoing (collectively "Company Indemnified Parties"), against and from any and Losses including any settlement consented to by T. Rowe Price) to which any of them may be or become subject as a result or arising out of (a) any negligent act or omission by T. Rowe Price, or their agents relating to an Instruction; (b) any material breach of T. Rowe Price's representations or warranties contained in this Agreement; or (c) the failure of T. Rowe Price to comply with any of the terms of this Agreement.

8.4 T. Rowe Price's obligation to indemnify shall not apply to any Loss occasioned by any negligent act or omission of the Company Indemnified Parties, including effecting any Instruction in accordance with this Agreement, provided T. Rowe Price has acted without negligence, willful misconduct or bad faith.

8.5 In order that the indemnification provisions contained herein shall apply, upon the assertion of a Loss for which a party may be required to indemnify another party, the party seeking indemnification shall promptly notify the other party of such assertion of Loss, and shall keep the other party advised with respect to all developments concerning such Loss. The party who may be required to indemnify shall have the option to participate at its expense with the party seeking indemnification in the defense of such Loss. The party seeking indemnification shall in no case confess any claim or make any compromise in any case in which the other party may be required to indemnify it except with the other party's prior written consent.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the U.S. federal courts within the Southern District of of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon six (6) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

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(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

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10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts; provided, however, that nothing in this section 10.3 shall be deemed to prevent the liquidation of any Fund by T. Rowe Price as determined in T. Rowe Price's sole discretion.

10.4 SURVIVING PROVISIONS

Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Transfer Agent:

4515 Painters Mill Road

Owings Mills, Maryland 21117

Attn: Intermediary Services

Email: <u>intermediaryservices@troweprice.com</u>

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If to the Underwriter or the Adviser:

4515 Painters Mill Road

Owings Mills, Maryland 21117

Attn: Legal Department

Email: <u>legal-US_Intermediary_Distribution_Team@troweprice.com</u>

ARTICLE XII: MISCELLANEOUS

12.1 The Fund and the Adviser acknowledge that the identities of the customers of the Company (collectively the "Protected Parties" for purposes of this Section 12.1), information maintained regarding those customers, and all computer programs and procedures developed by the Protected Parties or any of their employees or agents in connection with the Company's performance of its duties under this Agreement are the valuable property of the Protected Parties. The Fund and the Adviser agree that if they come into possession of any list or compilation of the identities of or other information about the Protected Parties' customers, other than such information as may be independently developed or compiled by the Fund or the Adviser from information supplied to them by the Protected Parties' customers who also maintain accounts directly with T. Rowe Price, T. Rowe Price will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with the Company' s prior written consent; or (b) as required by law, regulatory authority, or judicial process. T. Rowe Price acknowledges that any breach of the agreements in this Section 12.1 would result in immediate and irreparable harm to the Protected Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the Protected Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

12.2 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.3 This Agreement may be executed in any number of counterparts, including facsimile copies thereof or electronic scan copies thereof delivered by electronic mail, each of which taken together will constitute one and the same instrument.

12.4 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.5 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.6 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.7 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.8 Each party to this Agreement will reasonably cooperate with each other party and all governmental and regulatory authorities with jurisdiction over such party.

12.9 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as

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applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.10 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Funds or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

*Signature page to follow* 

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IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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| | |
|:---|:---|
| T. ROWE PRICE SERVICES, INC. | T. ROWE PRICE SERVICES, INC. |
| By: | /s/ William Presley |

---

Name: William Presley

Title: Vice President

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| | |
|:---|:---|
| T. ROWE PRICE ASSOCIATES, INC. | T. ROWE PRICE ASSOCIATES, INC. |
| By: | /s/ William Presley |

---

Name: William Presley

Title: Vice President

T ROWE PRICE INVESTMENT SERVICES, INC.

---

| | |
|:---|:---|
| By: | /s/ William Presley |

---

Name: William Presley

Title: Vice President

THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

---

| | |
|:---|:---|
| By: | /s/ Barbara Rayll |

---

Name: Barbara Rayll

Title: Vice President, Business Case Development

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**Exhibit A** 

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Please provide the following information about the Contract to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*:<u> </u> |
| Please provide the following information about the Portfolio to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name:<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager:<u> </u> |
| Please provide the following information about the time period for which trading should be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in the Fund shown in Schedule B; provided, however the parties may mutually agree to allow investments in Separate Accounts subsequent to the Effective Date of this Agreement without the need for an amendment to this Schedule A:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Fund(s):

Any Fund currently available for purchase as mutually agreed upon by the parties shall be deemed to be included on this Schedule B.

## Ex-99.(H)(10)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of May 1, 2025, is by and between T. Rowe Price Services, Inc. (the "Transfer Agent"), organized under the laws of Maryland and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, the T. Rowe Price Funds (each a "Fund" or collectively the "Funds") are registered with the Securities and Exchange Commission ("SEC") as open-end management investment companies under the Investment Company Act of 1940, as amended (the "Act");

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts;

WHEREAS, the Company has entered into a Fund Participation Agreement, as may be amended from time to time, (the "Participation Agreement"), pursuant to which the Funds are available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts;

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Fund and to operate as a two-tier investment company;

WHEREAS, the Company will provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund, the shares of which are beneficially owned by Contract owners;

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services; and

WHEREAS, certain classes of the Funds have instituted a program ("Program") whereby they may, in their discretion, pay the Company a fee to compensate the Company for certain expenses incurred as a result of providing such Services to the Contract owners as described herein.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Services. The Company agrees to perform, or arrange to perform, some or all of the Services. Each Fund and/or class of shares identified in the Fund's Statement of Additional Information as having adopted the Program, with respect solely to the investment in such Fund by the Company, shall pay the Company on a monthly basis the fee set forth on Schedule I of this Agreement ("Payment"); provided, however:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The Company agrees to promptly notify Transfer Agent of any changes in account information that may impact Payment, including but not limited to: new plans, new accounts, change in account registration, or addition of new accounts due to a merger, acquisition or other corporate action. Payment under this Agreement will not begin until the Transfer Agent is notified. Transfer Agent reserves the right to terminate Payment until such notification has been received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Payments will begin the calendar month in which Transfer Agent receives the fully- executed Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. At the request of Transfer Agent, the Company shall provide written certification that it continues to perform the Services listed in Exhibit A.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Nature of Payments. The parties agree that the Payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Representations, Warranties and Covenants:

A. Company hereby represents and warrants to Transfer Agent the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Company is a corporation duly organized, existing in good standing under the laws of the state of _New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It has full power and authority under applicable law, and has taken all action necessary, to enter into and perform this Agreement, and the performance of its obligations hereunder does not and will not violate or conflict with any governing documents or agreements of Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. It has all requisite licenses and authority to carry on its business in all jurisdictions in which it conducts business.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. It has the necessary facilities, equipment and qualified personnel to perform, and will perform, its duties and obligations hereunder in accordance with (i) the terms of this Agreement, in a businesslike and competent manner, (ii) all laws, rules and regulations, and (iii) the Funds' prospectuses and SAIs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. In case of any requests or demands for the inspection of Contract Owner's records of a Fund by any governmental agency or otherwise pertaining to any aspect of the duties covered by this Agreement, it will promptly notify Transfer Agent in writing as to such inspection prior to turning over such records unless prohibited by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. It recognizes and agrees that each Fund's Payment to the Company under this Agreement represents compensation for Services only and does not constitute payment in any manner for investment advisory services or for costs of distribution of the Fund's shares.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. It warrants that the fee described in Schedule I shall be in addition to and not duplicative of any fees received for other services performed by Company for any Funds offered by Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. It will disclose the fee arrangements provided for in this Agreement, as required by applicable laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. It agrees to notify Transfer Agent promptly in the event that it is, for any reason, unable to perform any of its obligations under this Agreement or it ceases to perform the Services with respect to any investments in a Fund for which the Company is being paid a fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. The Company may legally receive the payment contemplated by the Agreement and its acceptance of the Payment is in accordance with all applicable rules and regulations, including the Employee Retirement Income Security Act of 1974 ("ERISA") and the Internal Revenue Code. The Company represents and warrants that (a) its receipt of compensation pursuant to the Agreement will not constitute a non-exempt "prohibited transaction" within the meaning of ERISA § 406 and IRC § 4975; and (b) receipt of such compensation has been fully disclosed as required under ERISA and all applicable laws, rules and regulations.

B. Transfer Agent hereby represents and warrants to Company the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is a corporation duly organized, existing and in good standing under the laws of the State of Maryland.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is authorized to enter into this Agreement, and the performance of its obligations hereunder does not and will not violate or conflict with any governing documents or agreements of or on behalf of the Funds.

iii. It agrees to notify the Company promptly in the event that it is, for any reason, unable to perform any of its obligations under this Agreement.

4. Expenses. Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

5. Company not an Agent. It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Transfer Agent or Fund.

6. Written Reports. The Company will provide the Transfer Agent with such information as the Transfer Agent may reasonably request and will cooperate with and assist the Adviser in the preparation of reports, if any, to be furnished to the [Directors] of the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

7. Termination. With respect to any Separate Account and the Fund, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 30 days' prior written notice, without the payment

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of any penalty. The Funds reserve the right to decrease the payment made by any Fund with thirty (30) days written notice to the Company.

This Agreement will terminate automatically with respect to any Separate Account and Fund covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund for as long as assets of such Fund remains invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund. Upon redemption of such assets, and provided that the Fund no longer continues to make Fund shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

8. Amendment. This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

9. Indemnification. The Company agrees to indemnify and hold harmless the Transfer Agent, its affiliates, and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to (i) the performance or non-performance by the Company of its obligations under this Agreement or (ii) any material breach by Company of any representation, warranty, covenant or agreement contained in this Agreement.

The Transfer Agent agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to (i) the performance or non-performance by the Transfer Agent under this Agreement or (ii) any material breach by Transfer Agent of any representation, warranty, covenant or agreement contained in this Agreement.

10. Miscellaneous

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors and Assigns; Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned

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without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to Transfer Agent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;T. Rowe Price Services, Inc.

4515 Painters Mill Road

Owings Mills, Maryland 21117

Attn: Legal Department

Email: <u>Legal-US_Intermediary_Distribution@troweprice.com</u>

With a copy to:

Email: <u>afp@troweprice.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement, including Schedule 1 and Exhibit A and constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, including electronic scan copies thereof sent by electronic mail, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK** | **THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case Development |
| **T. ROWE PRICE SERVICES, INC.** | **T. ROWE PRICE SERVICES, INC.** |
| By: | /s/ William Presley |
|  | Name: William Presley |
|  | Title: Vice President |

---

------

**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of May 1, 2025 except as otherwise indicated below)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Separate Account | Series Name | Fee |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; USL Separate | Class I of the Funds | 0bp |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Account RS |  |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

------

<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to the Fund and its Boards of Directors, in relation to trading
activity, compliance with the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Company from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

------

<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract
values allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or
expenses solely in connection with their provision of administrative services, similar to the services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series;

Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(H)(11)(I)

**<u>FUND PARTICIPATION AGREEMENT</u>**

THIS AGREEMENT (the "Agreement"), made and entered into as of this 13<sup>th</sup> day of March, 2025, by and among THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York life insurance company (hereinafter the "Company"), on its own behalf and on behalf of the separate accounts listed on Schedule A hereto, a segregated asset account of the Company (each referred to as an "Account"), each fund listed on Schedule A (collectively, the "Funds"), THE VANGUARD GROUP, INC., a Pennsylvania corporation (the "Adviser"). The Company, the Funds and the Adviser are referred to herein collectively as the "Parties".

WITNESSETH:

WHEREAS, THE VARIABLE ANNUITY LIFE INSURANCE COMPANY ("VALIC"), the Funds, and Adviser entered into a Participation Agreement on May 8, 1996, as amended (the "VALIC FPA");

WHEREAS, the Parties wish to enter into a separate agreement to provide for the purchase and redemption by the Company, on behalf of the Accounts, of shares of the Funds pursuant to the terms of the Agreement, based on the form of the VALIC FPA previously agreed to among VALIC, certain of the Funds and the Adviser;

NOW, THEREFORE, in consideration of the mutual covenants herein contained, which consideration is full and complete, the Parties hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The Parties hereto adopt and agree to the terms of the VALIC FPA in the form attached hereto as Exhibit A ("Exhibit A"), which for this purpose excludes the signature pages to such VALIC FPA, subject to the changes described below. For avoidance of doubt, this Agreement does not amend, delete or supersede the VALIC FPA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. For purposes of this Agreement, all references to The Variable Annuity Life Insurance Company or VALIC in Exhibit A are deleted and replaced with The United States Life Insurance Company in the City of New York and all references to the term "Company" in Exhibit A shall be deemed references to The United States Life Insurance Company in the City of New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of this Agreement, the following are added as additional provisions relating to Rule 498 of the 1933 Act:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. The Funds will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Funds provide the Company with statutory prospectuses. The Funds represent and warrant that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 of the 1933 Act ("Rule 498") applicable to its Funds.

Vanguard Internal Use Only

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Funds, at their sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498. The Company shall provide the Funds with the website URL(s) that will serve as the hyperlinks within the summary prospectus and other required documentation and the Company shall be responsible for maintaining the required documents at such website URLs for the requisite period set forth in Rule 498.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. The Funds may require the Company to terminate the use of the summary prospectuses by providing the Company with at least one hundred and thirty-five (135) days' prior written notice. The Funds agree that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Funds with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. For purposes of this Agreement, the following shall be added to the Agreement and the Amendment to Participation Agreement Regarding Fund Shareholder Reports dated December 5, 2022, in Exhibit A shall be deleted:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. The Funds shall be responsible for preparing and providing the materials required by Rule 30e-1 under the 1940 Act ("Rule 30e-1") and Items 27(d)(4) and 27(d)(5) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual Reports and Semi-Annual Reports to Shareholders (*i.e.* "Tailored Shareholder Reports");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual or Semi-Annual Financial Statements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Quarterly Portfolio Holdings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Portfolio Holdings for Most Recent First and Third Fiscal Quarters; and Proxy Voting Policies specified in Item 17(f) of Form N-1A and the most recently filed report on Form N-PX. The Funds shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. The Funds shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Funds shall be responsible for ensuring that the

Vanguard Internal Use Only

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Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the Securities Act of 1933, as amended; the Securities
Exchange Act of 1934, as amended; the 1940 Act; and all rules and regulations under those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact
necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. The Funds shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Funds; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. The Funds shall provide the Fund Documents specified in Paragraphs 10(a), (b), and (c) above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund Company's securities and the Contracts. The Funds shall provide the Shareholder Reports specified in Paragraph 10(d) above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. The Funds shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human- readable format
(in accordance with paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth
between each section heading in a table of contents of such document and the section heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an
electronic version of such materials that meet the

Vanguard Internal Use Only

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requirements of subparagraphs 11(a) and (b) above (in accordance with paragraph (h)(3) of Rule 498A).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Funds fulfill their obligations under this Amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Variable Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Funds shall ensure that a summary prospectus is used for the Funds, in accordance with paragraph (j)(1)(ii) of Rule 498A.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I. The Funds shall provide such data regarding each Fund's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Variable Contracts. Without limiting the generality of the foregoing, the Funds shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Variable Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Fund's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Fund calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements (and in accordance with (i) Instruction 16 to Item 4 of Form N-4, and (ii) Instruction 4(a) to Item 4 of Form N-6); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund
Operating Expenses") for each Fund calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements (and in accordance with (i) Instruction
17 to Item 4 of Form N-4 and (ii) Instruction 4 to Item 17 of Form N-4, and (iii) Instruction 4(b) to Item 4 of Form N-6, and (iv) Instruction 4 to Item 18 of Form N-6)), and the period for which the expense reimbursements or fee waiver arrangement is expected to continue and
whether it can be terminated by the Funds; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Fund (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods, and in accordance with (i) Instruction 7 to Item 17 of Form N-4, and
(ii) Instruction 7 to Item 18 of Form N-6)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. For purposes of this Agreement, the Company makes the representations in Section 12 of Exhibit A except that it represents that is has legally and validly established ACCOUNT as a segregated asset account under New York law instead of under Texas law.

Vanguard Internal Use Only

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For purposes of this Agreement, the notification address for the Company in Section 18 of Exhibit A is deleted and replaced in its entirety as follows:

If to the Company:

The United States Life Insurance Company in the City of New York

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Bryan Pinsky

Email: <u>bryan.pinsky@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. For purposes of this Agreement, the applicable state law in Section 20 of Exhibit A under which this Agreement shall be construed shall be the laws of the State of New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. For purposes of this Agreement, Schedule A in Exhibit A is deleted and replaced with the separate Schedule A to this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. This Agreement shall be interpreted consistent with the intent of the Parties which is to create a fully separate agreement among the Parties in respect of investment(s) by the Company, on behalf of the Accounts, in shares of Funds.

[The remainder of this page is intentionally blank. Signatures to follow.]

Vanguard Internal Use Only

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IN WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the date first above written.

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| | |
|:---|:---|
| THE UNITED STATES LIFE INSURANCE COMPANY | THE UNITED STATES LIFE INSURANCE COMPANY |
| IN THE CITY OF NEW YORK,<br> on behalf of itself and on behalf of the Accounts set forth on Schedule A | IN THE CITY OF NEW YORK,<br> on behalf of itself and on behalf of the Accounts set forth on Schedule A |
| By: | ![LOGO](g934124dsp431.jpg) |
|  | <br> Barbara Rayll |
|  | Vice President, Business Case Development |
| VANGUARD FIXED INCOME SECURITIES FUNDS (2 FUNDS) | VANGUARD FIXED INCOME SECURITIES FUNDS (2 FUNDS) |
|  | Vanguard Long-Term Investment-Grade Fund |
|  | Vanguard Long-Term Treasury Fund |
| VANGUARD STAR FUNDS (3 FUNDS) | VANGUARD STAR FUNDS (3 FUNDS) |
|  | Vanguard LifeStrategy Conservative Growth Fund |
|  | Vanguard LifeStrategy Moderate Growth Fund |
|  | Vanguard LifeStrategy Growth Fund |
| VANGUARD WELLINGTON FUND (1 FUND) | VANGUARD WELLINGTON FUND (1 FUND) |
|  | Vanguard Wellington Fund |
| VANGUARD WINDSOR FUND (1 FUND) | VANGUARD WINDSOR FUND (1 FUND) |
|  | Vanguard Windsor II Fund |
| **VANGUARD CHESTER FUNDS (12 FUNDS)** | **VANGUARD CHESTER FUNDS (12 FUNDS)** |
|  | Vanguard Target Retirement 2020 Fund, Investor Class<br> Vanguard Target Retirement 2050 Fund, Investor Class<br> Vanguard Target Retirement 2025 Fund, Investor Class<br> Vanguard Target Retirement 2055 Fund, Investor Class<br> Vanguard Target Retirement 2030 Fund, Investor Class<br> Vanguard Target Retirement 2060 Fund, Investor Class<br> Vanguard Target Retirement 2035 Fund, Investor Class<br> Vanguard Target Retirement 2065 Fund, Investor Class<br> Vanguard Target Retirement 2040 Fund, Investor Class<br> Vanguard Target Retirement 2070 Fund, Investor Class<br> Vanguard Target Retirement 2045 Fund, Investor Class<br> Vanguard Target Retirement Income Fund, Investor Class |

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Vanguard Internal Use Only

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| | |
|:---|:---|
| **VANGUARD EXPLORER FUND (1 FUND)** | **VANGUARD EXPLORER FUND (1 FUND)** |
| Vanguard Explorer Fund, Admiral Class | Vanguard Explorer Fund, Admiral Class |
| **VANGUARD FENWAY FUNDS (1 FUND)** | **VANGUARD FENWAY FUNDS (1 FUND)** |
| Vanguard Equity-Income Fund, Admiral Class | Vanguard Equity-Income Fund, Admiral Class |
| **VANGUARD MONEY MARKET RESERVES (1 FUND)** | **VANGUARD MONEY MARKET RESERVES (1 FUND)** |
| Vanguard Federal Money Market. Fund, Investor Class | Vanguard Federal Money Market. Fund, Investor Class |
| **VANGUARD WORLD FUND (1 FUND)** | **VANGUARD WORLD FUND (1 FUND)** |
| Vanguard FTSE Social Index Fund, Institutional Class | Vanguard FTSE Social Index Fund, Institutional Class |
| By: | ![LOGO](g934124dsp432a.jpg) |
|  | <br> [Name] John Schadl |
|  | [Title] Assistant Secretary |
| THE VANGUARD GROUP, INC. | THE VANGUARD GROUP, INC. |
| By: | ![LOGO](g934124dsp432b.jpg) |
|  | <br> [Name] Carolyn Sherry |
|  | [Title] Principal |

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Vanguard Internal Use Only

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<u>Schedule A</u> 

<u>Accounts</u> 

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Name of Account | Date of Resolution of Company's Board<br> which Established the Account |
| &nbsp;&nbsp;&nbsp;USL Separate Account RS | June 14, 2024 |

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<u>Funds</u> 

VANGUARD FIXED INCOME SECURITIES FUNDS (2 FUNDS)

Vanguard Long-Term Investment-Grade Fund Vanguard Long-Term Treasury Fund

VANGUARD STAR FUNDS (3 FUNDS)

Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Moderate Growth Fund <br> Vanguard LifeStrategy Growth Fund

VANGUARD WELLINGTON FUND (1 FUND)

Vanguard Wellington Fund

VANGUARD WINDSOR FUND (1 FUND)

Vanguard Windsor II Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each Vanguard Fund is organized as a Delaware Business Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notices may be sent to the Funds at:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The Vanguard Group, Inc., Post Office Box 2600, Valley Forge, PA 19842 (for overnight
delivery)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The Vanguard Group, Inc., 100 Vanguard Boulevard, Malvern, PA 19355

**VANGUARD CHESTER FUNDS (12 FUNDS)** 

Vanguard Target Retirement 2020 Fund, Investor Class Vanguard Target Retirement 2050 Fund, Investor Class

Vanguard Target Retirement 2025 Fund, Investor Class Vanguard Target Retirement 2055 Fund, Investor Class

Vanguard Target Retirement 2030 Fund, Investor Class Vanguard Target Retirement 2060 Fund, Investor Class

Vanguard Target Retirement 2035 Fund, Investor Class Vanguard Target Retirement 2065 Fund, Investor Class

Vanguard Target Retirement 2040 Fund, Investor Class Vanguard Target Retirement 2070 Fund, Investor Class

Vanguard Internal Use Only

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Vanguard Target Retirement 2045 Fund, Investor Class Vanguard Target Retirement Income Fund, Investor Class

**VANGUARD EXPLORER FUND (1 FUND)** 

Vanguard Explorer Fund, Admiral Class

**VANGUARD FENWAY FUNDS (1 FUND)** 

Vanguard Equity-Income Fund, Admiral Class

**VANGUARD MONEY MARKET RESERVES (1 FUND)** 

Vanguard Federal Money Market. Fund, Investor Class

**VANGUARD WORLD FUND (1 FUND)** 

Vanguard FTSE Social Index Fund, Institutional Class

Vanguard Internal Use Only

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Exhibit A

**PARTICIPATION AGREEMENT** 

This AGREEMENT is made by and between the mutual funds which are identified on Schedule A hereto, as amended from time to time, and which have executed this Agreement (the "Funds"), the Vanguard Group, Inc. ("Adviser"), a Pennsylvania corporation, and The Variable Annuity Life Insurance Company ('VALIC"), a life insurance company organized under the laws of the State of Texas, on its own behalf and on behalf of each segregated asset account set forth on Schedule A hereto as amended from time to time (each such account hereinafter referred to as "ACCOUNT").

