Document:

EX-10.22

 Exhibit 10.22 

THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A REQUEST FOR
CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
 AMENDMENT
NO. 2 
 TO THE 

AUTOMATIC REINSURANCE AGREEMENT 

EFFECTIVE DECEMBER 31, 2007 

BETWEEN 
 OM FINANCIAL
LIFE INSURANCE COMPANY 
 AND 

WILTON REASSURANCE COMPANY 
 THIS
AMENDMENT NO. 2 (this “Amendment No. 2”) is made and entered into as of this 6th day of April, 2011, and amends and is made a part of the Automatic Reinsurance Agreement, originally effective December 31, 2007 (as
amended, the “Reinsurance Agreement”), between OM Financial Life Insurance Company, a Maryland insurance company (the “Ceding Company”), and Wilton Reassurance Company, a Minnesota insurance company (the
“Reinsurer”). 
 WHEREAS, pursuant to the Reinsurance Agreement, the Ceding Company automatically cedes to the
Reinsurer the Quota Share (as defined in the Reinsurance Agreement) of the Ceding Company’s contractual liabilities arising out of the Reinsured Policies (as defined in the Reinsurance Agreement); and 

WHEREAS, Harbinger OM, LLC, a Delaware limited liability company (“Harbinger”) will acquire or has acquired (the
“Acquisition”) control and 100% ownership of all of the common stock of Old Mutual U.S. Life Holdings, Inc., a Delaware corporation and the parent company with respect to the Ceding Company; and 

WHEREAS, in connection with the completion of the Acquisition and pursuant to the terms of the Commitment Agreement, dated as of
January 26, 2011, by and between Harbinger and Wilton Re U.S. Holdings, Inc., a Delaware corporation (the “Commitment Agreement”), the Ceding Company and the Reinsurer desire to amend the Reinsurance Agreement in the manner set
forth below to, among other things, include in the scope of the reinsurance provided thereunder risks and obligations with respect to certain additional blocks of insurance; 

NOW, THEREFORE, in consideration of the covenants, agreements, representations and warranties contained herein and in the Reinsurance
Agreement, the parties hereto agree as follows: 
 1. Definitions. Capitalized terms used but not defined in this Amendment
No. 2 shall have the respective meanings given to such terms in the Reinsurance Agreement. 
 2. Additional
Policies. Subject to the occurrence of the Second Amendment Closing Date in accordance with Section 3 hereof, effective as of April 1, 2011 (the “Second Amendment Effective Date”), the Ceding Company will
automatically cede to the Reinsurer the Second Amendment Quota Share (as hereinafter defined) of the Ceding Company’s contractual liabilities arising out of the Second Amendment Additional Policies (as hereinafter defined). For purposes of this
Amendment No. 2, (a) the term “Second Amendment Quota Share” means 100% and (b) the term “Second Amendment 