WHEREAS, VALIC wishes to offer as investment options under certain group variable annuity and funding contracts and certain employee benefit plans under the Internal Revenue Code of 1986, as amended, one or more of the Funds;

WHEREAS, each Fund is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940 (the "1940 Act") as an open-end, diversified, management investment company; and

WHEREAS, each Fund is (i) organized as (A) a series fund, and currently intends to issue shares of separate series (each a "Portfolior<sup>1</sup>); those Portfolios which are subject to this Agreement are listed on Schedule B hereto, and the Board of Directors/Trustees of each such Fund (the <sup>11</sup>Board") may in the future issue shares of additional Portfolios; or (B) an individual portfolio; and (ii) issues shares to the general public and to the separate accounts of insurance companies ("Participating Insurance Companies") to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, Adviser is registered as an investment adviser under the Investment Advisers Act of 1940 and any applicable state securities law; and

WHEREAS, VALIC has established ACCOUNT to offer variable contracts (the "Contracts") and is desirous of having each of the Funds as one of the underlying funding vehicles for the Contracts; and:

WHEREAS, the Funds and Adviser know of no reason why shares in any Fund or Portfolio ("Shares") may not be sold to Participating Insurance Companies to fund variable insurance products and qualified pension and retirement plans; and

WHEREAS, VALIC intends to purchase shares of other open-end management investment companies that offer shares to the general public to fund the Contracts; and

WHEREAS, to the extent permitted by applicable insurance laws and regulations, VALIC intends to purchase shares of the Funds to fund the Contracts and Adviser is or will be authorized to sell such shares to VALIC at net asset value;

------

NOW, THEREFORE, in consideration of their mutual promises, VALIC, the Funds and Adviser agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each Fund and Adviser agree to make Shares available for purchase by VALIC and ACCOUNT at the applicable net asset value per Share on those days on which each Fund calculates its net asset value pursuant to SEC rules. Each Fund shall use reasonable efforts to calculate such net asset value on each day which the New York Stock Exchange is open for trading. Notwithstanding the foregoing, the Board of a Fund may refuse to sell Shares to any person, or suspend or terminate the offering of Shares, if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Board acting in good faith and in light of their fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of the Fund or the Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Subject to the terms and conditions set forth in this Agreement, Adviser hereby appoints and retains VALIC, and VALIC agrees to act as, each Fund's agent to perform the administrative services set forth herein with respect to accepting purchase and redemption orders for Shares of each Fund or Portolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Issuance and transfer of shares will be by book entry only. Stock certificates will not be issued to VALIC or ACCOUNT. Shares ordered from a Fund will be recorded in an appropriate title for ACCOUNT or the appropriate subaccount of ACCOUNT.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. VALIC agrees to provide services to the Adviser including the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) responding to inquiries from Contract owners using one or more of the Funds or Portfolios as an investment vehicle regarding the services performed by VALIC as they relate to a Fund or Portfolio;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) providing information to the Adviser and to Contract owners with respect to shares attributable to Contract owner accounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) developing and maintaining a means of identifying and analyzing information relating to Contract owners using one or more of the Funds or Portfolios as an investment vehicle through computer databases or similar approaches;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) printing and mailing of shareholder communications from each Fund as may be required;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) serving as the agent of the Funds for the receipt of orders to purchase and redeem shares of the Funds and Portfolios pursuant to Section 5;

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| **54022720.7 050196 1930E 94125291** | - 2 - |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) cooperating with the Funds, the Adviser, and governmental authorities in connection with the regulation of the Funds and the sale of the shares of the Funds and Portfolios pursuant to Section 14;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) providing data and materials to the Funds needed to maintain the compliance of the Funds with the securities laws; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) communicating directly with Contract owners concerning the Funds' operations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each Fund shall furnish same day notice (by wire, telecopier, or telephone followed by written confirmation) to VALIC of any income, dividends or capital gain distributions payable on any Shares. VALIC hereby elects to receive all such income, dividends and capital gain distributions of a Fund or Portfolio in the form of additional Shares of that Fund or Portfolio. VALIC reserves the right to revoke this election and to receive all such income, dividends and capital gain distributions in cash. Adviser shall notify VALIC of the number of shares so issued as payment of such dividends and distributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. (a) Each Fund agrees to sell to VALIC Shares which VALIC orders, (which orders will be based exclusively on the net transaction requests VALIC receives from Contract holders) executing such orders on a daily basis at the net asset value next computed after receipt by Adviser or its agent of the order for the Shares. For purposes of this Section 6(a), VALIC shall be the agent of each Fund for receipt of such orders from VALIC and receipt in proper form by such agent prior to 4:00 p.m. Eastern time shall constitute receipt by such Fund; provided that the Fund receives notice via the Adviser's standard electronic data transmission format of such order by 5:00 a.m. New York time on the next following Business Day. "In proper form" means that amounts to be invested or redeemed are identified on VALIC's computer systems by Participant, Plan, Contract and Fund in accordance with VALIC's standard procedures for processing transactions. If such order is received by the Fund after 5:00 a.m., the Fund will reject such order and VALIC may resubmit such order (either by including it with the next day's electronic data transmission or through other mutually acceptable means) and the resubmitted order will be executed on the basis of the net asset value computed that day. "Business Day" shall mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of the SEC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Each Fund agrees to redeem for cash, on VALIC's request, (which requests will be based exclusively on the net transaction requests VALIC receives from Contract holders) any full or fractional shares of such Fund or Portfolio held by VALIC, executing such requests on a daily basis at the net asset value next computed after receipt by such Fund or its designee of the request for redemption. For purposes of this Section 6(b), VALIC shall be the agent of each Fund for receipt of requests for redemption from

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|:---|:---|
| **54022720.7 050196 1930E 94125291** | - 3 - |

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VALIC and receipt in proper form by such agent prior to 4:00 p.m. Eastern time shall constitute receipt by the Fund; provided that the Fund receives notice of such request for redemption by 5:00 a.m. New York time on the next following Business Day. If such request for redemption is received by the Fund after 5:00 a.m., the request will be executed on the basis of the net asset value computed that day. If such request is received by the Fund after 5:00 a.m., the Fund will reject such request and VALIC may resubmit such request (either by including it with the next day's electronic data transmission or through other mutually acceptable means) and the resubmitted request will be executed on the basis of the net asset value computed that day.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Funds shall make the net asset value per share for each Fund or Portfolio available to VALIC on a daily basis as soon as reasonably practical after the net asset value per share is calculated but shall use its best efforts to make such net asset value available by 6:30 p.m. New York time. If a Fund provides VALIC with the incorrect share net asset value information through no fault of VALIC, VALIC on behalf of the Separate Accounts, shall be entitled to an adjustment to the number of shares purchased or redeemed to reflect the correct share net asset value. Any error in the calculation of net asset value, dividend and capital gain information greater than or equal to $.01 per Share, shall be reported immediately upon discovery to VALIC. Any error of a lesser amount shall be corrected in the next Business Day's net asset value per share for such Fund or Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) If VALIC requests the purchase of Shares pursuant to Section 6(a), VALIC shall pay for such purchase by wiring federal funds to the Fund or its designated custodial account on the Business Day following the Business Day on which the order is trade dated. If VALIC requests a net redemption resulting in a payment of redemption proceeds to VALIC pursuant to Section 6(b), the Fund shall wire the redemption proceeds to VALIC on the Business Day following the Business Day on which the order is trade dated, unless doing so would require Adviser to dispose of portfolio securities or otherwise incur additional costs, but in such event, proceeds shall be wired to VALIC within three business days and the Fund shall notify the person designated in writing by VALIC as the recipient for such notice of such delay by 3:00 p.m. New York time the same Business Day that VALIC transmits the redemption order to the Fund. If VALIC's order requests the application of redemption proceeds from the redemption of shares of one Portfolio or Fund to the purchase of shares of another Portfolio or Fund, the Fund shall so apply such proceeds to the other Portfolio, or transfer them to the other Fund, on the same Business Day that VALIC transmits such order to the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Purchase and redemption orders shall be transmitted separately for each Fund by VALIC to Adviser in a format consistent with Adviser's specified file formats, which Adviser shall provide to VALIC within a reasonable period of time prior to their application.

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| **54022720.7 050196 1930E 94125291** | - 4 - |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. (a) The Funds or Adviser shall provide VALIC with as many copies of each Fund's and Portfolio's current prospectus, statements of additional information, latest annual and semi-annual report, and when applicable, current proxy material, in each case as VALIC may reasonably request. Each Fund or Adviser shall provide VALIC with as many copies of any prospectus supplement for such Fund or Portfolio as VALIC may reasonably request.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Unless otherwise provided herein, all parties to this Agreement shall bear all expenses incident to the performance of their respective duties under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. (a) VALIC will furnish, or will cause to be furnished, to Adviser or its designee, each piece of sales literature or other promotional material in which Adviser or any Fund is named. No such material will be used if Adviser or its designee reasonably objects to its use in writing within ten days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Each Fund or its designee will furnish, or will cause to be furnished, to VALIC, each piece of sales literature or other promotional material in which VALIC is named. No such material will be used if VALIC reasonably objects to its use in writing within ten days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Neither Adviser, any Fund or their affiliates or agents shall give any information or make any representations on behalf of VALIC or concerning VALIC, ACCOUNT, or the Contracts issued by VALIC, other than the information or representations contained in a registration statement or prospectus for such Contracts, as such registration statement and prospectus may be amended or supplemented from time to time, or in reports for ACCOUNT or prepared for distribution to owners of the Contracts, or in sales literature or other promotional material approved by VALIC or its designee, except with the permission of VALIC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) VALIC and its affiliates and agents shall not give any information or make any representations on behalf of Adviser or any Fund or concerning Adviser or any Fund other than the information or representations contained in a registration statement or prospectus for such Fund, as such registration statement and prospectus may be amended or supplemented from time to time, or in sales literature or other promotional material approved by the Fund or its designee, except with the permission of the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) For purposes of this Agreement, the phrase "sales literature or other promotional material" or words of similar import include, without limitation, advertisements (such as material published, or designed for use, in a newspaper, magazine or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, computer facility or service including the internet, or other public media), sales literature (such as any written communication distributed or made

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| **54022720.7 050196 1930E 94125291** | - 5 - |

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generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, or reprints or excerpts or any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, statements of additional information, shareholder reports and proxy materials, and any other material constituting sales literature or advertising under National Association of Securities Dealers, Inc. ("NASD") rules or the 1933 or 1940 Acts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. (a) Except as limited by and in accordance with the provisions of Sections 9(b) and 9(c) hereof, VALIC agrees to indemnify and hold harmless Adviser and each Fund and each trustee of the Board of each Fund and officers of each Fund and each person, if any, who controls each Fund and each of the directors and officers of Adviser and each person, if any, who controls Adviser within the meaning of Section IS of the 1933 Act (collectively, the "Indemnified Parties" for purposes of this Section 9) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of VALIC) or litigation (including legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of any Shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact
contained in the registration statement or prospectus or sales literature for the Contracts or contained in the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged
omission of a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged
statement or omission was made in reliance upon and in conformity with information furnished to VALIC by or on behalf of any Fund for use in the registration statement or prospectus for the Contracts or in the Contracts or sales literature (or any
amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) arise out of or as a result of statements or representations (other than statements or representations
contained in the registration statement, prospectus or sales literature of any

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| **54022720.7 050196 1930E 94125291** | - 6 - |

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Fund not supplied by VALIC, or persons under its control) or wrongful conduct of VALIC or persons under its control, with respect to the sale or distribution of the Contracts or Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration
statement, prospectus, or sales literature of any Fund, or any amendment thereof or supplement thereto, or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein
not misleading if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to such Fund by or on behalf of VALIC; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) arise as a result of any failure by VALIC to substantially provide the services and furnish the materials under
the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) arise out of or result from any material breach of any representation and/or warranty made by VALIC in this
Agreement or arise out of or result from any other material breach of this Agreement by VALIC; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) arise out of or result from the fact that the Contracts are invested in shares of regulated investment
companies that are also available without limitation to investors from the general public.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) VALIC shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation to which an Indemnified Party is subject by reason of such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations or duties under this Agreement or to a Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) VALIC shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified VALIC in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify VALIC of any such claim shall not

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| **54022720.7 050196 1930E 94125291** | - 7 - |

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relieve VALIC from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against an Indemnified Party, VALIC shall be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action; provided, however, that VALIC shall not settle or in any way compromise such action without first obtaining the consent of the Indemnified Party (which consent shall not be unreasonably withheld). After notice from VALIC to such party of VALIC's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and VALIC will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. (a) Except as limited by and in accordance with the provisions of Sections IO(b) and IO(c), Adviser agrees to indemnify and hold harmless VALIC and each of its directors and officers and each person, if any, who controls VALIC within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for purposes of this Section 10) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of Adviser) or litigation (including legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of any Fund's shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained
in the registration statement or prospectus or sales literature of any Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to
be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in
reliance upon and in conformity with information furnished to Adviser or any Fund or its adviser by or on behalf of VALIC for use in the registration statement or prospectus for any Fund or in sales literature (or any amendment or supplement) or
otherwise for use in connection with the sale of the Contracts or Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) arise out of or as a result of statements or representations (other than statements or representations
contained in the registration statement, prospectus or sales literature for the

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| **54022720.7 0501% 1930E 94125291** | - 8 - |

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Contracts not supplied by Adviser or any Fund or its adviser or persons under their control) or wrongful conduct of Adviser or any Fund or persons under their control, with respect to the sale or distribution of the Contracts or Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) arise out of any untrue statement or alleged untrue statement of a material fact contained in a registration
statement, prospectus, or sales literature covering the Contracts, or any amendment thereof or supplement thereto, or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements
therein not misleading, if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to VALIC by or on behalf of any Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) arise as a result of (a) a failure by any Fund to substantially provide the services and furnish the
materials under the terms of this Agreement; (b) a failure by any Fund to qualify as a Regulated Investment Company under Subchapter M of the Code; or (c) a failure by any Fund to register its shares as required by the laws of the various
states; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) arise out of or result from any material breach of any representation and/or warranty made by Adviser in this
Agreement or arise out of or result from any other material breach of this Agreement by Adviser.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Adviser shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation to which an Indemnified Party is subject by reason of such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations and duties under this Agreement or to VALIC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adviser shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified Adviser in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), but failure to notify Adviser of any such claim shall not

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| **54022720.7 050196 1930E 94125291** | - 9 - |

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relieve Adviser from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, Adviser shall be entitled to participate at its own expense in the defense thereof. Adviser also shall be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action; provided, however, that Adviser shall not settle or in any way compromise such action without first obtaining the consent of the Indemnified Party (which consent shall not be unreasonably withheld). After notice from Adviser to such party of Adviser's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and Adviser will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Each Fund represents and warrants that Shares sold pursuant to this Agreement shall be registered under the 1933 Act and duly authorized for issuance, and shall be issued, in compliance in all material respects with applicable law, and that each Fund is and shall remain registered under the 1940 Act for so long as required thereunder. Each Fund further represents and warrants that it qualifies as a Regulated Investment Company under Subchapter M of the Code, and will make every effort to maintain such qualification (under Subchapter M or any successor or similar provisions), and that each Fund will notify VALIC immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future. Each Fund will register and qualify its shares for sale in accordance with the laws of the various states as may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. VALIC represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established ACCOUNT as a segregated asset account under Texas law and has registered ACCOUNT as a unit investment trust under the 1940 Act. VALIC represents and warrants that the Contracts are or will be registered under the 1933 Act and that the Contracts will be issued in compliance in all material respects with all applicable federal and state laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. Each Fund will provide VALIC with at least one complete copy of all prospectuses, statements of additional information, annual and semi-annual reports, proxy statements, exemptive applications and all amendments or supplements to any of the above that relate to the Funds and Portfolios promptly after such documents become available to all investors in the Fund or Portfolio. VALIC will provide each Fund or its designee with at least one complete copy of all prospectuses, statements of additional information, annual and semi-annual reports, proxy statements, exemptive applications and all amendments or supplements to any of the above that relate to ACCOUNT promptly after such documents become available to all investors in the Fund or Portfolio.

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| **54022720.7 050196 1930E 94125291** | - 10 - |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. Each party hereto shall cooperate with each other party and all appropriate governmental authorities having jurisdiction (including, without limitation, the SEC, the NASD, and state insurance regulators) and shall permit such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. VALIC reserves the right to vote Shares held in the Account in its own right, to the extent permitted by Jaw.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. (a) This Agreement shall continue in full force and effect until termination by any Party for any reason, by two (2) months advance written notice delivered to the other Parties (which may, however, be waived by the other party). Notwithstanding any termination of this Agreement, the Funds shall continue to make available additional Shares for all Contracts in effect on the effective date of termination of this Agreement unless the Adviser, in its sole judgment exercised in good faith, determines that VALIC has failed to comply with any provision of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Notwithstanding any termination of this Agreement, VALIC's and the Adviser's obligation under Sections 9 and IO to indemnify the other shall survive.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. Each Fund and Adviser agree to comply with, and to ensure that each Fund complies with, any applicable state insurance Jaws or regulations, including cooperating with VALIC in any filings of sales literature for the Contracts, to the extent notified thereof in writing by VALIC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. Any notice shall be sufficiently given when sent by registered or certified mail (return receipt requested) to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other party.

If to a Fund:

As set forth on Schedule A

If to Adviser:

The Vanguard Group, Inc.

I00 Vanguard Boulevard

Malvern, PA 19355

Attention: Dennis Simmons

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| **54022720.7 050196 1930E 94125291** | - 11 - |

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If to VALIC:

The Variable Annuity Life Insurance Company

2929 Allen Parkway

Houston, TX 77019

ATTN: Cynthia A. Toles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. This Agreement shall be subject to the provisions of the 1933, 1934 and 1940 Acts and the rules and regulations thereunder, including any exemptive relief therefrom and the orders of the SEC setting forth such relief.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. This Agreement shall be construed and the provisions hereof interpreted under and in accordance with the laws of the Commonwealth of Pennsylvania.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. This Agreement may be executed in two or more counterparts, each of which taken together shall constitute one instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. A copy of each Fund's Articles of Incorporation/Declaration of Trust is on file with the Secretary of State of the State of the Fund's organization, as set forth on Schedule A. The Articles of Incorporation/Declaration of Trust has been executed on behalf of each Fund by certain Directors/Trustees in their capacity as Directors/Trustees of such Fund and not individually. All persons dealing with each Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the Board, officers, agents, or shareholders assume any personal liability for obligations entered into on behalf of the Fund.

THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK

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| **54022720.7 0501% 1930E 94125291** | - 12 - |

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**SCHEDULE A** 

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| | | |
|:---|:---|:---|
|  |  | **State of** |
| **<u>Fund</u>** |  **<u>Address</u>** | **<u>Organization</u>** |
| Vanguard/ | Vanguard Group, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maryland |
| Wellington Fund | Attn: Wellington Fund |  |
|  | Vanguard Financial Center |  |
|  | Valley Forge, PA 19482 |  |
| Vanguard/ | Vanguard Group, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maryland |
| Windsor II | Attn: Windsor II |  |
|  | Vanguard Financial Center |  |
|  | Valley Forge, PA 19482 |  |
| Vanguard Fixed | Vanguard Group, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maryland |
| Income Securities | Attn: Vanguard Fixed Income |  |
| Fund, Inc. | Securities Fund, Inc. |  |
|  | Vanguard Financial Center |  |
|  | Valley Forge, PA 19482 |  |

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| **54022720.7 050196 I930E 94125291** | - 14 - |

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**SCHEDULE B** 

**<u>Portfolios</u>**

Vanguard Fixed Income Securities Fund, Inc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Long-term Corporate Portfolio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Long-term U.S. Treasury Portfolio

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| **54022720.7 050196 1930E 94125291** | - 15 - |

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**AMENDMENT NO.1 TO PARTICIPATION AGREEMENT** 

**THIS AMENDMENT NO. 1 TO PARTICIPATION AGREEMENT** (the "Amendment") is effective as of July 17, 1998, by and among THE VARIABLE ANNUITY LIFE INSURANCE COMPANY (the "Company") and THE VANGUARD GROUP, INC. (the "Adviser").

**RECITALS** 

WHEREAS, the Company, the Adviser and certain Funds are parties to that Participation Agreement dated May 18, 1996 (the "Agreement") in connection with the participation by the Funds in Contracts offered by the Company; and

WHEREAS, the Company and the Adviser desire to limit the parties to the Agreement and desire to list new Funds under the Agreement;

NOW, THEREFORE, in consideration of the mutual promises set forth herein, the Company and the Adviser agree as follows:

The parties to the Agreement hereafter shall be the Company and the Adviser, and shall not require that each Fund under the Agreement be a party to the Agreement.

The Adviser shall uphold the representations made by the Funds in the Agreement.

Schedules A and B shall be combined into said Schedule A, and Schedule A to this Amendment shall replace the Schedule A and Schedule B to the Agreement.

Schedule A will list the Vanguard Funds and Portfolios to be used as funding vehicles by the Company under the Agreement.

IN WITNESS WHEREOF, the undersigned have executed this Amendment No. **1** effective the day and year first above written.

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| | | | |
|:---|:---|:---|:---|
| THE VARIABLE ANNUITY<br> LIFE INSURANCE COMPANY | THE VARIABLE ANNUITY<br> LIFE INSURANCE COMPANY | THE VANGUARD GROUP, INC. | THE VANGUARD GROUP, INC. |
| By: | ![LOGO](g934124page048.jpg) | By: | ![LOGO](g934124dsp449.jpg) |
|  | <br> Cynthia A. Toles<br> Senior Vice President,<br> General Counsel and Secretary |  | <br> Dennis Simmons<br> Principal - Legal |

---

------

**SCHEDULE A** 

**Vanguard/ Wellington Fund** 

**Vanguard/ Windsor II** 

**Vanguard Fixed Income Securities Fund, Inc.** 

Long-Term Corporate Portfolio Long-Term U.S. Treasury Portfolio

**Vanguard STAR Fund** 

Vanguard LifeStrategy Growth Portfolio

Vanguard LifeStrategy Moderate Growth Portfolio

Vanguard LifeStrategy Conservative Growth Portfolio

• Each Vanguard Fund is organized as a Delaware Business Trust

• Notices may be sent to the Funds at:

The Vanguard Group, Inc., Post Office Box 2600, Valley Forge, PA 19482, (for overnight delivery)

The Vanguard Group, Inc., 100 Vanguard Boulevard, Malvern, PA 19355

------

**THE VANGUARD GROUP, INC.** 

**SECOND AMENDMENT TO** 

**PARTICIPATION AGREEMENT** 

THIS SECOND AMENDMENT TO PARTICIPATION AGREEMENT, made this <u>13<sup>th</sup> day</u> of April, 2007, by and between THE VANGUARD GROUP, INC. ("Vanguard"), a Pennsylvania corporation with its principal place of business in Pennsylvania, and THE VARIABLE ANNUITY LIFE INSURANCE COMPANY ("VALIC"), a Texas life insurance company with its principal place of business in Texas, on its own behalf and on behalf of each segregated asset account ofV ALIC identified on Schedule A hereto (each, an "Account" and collectively, the "Accounts").

WITNESSETH:

WHEREAS, Vanguard, VALIC and certain Vanguard mutual funds entered into a Participation Agreement dated as of May 8, 1996 (the "Agreement");

WHEREAS, Vanguard and VALIC deem it necessary and desirable to amend the Agreement with respect to the application of certain Vanguard policies and procedures to the accounts maintained by VALIC, to remove the Vanguard funds as parties to the Agreement, and in certain other respects, all on the terms and conditions set forth herein;

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties hereto, intending to be legally bound, hereby agree as follows:

**1. <u>Definitions.</u>** Unless otherwise defined herein, capitalized terms in this Amendment shall have the meanings assigned in the Agreement.

**2. <u>Amendments.</u>** The Agreement is hereby amended as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) All references in the Agreement to "Adviser" are changed to "Vanguard", and all references in the Agreement to a "Portfolio" or "Portfolios", or to a "Fund [and/or] Portfolio" or "Funds [and/or] Portfolios" are changed to "Fund" or "Funds," respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) A new first "WHEREAS" clause is added on the first page of the Agreement to read in full as follows:

"WHEREAS, Vanguard provides services as transfer agent, dividend disbursement agent, and shareholder servicing agent for the open-end management investment companies registered under the Investment Company Act of 1940, as amended (the "1940 Act"), that are included in The Vanguard Group of investment companies, as well as Vanguard STAR Funds and Vanguard Institutional Index Fund (each, a "Fund" and collectively, the "Funds");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The current first "WHEREAS" clause on the first page of the Agreement is amended and restated to read in full as follows:

"WHEREAS, VALIC provides participant accounting, record-keeping, administrative and/or other services to certain variable annuity contracts designed and offered by VALIC (each, a "Contract" and collectively, the "Contracts") and to certain tax-qualified defined contribution plans (each, a "Plan" and collectively, the "Plans"); and".

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The current second and third "WHEREAS" clauses on the first page of the Agreement are deleted, and the current fifth "WHEREAS" clause on the first page of the Agreement is amended and restated to read in full as follows:

"WHEREAS, VALIC has established the Accounts to offer the Contracts and is desirous of having the Funds serve as underlying investment vehicles for the Contracts and as underlying investment options for the Plans; and".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The following new "WHEREAS" clauses are added after the "WHEREAS" clauses on the first page of the Agreement:

"WHEREAS, the Plans and the Contracts allow for the allocation of net amounts received by VALIC to the Accounts which correspond to each Fund for investment in shares of the Funds; and

WHEREAS, selection of a particular sub-account is made by the Plan participant or Contract owner, and such Plan participants and/or Contract owners may reallocate their investment options among the Accounts in accordance with the terms of the Plans or Contracts, as appropriate; and

WHEREAS, VALIC has established or will establish individual accounts on its record-keeping system reflecting all transactions by or on behalf of Plan participants and beneficiaries and Contract owners which result in purchases or redemptions by the Accounts of shares of the Funds;

WHEREAS, Vanguard has established or will establish accounts on its mutual fund shareholder record-keeping system to reflect the Accounts' ownership of shares of the Funds and all transactions by the Accounts involving such shares;

WHEREAS, Vanguard and VALIC desire to communicate information with respect to transactions by the Accounts involving shares of the Funds, pursuant to the terms and conditions set forth in this **Agreement;".**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The second sentence of Section 6(a) of the Agreement is amended and restated to read in full as follows:

"For purposes of this Section 6(a), VALIC shall be the agent of each Fund for receipt of such orders from VALIC and receipt in proper form by such agent prior to the close of regular trading on the New York Stock Exchange (generally, 4:00 p.m. Eastern time) ("Market Close") shall constitute receipt by such Fund; provided that the Fund receives notice via Vanguard's standard electronic data transmission format of such order by 5:00 a.m. Eastern time on the next following Business **Day."**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Section 6 of the Agreement is amended by adding new subsections (f), (g), (h), (i) and (j) to read in full as follows:

"(f) <u>Purchase and Redemption Fee Funds.</u> The parties acknowledge that VALIC does not hold shares of any Fund that imposes a purchase fee or a redemption fee (each, a "Fee Fund"). VALIC agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) It will not establish an account in any Fee Fund at any time during the term of this Agreement;