  
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Additional Policies” means the (i) individual and non-discretionary group traditional life insurance policies and universal life insurance policies, together with related plans,
benefits, policy loans, riders and endorsements but excluding all return of premium or similar benefits, whether or not reflected in policy riders, endorsements or base provisions, all as specified on Annex A-1 hereto and as were first issued
by the Ceding Company on or before March 31, 2010 and remained in force and effect as of such date (the “Additional Direct Policies”) and (ii) individual life insurance policies (the “Additional Assumed Policies”)
reinsured by the Ceding Company under the terms of that certain Yearly Renewable Term Retrocession Agreement, dated as of April 1, 2003 by and between the Ceding Company and Security Life of Denver Insurance Company (“SLD”) (the
“ING Assumed Reinsurance Agreement”), provided, however, that, subject to Section 13 hereof, the Ceding Company represents and warrants as a condition of coverage of the Additional Direct Policies under the Reinsurance
Agreement, that the representations and warranties set forth in clauses (a) through (c) of Section 2.3 of the Reinsurance Agreement shall apply to the Additional Direct Policies, except that (x) the condition set forth in Section B.1 on Exhibit B of
the Reinsurance Agreement shall not apply and (y) with respect to clause (c)(ii) of Section 2.3 of the Reinsurance Agreement, the phrase “worksite marketing” shall be deleted for purposes of such representation and warranty as it relates
to the Additional Direct Policies. For the avoidance of doubt, with respect to the Second Amendment Additional Policies identified in Annex A-1 as reinsured by “Raven & Wilton” the reinsurance hereunder shall be net of the quota
share portion specified therein (the “Excluded Share”). It is expected that such Excluded Share will be reinsured under the Reinsurance Agreement, dated as of April 7, 2011 between the Ceding Company and Raven Reinsurance Company
(“Raven Re”), and further, will be ceded to the Reinsurer in the future pursuant to Amendment No. 3 to the Reinsurance Agreement subject to the occurrence of the Third Amendment Closing Date (as such term is defined in such
Amendment No. 3). For the avoidance of doubt, Reinsurer shall have no risk under this Amendment No. 2 with respect to the Excluded Share, including, without limitation, any risk of collectability of the cession with regards thereto. The schedule of
plans, riders and benefits set forth in Annex A.1 shall remain subject to confirmation by the Reinsurer prior to the Second Amendment Closing Date (following completion of the validation review being conducted by the Reinsurer as of the date
hereof); provided, however, that any material changes to such Annex A.1 shall be subject to mutual agreement by the parties. For the sake of clarity, this reinsurance shall not cover claims arising under the Second Amendment Additional
Policies prior to the Second Amendment Effective Date and, as respects the Additional Direct Policies, excludes any return of premium or similar benefits or features, whether embodied in riders or endorsements or otherwise. Beginning on the Second
Amendment Effective Date, all references in the Reinsurance Agreement to Reinsured Policies shall include the Second Amendment Additional Policies except (I) as otherwise set forth in this Amendment No. 2 or as referenced in the first sentence of
Section 2.1 (General Conditions), Section 2.3 (Reinsured Policies) or the last sentence of Section 8.1 (Reserves) and (II) in respect of the Second Amendment Additional Policies, all references in the Reinsurance
Agreement to “Effective Time” and “Closing Date” shall instead refer to “Second Amendment Effective Date” and “Second Amendment Closing Date,” respectively. In addition, the parties agree and acknowledge that
the Ceding Company has not issued, and does not administer, the Additional Assumed Policies and, as a result, any provision of the Reinsurance Agreement that (A) requires the Ceding Company to take or refrain from taking any specific action
with respect to the Additional Assumed Policies or (B) whereby the Ceding Company makes any representation or warranty in connection with the issuance or administration of the Additional Assumed Policies, including without limitation Article 5
(Reductions, Terminations and Changes), Article 7 (Claims), Section 4.6 (Premiums Payable by Direct Policyholders on Reinsured Policies), Section 11.6 (Compliance) and Section 11.8 (Business Continuity), shall
not apply to the Additional Assumed Policies except to the extent that, as to the taking or refraining from taking any such actions from and after the Second Amendment Closing Date, the Ceding Company has a right under the 

  
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 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION
HAS BEEN OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
  