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) IfV ALIC establishes an account in a Fee Fund in violation of this Section 6(1), Vanguard shall be authorized to cancel the order by means of which the account was established and to terminate the account at any time. Any such cancellation and termination shall be on a current-day basis, and Vanguard will return to VALIC the lesser of (A) the amount initially invested or (B) the then-current value of such investment; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) if the Board of Trustees of any Fund then held by VALIC determines to impose a purchase and/or redemption fee on transactions in such Fund, then upon receipt of notice from Vanguard of the Fund Board's decision, VALIC will cooperate in good faith with Vanguard to reach a mutually agreeable resolution regarding VALIC's investment in such Fund, which may include, as appropriate, VALIC's decision to divest itself of such Fund within a reasonable time, the parties' entering into an amendment to this Agreement addressing applicable requirements relating to the tracking, assessment and remittance of purchase and/or redemption fees, or such other arrangement as the parties may adopt.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Multiple Share Class</u> <u>Funds.</u> The parties acknowledge that VALIC does not hold shares other than Investor Shares of any Fund offering multiple share classes (each, a "Multiple Class Fund"). VALIC agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) It will not establish an account in any share class of a Multiple Class Fund other than Investor Shares at any time during the term of this Agreement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) IfV ALIC establishes an account in a share class of a Multiple Class Fund other than Investor Shares in violation of this Section 6(g), Vanguard shall be authorized to cancel the order by means of which the account was established and to terminate the account at any time. Any such cancellation and termination shall be on a current-day basis, and Vanguard will return to VALIC the lesser of (A) the amount initially invested or (B) the then-current value of such investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) <u>VALIC's Frequent Trading Policy.</u> VALIC agrees that it will apply the frequent trading policy described in or attached as Exhibit A to this Agreement to Plan participants and Contract owners investing in the Funds through the Accounts, as such Exhibit may be amended by VALIC upon reasonable advance written notice to Vanguard.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) <u>Extraordinary Plan Events.</u> VALIC is not authorized to accept as Vanguard's agent any purchase or redemption of shares in an amount which equals or exceeds the "Large Transaction Amount" for a Fund (as specified in Exhibit B attached to this Agreement, as in effect from time to time), where such order is the result of an "Extraordinary Plan Event" of which VALIC is aware, unless VALIC has notified Vanguard of such order, by calling VALIC's designated Vanguard operations team, as soon as practicable on the trade date and in no event later than one hour prior to the Market Close on the trade date. For these purposes, an "Extraordinary Plan Event" shall mean an event outside the normal operation of a Plan or an Account such as an entire Plan or Account moving into or out of a Fund or an asset transfer or merger arising from a merger, acquisition or divestiture. In addition, in accordance with the prospectus of each Fund, Vanguard reserves the right to refuse any purchase order, or to delay settlement of any redemption order, which Vanguard, in its sole discretion, deems disruptive or detrimental to the applicable Fund. In connection with any redemption order that equals or exceeds the applicable Large Transaction Amount, Vanguard reserves the right to delay delivery of redemption proceeds for up to seven days, to the extent permitted by applicable law or regulation, or to effect the redemption through an in-kind distribution of securities. Vanguard reserves the right to revise Exhibit B at any time and will provide 30 days' advance written notice of such revision to VALIC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G) <u>Certain Transactions and Restrictions.</u>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) VALIC agrees that it will provide, not later than five Business Days after receipt of a written request by Vanguard on behalf of a Fund, the Taxpayer Identification Number of any or all Plan participants and/or Contract owner(s) and the amount, date, name of investment professional associated with the Plan participant and/or Contract owner (if any), and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange transaction by such Plan participant and/or Contract owner investing in a Fund through an Account, held through an account maintained by VALIC during the specific period covered by the request. Requests must set forth a specific period, not to exceed 90 calendar days from the date of the request, for which transaction information is sought. Vanguard may request transaction information older than 90 calendar days from the date of the request as it deems necessary to investigate compliance with policies established by a Fund for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by such Fund. Unless required by applicable law, rule or regulation, Vanguard and the Funds agree not to use the information received under this Section for marketing or any other purpose not related to (A) limiting or reducing abusive trading in shares issued by the Funds or (B) collecting purchase or redemption fees (if any).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) VALIC agrees that it will execute written instructions from Vanguard on behalf of a Fund, including instructions to restrict or prohibit purchases or exchanges of Fund shares in specific accounts or by or on behalf of specific Plan participants and/or Contract owners identified by such Fund. Any such instructions by Vanguard shall include the Taxpayer Identification Number or equivalent identifying number of the Plan participant(s) and/or Contract owner(s) to which the instructions relate and the specific restriction(s) to be executed. VALIC agrees that it will execute any such instructions as soon as reasonably practicable, but not later than five Business Days after receipt of the instructions by VALIC. VALIC agrees to provide confirmation to Vanguard as soon as reasonably practicable that instructions have been executed, but not later than ten Business Days after the instructions have been executed."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(t) Section 7 of the Agreement is amended and restated to read in full as follows:

"(a) Vanguard shall provide VALIC with as many copies of each Fund's current prospectus, statement of additional information and latest annual and semi-annual report, in each case as VALIC may reasonably request. Vanguard shall provide VALIC with as many copies of any prospectus supplement(s) for each Fund as VALIC may reasonably request.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Upon Vanguard's notification to VALIC of an upcoming Fund proxy solicitation, VALIC shall provide to the Fund's print/mail vendor a list of Plan participant and/or Contract owner addresses as of the requested record date for inclusion in the Fund's proxy mailing. Plan participants and Contract owners, as appropriate, will be responsible for voting all proxies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Copies of the materials described in this Section shall be furnished to VALIC at Vanguard's expense and shall be distributed to Plan participants and Contract owners at VALIC's expense, except that Fund proxy solicitation and/or information statement materials shall be printed and distributed to Plan participants and Contract owners at the expense of Vanguard or the appropriate Fund(s). Unless otherwise provided herein, all parties to this Agreement shall bear all expenses incident to the performance of their respective duties under this Agreement."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Section 16 of the Agreement is amended by adding a new subsection (c) to read in full as follows:

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"(c) This Agreement may be modified or amended from time to time by mutual written agreement of the parties; *provided, however,* that Exhibit A may be modified by VALIC at any time upon reasonable advance written notice to Vanguard, and *provided further,* that Exhibit B may be modified by Vanguard upon 30 days' advance written notice to Vanguard."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) The parties' notice addresses in Section 18 are modified to read as follows: "If to Vanguard The Vanguard Group, Inc.

---

| | |
|:---|:---|
| "If to Vanguard | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Vanguard Group, Inc. |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 Vanguard Boulevard |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Malvern, PA 19355 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Attention: Principal, Institutional Asset Management Operations Fax |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No.: (610) 669-4637 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No.: (610) 669-4637 |
| Copy to: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Vanguard Group, Inc. |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Legal Department, V26 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 Vanguard Blvd. |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Malvern, PA 19355 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Attention: Intermediary Agreements |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fax No.: (610) 503-5737 |
| If to VALIC: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Variable Annuity Life Insurance Company |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2929 Allen Parkway, L4-01 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Houston, TX 77019 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Attention: Katherine Stoner |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fax No.: (713) 831-5011 |
| Copy to: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Variable Annuity Life Insurance Company |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2929 Allen Parkway, L13-20 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Houston, TX 77019 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Attention: Thomas M. Ward |
|  | Fax No.: (713) 831-4124" |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) New Sections 23 and 24 are added to the Agreement to read as follows:

"23. <u>Proprietary Information and Privacy.</u> Each party hereto aclmowledges that the identities of the other party's customers (including, with respect to VALIC, for purposes of this section, Plans, Plan participants and Contract owners), information maintained by such other party regarding those customers ("Customer Information"), and all computer programs and procedures developed by such other party or such other party's affiliates or agents in connection with such other party's performance of its duties hereunder (such information, together with Customer Information, "Confidential Information") constitute the valuable property of such other party. Each party agrees that should it come into possession of any Confidential Information of the other party, pursuant to this Agreement or any other agreement related to services under this Agreement, the party who acquired such Confidential Information (the "receiving party") shall use its best efforts to hold such Confidential Information in confidence and refrain from using, disclosing, or distributing any of such Confidential Information, except (a) as required or necessary to carry out the obligations imposed by this Agreement, (b) with the other party's prior written consent, or (c) as required by law or judicial process. Each party agrees to comply, at a minimum, with all applicable privacy laws, including those promulgated pursuant to Title V of the Grarnm-Leach-Bliley Act of 1999. The receiving party agrees to maintain physical, electronic and procedural safeguards reasonably designed to protect the security, confidentiality, and integrity of, and to prevent unauthorized access to or use of, Customer Information. Each party aclmowledges that any breach of the

------

foregoing agreements as to the other party would result in immediate and irreparable harm to such other party for which there would be no adequate remedy at law and agrees that in the event of such a breach, such other party will be entitled to equitable relief by way of temporary and permanent iajunctions, as well as such other relief as any court of competent jurisdiction shall deem appropriate. Notwithstanding the foregoing, this section shall not prohibit the receiving party from utilizing the other party's Confidential Information, if and to the extent such Confidential Information: (i) is or becomes a matter of public knowledge through no fault of the receiving party; or (ii) was in the receiving party's possession or known by it prior to receipt from such other party; or (iii) was rightfully disclosed to the receiving party by another person without restriction; or (iv) is independently developed by the receiving party without access to such other party's Confidential Information. The provisions of this section shall survive the termination of the Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24. <u>Anti-Money Laundering Policies.</u> VALIC understands and acknowledges that it may have responsibility for complying with applicable federal anti-money laundering laws and regulations with respect to customers. VALIC has adopted and enforces an effective anti-money laundering program as required by applicable federal law and regulation, and will provide to Vanguard such additional certifications as it may request in writing from time to time as to the existence, enforcement and effectiveness of such program."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Schedule A to the Agreement is replaced with Schedule A to this Amendment, and Exhibits A and B to this Amendment are added to the Agreement as Exhibits A and B, respectively.

3. **<u>No Other Amendments.</u>** Except as specifically modified herein, the Agreement remains in full force and effect.

------

SCHEDULE A

VALIC ACCOUNTS

The Variable Annnity Life Insnrance Company Separate Account A

The Variable Annuity Life Insurance Company Separate Account C

------

**Exhibit A** 

**INVESTOR TRADING POLICY** 

VALIC has a policy to discourage excessive trading and market timing. Excessive trading can be harmful for long-term investors because it can be disruptive to a mutual fund and cause fund expenses to increase. **VALIC will permit up to 15 transfers per calendar year between investment options, submitted via the Internet or by telephone.** Multiple transfers between investment options on the same day will be counted as a single transfer for purposes of applying this limitation. Transfers in excess of this limit will be required to be submitted in writing by regular U.S. mail and/or investors may be restricted to one transfer every 30 days.

VALIC's investment options are not designed to accommodate short-term trading or "market timing" organizations or individuals engaged in trading strategies that include programmed transfers, frequent transfers or transfers that are large in relation to the total assets of a mutual fund. These trading strategies may be disruptive to mutual funds by diluting the value of the fund shares, negatively affecting investment strategies and increasing portfolio turnover, as well as raising recordkeeping and transaction costs. Further, excessive trading harms fund investors, as the excessive trader takes security profits intended for the entire fund, in effect forcing securities to be sold to meet redemption needs. The premature selling and disrupted investment strategy causes fund performance to suffer, and exerts downward pressure on the fund's price per share. If VALIC determines, in its sole discretion, that an investor's transfer patterns among the investment options reflect a potentially harmful strategy, VALIC will require that transfers be submitted in writing by regular U.S. mail, to protect the other investors.

Regardless of the number of transfers an investor has made, VALIC will monitor and may restrict investors' transfer privileges, if it appears that an investor is engaging in a potentially harmful pattern of transfers. VALIC will notify an investor in writing if the investor is restricted to mailing transfer requests to us via the U.S. mail service. Some of the factors VALIC will consider when reviewing transfer activities include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the dollar amount of the transfer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the total assets of the investment options involved in the transfer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the number of transfers completed in the current calendar quarter; and/or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• whether the transfer is part of a pattern of transfers to take advantage of short-term market fluctuations.

VALIC intends to enforce these frequent trading policies uniformly. VALIC makes no assurances that all the risks associated with frequent trading will be completely eliminated by these policies and/or restrictions. If VALIC is unable to detect or prevent market timing activity, the effect of such activity may result in additional transaction costs for the investment options and dilution of long-term performance returns. Thus, an investor's account value may be lower due to the effect of the extra costs and resultant lower performance. VALIC reserves the right to modify these policies at any time.

**Rev. May 1, 2005** 

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**EXHIBIT B** 

**LARGE TRANSACTION AMOUNTS** 

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| | | | |
|:---|:---|:---|:---|
| **Fund Name\*** | **Fund<br>Number** | **Ticker<br>Symbol** | **Large Transaction<br>Amount** |
|  Vanguard 500 Index Fund (Investor) | 0040 | VFINX | $1000000 |
|  Vanguard 500 Index Fund (Admiral) | 0540 | VFIAX | 1000000 |
|  Vanguard Admiral Treasury Money Market Fund | 0011 | VUSXX | 5000000 |
|  Vanguard Asset Allocation Fund (Investor) | 0078 | VAAPX | 3000000 |
|  Vanguard Asset Allocation Fund (Admiral) | 0578 | VAARX | 3000000 |
|  Vanguard Balanced Index Fund (Investor) | 0002 | VBINX | 1000000 |
|  Vanguard Balanced Index Fund (Admiral) | 0502 | VBIAX | 1000000 |
|  Vanguard Balanced Index Fund (Institutional) | 0869 | VBAIX | 1000000 |
|  **Vanguard California Intermediate-Term Tax-Exempt Fund (Investor)** | 0100 | VCAIX | 1000000 |
|  **Vanguard California Intermediate-Term Tax-Exempt Fund (Admiral)** | 5100 | VCADX | 1000000 |
|  Vanguard California Long-Term Tax-Exempt Fund (Investor) | 0075 | VCITX | 1000000 |
|  Vanguard California Long-Term Tax-Exempt Fund (Admiral) | 0575 | VCLAX | 1000000 |
|  **Vanguard California Tax-Exempt Money Market Fund** | 0062 | VCTXX | 1000000 |
|  Vanguard Capital Opportunity Fund (Investor) | Olli | VHCOX | 1000000 |
|  Vanguard Capital Opportunity Fund (Admiral) | 5111 | VHCAX | 1000000 |
|  Vanguard Capital Value Fund | 0328 | VCVLX | 500000 |
|  **Vanguard Consumer Discretionary Index Fund (Admiral)** | 5483 | VCDAX | 100000 |
|  Vanguard Consumer Staples Index Fund (Admiral) | 5484 | VCSAX | 100000 |
|  **Vanguard Convertible Securities Fund** | 0082 | VCVSX | 500000 |
|  Vanguard Developed Markets Index Fund | 0227 | VDMIX | 500000 |
|  Vanguard Diversified Equity Fund | 0608 | VDEQX | 25000 |
|  **Vanguard Dividend Appreciation Index Fund** | 0602 | VDAIX | 100000 |
|  **Vanguard Dividend Growth Fund** | 0057 | VDIGX | 1000000 |
|  Vanguard Emerging Markets Stock Index Fund (Investor) | 0533 | VEIEX | 250000 |
|  Vanguard Emerging Markets Stock Index Fund (Admiral) | 5533 | VEMAX | 250000 |
|  Vanguard Emerging Markets Stock Index Fund (Institutional) | 0239 | VEMIX | 250000 |
|  **Vanguard Energy Fund (Investor)** | 0051 | VGENX | 1000000 |
|  Vanguard Energy Fund (Admiral) | 0551 | VGELX | 1000000 |
|  Vanguard Energy Index Fund (Admiral) | 5480 | VENAX | 200000 |
|  Vanguard Equity Income Fund (Investor) | 0065 | VEIPX | 2000000 |
|  Vanguard Equity Income Fund (Admiral) | 0565 | VEIRX | 2000000 |
|  Vanguard European Stock Index Fund (Investor) | 0079 | VEURX | 500000 |
|  Vanguard European Stock Index Fund (Admiral) | 0579 | VEUSX | 500000 |
|  Vanguard European Stock Index Fund (Institutional) | 0235 | VESIX | 500000 |
|  **Vanguard Explorer Fund (Investor)** | 0024 | VEXPX | 1000000 |
|  Vanguard Explorer Fund (Admiral) | 5024 | VEXRX | 1000000 |
|  Vanguard Extended Market Index Fund (Investor) | 0098 | VEXMX | 1000000 |
|  Vanguard Extended Market Index Fund (Admiral) | 0598 | VEXAX | 1000000 |
|  Vanguard Extended Market Index Fund (Institutional) | 0856 | VIEIX | 1000000 |
|  Vanguard Federal Money Market Fund | 0033 | VMFXX | 25000000 |
|  Vanguard Financials Index Fund (Admiral) | 5486 | VFAIX | 200000 |
|  **Vanguard Florida Long-Term Tax-Exempt Fund (Investor)** | 0018 | VFLTX | 1000000 |
|  Vanguard Florida Long-Term Tax-Exempt Fund (Admiral) | 0518 | VFLRX | 1000000 |
|  Vanguard FTSE All-World ex-US Index Fund (Institutional) | 0881 | VFWSX | 25000 |
|  Vanguard FTSE All-World ex-US Index Fund (Investor) | 0770 | VFWIX | 25000 |
|  Vanguard FTSE Social Index Fund (Investor) | 0213 | VFTSX | 100000 |
|  Vanguard FTSE Social Index Fund (Institutional) | 0223 | VFTNX | 100000 |
|  Vanguard Global Equity Fund | 0129 | VHGEX | 1000000 |
|  Vanguard GNMA Fund (Investor) | 0036 | VFIIX | 5000000 |
|  Vanguard GNMA Fund (Admiral) | 0536 | VFW(| 5000000 |
|  Vanguard Growth Equity Fund (Investor) | 0544 | VGEQX | 1000000 |
|  Vanguard Growth and Income Fund (Investor) | 0093 | VQNPX | 2000000 |
|  Vanguard Growth and Income Fund (Admiral) | 0593 | VGIAX | 2000000 |
|  Vanguard Growth Index Fund (Investor) | 0009 | V!GRX | 1000000 |
|  Vanguard Growth Index Fund (Admiral) | 0509 | VIGAX | 1000000 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Fund Name\*** | **Fund<br>Number** | **Ticker<br>Symbol** | **Large Transaction<br>Amount** |
|  Vanguard Growth Index Fund (Institutional) | 0868 | VIGIX | 1000000 |
|  Vanguard Health Care Fund (Investor) | 0052 | VGHCX | 5000000 |
|  Vanguard Health Care Fund (Admiral) | 0552 | VGHAX | 5000000 |
|  Vanguard Health Care Index Fund (Admiral) | 5485 | VHCIX | 200000 |
|  Vanguard High Dividend Yield Index Fund | 0623 | VHDYX | 25000 |
|  Vanguard High-Yield Corporate Fund (Investor) | 0029 | VWEHX | 5000000 |
|  Vanguard High-Yield Corporate Fund (Admiral) | 0529 | VWEAX | 5000000 |
|  Vanguard High-Yield Tax-Exempt Fund (Investor) | 0044 | VWAHX | 1000000 |
|  Vanguard High-Yield Tax-Exempt Fund (Admiral) | 5044 | VWALX | 1000000 |
|  Vanguard Industrials Index Fund (Admiral) | 5482 | VINAX | 100000 |
|  **Vanguard Inflation-Protected Securities Fund (Investor)** | 0119 | VIPSX | 1500000 |
|  **Vanguard Inflation-Protected Securities Fund (Admiral)** | 5119 | VAIPX | 1500000 |
|  Vanguard Inflation-Protected Securities Fund (Institutional) | 1190 | VIPIX | 1500000 |
|  Vanguard Information Technology Index Fund (Admiral) | 5487 | VITAX | 100000 |
|  **Vanguard Institutional Developed Markets Index Fund** | 0234 | VIDMX | 500000 |
|  Vanguard Institutional Index Fund (Institutional) | 0094 | VINIX | 1000000 |
|  Vanguard Institutional Index Fund (Institutional Plus) | 0854 | VIIIX | 1000000 |
|  **Vanguard Institutional Total Bond Market Index Fund** | 0337 | VITBX | 1000000 |
|  Vanguard Institutional Total Stock Market Index Fund (Institutional) | 0870 | VITNX | 1000000 |
|  Vanguard Institutional Total Stock Market Index Fund (Institutional Plus) | 0871 | VITPX | 1000000 |
|  Vanguard Insured Long-Term Tax-Exempt Fund (Investor) | 0058 | VlLPX | 1000000 |
|  Vanguard Insured Long-Term Tax-Exempt Fund (Admiral) | 0558 | VILQX | 1000000 |
|  **Vanguard Intermediate-Term Bond Index Fund (Investor)** | 0314 | VBIIX | 1000000 |
|  Vanguard Intermediate-Term Bond Index Fund (Admiral) | 5314 | VBILX | 1000000 |
|  **Vanguard Intermediate-Term Bond Index Fund (Institutional)** | 0504 | VBIMX | 1000000 |
|  Vanguard Intermediate-Term Investment-Grade Fund (Investor) | 0071 | VFICX | 1000000 |
|  Vanguard Intermediate-Term Investment-Grade Fund (Admiral) | 0571 | VFIDX | 1000000 |
|  **Vanguard Intermediate-Term Tax-Exempt Fund (Investor)** | 0042 | VWITX | 1000000 |
|  **Vanguard Intermediate-Term Tax-Exempt Fund (Admiral)** | 0542 | VWIUX | 1000000 |
|  **Vanguard Intermediate-Term Treasury Fund (Investor)** | 0035 | VFITX | 1000000 |
|  **Vanguard Intermediate-Term Treasury Fund (Admiral)** | 0535 | VFIUX | 1000000 |
|  **Vanguard International Explorer Fund** | 0126 | VINEX | 1000000 |
|  Vanguard International Growth Fund (Investor) | 0081 | VWIGX | 2000000 |
|  Vanguard International Growth Fund (Admiral) | 0581 | VWILX | 2000000 |
|  **Vanguard International Value Fund** | 0046 | VTRIX | 2000000 |
|  Vanguard Large-Cap Index Fund (Investor) | 0307 | VLACX | 200000 |
|  Vanguard Large-Cap Index Fund (Admiral) | 5307 | VLCAX | 200000 |
|  Vanguard Large-Cap Index Fund (Institutional) | 0807 | VLISX | 200000 |
|  **Vanguard LifeStrategy Conservative Growth Fund** | 0724 | VSCGX | 1000000 |
|  Vanguard LifeStrategy Growth Fund | 0122 | VASGX | 1000000 |
|  Vanguard LifeStrategy Income Fund | 0723 | VASIX | 1000000 |
|  Vanguard LifeStrategy Moderate Growth Fund | 0914 | VSMGX | 1000000 |
|  **Vanguard Limited-Term Tax-Exempt Fund (Investor)** | 0031 | VMLTX | 1000000 |
|  Vanguard Limited-Term Tax-Exempt Fund (Admiral) | 0531 | VMLUX | 1000000 |
|  Vanguard Long-Term Bond Index Fund (Investor) | 0522 | VBLTX | 250000 |
|  Vanguard Long-Term Bond Index Fund (Institutional) | 0545 | VBLLX | 250000 |
|  Vanguard Long-Term Investment-Grade Fund (Investor) | 0028 | VWESX | 5000000 |
|  Vanguard Long-Term Investment-Grade Fund (Admiral) | 0568 | VWETX | 5000000 |
|  Vanguard Long-Term Tax-Exempt Fund (Investor) | 0043 | VWLTX | 1000000 |
|  Vanguard Long-Term Tax-Exempt Fund (Admiral) | 0543 | VWLUX | 1000000 |
|  **Vanguard Long-Term Treasury Fund (Investor)** | 0083 | VUSTX | 1000000 |
|  **Vanguard Long-Term Treasury Fund (Admiral)** | 0583 | VUSUX | 1000000 |
|  **Vanguard Massachusetts Tax-Exempt Fund** | 0168 | VMATX | 500000 |
|  Vanguard Materials Index Fund (Admiral) | 5481 | VMIAX | 100000 |
|  Vanguard Mid-Cap Growth Fund | 0301 | VMGRX | 1000000 |
|  Vanguard Mid-Cap Growth Index Fund | 0832 | VMGIX | 100000 |
|  Vanguard Mid-Cap Index Fund (Investor) | 0859 | VIMSX | 1000000 |
|  Vanguard Mid-Cap Index Fund (Admiral) | 5859 | VIMAX | 1000000 |
|  Vanguard Mid-Cap Index Fund (Institutional) | 0864 | VMCIX | 1000000 |
|  Vanguard Mid-Cap Value Index Fund | 0835 | VMVIX | 100000 |
|  Vanguard Morgan Growth Fund (Investor) | 0026 | VMRGX | 5000000 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Fund Name\*** | **Fund<br>Number** | **Ticker<br>Symbol** | **Large Transaction<br>Amount** |
|  Vanguard Morgan Growth Fund (Admiral) | 0526 | VMRAX | 5000000 |
|  Vanguard New Jersey Long-Term Tax-Exempt Fund (Investor) | 0014 | VNJTX | 1000000 |
|  Vanguard New Jersey Long-Term Tax-Exempt Fund (Admiral) | 0514 | VNJUX | 1000000 |
|  Vanguard New Jersey Tax-Exempt Money Market Fund | 0095 | VNJXX | 1000000 |
|  Vanguard New York Long-Term Tax-Exempt Fund (Investor) | 0076 | VNYTX | 1000000 |
|  Vanguard New York Long-Term Tax-Exempt Fund (Admiral) | 0576 | VNYUX | 1000000 |
|  Vanguard New York Tax-Exempt Money Market Fund | 0163 | VYFXX | 1000000 |
|  **Vanguard Ohio Long-Term Tax-Exempt Fund** | 0097 | VOHIX | 500000 |
|  **Vanguard Ohio Tax-Exempt Money Market Fund** | 0096 | VOHXX | 1000000 |
|  Vanguard Pacific Stock Index Fund (Investor) | 0072 | VPACX | 250000 |
|  Vanguard Pacific Stock Index Fund (Admiral) | 0572 | VPADX | 250000 |
|  Vanguard Pacific Stock Index Fund (Institutional) | 0237 | VPKIX | 250000 |
|  Vanguard Pennsylvania Long-Term Tax-Exempt Fund (Investor) | 0077 | VPAlX | 1000000 |
|  **Vanguard Pennsylvania Long-Term Tax-Exempt Fund (Admiral)** | 0577 | VPALX | 1000000 |
|  **Vanguard Pennsylvania Tax-Exempt Money Market Fund** | 0063 | VPTXX | 1000000 |
|  Vanguard Precious Metals & Mining Fund | 0053 | VGPMX | 1000000 |
|  Vanguard Prime Money Market Fund | 0030 | VMMXX | 25000000 |
|  Vanguard Prime Money Market Fund (Institutional) | 0066 | VMRXX | 25000000 |
|  Vanguard PRIMECAP Core Fund | 1220 | VPCCX | 1000000 |
|  Vanguard PRIMECAP Fund (Investor) | 0059 | VPMCX | 1000000 |
|  Vanguard PRIMECAP Fund (Admiral) | 0559 | VPMAX | 1000000 |
|  Vanguard REIT Index Fund (Investor) | 0123 | VGSIX | 500000 |
|  Vanguard REIT Index Fund (Admiral) | 5123 | VGSLX | 500000 |
|  Vanguard REIT Index Fund (Institutional) | 3123 | VGSNX | 500000 |
|  Vanguard Selected Value Fund | 0934 | VASVX | 2000000 |
|  Vanguard Short-Term Bond Index Fund (Investor) | 0132 | VBISX | 2000000 |
|  Vanguard Short-Term Bond Index Fund (Admiral) | 5132 | VBIRX | 2000000 |
|  Vanguard Short-Term Federal Fund (Investor) | 0049 | VSGBX | 1000000 |
|  Vanguard Short-Term Federal Fund (Admiral) | 0549 | VSGDX | 1000000 |
|  Vanguard Short-Term Investment-Grade Fund (Investor) | 0039 | VFSTX | 1000000 |
|  **Vanguard Short-Term Investment-Grade Fund (Admiral)** | 0539 | VFSUX | 1000000 |
|  Vanguard Short-Term Investment-Grade Fund (Institutional) | 0858 | VFSIX | 1000000 |
|  Vanguard Short-Term Tax-Exempt Fund (Investor) | 0041 | VWSTX | 1000000 |
|  Vanguard Short-Term Tax-Exempt Fund (Admiral) | 0541 | VWSUX | 1000000 |
|  Vanguard Short-Term Treasury Fund (Investor) | 0032 | VFISX | 1000000 |
|  Vanguard Short-Term Treasury Fund (Admiral) | 0532 | VFIRX | 1000000 |
|  Vanguard Small-Cap Growth Index Fund | 0861 | VISGX | 500000 |
|  Vanguard Small-Cap Growth Index Fund (Institutional) | 0866 | VSGIX | 500000 |
|  Vanguard Small-Cap Index Fund (Investor) | 0048 | NAESX | 1000000 |
|  Vanguard Small-Cap Index Fund (Admiral) | 0548 | VSMAX | 1000000 |
|  Vanguard Small-Cap Index Fund (Institutional) | 0857 | VSCIX | 1000000 |
|  Vanguard Small-Cap Value Index Fund | 0860 | VISVX | 500000 |
|  Vanguard Small-Cap Value Index Fund (Institutional) | 0865 | VSIIX | 500000 |
|  Vanguard STAR Fund | 0056 | VGSTX | 1000000 |
|  Vanguard Strategic Equity Fund | 0114 | VSEQX | 250000 |
|  Vanguard Strategic Small-Cap Equity Fund | 0615 | VSTCX | 100000 |
|  Vanguard Structured Broad Market Fund (Institutional) | 0882 | VSBMX | 25000 |
|  Vanguard Structured Broad Market Fund (Institutional Plus) | 0883 | VSBPX | 25000 |
|  Vanguard Structured Large-Cap Equity Fund (Institutional) | 0872 | VSLIX | 25000 |
|  Vanguard Structured Large-Cap Equity Fund (Institutional Plus) | 0873 | VSLPX | 25000 |
|  Vanguard Structured Large-Cap Growth Fund (Institutional) | 0876 | VSTLX | 25000 |
|  Vanguard Structured Large-Cap Growth Fund (Institutional Plus) | 0877 | VSGPX | 25000 |
|  **Vanguard Structured Large-Cap Value Fund (Institutiona1)** | 0874 | VSEVX | 25000 |
|  Vanguard Structured Large-Cap Value Fund (Institutional Plus) | 0875 | VSLVX | 25000 |
|  **Vanguard Target Retirement Income Fund** | 0308 | VTINX | 500000 |
|  Vanguard Target Retirement 2005 Fund | 0302 | VTOVX | 500000 |
|  **Vanguard Target Retirement 2010 Fund** | 0681 | VTENX | 100000 |
|  Vanguard Target Retirement 20I*5* Fund | 0303 | VTXVX | 1000000 |
|  Vanguard Target Retirement 2020 Fund | 0682 | VTWNX | 100000 |
|  Vanguard Target Retirement 2025 Fund | 0304 | VTTVX | 1000000 |
|  Vanguard Target Retirement 2030 Fund | 0695 | VTHRX | 100000 |
|  Vanguard Target Retirement 2035 Fund | 0305 | VTTHX | 1000000 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Fund Name\*** | **Fund<br>Number** | **Ticker<br>Symbol** | **Large Transaction<br>Amount** |
|  Vanguard Target Retirement 2040 Fund | 0696 | VFORX | 25000 |
|  Vanguard Target Retirement 2045 Fund | 0306 | VTIVX | 1000000 |
|  Vanguard Target Retirement 2050 Fund | 0699 | VFIFX | 25000 |
|  Vanguard Tax-Exempt Money Market Fund | 0045 | VMSXX | 1000000 |
|  Vanguard Tax-Managed Balanced Fund | 0103 | VTMFX | 250000 |
|  Vanguard Tax-Managed Capital Appreciation Fund (Investor) | 0102 | VMCAX | 500000 |
|  Vanguard Tax-Managed Capital Appreciation Fund (Admiral) | 5102 | VTCLX | 500000 |
|  Vanguard Tax-Managed Capital Appreciation Fund (Institutional) | 0135 | VTCIX | 500000 |
|  Vanguard Tax-Managed Growth & Income Fund (Investor) | 0101 | VTGIX | 500000 |
|  Vanguard Tax-Managed Growth & Income Fund (Admiral) | 5101 | VTGLX | 500000 |
|  Vanguard Tax-Managed Growth & Income Fund (Institutional) | 0136 | VTMIX | 500000 |
|  Vanguard Tax-Managed International Fund (Investor) | 0127 | VTMGX | 250000 |
|  Vanguard Tax-Managed International Fund (Institutional) | 0137 | VTMNX | 250000 |
|  Vanguard Tax-Managed Small-Cap Fund (Investor) | 0116 | VTMSX | 500000 |
|  Vanguard Tax-Managed Small-Cap Fund (Institutional) | 0118 | VTSIX | 500000 |
|  **Vanguard Telecommunication Services Index Fund (Admiral)** | **5488** | **VTCAX** | 200000 |
|  Vanguard Total Bond Market Index Fund (Investor) | 0084 | VBMFX | 5000000 |
|  Vanguard Total Bond Market Index Fund (Admiral) | 0584 | VBTLX | 5000000 |
|  Vanguard Total Bond Market Index Fund (Institutional) | 0222 | VBTIX | 5000000 |
|  Vanguard Total International Stock Index Fund | 0113 | VGTSX | 500000 |
|  Vanguard Total Stock Market Index Fund (Investor) | 0085 | VTSMX | 1000000 |
|  Vanguard Total Stock Market Index Fund (Admiral) | 0585 | VTSAX | 1000000 |
|  Vanguard Total Stock Market Index Fund (Institutional) | 0855 | VITSX | 1000000 |
|  Vanguard Treasury Money Market Fund | 0050 | VMPXX | 5000000 |
|  Vanguard U.S. Growth Fund (Investor) | 0023 | VWUSX | 5000000 |
|  Vanguard U.S. Growth Fund (Admiral) | 0523 | VWUAX | 5000000 |
|  Vanguard U.S. Value Fund | 0124 | VUVLX | 1000000 |
|  Vanguard Utilities Index Fund (Admiral) | 5489 | VUIAX | 100000 |
|  Vanguard Value Index Fund (Investor) | 0006 | VIVAX | 1000000 |
|  Vanguard Value Index Fund (Admiral) | 0506 | VVIAX | 1000000 |
|  Vanguard Value Index Fund (Institutional) | 0867 | VIVIX | 1000000 |
|  Vanguard Wellesley Income Fund (Investor) | 0027 | VWINX | 5000000 |
|  Vanguard Wellesley Income Fund (Admiral) | 0527 | VWIAX | 5000000 |
|  Vanguard Wellington Fund (Investor) | 0021 | VWELX | 5000000 |
|  Vanguard Wellington Fund (Admiral) | 0521 | VWENX | 5000000 |
|  Vanguard Windsor Fund (Investor) | 0022 | VWNDX | 5000000 |
|  Vanguard Windsor Fund (Admiral) | 5022 | VWNEX | 5000000 |
|  Vanguard Windsor II Fund (Investor) | 0073 | VWNFX | 5000000 |
|  Vanguard Windsor JI Fund (Admiral) | 0573 | VWNAX | 5000000 |

---

**\*The availability of funds may vary because of fund openings and closings or changes in minimum initial investments.** 

------

**AMENDMENT NO. 1 TOP ARTICIPATION AGREEMENT** 

**THIS AMENDMENT NO. 1 TO PARTICIPATION AGREEMENT** (the "Amendment") is effective as of July 17, 1998, by and among THE VARIABLE ANNUITY LIFE INSURANCE COMPANY (the "Company") and THE VANGUARD GROUP, INC. (the "Adviser").

**RECITALS** 

WHEREAS, the Company, the Adviser and certain Funds are parties to that Participation Agreement dated May 18, 1996 (the "Agreement") in connection with the participation by the Funds in Contracts offered by the Company; and

WHEREAS, the Company and the Adviser desire to limit the parties to the Agreement and desire to list new Funds under the Agreement;

NOW, THEREFORE, in consideration of the mutual promises set forth herein, the Company and the Adviser agree as follows:

The parties to the Agreement hereafter shall be the Company and the Adviser, and shall not require that each Fund under the Agreement be a party to the Agreement.

The Adviser shall uphold the representations made by the Funds in the Agreement. Schedules A and B shall be combined into said Schedule A, and Schedule A to this

Amendment shall replace the Schedule A and Schedule B to the Agreement.

Schedule A will list the Vanguard Funds and Portfolios to be used as funding vehicles by the Company under the Agreement.

IN WITNESS WHEREOF, the undersigned have executed this Amendment No. 1 effective the day and year first above written.

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| | | | |
|:---|:---|:---|:---|
| THE VARIABLE ANNUITY | THE VARIABLE ANNUITY | THE VANGUARD GROUP, INC. | THE VANGUARD GROUP, INC. |
| LIFE INSURANCE COMPANY | LIFE INSURANCE COMPANY |  |  |
| By: | ![LOGO](g934124page048.jpg) | By: | ![LOGO](g934124dsp463.jpg) |
|  | <br> Cynthia A. Toles<br> Senior Vice President, |  | <br> Dennis Simmons |
|  | General Counsel and Secretary |  | Principal - Legal |

---

------

**SCHEDULE A** 

**Vanguard / Wellington Fund** 

**Vanguard / Windsor II** 

**Vanguard Fixed Income Securities Fund, Inc.** 

Long-Term Corporate Portfolio

Long-Term U.S. Treasury Portfolio

**Vanguard STAR Fund** 

Vanguard LifeStrategy Growth Portfolio

Vanguard LifeStrategy Moderate Growth Portfolio

Vanguard LifeStrategy Conservative Growth Portfolio

• Each Vanguard Fund is organized as a Delaware Business Trust

• Notices may be sent to the Funds at:

The Vanguard Group, Inc., Post Office Box 2600, Valley Forge, PA 19482,

(for overnight delivery)

The Vanguard Group, Inc., 100 Vanguard Boulevard, Malvern, PA 19355

------

**AGREEMENT AND INDEMNIFICATION** 

THIS AGREEMENT AND INDEMNIFICATION is effective on the last date executed, •between The Vanguard Group of Investment Companies, hereafter referred to as "Vanguard" and The Variable Annuity Life Insurance Company, hereafter referred to as "VALIC'1.

WHEREAS, Vanguard and VALIC intend to enter into a certain agreement for the participation of certain Vanguard Mutual Funds, hereafter "Participating Mutual Funds" as portfolios underlying certain VALIC variable annuity products to be issued in California and elsewhere; and

WHEREAS, the California Department of Insurance requires a letter from Vanguard committing such Funds to abide by certain foreign investment restrictions (hereinafter referred to as the "California Foreign Investment Restrictions");

NOW THEREFORE, in consideration of the mutual covenants herein, VALIC and Vanguard agree as follows:

1. Vanguard will execute and deliver to VALIC or as instructed by VALIC, a commitment letter on behalf of each participating mutual fund, substantially in the Form as attached hereto as Exhibit 1.

2. VALIC will monitor the Participating Mutual Funds for actual or threatened violation of the California Foreign Investment Restrictions.

3. For each fund which Vanguard requires VALIC to monitor for violation of the California Foreign Investment Restrictions, Vanguard will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) supply VALIC with the name and current value of each security in such fund, along with such information as VALIC and Vanguard shall agree is necessary and reasonable to identify and quantify the percentage of each foreign investment to the total portfolio, by country or nation to the extent required by California Foreign Investment Restrictions. Vanguard will provide VALIC with such information each calendar quarter via a means of electronic data transmission mutually acceptable to both parties. VALIC agrees to use such information supplied by Vanguard for the limited purpose of monitoring the California Investment Restrictions unless VALIC has received Vanguard's written authorization to use such information for other purposes, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) promptly advise VALIC of any change in Fundamental Investment Policy or in Non-Fundamental Investment Policy or in Investment Strategy, which Vanguard believes could have a substantive impact on any such fund's likelihood of failing to comply with the California Foreign Investment Restrictions.

------

4. VALIC will immediately advise Vanguard in writing upon VALIC's determination that any of such monitored funds has exceeded any of the California Foreign Investment Restrictions, or based on the policy and strategy of such fund appears to be in danger of exceeding any of such Restrictions.

5. VALIC further agrees to indemnify and hold harmless Vanguard, its officers and employees, agents, assigns, and successors from any and all loss or damage arising from VALIC's failure to monitor or to timely report any violation or determination of danger of violation of any then viable and enforceable California Foreign Investment Restriction.

The parties have executed this Agreement and Indemnification on the dates indicated below.

The Variable Annuity Life Insurance Company

---

| | | |
|:---|:---|:---|
| By: |  | Date : 5/15/96 |
|  | <br> Name: Stephen D. Bickel |  |
|  | Title: Chairman and CEO |  |

---

The Vanguard Group of Investment Companies

---

| | |
|:---|:---|
| ![LOGO](g934124page051b.jpg) | Date *<u>5/21/96</u>* |
| <br> Officer |  |

---

------

**<u>EXHIBIT 1</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;May<u> </u> 1996

**<u>VIA FEDERAL EXPRESS</u>**

Mr. Charles W. Quackenbush

Insurance Commissioner

California Department of Insurance

770 L Street, Suite 1120

Sacramento, California 95814

Re: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>Investment Restrictions</u>

Dear Sir:

We submit this commitment letter to you in connection with The Variable Annuity Life Insurance Company's (VALIC's) amendment to its application for variable annuity authority in California, concerning the underlying portfolios of VALIC's separate accounts.

We understand the California borrowing limits and foreign investment diversification requirements as follows:

<u>BORROWING LIMITS</u> 

These limits are (1) 10% for net asset value when borrowing fro any general purpose; and (2) 25% of net asset value when borrowing as a temporary measure to facilitate redemptions. Net asset value of a portfolio is the market value of all investments or assets owned less outstanding liabilities of the portfolio at the time that any new or additional borrowing is undertaken.

<u>FOREIGN INVESTMENTS DIVERSIFICATION REQUIREMENTS</u> 

These guidelines are that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A portfolio will be invested in a minimum of five different foreign countries at all times. However, this minimum is reduced to four when foreign country investments comprise less than 80% of the portfolio's net asset value; to three when less than 60% of such value; to two when less than 40%; and to one when less than 20%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Except as set forth in items 3 and 4 below, a portfolio will have no more than 20% of its net asset value invested in securities of issuers located in any one country.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. A portfolio may have an additional 15% of its value invested in securities of issuers located in any one of the following countries: Australia, Canada, France, Japan, the United Kingdom or Germany.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. A portfolio's investments in United States issuers are not subject to the foreign country diversification guidelines

The Vanguard Group, Inc. represents that the investment objectives and operations of the following funds: Vanguard Fixed Income Securities Fund -- Long-Term U.S. Treasury Portfolio; Vanguard Fixed Income Securities Fund -- Long-Term Corporate Portfolio; Vanguard/Wellington Fund; and Vanguard/Windsor II Fund (collectively referred to as the "Funds"), currently and in the foreseen future will meet the above borrowing limits and Foreign Investment Diversification Requirements. We further commit on behalf of the Funds to withdraw this commitment by written notice to you, and to VALIC, if the investment objectives or operations of any of the Funds should change in such a way that such limits and requirements are not continued to be met with respect to any of the Funds.

Very truly yours, Raymond J. Klapinsky Secretary

------

![LOGO](g934124g0723194540124.jpg)

May 8, 1996

**<u>VIA FEDERAL EXPRESS</u>**

Mr. Charles W. Quackenbush

Insurance Commissioner

California Department of Insurance

770 L Street, Suite 120

Sacramento, California 95814

Re: Investment Restrictions

Dear Sir: <br>

We submit this commitment letter to you in connection with The Variable Annuity:Life . Insurance Company's (VALIC's) amendment to its application for variable annuity authority in California, concerning the underlying portfolios of VALIC's separate accounts.

We understand the California, borrowing limits and foreign investment diversification requirements as follows:

<u>BORROWING LIMITS</u> 

These limits are (1) l0% for net asset value when borrowing for any general purpose; and (2) 25% of net asset value when borrowing as a temporary measure to facilitate redemptions. Net asset value of a portfolio is the market value of all investments or assets owned less outstanding liabilities of the portfolio at the time that any new or additional borrowing is undertaken.

<u>FOREIGN INVESTMENTS DIVERSIFICATION REQUIREMENTS</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;These guidelines are that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A portfolio will be invested in a minimum of five different foreign countries at all times. However, this minimum is reduced to four when foreign country investments comprise less than 80% of the portfolio's net asset value; to three when less than 60% of such value; to two when less than 40%; and to one whenless than 20%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Except as set forth in items 3 and 4 below, a portfolio will have no more than 20% of its net asset value invested in securities of issuers located in any one country.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. A portfolio may have an additional 15% of its value invested in securities of issuers located in any one of the following countries: Australia, Canada, France, Japan, the United Kingdom or Germany.

Post Office Box 2600 ◾ Valley Forge, Pennsylvania 19482-2600 ◾ (610) 669-1000

------

Mr. Charles W. Quackenbush

May 8, 1996

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. A portfolio's investments in United States issuers are not subject to the foreign country diversification guidelines.

The Vanguard Group, Inc. represents that the investment objectives and operations of the following funds: Vanguard Fixed Income Securities Fund -- Long-Term U. S. Treasury Portfolio; Vanguard Fixed Income Securities Fund -- Long-Term Corporate Portfolio; Vanguard/Wellington Fund and Vanguard/Windsor II Fund (collectively referred to as the "Funds"), currently and in the foreseen future will meet the above borrowing limits and Foreign Investment Diversification Requirements. We further commit on behalf of the Funds to withdraw this commitment by written notice to you, and to VALIC, if the investment objectives or operations of any of the Funds should change in such a way that such limits and requirements are not continued to be met with respect to any of the Funds.

---

| |
|:---|
| Very truly yours, |
| ![LOGO](g934124page056.jpg) |
| Raymond J. Klapinsky |
| Secretary |
| cc: Jim Janke - VALIC |

---

------

![LOGO](g934124g0723194540301.jpg)

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| | |
|:---|:---|
| May 22, 1996 | *RECEIVED*<br> *May 29* ***1996***<br>*LAW DIVISION* |

---

Mr. James F. Janke

Senior Associate General Counsel

The Variable Annuity Life Insurance Company

2929 Allen Parkway

Houston, TX 77019

Re: <u>Agreement and Indemnification</u>

Dear Jim:

I have enclosed a fully executed original of the Agreement and Indemnification between VALIC and Vanguard. We have retained the other original for our files.

Thank you for your assistance with this issue and please call with any questions or concerns.

Very truly yours,<br>![LOGO](g934124page058.jpg) <br>Dennis Simmons<br> Attorney -- Institutional Legal Department<br>

Enclosure

Post Office Box 2900 • Valley Forge, Pennsylvania 19482-2900 • (800) 523-1036

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![LOGO](g934124g0723194540496.jpg)

**VALIC** 

\* An American General Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;August 18, 1997

Cynthia A. Toles

Senwr Associate General Counsel

And Secretary

William R. Gustafson, Principal

Institutional Marketing

The Vanguard Group, Inc.

Vanguard Financial Center

100 Vanguard Blvd.

Malvern, PA 19355

Re: Aetna No-Action Letter and Summary Fund Prospectuses

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| | | |
|:---|:---|:---|
| Enclosures: | (1) | Draft Fund Summaries |
|  | (2) | Summary of Aetna No-Action Letter |
|  | (3) | Copies of Aetna No-Action Letter Request and SEC Staff'Response |

---

Dear Mr. Gustafson:

In light of a no-action letter recently issued to Aetna Life Insurance and Annuity Company ("Aetna") by the staff of the Office of Insurance Products of the Division of Investment Management of the Securities and Exchange Commission, VALIC is planning to change its prospectus delivery procedures for group variable annuity contracts to use summary fund prospectuses. Draft summaries for your funds are attached behind Tab 1. We have also attached a Summary of the Aetna no-action position (Tab 2) as well as the no-action request and SEC staff response (Tab 3).

We have all struggled with the current "pizza box" method of delivery of multiple fund prospectuses under variable insurance products. Essentially, the no-action letter permits insurers such as VALIC to deliver, at the time of enrollment, prospectus summaries instead of full statutory prospectuses for an insurance product and each of the underlying funds, so long as the summaries contain a legend indicating how a full statutory prospectus may be obtained. Under the Aetna no-action letter, the summary prospectuses are treated as Rule 482 ads. These new procedures will permit tremendous cost savings and provide a more effective and efficient way of providing necessary fund disclosure. We propose to implement the use of fund prospectus summaries at the time of enrollment, but will continue to provide our full statutory insurance product prospectus. We will continue to provide full fund statutary prospectuses to group sponsors, as well as to individual participants and upon request.

The Variable Annuity

Life Insurance Company

2929 Allen Parkway

Houston, Texas 77019

P.O. Box 3206

Houston, Texas 77253-3206

(713) 831-5065

------

William R. Gustafson, Principal

August 18, 1997

We hope to implement these procedures in the near future. Attached are drafts of proposed fund summaries for your review and approval. We believe these drafts meet the requirements of the Aetna no-action letter, but we need your approval of these "prototypes" before we proceed with the necessary NASD filings, etc. Going forward, the performance numbers in the fund summaries will be updated quarterly. Product performance numbers in the insurance product prospectus will vary by product series.

Please review the attached summaries behind Tab 1. We would appreciate your comments by September 2. Please call me if you have any questions or would care to discuss these new procedures.

In addition, we believe these procedures satisfy VALIC's obligation to distribute propsectus information to participants. Please acknowledge your acceptance of these procedures by signing and returning the enclosed copy of this letter.

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| |
|:---|
| Yours very truly, |
| ![LOGO](g934124dsp474.jpg) |
| Cynthia A. Toles |

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Acknowledged:

The Vanguard Group, Inc.

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| | |
|:---|:---|
| By: | ![LOGO](g934124page061.jpg) |
| Name: | <br> William R. Gustafson |
| Title | Principal |

---

cc: Dennis Simmons, Esq.

Institutional Legal Dept.

X:\BRDMTGIUSLIFE\V ANGUARD.897

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| | | |
|:---|:---|:---|
|  | ![LOGO](g934124g0723194540841.jpg) | **RECEIVED**<br> **AUG 25 *1997***<br> ***LAW DIVISION*** |
|  |  | **RECEIVED**<br> **AUG 25 *1997***<br> ***LAW DIVISION*** |
| August 22, 1997 |  | **RECEIVED**<br> **AUG 25 *1997***<br> ***LAW DIVISION*** |

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Ms. Cynthia A. Toles

Senior Associate General Counsel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and Secretary

The Variable Annuity Life Insurance Company

2929 Allen Parkway

Houston, TX 77019

Dear Cynthia:

Enclosed is our acknowledgment of VALIC's change in posture from the "pizza box" method of prospectus delivery to the utilization of summary fund prospectuses.

As I mentioned on the phone to you, the use of summary fund prospectuses is very consistent with Vanguard's current methodology with our own 401(k) activities. We provide "fact sheets" at enrollment and then forward prospectuses to those who have actually invested in a given fund.

This is certainly good news to Vanguard and I would think, also, to VALIC and your participants.

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| |
|:---|
| Sincerely, |
| ![LOGO](g934124page063.jpg) |
| William R. Gustafson |
| Principal |
| Enclosure |

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Post Office Box 2900 • Valley Forge, Pennsylvania 19482-2900 • (800) 523-1036

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**AMENDMENT NO. 1 TOP ARTICIPATION AGREEMENT** 

**THIS AMENDMENT NO. 1 TO PARTICIPATION AGREEMENT** (the "Amendment") is effective as of July 17, 1998, by and among THE VARIABLE ANNUITY LIFE INSURANCE COMPANY (The "Company") and THE VANGUARD GROUP, INC. (the "Adviser").

**RECITALS** 

WHEREAS, the Company, the Adviser and certain Funds are parties to that Participation Agreement dated May 18, 1996 (the "Agreement") in connection with the participation by the Funds in Contracts offered by the Company; and

WHEREAS, the Company and the Adviser desire to limit the parties to the Agreement and desire to list new Funds under the Agreement;

NOW, THEREFORE, in consideration of the mutual promises set forth herein, the Company and the Adviser agree as follows:

The parties to the Agreement hereafter shall be the Company and the Adviser, and shall not require that each Fund under the Agreement be a party to the Agreement.

The Adviser shall uphold the representations made by the Funds in the Agreement.

Schedules A and B shall be combined into said Schedule A, and Schedule A to this Amendment shall replace the Schedule A and Schedule B to the Agreement;

Schedule A will list the Vanguard Funds and Portfolios to be µsed as funding vehicles by the Company under the Agreement.

IN WITNESS WHEREOF, the undersigned have executed this Amendment No. 1 effective the day and year first above written.

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| | | | |
|:---|:---|:---|:---|
| **THE VARIBLE ANNUITY**<br> LIFE INSURANCE COMPANY | **THE VARIBLE ANNUITY**<br> LIFE INSURANCE COMPANY | THE VANGUARD GROUP, INC. | THE VANGUARD GROUP, INC. |
| BY: | ![LOGO](g934124page065a.jpg) | By: | ![LOGO](g934124page065b.jpg) |
|  | <br>Cynthia A. Toles |  | <br>Dennis Simmons |
|  | Senior Vice President, |  | Principal - Legal |
|  | General Counsel and Secreatary |  |  |

---

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**SCHEDULE A** 

**Vanguard / Wellington Fund** 

**Vanguard / Windsor II** 

**Vanguard Fixed Income Securities Fund, Inc.** 

Long-Term Corporate Portfolio

Long-Term U.S. Treasury Portfolio

**Vanguard STAR Fund** 

Vanguard LifeStrategy Growth Portfolio

Vanguard LifeStrategy Moderate Growth Portfolio

Vanguard LifeStrategy Conservative Growth Portfolio

• Each Vanguard Fund is organized as a Delaware Business Trust

• Notices may be sent to the Funds at:

The Vanguard Group, Inc., Post Office Box 2600, Valley Forge, PA 19482,

(for overnight delivery)

The Vanguard Group, Inc., 100 Vanguard Boulevard, Malvern, PA 19355

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**AMENDMENT TO PARTICIPATION AGREEMENT** 

Regarding

**FUND SHAREHOLDER REPORTS** 

This Amendment (the "Amendment") is entered into as of December 5, 2022, by and between **The Variable Annuity Life Insurance Company** (the "Company"), a Texas life insurance company, on its own behalf and on behalf of each separate account of the Company as set forth in the Participation Agreement, as may be amended from time to time (individually and collectively the "Accounts"), and **The Vanguard Group, Inc**. ("Vanguard"), a Pennsylvania corporation.