 ING Assumed Reinsurance Agreement to cause such action to be taken or not taken or such conditions to exist
or not exist. The parties also agree that, notwithstanding any exclusions or exceptions to the Reinsurer’s liabilities under the terms of the Reinsurance Agreement generally, the Reinsurer shall be liable to, and shall indemnify, the Ceding
Company for the Second Amendment Quota Share of all of the Ceding Company’s liabilities for death claims occurring on or after the Second Amendment Effective Date and covered under the terms of the ING Assumed Reinsurance Agreement, including
without limitation the Ceding Company’s obligations to fund increases to the balance of the funds withheld account maintained by SLD pursuant to the terms of the ING Assumed Reinsurance Agreement, other than the Ceding Company’s continuing
obligations to fund increases solely as respects death claims occurring prior to the Second Amendment Effective Date. For purposes of this Amendment No. 2, fundings made by the Ceding Company to the funds withheld account maintained by SLD
pursuant to the terms of the ING Assumed Reinsurance Agreement after the date hereof in order to fund increases solely as respects death claims occurring prior to the Second Amendment Effective Date are referred to as the “Excluded
Balances.” 
 3. Second Amendment Closing Settlement Amount. In consideration for the reinsurance contemplated
hereunder, the Ceding Company will transfer to the Reinsurer, in accordance with the provisions set forth below in this Section 3, cash and specified cash-equivalent or other securities approved in advance by the Reinsurer with an aggregate
market value, including amounts of due and accrued investment income related thereto (the “Designated Value”), equal to the Second Amendment Quota Share of the following balances, each measured as of the Second Amendment Effective
Date unless otherwise provided: (a) statutory-basis reserves held for the Second Amendment Additional Policies (excluding reserves for claims in the course of settlement and claims that have been incurred but not reported for the Second
Amendment Additional Policies as of the Second Amendment Effective Date), minus (b) net premiums due or deferred with respect to the Second Amendment Additional Policies, minus (c) any policy loans outstanding on the Second
Amendment Additional Policies, net of any unearned policy loan interest on such loans but including related amounts of interest due and accrued plus or minus, as the case may be, (d) balances as agreed mutually by the parties
pertaining to Other Reinsurance that are not otherwise reflected in items (a), (b) or (c) above as to which risks are ceded hereunder, minus (e) the statutory book value on the books of SLD of amounts held by SLD on a funds
withheld basis pursuant to the terms of the ING Assumed Reinsurance Agreement (items (a), (b), (c), (d) and (e) taken together, the “Ceded Reserves”), plus or minus (f) the amount of any balance of interest
maintenance reserves associated with the Second Amendment Additional Policies, determined on a pre-tax basis and including any additional amounts of interest maintenance reserves required to be established or maintained in connection with the
completion of the transactions contemplated by this Amendment No. 2 (“IMR”) (provided, that in the case of existing IMR, but not in the case of additional IMR required to be established or maintained in connection with
the completion of the transactions contemplated by this Amendment No. 2, such amount shall not be less than zero), minus (g) a ceding allowance equal to $[***] (the “Second Amendment Ceding Allowance”) (such
aggregate Designated Value being referred to as the “Second Amendment Closing Settlement Amount”). For purposes of this Amendment No. 2, the term “Second Amendment Closing Date” means, subject to the
Termination Date, (A) the later to occur of (x) the second business day following the closing date of the Acquisition, (y) the first business day immediately following the completion of the recapture of the Second Amendment Additional
Policies reinsured by Old Mutual Reassurance (Ireland) Limited, or (z) the third 

  
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business day following the satisfaction or waiver of each of the Second Amendment Conditions Precedent, or (B) such other date as the parties may mutually agree. The parties agree and
acknowledge that securities listed in Annex D hereto shall be deemed to satisfy the requirement hereunder and under Section 5(a) of the Commitment Agreement that securities used to fund the Second Amendment Closing Settlement Amount be
approved in advance by the Reinsurer. 
 (a) Provisional Settlement. Subject to Sections 5(d) and 5(e) of the Commitment
Agreement, on the Second Amendment Closing Date, the Ceding Company shall transfer to the Reinsurer cash and specified cash-equivalent or other securities approved in advance by the Reinsurer with an aggregate market value as of the business day
immediately preceding the Second Amendment Closing Date, including amounts of due and accrued investment income related thereto, equal to the Second Amendment Closing Settlement Amount as determined in good faith by the Ceding Company; provided that
such amount shall be determined as of December 31, 2010 based on the balances determined from the Ceding Company’s books and records and in accordance with statutory accounting principles prescribed generally by the State of Maryland
consistently applied, as adjusted to the extent required under Section 5(d) of the Commitment Agreement (the “Estimated Settlement Payment”). For the avoidance of doubt, any securities transferred as required in this paragraph
shall be valued as of the business day immediately preceding the Second Amendment Closing Date. The Estimated Settlement Payment shall be subject to adjustment as described below. The parties agree and acknowledge that the Settlement Notice
delivered by the Ceding Company pursuant to Section 5(a) of the Commitment Agreement shall have been prepared as of December 31, 2010. 