**RECITALS** 

WHEREAS, the Company and Vanguard (collectively, the "Parties") have entered into a certain Participation Agreement dated May 8, 1996, as amended (the "Participation Agreement"); and

WHEREAS, pursuant to the Participation Agreement between the Parties, the Company invests in shares of certain of the portfolios of funds under the Participation Agreement as a funding vehicle for the Accounts that issue variable annuity and/or life insurance contracts (the "Variable Contracts") to persons that are registered owners of such Variable Contracts on the books and records of the Company (the "Contract Owners"); and

WHEREAS, the Fund maintains on its books and records one or more account(s) that hold and record shares of the Portfolios owned by the Company on behalf of the Accounts; and

WHEREAS, the Accounts are registered as unit investment trusts under the Investment Company Act of 1940, as amended (the "1940 Act"); and

WHEREAS, the Accounts and/or the Company have certain obligations pursuant to Rule 30e-2 under the 1940 Act to deliver Fund shareholder reports to Contract Owners, which obligations may be satisfied by compliance with Rule 30e-3 under the 1940 Act ("Rule 30e-3" or "the Rule"); and

WHEREAS, the Parties desire to supplement and amend the Participation Agreement to reflect that the Company intends to implement the requirements, terms and conditions of Rule 30e-3 so as to satisfy the Accounts' and the Company's obligations under Rule 30e-2 and enable them to rely on Rule 30e-3;

NOW, THEREFORE, in consideration of the mutual covenants herein contained, which consideration is full and complete, the Company and Vanguard hereby agree to supplement and amend the Participation Agreement as follows:

**1. Posting and Availability of Fund Shareholder Reports and Other Required Materials; Website Availability**.

**(a).** Vanguard shall, or shall ensure that the Fund (as defined in the Participation Agreement) shall, provide or make available to the Company the following Fund materials :

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) *the most recent annual- and semi-annual reports to shareholders of the Portfolios (as defined in the Participation Agreement);*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) *complete Portfolio holdings from reports containing a summary schedule of investments*; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) *Portfolio holdings for most recent first and third fiscal quarters*;

(items (i) through (iii) collectively, the "Required Materials");

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**(b).** Vanguard shall, at its sole expense, ensure that the Required Materials are made available via a website posting which Vanguard has determined in its sole discretion is in accordance with Rule 30e-3 (the "Specified Website"); for the avoidance of doubt, the Specified Website is intended to satisfy the compliance obligations of Vanguard and its Funds, *not* the compliance obligations of the Company and its Separate Accounts;

**2. Content of Required Materials.** Vanguard shall be responsible for the content of the Required Materials as posted to the Specified Website, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, Vanguard shall be responsible for ensuring that the Required Materials as posted to the Specified Website:

**(a).** Meet the applicable standards of the Securities Act of 1933, as amended; the Securities Exchange Act of 1934, as amended; the 1940 Act; and all rules and regulations under those Acts; and

**(b).** Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading.

**3. Company Website.** 

**(a).** The Company will, at its sole expense, make the Required Materials available to Contract Owners via website posting in accordance with Rule 30e-3 for each Portfolio that serves as an underlying investment option for a subaccount of an Account for the Company's Variable Contracts.

**4. Paper Notice to Contract Owners.** The Company shall be responsible for providing the paper notice to its Contract Owners, in accordance with paragraphs (c) and (d) of Rule 30e-3.

**5. Delivery of Paper Copy Upon** *"****Ad Hoc****"* **Request.** The Company shall be responsible for fulfilling *ad hoc* requests from Contract Owners for a paper copy of any of the Required Materials, in accordance with paragraph (e) of Rule 30e-3.

**6. Investor Elections to Receive Future Fund Reports in Paper.** The Company shall be responsible for fulfilling Contract Owner elections to receive future Fund shareholder reports in paper, in accordance with paragraph (f) of Rule 30e-3.

**7. Construction of this Amendment; Participation Agreement**.

**(a).** This Amendment shall be interpreted to be consistent with, and to facilitate compliance with and reliance on, Rule 30e-3 under the 1940 Act and any interpretations of the Rule by the Securities and Exchange Commission, its staff, courts, or other appropriate legal authorities.

**(b).** To the extent the terms of this Amendment conflict with the terms of the Participation Agreement, the terms of this Amendment shall control; otherwise, and except as otherwise specifically set forth in this Amendment, the terms of the Participation Agreement shall continue to apply, and shall apply to the duties, responsibilities, rights and obligations of the Parties under and pursuant to this Amendment.

**8. Counterparts and Delivery.** This Amendment may be executed in two or more counterparts, each of which shall be an original and all of which together shall constitute one instrument. A signed copy of this

## Ex-99.(H)(12)(I)

FUND PARTICIPATION AGREEMENT

THIS AGREEMENT, made and entered into this 7th day of March, 2025 (the "Agreement") by and among The United States Life Insurance Company in the City of New York, organized under the laws of the State of New York (the "Company"), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the "Account" and collectively as the "Accounts"); Victory Portfolios, on behalf of the Victory Sycamore Established Value Fund Class R6, an open-end management investment company organized under the laws of State of Delaware (the "Fund"); Victory Capital Management Inc., a corporation organized under the laws of the State of New York and investment adviser to the Fund (the "Adviser"); and Victory Capital Services, Inc., a corporation organized under the laws of State of Delaware and principal underwriter/distributor of the Fund (the "Distributor").

WHEREAS, the Fund engages in business as an open-end management investment company; and

WHEREAS, beneficial interests in the Fund are divided into several series of shares, each representing the interest in a particular managed portfolio of securities and other assets (the "Portfolios") and such shares are issued to the general public and to separate accounts of insurance companies to fund variable insurance products and certain qualified pension and retirement plans; and

WHEREAS, the Company, as depositor, has established the Accounts to serve as investment vehicles for certain group variable annuity contracts offered by the Company set forth on Schedule A (the "Contracts"); and

WHEREAS, the Accounts are duly organized, validly existing segregated asset accounts, established by resolutions of the Board of Directors of the Company under the insurance laws of the State of New York, to set aside and invest assets attributable to the Contracts; and

WHEREAS, the Company intends to purchase shares of the Portfolios named in Schedule B, as such schedule may be amended from time to time (the "Designated Portfolios") on behalf of the Accounts to fund the Contracts;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund, the Adviser and the Distributor agree as follows:

ARTICLE I: SALE OF FUND SHARES

1.1 The Fund, through the Distributor, agrees to sell to the Company those shares of the Designated Portfolios which each Account orders (based on orders placed by Contract owners on that Business Day, as defined below), executing such orders on a daily basis at the net asset value (and with no sales charges) next computed after receipt by the Fund or its designee of the order for the shares of the Fund. For purposes of this Section 1.1, the Company will be the designee of the Fund for receipt of such orders from each Account and receipt by such designee will constitute receipt by the Fund; provided that the Fund receives notice of such order by [11:00] a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Fund calculates its net asset value pursuant to the rules of The United States Securities and Exchange Commission (the "Commission" or "SEC").

1.2 Subject to the terms as set forth in the Fund's registration statement, the Fund agrees to redeem for cash, upon the Company's request, any full or fractional shares of the Fund held by the Company (based on orders placed by Contract owners on that Business Day), executing such requests on a daily basis at the net asset

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value next computed after receipt and acceptance by the Fund or its agent of the request for redemption. For purposes of this Section 1.2, the Company will be the designee of the Fund for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Fund; provided the Fund receives notice of such requests for redemption by 8:30 a.m. Eastern Time on the next following Business Day or such later time as permitted by Section 1.10 hereof. After consulting with the Company, the Fund reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Fund in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.3(a) **<u>Fund/SERV Transactions</u>.** If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") or any other NSCC service, the following provisions shall apply:

The Company and the Fund or their respective designees will each be bound by the rules of the National Securities Clearing Corporation ("NSCC") and the terms of any NSCC agreement filed by it or their respective designees with the NSCC. Without limiting the generality of the following provisions of this section, the Company and the Fund or its designee will each perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV, the Mutual Fund Profile Service, the Networking Matrix Level utilized and any other relevant NSCC service or system (collectively, the "NSCC Systems").

Any information transmitted through the NSCC Systems by any party or its designee to the other or its designee and pursuant to this Agreement will be accurate, complete, and in the format prescribed by the NSCC. Each party or its designee will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through the NSCC Systems and to limit the access to, and the inputting of data into, the NSCC Systems to persons specifically authorized by such party.

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on each Business Day. The Company shall communicate to the Fund or its designee for that Business Day, by the NSCC, the net aggregate purchase or redemption orders (if any) for each Account received by the Closing Time on such Business Day in accordance with Section 1.1 (for net purchases) or Section 1.2 (for net redemptions), as applicable. All orders received by the Company after the Closing Time on a Business Day shall not be transmitted to the NSCC prior to the following Business Day. The Company will wire payment for net purchase orders in immediately available funds, to an NSCC settling bank account designated by the Fund, in accordance with NSCC rules and procedures on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC. The Fund will wire payment for net redemption orders in immediately available funds, to an NSCC settling bank account designated by the Company, in accordance with NSCC rules and procedures no later than on the Business Day following the Business Day on which such purchase orders are communicated in proper form to the NSCC.

(b) **<u>Manual Transactions</u>.** If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, the following provisions shall apply:

On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company in good form on such Business Day. The Company will place separate orders to purchase or redeem shares of each Designated Portfolio. Each order shall describe the net amount of shares and dollar amount of each Designated Portfolio to be purchased or redeemed. In the event of net purchases, the Company shall pay for net purchase

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orders by wiring federal funds to Fund or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to purchase Designated Portfolio shares is made in accordance with the provisions of Section 1.1 hereof (or such later time as permitted by Section 1.10 hereof). Upon receipt by the Fund of the payment, such funds shall cease to be the responsibility of the Company and shall become the responsibility of the Fund. In the event of net redemptions, the Fund shall pay the net redemption proceeds by wiring federal funds to the Company or its designated custodial account (by 2:00 pm EST) on the next Business Day after an order to redeem a Designated Portfolio's shares is made in accordance with the provision of Section 1.2 hereof. Upon receipt by the Company of the payment, such funds shall cease to be the responsibility of the Fund and shall become the responsibility of the Company.

1.4 The Fund agrees to make shares of the Designated Portfolios available continuously for purchase at the applicable net asset value per share by the Company on behalf of the Accounts on those days on which the Fund calculates its Designated Portfolio net asset value pursuant to rules of the Commission and the Fund shall calculate such net asset value on each day which the NYSE is open for regular trading; provided, however, that the Board of Directors of the Fund (the "Fund Board") may refuse to sell shares of any Portfolio to any person, or suspend or terminate the offering of shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of the Fund Board, acting in good faith and in light of its fiduciary duties under federal and any applicable state laws, necessary in the best interests of the shareholders of such Portfolio.

1.7 The Company agrees to purchase and redeem the shares of the Designated Portfolios offered by the then current prospectus of the Fund in accordance with the provisions of such prospectus to the extent not inconsistent with the terms and conditions of this Agreement.

1.8 Issuance and transfer of the Fund's shares will be by book entry only. Stock certificates will not be issued to the Company or to any Account. Purchase and redemption orders for Fund shares will be recorded in an appropriate title for each Account or the appropriate sub-account of each Account.

1.9 The Fund will furnish same day notice to the Company of the declaration of any income, dividends or capital gain distributions payable on each Designated Portfolio's shares. The Company hereby elects to receive all such dividends and distributions as are payable on the Portfolio shares in the form of additional shares of that Portfolio at the ex-dividend date net asset values. The Company reserves the right to revoke this election and to receive all such dividends and distributions in cash. The Fund will notify the Company of the number of shares so issued as payment of such income, dividends and distributions.

1.10 The Fund will make the net asset value per share for each Designated Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:00 p.m., Eastern Time, each Business Day. In the event that the Fund is unable to meet the 6:00 p.m. time stated herein, it shall provide additional time for the Company to place orders for the purchase and redemption of Fund shares and wire net payments for the purchase of Fund shares. Such additional time shall be equal to the additional time which the Fund takes to make the net asset value available to the Company. If the Fund provides the Company materially incorrect net asset value per share information (as determined under SEC guidelines), the Fund shall make an adjustment to the number of shares purchased or redeemed for the Accounts to reflect the correct net asset value per share, and the Adviser shall bear the cost of correcting such errors and shall reimburse the Company for any expenses incurred related to correction of the net asset value (including correcting Contract owner accounts). Any material error in the calculation or reporting of net asset value per share, dividend or capital gain information shall be reported to the Company upon discovery by the Fund.

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ARTICLE II: REPRESENTATIONS AND WARRANTIES

2.1 The Company represents and warrants that interests under the Contracts are or will be registered under the Securities Act of 1933 (the "1933 Act"), or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as any Contracts are outstanding, as applicable. The Company will amend the registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

2.2 The Company is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Company further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity

2.2 The Fund and Adviser each represents and warrants that shares of the Designated Portfolio(s) sold pursuant to this Agreement will be registered under the 1933 Act and duly authorized for issuance in accordance with applicable law and that the Fund is and will remain registered as an open-end management investment company under the 1940 Act for as long as such shares of the Designated Portfolio(s) are sold. The Fund will amend the registration statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Fund will register and qualify the shares of the Designated Portfolio(s) for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Fund.

2.3 The Fund currently intends that none of the classes of shares of the Designated Portfolios (each, a "Class") shall make payments to finance its distribution expenses, including service fees, pursuant to a plan ("Plan") adopted pursuant to Rule 12b-1 under the 1940 Act, although it may determine to commence such practice in the future. To the extent that any Class of the Fund finances its distribution expenses pursuant to a Plan adopted under Rule 12b-1, the Fund undertakes to comply, in all material respects, with any then current SEC interpretations concerning Rule 12b-1 or any successor provisions.

2.4 The Fund and Adviser represent and warrant that the Fund is lawfully organized and validly existing under the laws of the State of Delaware and that the Fund does and will comply in all material respects with applicable provisions of the 1940 Act and any applicable regulations thereunder. The Fund and Adviser represent and warrant that the Fund's operations, and that of each Designated Portfolio, does and will comply with applicable federal and state law.

2.5 The Fund and Adviser represent and warrant that all of the Fund's trustees, directors, officers, employees, investment advisers, and other individuals/entities having access to the funds and/or securities of the Fund are and continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Fund in an amount not less than the minimal coverage as required currently by Rule 17g-(1) of the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond includes coverage for larceny and embezzlement and is issued by a reputable bonding company.

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2.6 The Fund is, and shall carry out its activities under this Agreement, in compliance with all applicable anti-money laundering laws, rules and regulations including, but not limited to, the U.S.A. PATRIOT Act of 2001, P.L. 107-56. The Fund further represents that it has policies and procedures in place reasonably designed to detect money laundering and terrorist financing, including the reporting of suspicious activity.

2.7 The Adviser represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is duly registered as an investment adviser under the Investment Advisers Act of 1940, as amended, and will remain duly registered under all applicable federal and state securities laws; and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of New York and any applicable state and federal securities laws.

2.8 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of the Financial Industry Regulatory Authority ("FINRA") and serves as principal underwriter/distributor of the Fund and that it will perform its obligations for the Fund in accordance in all material respects with the laws of the State of Delaware and any applicable state and federal securities laws.

ARTICLE III: FUND COMPLIANCE

3.1 The Fund and Adviser represent and warrant that each Designated Portfolio is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that they will maintain such qualification (under Subchapter M or any successor or similar provision), and that they will notify the Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

3.2 The Fund and Adviser represent and warrant that the Fund is and shall maintain compliance with Rule 38a-1 under the 1940 Act and Adviser represents and warrants that the Adviser is and shall maintain compliance with Rule 206(4)-7 under the Advisers Act.

ARTICLE IV: PROSPECTUS AND PROXY STATEMENTS/VOTING

4.1 At least annually (or in the case of a prospectus supplement, when that supplement is issued), the Fund will timely provide the Company with as many copies of the current Fund prospectus (describing only the Designated Portfolio(s)) and any supplements thereto as the Company may reasonably request for distribution, at the Fund's expense, to Contract owners at the time of Contract fulfillment and confirmation. To the extent that the Designated Portfolio(s) are one or more of several Portfolios of the Fund, the Fund shall bear the cost of providing the Company only with disclosure related to the Designated Portfolio(s).

4.2 The Fund on behalf of one or more Designated Portfolios will provide the Company upon its request with copies of summary prospectuses and supplements thereto in the same manner and at the same time that the Fund provides the Company with statutory prospectuses. The Fund represents and warrants that the summary prospectuses and any supplements provided thereto will comply with the requirements of Rule 498 applicable to its Designated Portfolios.

4.3 The Company represents and warrants that its use of the summary prospectuses and supplements, its website and the manner and procedures related to its hosting of the summary prospectuses and supplements on its website will at all times comply with the requirements of Rule 498. The Fund, at its sole cost and expense, shall provide the Company with summary prospectuses containing the appropriate hyperlinks required by Rule 498 and such other documentation that may be required by Rule 498.

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4.4 The Fund may require the Company to terminate the use of the summary prospectuses by providing the Company with at least ninety (90) days' prior written notice. The Fund agrees that the Company is not required to distribute the summary prospectuses to its Contract owners and that any use will be in the discretion of the Company. The Company shall provide the Fund with at least thirty (30) days' prior written notice of its intended use of the summary prospectuses and at least sixty (60) days' prior written notice of its intent to terminate use of the summary prospectuses.

4.5 The Fund shall be responsible for preparing, hosting on its website, and providing to the Company upon request, the materials required by Rule 30e-1 ("Rule 30e-1") under the 1940 Act and Item 27A(i) of Form N-1A (collectively, the "Required Materials,") which may include, among other things:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Current Annual and Semi-Annual Reports to Shareholders (*i.e.* Tailored Shareholder Reports);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Current Annual and Semi-Annual Financial Statements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Portfolio Holdings for Most Recent First and Third Fiscal Quarters

4.6 The Fund shall host and maintain the website specified in paragraph (b)(2)(i) of Rule 30e-1, so that the relevant Required Materials are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

4.7 The Fund shall be responsible for the content and substance of the Required Materials as provided to the Company, including, but not limited to, the accuracy and completeness of the Required Materials. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Required Materials as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

4.8 The Fund, or its designee, shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Required Materials, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners pursuant to Rule 30e-1. Such Company requests shall be fulfilled reasonably promptly, but in no event more than seven (7) business days after the request from the Company is received by the Fund.

4.9 Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such electronic or other documentation (including "camera ready" copies of the current Required Materials as set in type), and such other assistance as is reasonably necessary to have the then current Required Materials printed for distribution (pursuant to requests from Contract owners; see paragraph (b)(3) of Rule 30e-1, as applicable); the reasonable costs of providing the electronic documentation and of such printing to be borne by the Fund.

4.10 The Fund shall be responsible for preparing and providing the following "Fund Documents," as specified in paragraph (j)(1)(iii) of Rule 498A:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summary Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Statutory Prospectus for the Designated Portfolios;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Statement of Additional Information ("SAI") for the Designated Portfolios; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the 1940 Act) for the Designated Portfolios.

4.11 The Fund shall provide the Fund Documents specified in Sections [4.10(a), (b), and (c)] above to the Company (or its designee) on a timely basis (to facilitate the required website posting) and provide updated versions as necessary, to facilitate a continuous offering of the Fund's securities and the Contracts. The Fund shall provide the Shareholder Reports specified in Section [4.10(d)] above within 60 days after the close of each of the Fund's reporting periods (in accordance with Rule 30e-1 under the 1940 Act).

4.12 The Fund shall provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) are both human-readable and capable of being printed on paper in human-readable format (in accordance with
paragraph (h)(2)(i) of Rule 498A);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section
heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include  ***linking*** , in accordance with paragraph (h)(2)(ii) of Rule 498A); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of
such materials that meet the requirements of subsections 4.14(a) and 4.14(b) above (in accordance with paragraph (h)(3) of Rule 498A).

4.13 The Company shall host and maintain the website specified in paragraph (j)(i)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph, provided that the Fund fulfill their obligations under this Amendment.

4.14 The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A. The Fund shall ensure that a summary prospectus is used for the Designated Portfolios, in accordance with paragraph (j)(1)(ii) of Rule 498A.

4.15 The Fund shall be responsible for the content and substance of the Fund Documents as provided to the Company, including, but not limited to, the accuracy and completeness of the Fund Documents. Without limiting the generality of the foregoing in any manner, the Fund shall be responsible for ensuring that the Fund Documents as provided to the Company:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Meet the applicable standards of the 1933 Act, the 1934 Act, the 1940 Act, and all rules and regulations under
those Acts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Do not contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they are made, not misleading.

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4.16 The Fund shall, at its expense, as the Company may reasonably request from time to time, provide the Company with sufficient paper copies of the then current Fund Documents, so that the Company may maintain a supply of such current paper documents sufficient in its reasonable judgment to meet anticipated requests from Contract owners (see paragraphs (i)(1) and (j)(3) of Rule 498A). Such Company requests shall be fulfilled reasonably promptly, but in no event more than three (3) business days after the request from the Company is received by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Alternatively, if requested by the Company in lieu thereof, the Fund or its designee shall provide such
electronic or other documentation (including "camera ready" copies of the current Fund Documents as set in type), and such other assistance as is reasonably necessary to have the then current Fund Documents printed for distribution; the
reasonable costs of providing the electronic documentation and of such printing and mailing to be borne by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Fund shall reimburse the Company for the reasonable costs of printing and mailing the Fund Documents to
Contract owners.

4.17 The Fund shall provide such data regarding each Designated Portfolio's expense ratios and investment performance as the Company shall reasonably request, to facilitate the registration and sale of the Contracts. Without limiting the generality of the foregoing, the Fund shall provide the following Fund expense and performance data on a timely basis to facilitate the Company's preparation of its annually updated registration statements for the Contracts (and as otherwise reasonably requested by the Company), but in no event later than eighty (80) calendar days after the close of each Designated Portfolio's fiscal year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the *gross* "Annual Fund Company Expenses" for each Designated Portfolio calculated in
accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the *net* "Annual Fund Company Expenses" (aka "Total Annual Fund Operating Expenses")
for each Designated Portfolio calculated in accordance with Item 3 of Form N-1A, that <u>include</u> any expense reimbursements or fee waiver arrangements, and the period for which the expense reimbursements
or fee waiver arrangement is expected to continue and whether it can be terminated by the Fund; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the "Average Annual Total Returns" for each Designated Portfolio (before taxes) as calculated
pursuant to Item 4(b)(2)(iii) of Form N-1A (for the 1, 5, and 10 year periods).

4.18 The Fund, at its expense, will provide the Company or its mailing agent with copies of its proxy material, if any, reports to shareholders/Contract owners and other permissible communications to shareholders/Contract owners in such quantity as the Company will reasonably require. The Company will distribute this proxy material, reports and other communications to existing Contract owners and will bill the Fund for the reasonable cost of such distribution.

4.19 If and to the extent required by law, the Company will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) solicit voting instructions from Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) vote the shares of the Designated Portfolios held in the Account in accordance with instructions received from Contract owners; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) vote shares of the Designated Portfolios held in the Account for which no timely instructions

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have been received, in the same proportion as shares of such Designated Portfolio for which instructions have been received from the Company's Contract owners,

so long as and to the extent that the Commission continues to interpret the 1940 Act to require pass-through voting privileges for variable contract owners. The Company reserves the right to vote Fund shares held in any segregated asset account in its own right, to the extent permitted by law. The Company will be responsible for assuring that the Accounts participating in the Fund calculates voting privileges in a manner consistent with all legal requirements.

4.20 The Fund will comply with all provisions of the 1940 Act requiring voting by shareholders, and in particular, the Fund either will provide for annual meetings (except insofar as the Commission may interpret Section 16 of the 1940 Act not to require such meetings) or, as the Fund currently intends, to comply with Section 16(c) of the 1940 Act (although the Fund is not one of the trusts described in Section 16(c) of the 1940 Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Fund will act in accordance with the Commission's interpretation of the requirements of Section 16(a) with respect to periodic elections of directors and with whatever rules the Commission may promulgate with respect thereto.

ARTICLE V: SALES MATERIAL AND INFORMATION

5.1 The Company will furnish, or will cause to be furnished, to the Fund or the Adviser, each piece of sales literature or other promotional material in which the Fund or the Adviser is named, at least ten (10) Business Days prior to its use. No such material will be used if the Fund or the Adviser reasonably objects to such use within five (5) Business Days after receipt of such material.

5.2 The Company will not give any information or make any representations or statements on behalf of the Fund or concerning the Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement, prospectus or SAI for Fund shares, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in reports or proxy statements for the Fund, or in published reports for the Fund which are in the public domain or approved by the Fund or the Adviser or their designees for distribution, or in sales literature or other material provided by the Fund or by the Adviser, except with permission of the Fund or the Adviser or their designees. The Fund and the Adviser agree to respond to any request for approval on a prompt and timely basis.

5.3 The Fund or the Adviser will furnish, or will cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company or its separate account is named, at least ten (10) Business Days prior to its use. No such material will be used if the Company or its designee reasonably objects to such use within five (5) Business Days after receipt of such material.

5.4 The Fund and the Adviser will not give any information or make any representations or statements on behalf of the Company or concerning the Company, each Account, or the Contracts other than the information or representations contained in a registration statement, prospectus or SAI for the Contracts, as such registration statement, prospectus and SAI may be amended or supplemented from time to time, or in published reports for each Account or the Contracts which are in the public domain or approved by the Company for distribution to Contract owners, or in sales literature or other material provided by the Company, except with written permission of the Company. The Company agrees to respond to any request for approval on a prompt and timely basis.

5.5 Upon request, the Fund will provide to the Company at least one complete copy of any registration statements, prospectuses, SAIs, reports, proxy statements, sales literature and other promotional materials,

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applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Fund or its shares, within a reasonable time after filing of each such document with the Commission or FINRA.

5.6 The Company will provide to the Fund at least one complete copy of all definitive prospectuses, definitive SAI, reports, solicitations for voting instructions, sales literature and other promotional materials, applications for exemptions, requests for no action letters, and all amendments to any of the above, that relate to the Contracts or each Account, within a reasonable time after filing of each such document with the Commission or FINRA (except that with respect to post-effective amendments to such prospectuses and SAIs and sales literature and promotional material, only those prospectuses and SAIs and sales literature and promotional material that relate to or refer to the Fund will be provided.) In addition, the Company will provide to the Fund at least one complete copy of (i) a registration statement that relates to the Contracts or each Account, containing representative and relevant disclosure concerning the Fund; and (ii) any post- effective amendments to any registration statements relating to the Contracts or such Account that refer to or relate to the Fund.

5.7 The Fund and Adviser will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Designated Portfolio, and of any material change in the Fund's registration statement, particularly any change resulting in a change to the registration statement or prospectus or statement of additional information for any Account. The Fund and Adviser will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners or to make changes to its prospectus, statement of additional information or registration statement, in an orderly manner. The Fund and Adviser will make reasonable efforts to attempt to have changes affecting Contract prospectuses become effective simultaneously with the annual updates for such prospectuses.

5.8 For purposes of this Article V, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media, (i.e., on-line networks such as the Internet or other electronic messages)), sales literature (i.e., any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, SAIs, shareholder reports, and proxy materials and any other material constituting sales literature or advertising under FINRA rules, the 1933 Act or the 1940 Act.

5.9 The Fund, the Adviser and the Distributor hereby consent to the Company's use of the names of the Fund, Adviser and Distributor, as well as the names of the Designated Portfolios set forth in Schedule B of this Agreement, in connection with marketing the Contracts, subject to the terms of Sections 5.1 of this Agreement. The Company acknowledges and agrees that Adviser and Distributor and/or their affiliates own all right, title and interest in and to the names Victory Capital Management Inc. and Victory Capital Services, Inc., and covenants not, at any time, to challenge the rights of Adviser and Distributor and/or their affiliates to such name or design, or the validity or distinctiveness thereof. The Fund, the Adviser and the Distributor hereby consent to the use of any trademark, trade name, service mark or logo used by the Fund, the Adviser and the Distributor, subject to the Fund's, the Adviser's and/or the Distributor's approval of such use and in accordance with reasonable requirements of the Fund, the Adviser or the Distributor. Such consent will terminate with the termination of this Agreement. Adviser or Distributor may withdraw this consent as to any particular use of any such name or identifying marks at any time upon Adviser's or Distributor's reasonable determination that such use would have a material adverse effect on the reputation or marketing efforts of Adviser, Distributor or such Funds; provided however, that Adviser or Distributor may, in either's individual discretion, continue to use materials prepared or printed prior to the withdrawal

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of such authorization. The Company agrees and acknowledges that all use of any designation comprised in whole or in part of the name, trademark, trade name, service mark and logo under this Agreement shall inure to the benefit of the Fund, Adviser and/or the Distributor.

5.10 The Fund, the Adviser, the Distributor and the Company agree to adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Fund, the Adviser or the Distributor, respectively, and their respective affiliated companies, that is intended for use only by brokers or agents selling the Contracts is properly marked as "Not For Use With The Public" and that such information is only so used.

ARTICLES VI: FEES, COSTS AND EXPENSES

6.1 The Fund will pay no fee or other compensation to the Company under this Agreement, except as provided below: (a) reserved; (b) the Fund may pay fees to the Company for administrative services provided to Contract owners that are not primarily intended to result in the sale of shares of the Designated Portfolio or of underlying Contracts as separately agreed to in writing.

6.2 All expenses incident to performance by the Fund of this Agreement will be paid by the Fund to the extent permitted by law. All shares of the Designated Portfolios will be duly authorized for issuance and registered in accordance with applicable federal law and, to the extent deemed advisable by the Fund, in accordance with applicable state law, prior to sale. The Fund will bear the expenses for the cost of registration and qualification of the Fund's shares, including without limitation, the preparation of and filing with the SEC of Forms N-CSR, N-CEN, and Rule 24f-2 Notices and payment of all applicable registration or filing fees with respect to shares of the Fund; preparation and filing of the Fund's prospectus, SAI and registration statement, proxy materials and reports to shareholders; typesetting and printing the Fund's prospectus and SAI (to the extent provided by and as determined in accordance with Article IV above); typesetting and printing proxy materials and reports to Contract owners (including the costs of printing a Fund prospectus that constitutes an annual report) (to the extent provided by and as determined in accordance with Article IV above); the preparation of all statements and notices required by any federal or state law; all taxes on the issuance or transfer of the Fund's shares; any expenses permitted to be paid or assumed by the Fund pursuant to a plan, if any, under Rule 12b-1 under the 1940 Act; and other costs associated with preparation of prospectuses and SAIs for the Designated Portfolios in electronic or typeset format, as well as any distribution and other expenses as set forth in Article III of this Agreement.

ARTICLE VII: RULE 22c-2 AGREEMENT

7.1 Definitions. As used in this section of the Agreement relating to Rule 22c-2 under the 1940 Act (the "Rule"), the following terms shall have the following meanings, unless a different meaning is clearly required by the contexts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The term "Fund" does not include any "excepted funds" as defined in the Rule, which
includes any: (i) money market fund; (ii) fund that issues securities that are listed on a national exchange; or (iii) fund that affirmatively permits short-term trading of its securities, if its prospectus clearly and prominently
discloses that the fund permits short-term trading of its securities and that such trading may result in additional costs for the fund. The term "Fund" shall also include the Fund's designee (i.e., principal underwriter or transfer
agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The term "Fund Policies" means policies established by the Fund for the purpose of eliminating or
reducing any dilution of the value of the outstanding shares issued by the Designated Portfolio resulting from short-term trading, as described in the applicable Designated Portfolio's current prospectus.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The term "Shares" means the interests of Shareholders corresponding to the redeemable securities of
record issued by a Designated Portfolio under the 1940 Act that are held through Accounts established by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The term "Shareholders" shall mean those contract or policy owners of the Company that hold an
interest in a Designated Portfolio, directly or indirectly through Contracts issued by the Company on behalf of the Accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The term "Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed
by a Shareholder that results in a transfer of assets within a Contract to a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program or
enrollment such as transfer of assets within a Contract to a Designated Portfolio as a result of "dollar cost averaging" programs, asset allocation programs or any other automatic rebalancing programs; (ii) required transactions
pursuant to a Contract living or death benefit; (iii) one-time step-up in Contract value pursuant to a Contract death or living benefit; (iv) transactions that
are executed as a result of allocation of assets to a Designated Portfolio through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to
the Contract; or (v) pre-arranged transfers at the conclusion of a required free look period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or
directed by a Shareholder that results in a transfer of assets within a Contract out of a Designated Portfolio, but does not include the following: (i) transactions that are executed automatically pursuant to a contractual or systematic program
or enrollments such as transfers of assets within a Contract out of a Designated Portfolio as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) transactions
that are executed as a result of any deduction of charges or fees under a Contract; (iii) transactions within a Contract out of a Designated Portfolio as a result of scheduled withdrawals or surrenders from a Contract; (iv) transactions
that are executed as a result of payment of a death benefit from a Contract; or (v) transactions that are executed as a result of minimum distributions required by applicable federal tax law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The term "written" includes electronic and facsimile writings and transmissions and such other means
as the Parties may agree from time-to-time.

7.2. Agreement to Provide Information. Company agrees to provide the Fund the taxpayer identification number ("TIN"), the Individual/International Taxpayer Identification Number ("ITIN") or other government-issued identifier, (or an equivalent identifying number), as well as the Contract owners number or participant account number associated with the Shareholder, if known, of any or all Shareholder(s) of the Account, and the amount, date and transaction type (purchase, redemption, transfer, or exchange) of every purchase, redemption, transfer, or exchange of Shares held through an Account maintained by the Company ("Transaction Information"). It is understood that Company intends to provide the Transaction Information regarding each Designated Portfolio daily, but the Fund may, from time to time, make a written request ("Request") regarding a specific Designated Portfolio or for a specific period in accordance with this Agreement.

Unless otherwise specifically requested by the Fund, Company shall only be required to provide information relating to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions.

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7.3 Period Covered by Request. Any Request must set forth a specific period for which the Transaction Information is being sought (the "Covered Period"), but the Covered Period shall not include any day that is earlier than 180 days prior to the day Company received the Request. The Fund may request Transaction Information older than 180 days from the date of the Request as it deems necessary to investigate compliance with Fund Policies.

7.4 Form and Timing of Response/Indirect Intermediaries. Requests must be in "Good Form." Good Form means the Request (i) is made using the "Request for Information" form attached as Exhibit A, (ii) includes all the information required by the form, except as noted therein; (iii) is signed by a duly authorized officer of the Fund; and (iv) is received by Company.

Company agrees to transmit the Transaction Information on its books and records to the Fund promptly, but in any event not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of a Request. The format for the Transaction Information provided to the Fund (either daily or as part of a Request) shall be via file transfer protocol (FTP) formal or other agreed upon method.

If requested by the Fund in writing, Company agrees to use best efforts to determine whether any specific Shareholder about whom it has Transaction Information is itself a financial intermediary ("Indirect Intermediary") and, upon further request by the Fund, to promptly either (i) provide (or arrange to have provided) the Transaction Information for those Shareholders who hold an account with an Indirect Intermediary, or (ii) restrict or prohibit the Indirect Intermediary from purchasing, in nominee name on behalf of others, Shares of the Designated Portfolio. Company additionally agrees to inform the Fund whether it plans to perform (i) or (ii).

7.5 Limitations on Use of Information. The Fund agrees not to use the information received pursuant to this Agreement for any purpose other than as necessary to comply with the provisions of the Rule without prior written consent of Company, or for any purpose not permitted under the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

7.6 Agreement to Restrict Trading. Company agrees to execute written instructions from the Fund to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund as having engaged in transactions of the Fund's Shares (directly or indirectly through the Company's Account) that violate Fund Policies.

Any such restrictions or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases or Shareholder-Initiated Transfer Redemptions as set forth in Section 2. Company will execute such instructions with respect to the Shareholder, but only for the Contract through which such transactions in the Designated Portfolio's Shares occurred in violation of the Fund's Policies.

7.7 Form of Instructions. Instructions to restrict trading must be in "Good Form." Good Form means that the instructions (i) are made using the "Instructions to Restrict Trading" form attached at Exhibit B; (ii) include all the information required by the form; (iii) are signed by a duly authorized officer of the Fund; and (iv) are received by Company. Upon request of the Company, the Fund agrees to provide to the Company, along with the Instructions to Restrict Trading form, information regarding those trades of the Contract holder that violated the Fund's Policies.

7.8 Timing of Response. Company agrees to execute instructions as soon as reasonably practicable, but not later than five (5) business days, or as otherwise agreed to by the Parties, after receipt of the instructions by the Company.

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7.9 Confirmation by Company. Company will provide written confirmation regarding any instructions executed on behalf of the Fund pursuant to this Agreement. The confirmation will be provided via FTP format as soon as reasonably practicable, but not later than ten (10) business days, or as otherwise agreed to by the Parties, after the instructions have been executed.

ARTICLE VIII: INDEMNIFICATION

8.1 INDEMNIFICATION BY THE COMPANY

(a) The Company agrees to indemnify and hold harmless the Fund, the Adviser, the Distributor, and each person, if any, who controls the Fund, the Adviser, or the Distributor within the meaning of such terms under the federal securities laws and any director, trustee, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.1) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or actions in respect thereof (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute or regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statements of any material fact contained in the registration statement, prospectus or SAI for the Contracts or contained in the Contracts or sales literature or other promotional material for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Fund, the Adviser, of the Distributor for use in the registration statement, prospectus or SAI for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations by or on behalf of the Company (other than statements or representations contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund, or any amendment or supplement to the foregoing, not supplied by the Company or its designee) or wrongful conduct of the Company or persons under its control, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of untrue statement of a material fact contained in the Fund registration statement, prospectus, SAI or sales literature or other promotional material of the Fund (or amendment or supplement) or the omission to state therein a material fact required to be stated therein or necessary to make such statements not misleading in light of the circumstances in which they were made, if such a statement or omission was made in reliance upon and in conformity with information furnished to the Fund by or on behalf of the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Company to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach by the Company of this Agreement;

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except to the extent provided in Sections 8.1(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Company otherwise may have.

(b) No party will be entitled to indemnification under Section 8.1(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations or duties under this Agreement.

(c) The Indemnified Parties promptly will notify the Company of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Fund shares or the Contracts or the operation of the Fund.

8.2 INDEMNIFICATION BY THE ADVISER & DISTRIBUTOR

(a) The Adviser and Distributor jointly and severally agree to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.2) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser and Distributor) or actions in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale, acquisition, or holding of the Fund shares or the Contracts and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or wrongful conduct of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser, Distributor or

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the Fund or persons under the control of the Adviser, Distributor or the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Adviser, Distributor, or Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Adviser, Distributor or the Fund in this Agreement, or arise out of or result from any other material breach of this Agreement by the Adviser, Distributor or the Fund;

except to the extent provided in Sections 8.2(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Adviser or Distributor otherwise may have.

(b) No party will be entitled to indemnification under Section 8.2(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard or its obligations or duties under this Agreement.

(c) The Indemnified Parties will promptly notify the Adviser and the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.3 INDEMNIFICATION BY THE FUND

(a) The Fund agrees to indemnify and hold harmless the Company and each person, if any, who controls the Company within the meaning of such terms under the federal securities laws and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 8.3) against any and all losses, claims, expenses, damages, liabilities (including amounts paid in settlement with the written consent of the Fund) or action in respect thereof (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements, are related to the sale, acquisition, or holding of the Fund shares or the Contracts, or operations of the Fund and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement of any material fact contained in the registration statement, prospectus or SAI for the Fund or sales literature or other promotional material of the Fund (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission to state therein a material fact required to be stated or necessary to make such statements not misleading in light of the circumstances in which they were made; provided that this agreement to indemnify will not apply as to any Indemnified Party if such statement or omission was made in reliance upon and in conformity with information furnished to the Adviser, Distributor or Fund by or on behalf of the Company for use in the registration statement, prospectus or SAI for the Fund or in sales literature of the Fund (or any amendment or supplement thereto) or otherwise for use in connection with the sale of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) arise out of or as a result of statements or representations (other than statements or representations contained in the Contracts or in the Contract or Fund registration statements, prospectuses or statements of additional information or sales literature or other promotional material for the Contracts or of the Fund, or any amendment or supplement to the foregoing, not supplied by the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund respectively) or wrongful conduct of the Adviser, Distributor or the Fund or persons under the

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control of the Adviser, Distributor or the Fund respectively, with respect to the sale or distribution of the Contracts or Fund shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) arise out of any untrue statement of a material fact contained in a registration statement, prospectus, SAI or sales literature or other promotional material covering the Contracts (or any amendment or supplement thereto), or the omission to state therein a material fact required to be stated or necessary to make such statement or statements not misleading in light of the circumstances in which they were made, if such statement or omission was made in reliance upon and in conformity with information furnished to the Company by or on behalf of the Adviser, Distributor or the Fund or persons under the control of the Adviser, Distributor or the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) arise as a result of any failure by the Fund to provide the services and furnish the materials under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) arise out of or result from any material breach of any representation and/or warranty made by the Fund in this Agreement or arise out of or result from any other material breach of this Agreement by the Fund; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) arise out of or result from the incorrect or untimely calculation or reporting of daily net asset value per share or dividend or capital gain distribution rate;

except to the extent provided in Sections 8.3(b) and 8.4 hereof. This indemnification will be in addition to any liability that the Fund otherwise may have.

(b) No party will be entitled to indemnification under Section 8.3(a) if such loss, claim, damage, liability or action is due to the willful misfeasance, bad faith, or gross negligence in the performance of such party's duties under this Agreement, or by reason of such party's reckless disregard of its obligations and duties under this Agreement.

(b) The Indemnified Parties will promptly notify the Fund of the commencement of any litigation, proceedings, complaints or actions by regulatory authorities against them in connection with the issuance, holding or sale of the Contracts or the operation of the Account.

8.4 INDEMNIFICATION PROCEDURE

Any person obligated to provide indemnification under this Article VIII ("Indemnifying Party") for the purpose of this Section 8.4) will not be liable under the indemnification provisions of this Article VIII with respect to any claim made against a party entitled to indemnification under this Article VIII ("Indemnified Party") for the purpose of this Section 8.4) unless such Indemnified Party will have notified the Indemnifying Party in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim will have been served upon such Indemnified Party (or after such party will have received notice of such service on any designated agent), but failure to notify the Indemnifying Party of any such claim will not relieve the Indemnifying Party from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of the indemnification provision of this Article VIII, except to the extent that the failure to notify results in the failure of actual notice to the Indemnifying Party and such Indemnifying Party is damaged solely as a result of failure to give such notice. In case any such action is brought against the Indemnified Party, the Indemnifying Party will be entitled to participate, at its own expense, in the defense thereof. The Indemnifying Party also will be entitled to assume the defense thereof, with counsel satisfactory to the party named in the action. After notice from the Indemnifying Party to the Indemnified Party of the Indemnifying Party's election to assume the defense thereof, the Indemnified Party will bear the fees and expenses of any

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additional counsel retained by it, and the Indemnifying Party will not be liable to such party under this Agreement for any legal or other expenses subsequently incurred by such party independently in connection with the defense thereof other than reasonable costs of investigation, unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Indemnifying Party and the Indemnified Party will have mutually agreed to the retention of such counsel; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the named parties to any such proceeding (including any impleaded parties) include both the Indemnifying Party and the Indemnified Party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. The Indemnifying Party will not be liable for any settlement of any proceeding effected without its written consent but if settled with such consent or if there is a final judgment for the plaintiff, the Indemnifying Party agrees to indemnify the Indemnified Party from and against any loss or liability by reason of such settlement or judgment. A successor by law of the parties to this Agreement will be entitled to the benefits of the indemnification contained in this Article VIII. The indemnification provisions contained in this Article VIII will survive any termination of this Agreement.

ARTICLE IX: APPLICABLE LAW

9.1 This Agreement will be construed and the provisions hereof interpreted under and in accordance with the laws of the State of New York without reference to its conflicts of law provisions. To the extent that the applicable laws of the State of New York or any of the provisions herein conflict with the applicable provisions of the Act or other federal laws and regulations which may be applicable, the latter shall control. The parties to this Agreement hereby irrevocably agree to submit to the jurisdiction of the courts located in the State of New York for any action or proceeding arising out of this Agreement, and hereby irrevocably agree that all claims in respect of such action or proceeding shall be heard or determined in such courts.

9.2 This Agreement will be subject to the provisions of the 1933 Act, the 1934 Act and the 1940 Act, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the Commission may grant and the terms hereof will be interpreted and construed in accordance therewith.

ARTICLE X: TERMINATION

10.1 This Agreement will terminate:

(a) at the option of any party, with or without cause, with respect to one, some or all of the Designated Portfolios, upon three (3) month's advance written notice to the other parties or, if later, upon receipt of any required exemptive relief or orders from the SEC, unless otherwise agreed in a separate written agreement among the parties; or

(b) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio if shares of the Designated Portfolio are not reasonably available to meet the requirements of the Contracts as determined in good faith by the Company; or

(c) at the option of the Company, upon written notice to the other parties, with respect to any Portfolio in the event any of the Portfolio's shares are not registered, issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such shares as the underlying investment media of the Contracts issued or to be issued by Company; or

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(d) at the option of the Fund, upon written notice to the other parties, upon institution of formal proceedings against the Company by FINRA, the Commission or any other regulatory body regarding the Company's duties under this Agreement or related to the sale of the Contracts, the administration of the Contracts, the operation of the Account, or the purchase of the Fund shares, provided that the Fund determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Company's ability to perform its obligations under this Agreement; or

(e) at the option of the Company, upon written notice to the other parties, upon institution of formal proceedings against the Fund, the Adviser, or the Distributor by FINRA, the Commission or any other regulatory body, provided that the Company determines in its sole judgment, exercised in good faith, that any such proceeding would have a material adverse effect on the Fund's or the Adviser's ability to perform its obligations under this Agreement; or

(f) at the option of the Company, upon written notice to the other parties, with respect to any Designated Portfolio, if a Designated Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code, or under any successor or similar provision, or if the Company reasonably and in good faith believes that the Designated Portfolio may fail to so qualify; or

(h) at the option of any party to this Agreement, upon written notice to the other parties, upon another party's material breach of any provision of this Agreement; or

(i) at the option of the Company, if the Company determines in its sole judgment exercised in good faith that the Fund, the Adviser or Distributor has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund, Adviser or Distributor and hence to the Company; or

(j) at the option of the Fund or the Adviser, if the Fund or Adviser respectively, determines in its sole judgment exercised in good faith that the Company has suffered a material adverse change in its business, operations or financial condition since the date of this Agreement or is the subject of material adverse publicity which is likely to have a material adverse impact upon the business and operations of the Fund or the Adviser, such termination to be effective sixty (60) days' after receipt by the other parties of written notice of the election to terminate.

10.2 NOTICE REQUIREMENT

No termination of this Agreement will be effective unless and until the party terminating this Agreement gives prior written notice to all other parties of its intent to terminate, which notice will set forth the basis for the termination.

10.3 EFFECT OF TERMINATION

Notwithstanding any termination of this Agreement, the Fund, the Adviser and the Distributor will, at the option of the Company, continue to make available additional shares of the Fund pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, the owners of the Existing Contracts will be permitted to reallocate investments in the Designated Portfolios (as in effect on such date), redeem investments in the Designated Portfolios and/or invest in the Designated Portfolios upon the making of additional purchase payments under the Existing Contracts.

10.4 SURVIVING PROVISIONS

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Notwithstanding any termination of this Agreement, each party's obligations under Article VIII to indemnify other parties will survive and not be affected by any termination of this Agreement. In addition, with respect to Existing Contracts, all provisions of this Agreement also will survive and not be affected by any termination of this Agreement.

ARTICLE XI: NOTICES

Any notice will be deemed duly given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other parties.

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Fund:

Victory Portfolios

Attn: Scott Stahorsky

4900 Tiedeman Road, 4<sup>th</sup> Floor

Brooklyn, Ohio 44144

If to the Adviser:

Victory Capital Management Inc.

Attn: General Counsel

15935 La Cantera Parkway

San Antonio, Texas 78256

If to the Distributor:

Victory Capital Services, Inc.

Attn: General Counsel

15935 La Cantera Parkway

San Antonio, Texas 78256

ARTICLE XII: MISCELLANEOUS

12.1 All persons dealing with the Fund must look solely to the property of the Fund for the enforcement of any claims against the Fund as neither the directors, officers, agents or shareholders assume any personal

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liability for obligations entered into on behalf of the Fund.

12.2 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

12.3 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together will constitute one and the same instrument.

12.4 If any provision of this Agreement will be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement will not be affected thereby.

12.5 This Agreement will not be assigned by any party hereto without the prior written consent of all the parties hereto.

12.6 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal law.

12.7 The parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

12.8 Each party to this Agreement will cooperate with each other party and all appropriate governmental authorities (including without limitation the Commission, FINRA and state insurance regulators) and will permit each other and such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

12.9 Each party represents that the execution and delivery of this Agreement and the consummation of the transactions contemplated herein have been duly authorized by all necessary corporate or board action, as applicable, by such party and when so executed and delivered this Agreement will be the valid and binding obligation of such party enforceable in accordance with its terms.

12.10 The schedules to this Agreement (each, a "Schedule," collectively, the "Schedules") form an integral part hereof and are incorporated herein by reference. The parties to this Agreement may agree in writing to amend the Schedules to this Agreement from time to time to reflect changes in or relating to the Contracts, the Accounts or the Designated Portfolios of the Fund or other applicable terms of this Agreement. References herein to any Schedule are to the Schedule then in effect, taking into account any amendments thereto.

12.11 Each Designated Portfolio agrees to consult in advance with the Company concerning any decision to elect or not to pass through the benefit of any foreign tax credits to the Designated Portfolio's shareholders pursuant to Section 853 of the Code.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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VICTORY PORTFOLIOS,

on behalf of Victory Sycamore Established Value Fund Class R6

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| | |
|:---|:---|
| By: | /s/ Scott Stahorsky |
| Name: | Scott Stahorsky |
| Title: | Vice President |

---

---

| | |
|:---|:---|
| VICTORY CAPITAL MANAGEMENT INC. | VICTORY CAPITAL MANAGEMENT INC. |
| By: | /s/ Michael Policarpo |
| Name: | Michael Policarpo |
| Title: | President, CFO & CAO |

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| | |
|:---|:---|
| VICTORY CAPITAL SERVICES, INC. | VICTORY CAPITAL SERVICES, INC. |
| By: | /s/ Christopher Ponte |
| Name: | Christopher Ponte |
| Title: | CFO/FINOP |

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THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK

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| | |
|:---|:---|
| By: | /s/ Barbara Rayll |
| Name: | Barbara Rayll |
| Title: | Vice President, Business Case Development |

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Exhibit A

**Request for Information Form** 

We hereby request that [Life Insurance Company] provide the Transaction Information indicated below.

Please provide the following information about the Transaction Information requested:

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Period\*\*\*: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number. Failure to complete this item shall not prevent this Form from being in Good Form.

\*\*\* the covered period shall not include any day that is earlier than 180 days prior to the day Intermediary received this form in Good Form

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 INFORMATION REQUEST"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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**Exhibit B** 

**Instructions to Restrict Trading Form** 

[Life Insurance Company] is hereby instructed to restrict purchase or exchanges into the Fund indicated below by the Contract indicated below.

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Please provide the following information about the Contract to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Number\* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; And |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tax Identification Number\*\*:<u> </u> |
| Please provide the following information about the Portfolio to be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund Name: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Name:<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Manager:<u> </u> |
| Please provide the following information about the time period for which trading should be restricted: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Start Date\*\*\*: |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; End Date: |

---

---

| |
|:---|
| Requesting Person\*\*\*\*: |
| Signature: |
| Date: |
| Telephone Number: |
| Facsimile Number: |

---

\* or participant account number if applicable

\*\* or Individual/International Taxpayer Identification Number (ITIN), other government-issued identifier or equivalent identifying number

\*\*\* Start date will be no earlier than 48 hours after receipt of form in "Good Form"

\*\*\*\* person must be duly authorized person as previously provided by the Fund

**PLEASE E-MAIL THIS FORM TO <u>SaamcoLegal@corebridgefinancial.com</u>,** 

**ATTENTION "RULE 22C-2 RESTRICTION"** 

**PLEASE COMPLETE EACH ITEM.** 

**INCOMPLETE FORMS WILL NOT BE PROCESSED.** 

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PARTICIPATION AGREEMENT

SCHEDULE A

The following Separate Accounts and Associated Contracts of The United States Life Insurance Company in the City of New York are permitted in accordance with the provisions of this Agreement to invest in Designated Portfolios of the Fund shown in Schedule B:

USL Separate Account RS

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PARTICIPATION AGREEMENT

SCHEDULE B

The Separate Account(s) shown on Schedule A may invest in the following Portfolio(s) of the Fund.