(b) Post-Closing Settlement. No later than forty five (45) days after the Second Amendment Closing Date, the Ceding Company shall
deliver to the Reinsurer a settlement notice (the “Post-Closing Settlement Notice”), which sets forth the Ceding Company’s good faith estimate of (i) the actual Second Amendment Closing Settlement Amount as determined in
good faith by the Ceding Company as of the Second Amendment Effective Date based on the balances determined from the Ceding Company’s books and records and in accordance with statutory accounting principles prescribed generally by the State of
Maryland consistently applied; provided that such calculation shall not be reduced by the amount of the Second Amendment Ceding Allowance (the “Actual Second Amendment Closing Settlement Amount”) and (ii) the Second
Amendment Ceding Allowance as adjusted in accordance with provisions of Annex E (the “Adjusted Ceding Allowance”). 
 The
Post-Closing Settlement Notice shall become final, binding and conclusive upon the Reinsurer and the Ceding Company on the sixtieth (60th) day following the Reinsurer’s receipt of the
Post-Closing Settlement Notice, unless prior to such sixtieth (60th) day the Reinsurer delivers to the Ceding Company a written notice (a “Dispute Notice”) stating that the
Reinsurer believes the Post-Closing Settlement Notice is incorrect and specifying in reasonable detail the basis for such assertion (each item addressed in such Dispute Notice, a “Disputed Item”), the amount in dispute for each
Disputed Item and the reasons supporting the Reinsurer’s positions. For the avoidance of doubt, the Reinsurer shall be afforded the access rights provided under Section 11.5 of the Reinsurance Agreement in connection with its review of the
Post-Closing Settlement Notice pursuant to this Section 3(b). 
 If the Reinsurer delivers a Dispute Notice, then the Ceding Company and the Reinsurer
shall seek in good faith to resolve the Disputed Items during the thirty (30)-day period beginning on the date the Ceding Company receives the Dispute Notice. If Ceding Company and the Reinsurer reach agreement with respect to any Disputed Items,
the Ceding Company shall revise the Post-Closing Settlement Notice to reflect such agreement. In the event the Ceding Company and the Reinsurer cannot resolve any Disputed Item, the Ceding Company and the Reinsurer shall resolve any such
disagreement in accordance with Article 17 (Arbitration) of the Reinsurance Agreement. 

  
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 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION
HAS BEEN OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
  

 Within five (5) business days after the Post-Closing Settlement Notice becomes final pursuant to the
provisions of this Section 3 
 (i) If (A) the final Actual Second Amendment Closing Settlement Amount less $[***] exceeds
(B) the Estimated Settlement Payment, the Ceding Company shall pay to the Reinsurer an amount equal to such excess, and if (A) the final Actual Second Amendment Closing Settlement Amount less $[***] is less than (B) the Estimated
Settlement Payment, the Reinsurer shall pay to the Ceding Company an amount equal to the shortfall; and 
 (ii) Without duplication in
respect of the foregoing, if (A) the final Adjusted Ceding Allowance exceeds $[***], the Reinsurer shall pay to the Ceding Company an amount equal to such excess, and if (B) the final Adjusted Ceding Allowance is less than $[***], the
Ceding Company shall pay to the Reinsurer an amount equal to the shortfall. 
 For the avoidance of doubt, in the event that both parties are required to
make payments pursuant to clauses (i) and (ii) above, the amounts due to be paid to either party shall be payable on a net basis. 

4. Commitment and Termination. Notwithstanding anything set forth in this Amendment No. 2 to the contrary, the
reinsurance provided hereunder will not become effective or valid and binding on either party and the Second Amendment Closing Date shall not occur unless the Second Amendment Conditions Precedent have been satisfied or waived as required under the
Commitment Agreement; provided, that without prejudice to any of its other rights or remedies, each of the Second Amendment Conditions Precedent may be waived in each case solely by the party that is the beneficiary of such Second Amendment
Condition Precedent, in whole or in part in such party’s sole discretion. Any such waiver shall be without prejudice to any other rights of such party. For the purposes of this Amendment No. 2, “Second Amendment Conditions
Precedent” means those Coinsurance Conditions, as such term is defined in the Commitment Agreement, that are conditions precedent to the occurrence of the Second Amendment Closing Date and that pertain to this Amendment No. 2. In the
event that the Second Amendment Closing Date shall have not occurred within sixty (60) days from the date hereof (such date, the “Termination Date”), the Reinsurer shall have no obligation or right to reinsure, and the Ceding
Company shall have no obligation or right to cede, the Second Amendment Additional Policies pursuant to this Amendment No. 2 and this Amendment No. 2 shall terminate and expire and no party shall have any further liability or obligation
hereunder other than as respects Article 18 (Confidentiality) of the Reinsurance Agreement, which provision shall continue to apply as to information provided with respect to the Second Amendment Additional Policies as fully as if the reinsurance
hereunder had been completed, provided, however, that any such termination or expiration shall not (a) release any party as respects any breach thereby of the terms of this Amendment No. 2 as shall have occurred prior to the Termination
Date or (b) relieve such breaching party of liability for such breach. Notwithstanding the foregoing, to the extent that the sole reason that the Second Amendment Closing Date has not occurred on or before the Termination Date is that one or
more Required Consents (as such term is defined in the Commitment Agreement) have not been obtained on or prior to such date, the Termination Date shall be extended for an additional thirty (30) days as necessary or appropriate to procure such
Required Consents. 