Victory Sycamore Established Value Fund Class R6

## Ex-99.(H)(12)(Ii)

**ADMINISTRATIVE SERVICES AGREEMENT** 

This ADMINISTRATIVE SERVICES AGREEMENT ("Agreement"), dated as of March 7, 2025, is by and between VICTORY CAPITAL MANAGEMENT INC. ("Adviser"), organized under the laws of New York and THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, a New York domiciled life insurance company (the "Company").

**WITNESSETH:** 

WHEREAS, Victory Portfolios (the "Fund") is registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "Act") that offers several series for which Adviser, a registered investment adviser under the Investment Advisers Act of 1940, serves as the investment adviser; and

WHEREAS, the Company issues variable life policies and/or variable annuity contracts (collectively, the "Contracts") and has established certain separate accounts (the "Separate Accounts") for the purpose of funding these Contracts; and

WHEREAS, the Company has entered into a participation agreement, as may be amended from time to time, with the Fund (the "Participation Agreement"), pursuant to which the Fund has agreed to make shares of its series (the "Series") available for purchase by one or more of the Separate Accounts, in connection with the allocation by Contract owners of purchase payments to corresponding investment options offered under the Contracts; and

WHEREAS the Separate Accounts are registered with the SEC as unit investment trusts under the Act and rely on Section 12(d)(1)(E) of the Act to permit investment in the Series of the Fund and to operate as a two-tier investment company; and

WHEREAS, the Adviser desires to retain the Company to provide, or arrange to provide, the administrative and shareholder services specified in Exhibit A, as attached hereto (the "Services"), to the Fund in connection with the Series, [the shares of which are beneficially owned by Contract owners]; and

WHEREAS, the Company desires to provide such Services on the terms and conditions hereinafter set forth, and the Company is willing to furnish such Services for the compensation set forth herein; and

WHEREAS, the Company expects that the Fund and its Series can derive certain benefits from the Company's performance of the Services.

NOW, THEREFORE, in consideration of the premises and mutual covenants hereinafter contained, each party hereto agrees as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Services.</u> The Company agrees to perform, or arrange to perform, some or all of the administrative and shareholder services specified in Exhibit A (the "Services"), as may be amended from time to time. The Adviser agrees to pay to the Company a fee equal to an annual rate of the average daily net assets of the Series that are held by the Separate Accounts as specified

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in Schedule I. Such fee shall be accrued monthly based on average daily net assets and paid on a quarterly basis. The Adviser shall make such payment to the Company, without demand or notice by the Company, within 30 days after the end of each [calendar quarter].

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Nature</u> <u>of</u><u> </u><u>Payments.</u> The Parties agree that the Adviser's payments to the Company are for administrative and/or shareholder services only, do not constitute payment in any manner for investment advisory or distribution services, including in connection with the distribution of the Contracts or of the shares of the Fund, and are not otherwise related to investment advisory or distribution services or expenses. The Adviser shall make the payments to the Company from the Adviser's own resources, including, but not limited to, profits earned under its Investment Advisory Agreement with the Fund. Nothing herein shall preclude the Fund from making payments to the Company and/or its principal underwriter under agreements relating to a plan adopted pursuant to Rule 12b-1 of the Act for the services described therein or pursuant to agreements otherwise approved by the Fund's board of trustees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Expenses.</u> Each party will bear all expenses in connection with the performance of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Company</u><u> </u><u>not</u><u> </u><u>an</u> <u>Agent.</u> It is understood and agreed that in performing the Services under this Agreement the Company, acting in its capacity described herein, shall at no time be acting as an agent for the Adviser or the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Written Reports.</u> The Company will provide the Adviser with such information as the Adviser may reasonably request and will cooperate with and assist the Adviser in the preparation of reports, if any, to be furnished to the Trustees of the Board of the Fund in conjunction with the Contracts or other aspects of the Fund concerning this Agreement, the Services provided and any fees or compensation paid or payable pursuant hereto, in addition to any other response or filings that may be required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Termination.</u> With respect to any Separate Account and the Fund or any Series, this Agreement may be terminated upon mutual agreement of the parties hereto in writing. Either party to this Agreement may terminate the Agreement with 60 days' prior written notice, without the payment of any penalty.

This Agreement will terminate automatically with respect to any Separate Account and Fund or Series covered under a Participation Agreement upon termination of such Participation Agreement; provided, however, that the obligations in this Agreement shall survive with respect to the Fund or Series for as long as assets of such Fund or Series remain invested through a Separate Account (e.g., for Contracts in effect on the effective date of termination of a Participation Agreement) and the Company continues to provide the Services with respect to the Fund or Series. Upon redemption of such assets, and provided that the Fund no longer continues to make Series shares available pursuant to a Participation Agreement, this Agreement and all obligations hereunder shall terminate automatically.

Termination of this Agreement with respect to one Separate Account does not affect the continuation of this Agreement with respect to any other Separate Account.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Amendment.</u> This Agreement may be amended only upon mutual agreement of the parties hereto in writing. To the extent required by applicable law, any such amendments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Indemnification.</u> The Company agrees to indemnify and hold harmless the Adviser, the Fund and their respective officers, directors, trustees, employees and agents (collectively, the "Indemnified Parties") against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company, such consent to not be unreasonably withheld) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the performance or non-performance by the Company under this Agreement.

The Adviser agrees to indemnify and hold harmless the Company, the Separate Accounts and their respective officers, directors, employees and agents (collectively, the "Indemnified Parties) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Adviser, such consent to not be unreasonably withheld) or litigation (including legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to a performance or non-performance by the Adviser under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Miscellaneous</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Successors</u><u> </u><u>and</u><u> </u><u>Assigns;</u><u> </u><u>Assignment</u> This Agreement shall be binding upon the parties and their transferees, successors and assigns. The benefits of and the right to enforce this Agreement shall accrue to the parties and their transferees, successor and assigns. Neither this Agreement nor any of the rights, obligations or liabilities of either party hereto shall be assigned without the written consent of the other party. To the extent required by applicable law, any such assignments shall be subject to appropriate regulatory requirements or approvals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) <u>Applicable</u><u> </u><u>Law.</u> This Agreement shall be governed by the laws of the State of New York, without giving effect to the principles of conflicts of law of such jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) <u>Notices</u>. All notices, requests, demands and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered:

If to the Company:

The United States Life Insurance Company in the City of New York

Attn: General Counsel

2919 Allen Parkway, L4-01

Houston, TX 77019

Email: <u>saamcolegal@corebridgefinancial.com</u>

With a copy to:

Mallary Reznik

------

21650 Oxnard Street, Suite 750

Woodland Hills, California 91367

Attn: Mallary Reznik

Email: <u>mallary.reznik@corebridgefinancial.com</u>

If to the Adviser:

Victory Capital Management Inc.

15935 La Cantera Parkway

San Antonio, Texas 78256

Attn: General Counsel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) <u>Entire</u> <u>Agreement.</u> This Agreement, including Schedule 1 and Exhibit A, constitutes the entire agreement between the parties with respect to the matters dealt with herein and supersedes any previous agreements and documents with respect to such matters. The parties agree that Schedule 1 may be replaced from time to time with a new Schedule l, as appropriate, to accurately reflect any changes in the Fund available as investment vehicles under the Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) <u>Counterparts.</u> This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which shall together constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) <u>Effective</u> <u>Date.</u> This Agreement shall become effective as of the date written above and shall remain in effect unless specifically terminated as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) <u>Severability.</u> If any portion of this Agreement shall be found to be invalid or unenforceable by a court or tribunal or regulatory agency of competent jurisdiction, the remainder shall not be affected thereby, but shall have the same force and effect as if the invalid or unenforceable portion had not been inserted.

------

IN WITNESS HEREOF, the parties hereto have executed and delivered this Agreement as of the date first above written.

---

| | |
|:---|:---|
| **THE UNITED STATES LIFE INSURANCE**<br> **COMPANY IN THE CITY OF NEW YORK** | **THE UNITED STATES LIFE INSURANCE**<br> **COMPANY IN THE CITY OF NEW YORK** |
| By: | /s/ Barbara Rayll |
|  | Name: Barbara Rayll |
|  | Title: Vice President, Business Case Development |

---

---

| | |
|:---|:---|
| **VICTORY CAPITAL MANAGEMENT INC.** | **VICTORY CAPITAL MANAGEMENT INC.** |
| By: | /s/ Michael Policarpo |
|  | Name: Michael Policarpo |
|  | Title: President, CFO & CAO |

---

------

**<u>SCHEDULE I</u>**

SERIES OF FUND

AVAILABLE FOR PURCHASE

BY

THE UNITED STATES LIFE INSURANCE COMPANY

IN THE CITY OF NEW YORK

UNDER THIS AGREEMENT

(As of March 7, 2025 except as otherwise indicated below)

---

| | | |
|:---|:---|:---|
| Separate Account | Series Name | Fee |
| USL Separate | Victory Sycamore Established | 0bp |
| Account RS | Value Fund Class R6 |  |

---

The parties hereto agree that this Schedule I may be revised and replaced as necessary to accurately reflect the Series of the Fund covered under this Agreement. Such agreement shall be reflected in a written acknowledgement executed by all Parties.

------

<u>EXHIBIT A</u> 

Services

<u>Maintenance of books and records</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maintain an inventory of shares purchased to assist the Fund's transfer agent in recording issuance of
shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Perform miscellaneous accounting services to assist transfer agent in recording transfers of shares (via net
purchase and redemption orders).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and balancing of the Company's separate accounts at the Series level in the general ledger
and reconciliation of cash accounts at general account.

<u>Purchase orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount of cash flow into each Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of net purchase orders (wire) and confirmation thereof.

<u>Redemption orders</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determination of net amount required for redemptions by the Series.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reconciliation and notification to the Fund of cash required for net redemption orders and confirmation
thereof.

<u>Reports</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, provide reporting to the Fund and its Board of Trustees, in relation to trading
activity, compliance with the terms of the Participation Agreement between the parties and other regulatory and compliance matters.

<u>Other administration support</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assistance with Fund proxy solicitations, specifically with respect to soliciting voting instructions from
contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sub-accounting services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Providing other administrative support to the Fund as mutually agreed between the Parties from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Upon reasonable request, preparation of reports to third-party reporting services.

Exhibit A-1

------

<u>Shareholder services</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• When required, distribution of shareholder reports, annual prospectuses, and annual statements of additional
information to existing Contract owners (but not to prospective investors);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The preparation, printing and distribution of reports of values to owners of Contracts who have contract
values allocated to the Series;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compensating financial intermediaries and broker-dealers to pay or reimburse them for their services or
expenses solely in connection with their provision of the types of services covered by this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Receiving and answering correspondence from existing Contract owners (including requests for prospectus and
statements of additional information for the Fund);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Answering questions about the Series from existing Contract owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Preparation of subaccount performance figures for subaccounts investing in the Series; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other shareholder services as mutually agreed upon by parties.

Exhibit A-2

## Ex-99.(K)

![LOGO](g934124g0822142324336.jpg) <br>Corebridge Financial<br> 2919 Allen Parkway, L4-01<br> Houston, TX 77019<br>

August 25, 2025

The United States Life Insurance Company in the City of New York

1133 Avenue of the Americas, 33rd Floor

New York, NY 10036

Dear Sir/Madam,

This opinion is furnished in connection with the Registration Statements on Form N-4 (File Nos. 333-283464, 333-283465, 333-283466, 333-283467, 333-283468, and 333-283470; 811-24014) filed with the Securities and Exchange Commission, pursuant the Securities Act of 1933, covering the Group Variable Deferred Annuity Contract with Fixed Funding (the "Contracts") to be issued by The United States Life Insurance Company in the City of New York ("USL"), I have examined such documents and such laws as I considered necessary and appropriate. On the basis of such examination, it is my opinion that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. USL is a duly organized and validly existing stock life insurance company under the laws of the State of New
York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. USL Separate Account RS (the "Separate Account") is a separate account of USL duly established
pursuant to the provisions of the State of New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Assets allocated to the Separate Account are owned by USL, and USL is not a trustee with respect thereto. The
Contracts provide that the portion of the assets of the Separate Account equal to the reserves and other annuity contract liabilities with respect to the Separate Account will not be chargeable with the liabilities arising out of any other business
USL may conduct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. The Contracts have been duly authorized by USL and, when sold in jurisdictions authorizing such sales, in
accordance with and when issued as contemplated by said Form N-4 Registration Statements, will constitute legal, validly issued, and binding obligations of USL.

I hereby consent to the filing of this opinion as an exhibit to said Registration Statements.

Very truly yours,

---

| |
|:---|
| <u>/s/ Trina Sandoval</u> |
| Trina Sandoval |
| Vice President and Deputy General Counsel |
| Corebridge Financial |

---

## Ex-99.(L)

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the use in this Post-Effective Amendment No. 1 to the Registration Statement on Form N-4 (No. 333-283470) (the "Registration Statement") of our report dated April 17, 2025, relating to the statutory basis financial statements of the United States Life Insurance Company in the City of New York. We also consent to the reference to us under the heading "Financial Statements" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

New York, New York

August 27, 2025

## Ex-99.(O)

**The United States Life Insurance Company in the City of New York**

**Portfolio Director**<sup>®</sup> **NY SP**

For Series 11.80

**Summary Prospectus for New Investors** <br>**September 2, 2025**

This summary prospectus summarizes key features of the Portfolio Director<sup>®</sup> NY SP Series, comprising group variable deferred annuity contracts issued by The United States Life Insurance Company in the City of New York.

Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract's features, benefits, and risks. You can find the current prospectus and other information about the Contract online at www.corebridgefinancial.com/rs/suny/prospectus-and-reports. You can also obtain this information at no cost by calling us at 1-800-448-2542, or by writing to our Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105.

\* \* \* \* \* \* \* \* \* \* \* \*

The Contract is available to participants who receive certificates in certain employer-sponsored qualified retirement plans. The Contracts permit Participants to invest in and receive retirement benefits in one or more Fixed Account Options and/or an array of Variable Investment Options described in this prospectus. This Contract is part of your employer's retirement program which will describe which Variable Investment Options are available to you.

The Contract may be used where you have engaged an Investment Adviser to provide investment advice regarding the periodic allocation of investments within the Contract. We call this an "Advisory Program." Currently, we require that The Investment Adviser must be our affiliate, VALIC Financial Advisors ("VFA"), Inc., a registered investment adviser. The Investment Adviser will charge a fee for such services, and any fee is in addition to the Contract's fees and expenses.

Investment adviser fees deducted from the Contract may reduce the death benefit and annuity benefits, and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax.

**An employer purchasing the Contract for a retirement plan may cancel a newly purchased Contract within 20 days of receiving it without paying fees or penalties.**

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply. The right of cancellation under this Contract does not apply to Participants in a group plan except in a limited number of states.

\* \* \* \* \* \* \* \* \* \* \* \*

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov.

------

**Table of Contents** <br>

------

---

| | |
|:---|:---|
| [Special Terms Used in this Summary Prospectus](#xx_3dfdf683-d1b3-4983-b0d5-86db9f66ad90_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_5398314f-40fd-47dd-a4ef-1438d0750915_1) | 5  |
| [Overview of the Contract](#xx_9ce1dd97-a798-4806-abef-c63d65322de6_1) | 8  |
| [Benefits Available Under the Contract](#xx_9ce1dd97-a798-4806-abef-c63d65322de6_2) | 9  |
| [Buying the Contract](#xx_f028400a-63ca-45ea-be59-6b96810797f0_1) | 11  |
| [Making Withdrawals:](#xx_f028400a-63ca-45ea-be59-6b96810797f0_2)[Accessing the Money in Your Contract](#xx_f028400a-63ca-45ea-be59-6b96810797f0_2) | 12  |
| [Additional Information About Fees](#xx_f028400a-63ca-45ea-be59-6b96810797f0_3) | 13  |
| [Appendix](#xx_a9ffacfd-5757-49f2-8517-dd19ca93d8f7_1)[A — Funds Available Under the Contract](#xx_a9ffacfd-5757-49f2-8517-dd19ca93d8f7_1) | A-15 |

---

------

**Special Terms Used in this Summary Prospectus**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Account Value** | &nbsp;&nbsp; The total sum of your Variable Investment Option(s) and/or Fixed Account Option(s) that has not yet <br> been applied to your annuity payments.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Advisory Program** | &nbsp;&nbsp; The investment advice service provided by your Investment Adviser. Guided Portfolio Services<sup>®</sup> is an <br> advisory service offered by VFA. A separate investment advisory fee and agreement are required for this <br> service, if available under an employer's retirement plan. We do not honor investment adviser transfer <br> requests in connection with Advisory Programs that are offered through third-party Investment <br> Advisers.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Advisory Program** | &nbsp;&nbsp; The investment advice service provided by your Investment Adviser. Guided Portfolio Advantage<sup>SM</sup> / <br> Guided Portfolio Services<sup>®</sup> are the financial advice services offered by our affiliate, VALIC Financial <br> Advisors, Inc., a registered investment adviser and Company subsidiary (VFA). A separate investment <br> advisory fee and agreement are required for either of these services, if available under an employer's <br> retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party <br> investment adviser who is not affiliated with us. There may also be an advisory fee required by that <br> adviser. You should ask your investment adviser about any fees charged for investment advice <br> provided. *For new investors, we no longer honor investment adviser transfer requests in connection* <br> *with Advisory Programs that are offered through third-party Investment Advisers.*<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Annuitant** | The individual (in most cases, you) to whom Payout Payments will be paid. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Beneficiary** | &nbsp;&nbsp; The individual designated to receive the death benefit or Payout Payments upon the death of the <br> annuitant.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Business Day** | &nbsp;&nbsp; Any weekday that the New York Stock Exchange ("NYSE") is open for trading. Normally, the NYSE is <br> open Monday through Friday, from 9:30 a.m. to 4:00 p.m. Eastern time. On U.S. holidays or other days <br> when the NYSE is closed, such as Good Friday, the Company is not open for business.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Contract Owner** | The individual or entity to whom the Contract is issued. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Contract Year** | &nbsp;&nbsp; A 12-month period starting with the issue date of a Contract or Participant's Contract certificate, as <br> applicable, and each anniversary of that date.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Contract** | &nbsp;&nbsp; The group fixed and variable deferred annuity contracts summarized in this summary prospectus and <br> described in more detail in the prospectus.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Fixed Account Option** | &nbsp;&nbsp; An account that is guaranteed to earn at least a minimum rate of interest while invested in USL's <br> general account.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Fixed Account Plus** | A type of Fixed Account Option under the Contract. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Fund or Mutual Fund** | &nbsp;&nbsp; The investment portfolio(s) of a registered open-end management investment company, which serves <br> as the underlying investment vehicle for each Division represented in USL Separate Account RS.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Investment Adviser** | &nbsp;&nbsp; The investment adviser that you have engaged to provide services as part of an Advisory Program. We <br> only support Advisory Programs that are offered through VFA. There are typically advisory fees <br> associated with an Advisory Program. Those fees are separate from the Contract's fees and charges.<br>|
|  | &nbsp;&nbsp; USL is not an investment adviser to any Advisory Program and does not provide any advice under an <br> Advisory Program.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Living Benefit** | &nbsp;&nbsp; An optional guaranteed minimum withdrawal benefit designed to help you create a guaranteed income <br> stream for a specified period of time or as long as you and your spouse live, even if your entire Account <br> Value has been reduced to zero. Living Benefits are no longer available for purchase.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Market Close** | &nbsp;&nbsp; The close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is <br> open for business.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Multi-Year Enhanced** <br> **Option**<br>| A type of Fixed Account Option, potentially subject to market value adjustments. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Net Purchase Payments** | The total sum of Purchase Payments minus withdrawals and charges. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

------

---

| | |
|:---|:---|
| **Participant** | &nbsp;&nbsp; The individual (in most cases, you) who makes Purchase Payments or for whom Purchase Payments <br> are made.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Payout Payments** | Annuity payments withdrawn in a steady stream during the Payout Period. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Payout Period** | The time when you begin to withdraw your money in Payout Payments. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Platform Charge** | &nbsp;&nbsp; A fee we charge in order to make certain underlying Funds available as an investment option under the <br> Contract.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Purchase Payment** | An amount of money you or your employer pay to USL to receive the benefits of a Contract. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Purchase Period** | &nbsp;&nbsp; The accumulation period or time between your first Purchase Payment and the beginning of your <br> Payout Period (or surrender).<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Short-Term Fixed Account** | A type of Fixed Account Option under the Contract. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **USL (we, us, our)** | The United States Life Insurance Company in the City of New York. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Variable Investment** <br> **Option (or Division)**<br>| &nbsp;&nbsp; Any variable investment option under the Contract. Each Variable Investment Option invests in the <br> shares of a single Fund.<br>|

---

------

**Important Information You Should Consider About the Contract**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br>**Prospectus**<br>|
| **Charges for Early** <br> **Withdrawals**<br>| There are no surrender or withdrawal charges under the Contract. | There are no surrender or withdrawal charges under the Contract. | There are no surrender or withdrawal charges under the Contract. | &nbsp;&nbsp; **Fee Tables**<br>**Fees and Charges –** <br> **Surrender Charge**<br>|
| **Transaction Charges** | &nbsp;&nbsp;&nbsp; You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp;&nbsp; You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp;&nbsp; You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Fee Tables**<br>**Fees and Charges**<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | &nbsp;&nbsp; The table below describes the current fees and expenses of the Contract that <br> you may pay *each year*, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees you <br> will pay each year based on the options you have elected. The fees and <br> expenses do not reflect any advisory fees paid to an investment adviser from <br> the Contract. If such charges were reflected, the fees and expenses would be <br> higher. Interest on Contract loans is not reflected below. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Base Contract<sup>1</sup> <br>(varies by Contract class)<br>| 0.20% | 0.20% | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Fund fees and expenses)<br>| 0.015%  | 0.91% | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Fund net assets. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Lowest Annual Cost: $220** | **Highest Annual Cost: $1,132** | **Highest Annual Cost: $1,132** | **Fees and Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No optional benefits<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> base Contract classes and Fund <br> fees and expenses<br> •No surrender charges or advisory <br> fees<br> •No loans or additional Purchase <br> Payments, transfers, or <br> withdrawals | **Fees and Charges** |

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in this Contract, including your principal <br> investment. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp;&nbsp; •This Contract is not designed for short-term investing and is not <br> appropriate for an investor who needs ready access to cash.<br>•Withdrawals may reduce or terminate Contract guarantees and may result <br> in taxes and tax penalties.<br>•If you select the Fixed Account Plus option for investment, your ability to <br> transfer amounts from that option is subject to an annual limit. It may take <br> several years to transfer all amounts from the Fixed Account Plus option. If <br> you transfer amounts from the Fixed Account Plus option in excess of that <br> annual limit (including withdrawals from the Fixed Account Plus option for <br> the purpose of transferring assets to another funding entity), you may be <br> subject to a charge.<br>•The benefits of tax deferral, if applicable, and long-term income mean the <br> Contract is generally more beneficial to investors with a long investment <br> time horizon. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Risks Associated with** <br> **Investment Options**<br>| &nbsp;&nbsp;&nbsp; •An investment in this Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Contract.<br>•Each Variable Investment Option and each Fixed Account Option has its <br> own unique risks.<br>•You should review the investment options before making an investment <br> decision. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to us, USL. Any <br> obligations (including under any Fixed Account Option), guarantees, and <br> benefits of the Contract are subject to our claims-paying ability. If we <br> experience financial distress, we may not be able to meet our obligations to <br> you. More information about us, including our financial strength ratings, is <br> available upon request by calling 1-800-448-2542 or visiting <br> www.corebridgefinancial.com/rs. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp;&nbsp; •Certain investment options may not be available under your Contract.<br> •You may transfer funds between the investment options, subject to certain <br> restrictions.<br>•If you are enrolled in an Advisory Program, you are personally prohibited <br> from making transfers among investment options in the Contract. During <br> such period, transfer instructions may only be provided by the Investment <br> Adviser. If you terminate the Advisory Program, you may make transfers <br> among the investment options subject to certain restrictions.<br>•Transfers between the investment options, as well as certain purchases <br> and redemptions, are subject to policies designed to deter market timing <br> and frequent transfers.<br>•Transfers to and from the Fixed Account Options are subject to special <br> restrictions.<br>•Early withdrawals and transfers from a Multi-Year Enhanced Option may be <br> subject to negative adjustments.<br>•We reserve the right to remove or substitute Funds as investment options<br> •We reserve the right to stop accepting additional Purchase Payments  | &nbsp;&nbsp; **Fixed and Variable** <br> **Account Options**<br>**Transfers Between** <br> **Investment Options**<br>|

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Optional Benefits** | &nbsp;&nbsp;&nbsp; •If you are participating in an Advisory Program and your Investment <br> Adviser's fees are deducted from your Contract, the deduction of those <br> fees may reduce the death benefit and any other guaranteed benefit, and <br> may be subject to surrender charges, federal and state income taxes and a <br> 10% federal penalty tax. | &nbsp;&nbsp; **Advisory Program**<br>**Federal Tax Matters**<br>|
|  | **TAXES** |  |
| **Tax Implications** | &nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> Contract.<br>•If you purchase the Contract through a tax-qualified plan, there is no <br> additional tax benefit under the Contract.<br>•Withdrawals, including withdrawals to pay your Investment Adviser's fees, <br> may be subject to ordinary income tax. You may have to pay a tax penalty <br> if you take a withdrawal before age 59½. | **Federal Tax Matters** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; Your financial professional may receive compensation for selling this <br> Contract to you in the form of commissions, additional cash compensation, <br> and non-cash compensation. We may share the revenue we earn on this <br> Contract with your financial professional's firm, which may be an affiliate. <br> This conflict of interest may influence your financial professional to <br> recommend this Contract over another investment for which the financial <br> professional is not compensated or compensated less.<br> You may determine to engage our affiliate registered investment adviser, VFA, <br> to provide investment advice to you for the Contract. VFA will charge an <br> Advisory Program Fee. We do not set your investment advisory fee. While <br> USL will deduct the Advisory Program Fee from your Account Value based on <br> instructions from your Investment Adviser, we do not retain any portion of <br> these fees. USL, as an affiliate of VFA, will indirectly benefit from VFA's <br> receipt of Advisory Program Fees.<br> In addition, Investment Advisers and their managers are eligible for benefits <br> from us or our affiliates, such as non-cash compensation items.<br> One or more of these conflicts of interest may influence your financial <br> professional to recommend this Contract over another investment.  | &nbsp;&nbsp; **General Information –** <br> **Distribution of the** <br> **Contracts**<br>**Advisory Program** |
| **Exchanges** | &nbsp;&nbsp; Some financial professionals may have a financial incentive to offer you a <br> new contract in place of the one you already own. You should exchange a <br> contract you already own only if you determine, after comparing the features, <br> fees, and risks of both contracts as well as any fees or penalties to terminate <br> the existing contract, that it is better for you to purchase the new contract <br> rather than continue to own your existing contract. | &nbsp;&nbsp; **General Information –** <br> **Distribution of the** <br> **Contracts**<br>**Advisory Program** |

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**Overview of the Contract** 

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**Purpose of the Contract** 

The Contract is designed to help you invest on a tax-deferred basis, meet long-term financial goals, and plan for your retirement. You can accumulate assets by investing in the Contract's investment options and then later convert those accumulated assets into a stream of guaranteed income payments from us. The Contract includes a death benefit that may help financially protect your Beneficiary or Beneficiaries in the event of your death.

This Contract may be appropriate for you if you have a long investment time horizon and the Contract's terms and conditions are consistent with your financial goals. It is not intended for people whose liquidity needs require early or frequent withdrawals or for people who intend to frequently trade in the Contract's investment options.

The Contract is used in connection with employer-sponsored qualified retirement plans, for which the employer is the Contract owner and participating employees receive certificates related to the Contract.

If you are enrolled in an Advisory Program, Advisory Program fees deducted from your Contract may reduce the death benefit and any other guaranteed benefit and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax. See "*Surrender of Account Value*", "*Advisory Program*" and "*Federal Tax Matters*" in the prospectus.

**Phases of the Contract** 

Like all deferred annuities, the Contract has two phases: (1) a Purchase Period (for savings) and (2) a Payout Period (for income).

**Purchase Period.** During the Purchase Period, you invest your money under the Contract in one or more available investment options to help you build assets on a tax-deferred basis. The available investment options may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Variable Investment Options.** When you invest in a Variable Investment Option, you are indirectly investing in the Variable Investment Option's underlying Mutual Fund. The Mutual Funds have different investment objectives, strategies, and risks. You can gain or lose money if you invest in a Variable Investment Option. <br>**Additional information about each Mutual Fund is provided in an appendix to this prospectus. Please see APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Fixed Account Options.** When you invest in a Fixed Account Option (Fixed Account Plus or Short-Term Fixed Account), your principal is guaranteed and earns interest based on a rate set and guaranteed by us.

The amount of money you accumulate during the Purchase Period depends (in part) on the performance of the investment options you choose. You may transfer money between investment options during the Purchase Period, subject to certain restrictions. Your accumulated assets impact the value of your benefits during the Purchase Period, including the death benefit and the amount available for withdrawal.

**Payout Period.** When you are ready to receive guaranteed income under the Contract, you can switch to the Payout Period, at which time you will start to receive Payout Payments from us. This is also referred to as "annuitizing" the Contract. You generally decide when to annuitize. You can choose from the available payout options, which may provide income for life, for a guaranteed period of time, or a combination of both. You can also choose to receive Payout Payments on a variable or fixed basis, or a combination of both. If the Payout Payments are made on a fixed basis, the dollar amount of each payment will be the same. If the Payout Payments are made on a variable basis, the dollar amount for the payments will fluctuate.

The death benefit from the Purchase Period does not apply during the Payout Period. Any amount payable upon death during the Payout Period depends on the payout option selected. You cannot take withdrawals of Account Value or surrender the Contract during the Payout Period.

**Contract Features** 

**Retirement Plan Terms and Conditions.** The Contract is designed to be purchased by an employer for use in a retirement plan. Your participation in a group Contract will be subject to the terms and conditions of your retirement plan and applicable law, which may limit your ability to take certain actions under the Contract.

**Accessing Your Money.** You may withdraw money from the Contract at any time during the Purchase Period. If withdrawals are made from the Contract, you may have to pay a surrender charge and/or federal and state income taxes, including a tax penalty if you are younger than age 59½. Withdrawals may negatively impact the value of your benefits under the Contract.

**Tax Treatment.** Money can be transferred between investment options without tax implications, and earnings (if any) on your investments are generally tax-deferred. Earnings and untaxed contributions are not taxed until they are distributed, which may occur

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when making a withdrawal, upon receiving a Payout Payment, or upon payment of the death benefit. You do not receive any additional tax benefit under the Contract because the Contract is issued through a tax-qualified plan.

**Death Benefit.** If you die during the Purchase Period, we pay a death benefit to your Beneficiary or Beneficiaries. The Contract has a standard death benefit for no additional fee.

**Additional Features and Services.** Additional features and services under the Contract are summarized below. There are no additional charges associated with these features and services unless otherwise noted. Not all features and services may be available under your Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Systematic Withdrawals.** This program allows you to automatically receive withdrawals on a regular basis during the Purchase Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Loans.** Tax-free loans may be taken under tax-qualified Contracts, providing additional access to your money in the Fixed Account Options. You will incur interest on an outstanding loan. Loans are subject to restrictions, including a $1,000 minimum loan amount. You may not be able to take a loan under your Contract. We may charge up to $75 for a loan application fee for each loan if permissible by your state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Guided Portfolio Services**<sup>®</sup>**.** The GPS Portfolio Manager Program is the Advisory Program offered by our affiliated registered investments adviser, VFA, to help manage your Account Value. VFA offers the Advisory Program through its investment adviser representatives. It is an advice and asset management program offered to individuals in connection with their participation in certain employer-sponsored retirement plans. The Advisory Program is available to Participants in retirement plan accounts where the Contract is issued by USL. A separate investment advisory fee and agreement with VFA is required for this service, if available under an employer's retirement plan. More information about the GPS Portfolio Manager Program may be requested by contacting VFA at 866-544-4968 or it is also available free of charge on our website at www.corebridgefinancial.com/rs/prospectus-and-reports/vfa-form-adv-materials

**Benefits Available Under the Contract**

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**The following tables summarize information about the benefits available under the Contract.** 

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| | | | |
|:---|:---|:---|:---|
| **Standard Benefits** | **Standard Benefits** | **Standard Benefits** | **Standard Benefits** |
| **Name of Benefit** | **Purpose** | **Maximum Fee** | **Brief Description of Restrictions / Limitations** |
| Standard Death <br> Benefit<br>| &nbsp;&nbsp; Provides a death benefit <br> based on the greater of <br> Account Value or net <br> Purchase Payments<br>| No Charge | &nbsp;&nbsp;&nbsp; •Payable only during the Purchase Period<br> •Payable if death occurs at any age<br> •Withdrawals, including withdrawals to pay your advisory <br> fees, may significantly reduce the benefit<br> •If you have elected to enroll in the Advisory Program, the <br> Advisory Program Fees may reduce the death benefit. <br> Please see "**Impact of the Deduction of Advisory Program** <br> **Fees in Death Benefits**" in the "*Death Benefits*" section <br> below<br>|
| Systematic <br> Withdrawals<br>| &nbsp;&nbsp; Allows you to <br> automatically receive <br> withdrawals on a <br> regular basis during the <br> Purchase Period<br>| No Charge | &nbsp;&nbsp;&nbsp; •No more than one systematic withdrawal election may be in <br> effect at any time<br> •We reserve the right to discontinue any or all systematic <br> withdrawals or to change the terms at any time<br>|
| Loans | &nbsp;&nbsp; Provides tax-free <br> access to amounts <br> invested in Fixed <br> Account Options<br>| &nbsp;&nbsp; $75 application <br> fee (per loan, <br> where permitted <br> by state law<sup>1</sup>)<br> Maximum net <br> interest rate 6%<br>| &nbsp;&nbsp;&nbsp; •Available only during the Purchase Period<br> •May not be taken against amounts invested in Variable <br> Investment Options<br> •Interest will accrue on outstanding loan amounts<br> •Minimum loan amount is $1,000<br>|

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| | | | |
|:---|:---|:---|:---|
| **Standard Benefits** | **Standard Benefits** | **Standard Benefits** | **Standard Benefits** |
| **Name of Benefit** | **Purpose** | **Maximum Fee** | **Brief Description of Restrictions / Limitations** |
| Advisory Program | &nbsp;&nbsp; The investment advice <br> service provided by <br> your Investment <br> Adviser<br>| Not applicable | &nbsp;&nbsp;&nbsp; •A separate investment advisory fee and agreement is <br> required<br> •May not be available under your employer's retirement plan <br> or in connection with your Contract<br> •If you pay any investment adviser fee from the Contract, <br> any deduction may reduce the death benefit and annuity <br> benefits, and may be subject to surrender charges, federal <br> and state income taxes and a 10% federal penalty tax.<br> •Currently, we do not honor investment adviser transfer <br> requests in connection with Advisory Programs that are <br> offered through third-party Investment Advisers.<br> •You are encouraged to discuss the Advisory Program with <br> your financial professional and the impact that Advisory <br> Program Fees may have on your Contract Value before <br> electing to enroll in the Advisory Program. For more <br> information about how the deduction of Advisory Program <br> Fees may affect your Contract, please see "**Impact of** <br> **Deduction of Advisory Program Fee on Purchase** <br> **Payments**" in the "*Purchase Period*" section above, <br> "**Impact of Advisory Program Fees on Payment Payments**" <br> in the "*Payout Period*" section above, and the "**Impact of** <br> **the Deduction of Advisory Program Fees on Death** <br> **Benefit**" in the "*Death Benefits*" section below.<br>|

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<sup>1</sup> For more information about where applicable loan fees are permitted, please see "*Appendix B – State Contract Variability*" in the Prospectus.

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**Buying the Contract**

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**Purchasing the Contract**

If you are an employer purchasing a group Contract in connection with a retirement plan, you may purchase a Contract through licensed insurance agents who are registered representatives of broker-dealers. If you are an employee seeking to participate in your employer's group Contract, you may establish an account through your employer. Your employer will be responsible for furnishing the necessary information (including enrollment information and allocation instructions) and remitting the initial Purchase Payment to us.

When an initial Purchase Payment is accompanied by an application (or enrollment form), we will promptly either:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Accept the application and establish your account within 2 Business Days;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Request additional information to correct or complete the application. We will return the Purchase Payment within 5 Business Days if the requested information is not provided, unless you otherwise so specify. Once we have the requested information, we will establish your account effective the date we accept your application; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Reject the application and return the initial Purchase Payment.

If we receive an initial Purchase Payment from your employer before we receive your completed application (or enrollment form), we will not be able to establish a permanent account for you. If this occurs, we will either return the Purchase Payment, deposit the Purchase Payment into an employer-directed account, or deposit the Purchase Payment into a starter account.

**Purchase Payments**

Any contribution that you make into the Contract is a Purchase Payment. The initial Purchase Payment is the money you initially contribute to the Contract when purchasing the Contract or opening an account. For periodic payment Contracts, each contribution thereafter is a Subsequent Purchase Payment. If you are participating in an employer-sponsored retirement plan, your employer is responsible for remitting Purchase Payments to us.

The maximum single payment that may be applied to any account without our prior approval is $1,000,000.

Minimum initial and Subsequent Purchase Payments are as follows:

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|:---|:---|:---|
| **Contract Type** | **Initial Purchase Payment** | **Subsequent Purchase Payment** |
| Periodic Payment | $30 | $30 |
| Single Payment | $1000 | Not Applicable |

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Periodic payment minimums apply to each periodic payment made. The single payment minimum applies to each account.

**Crediting and Allocating Purchase Payments**

A Purchase Payment must be in "good order" before it can be posted to your account. "Good order" means that all required information and/or documentation has been supplied and that the funds (check, wire, or ACH) clearly identify for whom the Purchase Payment is to be applied. See "When Your Account Will be Credited" under "Purchase Period" in the prospectus for specific information that we will require for a Purchase Payment to be in good order.

We will credit a Purchase Payment to your account as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Initial Purchase Payment.** Once we receive the completed application (or enrollment form) and the initial Purchase Payment in good order, we will accept the application and establish your account within 2 Business Days. We will apply your Purchase Payment by crediting that amount to your account, effective the date we accept your application. If you do not give us all of the information we need, we will contact you to get it before we make any allocation. If for some reason we are unable to complete this process within 5 Business Days, we will either send back your money or get your permission to keep it until we get all of the necessary information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Subsequent Purchase Payments.** If a subsequent Purchase Payment is received on a Business Day in good order by our bank by Market Close, the appropriate account(s) will be credited on that Business Day. Purchase Payments received in good order after Market Close or on a non-Business Day will be credited the next Business Day.

When we credit a Purchase Payment to your account, we will allocate the Purchase Payment among the Fixed Account Option(s) and/or Variable Investment Option(s) based on the allocation instructions applicable to that Purchase Payment.

We may establish an account for you at the direction of your employer if your employer provides such direction on a form acceptable to USL and accompanied by certain necessary information. Under such circumstances, we will deposit your Purchase Payment in

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an "Employer-Directed" account invested in a Money Market Division, or other investment options chosen by your employer. In situations where we have your name, address and SSN, but do not have an agreement with your employer for employer-directed accounts, we will deposit your Purchase Payment in a "starter" account invested in the Money Market Division option available for your plan or other investment options chosen by your employer and request the information necessary to complete the application. If we do not receive the necessary information within 105 days, we may return the Purchase Payment to your employer or convert the account to an "unsolicited" account which would be subject to many of the same restrictions as a starter account.

**Making Withdrawals: Accessing the Money in Your Contract**

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**Purchase Period**

During the Purchase Period, you may withdraw all or part of your Account Value at any time if allowed by applicable law and your retirement plan. The following table highlights certain important information regarding withdrawals under the Contract.

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|:---|:---|
| **Surrender Charges and Taxes** | &nbsp;&nbsp;&nbsp; Your withdrawal may be subject to surrender charges and taxes, including a 10% federal tax penalty if you are <br> younger than age 59½.<br>|
|  | &nbsp;&nbsp;&nbsp; In any Contract Year, up to 10% of the Account Value may be withdrawn without a surrender charge. The <br> surrender charge will generally apply to any amount withdrawn that exceeds this 10% limit. The percentage <br> withdrawn will be determined by dividing the amount withdrawn by the Account Value just prior to the <br> withdrawal. If more than one withdrawal is made during a Contract Year, each percentage will be added to <br> determine at what point the 10% limit has been reached.<br>|
| **Market Value Adjustments** | &nbsp;&nbsp;&nbsp; If you take an early withdrawal from a Multi-Year Enhanced Option, the withdrawal will be subject to a market <br> value adjustment that will result in either an increase or reduction in the value of your investment in the Multi-<br> Year Enhanced Option.<br>|
| **Negative Impact on Contract** <br> **values**<br>| &nbsp;&nbsp;&nbsp; A withdrawal will reduce the value of your Contract and may reduce the value of the death benefit (perhaps <br> significantly).<br>|
| **Internal Revenue Code or** <br> **Retirement Plan**<br>| &nbsp;&nbsp;&nbsp; Depending on the circumstances, the Internal Revenue Code or your retirement plan may restrict your ability <br> to take withdrawals.<br>|

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When you take a partial withdrawal, you may specify an amount to be taken from each investment option in which you are invested, or that the amount should be withdrawn pro-rata against all of your investment options. If you do not specify, the withdrawal will be taken pro-rata against all of your investment options.

Withdrawing all of the money in your Contract (also known as a full surrender) will terminate your account. If your Account Value falls below $300, and you do not make any Purchase Payments for at least two years, we may terminate your account and pay the Account Value to you.

The surrender value in a Fixed Account Option will never be less than the Purchase Payments allocated to the Fixed Account Option (less amounts transferred to a Variable Investment Option or withdrawn from the Fixed Account Option).

**Payout Period**

Once the Payout Period begins, you will receive Payout Payments from your Contract under the selected payout option. You cannot make withdrawals of your Account Value during the Payout Period.

**Requesting a Surrender or Withdrawal**

If you would like to access all or a portion of your Account Value during the Purchase Period, you must complete a surrender request form in good order or information required in other approved media. Submit your request to our Home Office at 2919 Allen Parkway, Houston, Texas 77019, or to our Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105. Good order means that all paperwork is complete and signed or approved by all required persons, and any necessary supporting legal documents or plan forms have been received in correct form.

We will send via EFT or by mail a check with the surrender value to you within seven calendar days after we receive your request if it is in good order. Under certain circumstances, we may be permitted or required by applicable law to delay payment.

If you wish to receive automatic withdrawals, you may enroll in a systematic withdrawal program under the Contract, if available.

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**Additional Information About Fees**

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**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses below do not reflect any advisory fees paid to your Investment Adviser from Contract or other assets. If such charges were reflected, the fees and expenses would be higher.**

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender, or make withdrawals from the Contract, or transfer cash value between investment options. State premium taxes may also be deducted.**

***<u>Transaction Expenses</u>*** 

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| | |
|:---|:---|
| **Maximum Surrender Charge** |  |
| **Maximum Loan Application Fee (per loan)** | $75 |
| **Fixed Account Plus Excess Transfer Charge** | 5.00%<sup>(1)</sup> <br>|

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**The following tables describe the fees and expenses that you will pay each year during the time that you own the Contract, not including Fund fees and expenses. If you have chosen to purchase an optional benefit, you pay additional charges, as shown below.**

***<u>Annual Contract Expenses</u>*** 

**Annual Variable Investment Option Maintenance Charge**<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **Annual Fees** | **Current** | **Maximum** |
| **Base Contract Expenses**<sup>(2)</sup> <br>(as a percentage of average daily net asset value allocated to the Variable Investment Option)<br>| 0.20% | 0.20% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| |
|:---|
| **Optional Benefit Expenses** |
| **Loan Interest Charges**<br> (as a percentage of average daily value allocated to the Fixed Account Option)<br>|
| Non-ERISA Contracts<sup>1</sup> <br>3.00 – 6.00%<sup>3</sup> <br>|
| ERISA Contracts<sup>2</sup> <br>5.50%<sup>4</sup> <br>|

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<sup>1</sup> Contracts that are not issued as part of a retirement plan subject to The Employee Retirement Income Security Act of 1974 (ERISA) including 457 Plans and retirement plans administered by government entities and churches, as well as IRAs and Non-Qualified Deferred Annuities. <br><sup>2</sup> Contracts that are issued as part of employer-sponsored retirement plans subject to ERISA including 401(k) and certain 403(b) defined contribution plans.

<sup>3</sup> The Non-ERISA Loan Interest Charges will vary based on the Guaranteed Minimum Interest Rate (GMIR) on your contract. Please refer to your contract for your GMIR.

<sup>4</sup> The ERISA Loan Interest Charges are variable rates based upon an index prescribed under applicable state insurance rules for policy loans. Loan Interest Charges for an existing loan will not increase, but may decrease, during the term of the loan.

***<u>Annual Fund Expenses</u>***

**The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in Appendix A of this document.** 

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| | | |
|:---|:---|:---|
| **Annual Fund Expenses**<br> (expenses that are deducted from Fund assets, including management fees, distribution and/or <br> service (12b-1) fees (if applicable), and other expenses) | **Minimum**<sup>(3)</sup> <br>| **Maximum**<sup>(4)</sup> <br>|
| **Annual Fund Expenses**<br> (expenses that are deducted from Fund assets, including management fees, distribution and/or <br> service (12b-1) fees (if applicable), and other expenses) | 0.015%  | 0.91% |

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**Footnotes to the Fee Tables**

(1) Transfers from the Fixed Account Plus option are limited to 20% per Participant Year. See "Transfers Between Investment Options." Transfers in excess of this limitation will be permitted; however, the excess amount transferred will be subject to a charge of 5% on the excess amount transferred. Withdrawals from the Fixed Account Plus Option to another funding entity are considered "transfers" for purposes of this limitation. See "Fees and Charges – Fixed Account Plus Transfer Charge."

(2) Also referred to as "Separate Account Charges."

(3) The Funds with the lowest total annual fund operating expenses is the Fidelity 500 Index.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

(4) The Fund with the highest total annual fund operating expenses is the Impax Global Environmental Markets Institutional Shares.

***Examples*** 

**These examples are intended to help you compare the cost of investing in the Funds with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.** <br>**These examples assume all Contract value is allocated to the Variable Investment Options. Your costs could differ from those shown below if you invest in the Fixed Account Options.**

**Each example assumes that you invest a single Purchase Payment of $100,000 in the Funds for the time periods indicated. Each example also assumes your investment has a 5% return each year and assumes the most expensive combination of annual Contract expenses and annual Fund expenses as well as optional benefits. None of the examples include the effect of premium taxes upon annuitization, or the effect of any advisory fees paid to your Investment Adviser from the Contract. If these fees and charges were reflected, the costs would be higher. Your actual costs may be higher or lower than the examples below.**

**The first set of examples assumes the most expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:**

(1) If you surrender your Contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $1132  | $3531  | $6125  | $13564 |

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(2) If you annuitize your Contract or you do *not* surrender your Contract:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $1132  | $3531  | $6125  | $13564 |

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**The second set of examples assumes the least expensive combination of annual Contract expenses and annual Fund expenses. Based on these assumptions, your costs would be:** 

(1) If you surrender your Contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $220  | $693  | $1214  | $2756 |

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(2) If you annuitize your Contract or you do *not* surrender your Contract:

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| | | | |
|:---|:---|:---|:---|
| **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| $220  | $693  | $1214  | $2756 |

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**Appendix A — Funds Available Under the Contract**

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**The availability of certain Funds can vary based on your employer. Refer to your employer's retirement program documents for a list of the employer-selected funds available in your Contract and any limitations on the number of Funds you may choose. All Funds may not be available for all plans or Contracts.**

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/suny/prospectus-and-reports. You can also request this information at no cost by calling 1-800-448-2542.

The current expenses and performance information below reflect fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** |
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2020 Fund<br> *Adviser*: *The Vanguard Group, Inc*.<br>| 0.08% | 7.75% | 4.75% | 5.58% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2025 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 9.44% | 5.66% | 6.32% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2030 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 10.64% | 6.44% | 6.92% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2035 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 11.78% | 7.20% | 7.51% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2040 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 12.88% | 7.97% | 8.08% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2045 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 13.91% | 8.73% | 8.57% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2050 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.64% | 9.03% | 8.72% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2055 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.64% | 9.02% | 8.70% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2060 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.63% | 9.02% | 8.70% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2065 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.62% | 9.01% | 9.24%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2070 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.59% | N/A | 14.08%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement Income Fund<br> *Adviser: Vanguard*<br>| 0.08% | 6.58% | 3.58% | 4.19% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2024)** |
| **Type** | &nbsp;&nbsp; **Fund – Share Class**<br> *Adviser/Sub-Adviser*<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Index Funds** | &nbsp;&nbsp; Fidelity 500 Index<br> *Adviser: Fidelity Management & Research Company LLC*<br> *Sub-Adviser: Geode Capital Management, LLC*<br>| 0.02% | 25.00% | 14.51% | 13.09% |
| **Index Funds** | &nbsp;&nbsp; Vanguard FTSE Social Index I<br> *Adviser: Vanguard*<br>| 0.07% | 26.01% | 14.55% | 13.48% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Mid Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode* <br>| 0.03% | 15.35% | 9.93% | 9.69% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Small Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.03% | 11.69% | 7.50% | 7.96% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Total International Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.06% | 4.9% | 4.11% | 5.88% |
| **Index Funds** | &nbsp;&nbsp; Fidelity U.S. Bond Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.03% | 1.34% | -0.31% | 1.33% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Federal Money Market – Investor Class<br> *Adviser: Vanguard*<br>| 0.11% | 5.23% | 2.44% | 1.72% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Nuveen Core Impact Bond – Class R6<br> *Adviser: Teachers Advisors, LLC*<br>| 0.35% | 2.56% | -0.11% | 1.70% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Allspring Core Plus Bond – Class R6<br> *Adviser: Allspring Funds Management, LLC*<br> *Sub-Adviser: Allspring Global Investments, LLC*<br>| 0.30% | 2.41% | 1.13% | 2.30% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Inflation-Protected Bond Index<br> *Adviser: Fidelity*<br>| 0.05% | 2.01% | 1.81% | 2.18% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; PGIM High Yield – Class R6<br> *Adviser: PGIM Fixed Income*<br> *Sub-Adviser: PGIM Limited*<br>| 0.38% | 8.46% | 3.93% | 5.38% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Equity- Income – Admiral Shares<br> *Advisers: Vanguard and Wellington Management Company LLP*<br>| 0.18% | 15.16% | 9.97% | 10.07% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Parnassus Core Equity – Investor Shares<br> *Adviser: Parnassus Investment, LLC*<br>| 0.81% | 18.52% | 13.25% | 12.02% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; JPMorgan Large Cap Growth – Class R6<br> *Adviser: J.P. Morgan Investment Management Inc.*<br>| 0.44% | 34.17% | 20.27% | 17.87% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Victory Sycamore Established Value – Class R6<br> *Adviser: Victory Capital Management Inc.*<br>| 0.54% | 10.24% | 11.11% | 10.80% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; T. Rowe Price Diversified Mid-Cap Growth – I Class<br> *Adviser: T. Rowe Price Associates, Inc.*<br>| 0.67% | 23.95% | 11.24% | 13.27% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Impax Global Environmental Markets – Institutional Class<br> *Adviser: Impax Asset Management LLC*<br> *Sub-Adviser: Impax Asset Management Ltd*.<br>| 0.89% | 5.12% | 7.97% | 8.41% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; America Funds Europacific Growth – Class R6<br> *Adviser: Capital Research and Management Company*<br>| 0.47% | 5.04% | 3.95% | 5.66% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Franklin Small Cap Value – Class R6<br> *Adviser: Franklin Mutual Advisers, LLC*<br>| 0.60% | 11.75% | 8.77% | 8.52% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Explorer – Admiral Shares<br> *Advisers: Vanguard, ArrowMark Colorado Holdings, LLC, ClearBridge Investments,* <br> *LLC, Stephens Investment Management Group, LLC, Wellington Management* <br> *Company LLP*<br>| 0.33% | 10.37% | 9.24% | 10.22% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Advisor Focused Emerging Markets – Class Z<br> *Adviser: Fidelity*<br>| 0.81% | 9.43% | 3.98% | 5.89% |

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\* Since inception of the Fund

<sup>1</sup> The following adviser/sub-adviser abbreviations are used in this table:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity – Fidelity Management & Research Company LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Geode – Geode Capital Management, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard – The Vanguard Group

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The Statement of Additional Information (SAI) contains additional information about the Contract, the Company, and the Separate Account, including financial statements. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. For a free copy of the SAI or to request other information about the Contract or to make other inquiries, contact us by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mailing: Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calling: 1-800-448-2542

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Visiting: www.corebridgefinancial.com/rs/suny/prospectus-and-reports

You may also obtain reports and other information about the Separate Account on the SEC's website at www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier: C000257296

<sup>©</sup> 2025 Corebridge Financial, Inc.

All Rights Reserved.

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