  
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 5. Reinsurance Trust. If, as of the end of any calendar quarter following the
Second Amendment Closing Date, the Reinsurer fails to maintain an RBC Ratio of at least 200% (or, if and to the extent that the Reinsurer grants to any of its other ceding companies a financial impairment trigger at an RBC Ratio higher than 200% (a
“MFN Trigger”), if the Reinsurer fails to maintain an RBC Ratio of at least such higher percentage) (a “Security Event”), the Reinsurer shall provide additional security at its sole cost and expense for the
performance of its obligations under this Amendment No. 2, and shall promptly establish and as provided below thereafter maintain a trust account (“Trust Account”) with a mutually-agreed trustee that is a qualified United
States financial institution (as used in the Maryland insurance laws) and, subject to a mutually-agreed form of trust agreement which the Parties agree to negotiate in good faith (the “Trust Agreement”), secure the payment of
amounts due the Ceding Company under this Amendment No. 2 in accordance with the provisions of this Section 5 and the terms of the Trust Agreement. The Reinsurer shall pay into, and shall thereafter maintain in the Trust Account during the
pendency of such Security Event cash in United States currency and securities permitted under (a) the investment guidelines used by the Reinsurer for its general account investments and (b) applicable law in the Reinsurer’s state of
domicile having an aggregate then-current statutory book value calculated in accordance with statutory accounting principles applicable to the Reinsurer, consistently applied, equal to no less than 102% of the then-current Ceded Reserves, which
Trust Account balance the Reinsurer shall adjust on at least a quarterly basis. For purposes of the foregoing, the term “RBC Ratio” means as to any insurer the ratio, as of the date of determination, of an insurer’s
“total adjusted capital” over its “authorized control level” of risk-based capital as such terms are defined and prescribed by requirements promulgated by the National Association of Insurance Commissioners and
regulations adopted by the insurance regulatory authorities in the Reinsurer’s and the Ceding Company’s state of domicile which are in effect as of the date hereof, calculated as of the end of each calendar quarter, and using reserving
methodologies and asset classifications that are in accordance with generally accepted statutory accounting principles and practices required or permitted by the National Association of Insurance Commissioners and the insurance regulatory
authorities in the Reinsurer’s state of domicile, consistently applied throughout the specified period and in the immediately prior comparable period. The Reinsurer shall provide to the Ceding Company prompt written notice of any MFN Triggers
or Security Event. 
 6. Non-Guaranteed Elements. 

(a) “Non-Guaranteed Elements” means loads and expense charges, credited interest rates and dividends, if any, each as
applicable under the Second Amendment Additional Policies. 
 (b) The Ceding Company has provided to the Reinsurer as part of the Risk
Evaluation Materials full and complete copies of the following information and analyses related to the Additional Direct Policies, as applicable: (i) current and projected cost of reinsurance charges and other costs and charges for mortality
and administration of the Additional Direct Policies; (ii) current and projected interest credited rates; (iii) current and projected dividend scales; and (iv) a description of the actuarial, financial and other policies, guidelines
and methodologies used by the Ceding Company in determining over time the amounts in items (i), (ii) and (iii) above as well as any other of the Non-Guaranteed Elements, including without limitation financial or actuarial models used in
determining the Non-Guaranteed Elements and a full description of all regulatory or other commitments made by or applicable to the Ceding Company in respect of the Non-Guaranteed Elements (together, the “Company Guidelines”). For
the avoidance of doubt, notwithstanding anything in the Reinsurance Agreement to the contrary, including, without limitation, Section 11.3 of the Reinsurance Agreement, the Reinsurer shall be liable to, and shall indemnify, the Ceding Company
for the Second Amendment Quota Share of all of the Ceding Company’s liabilities incurred on or after the Second Amendment Effective Date for dividends 

  
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paid or payable under the Additional Direct Policies. Consistent with the Company Guidelines, the Ceding Company shall at least quarterly re-evaluate experience with respect to the Additional
Direct Policies and, as warranted and subject to the other terms and provisions of this Amendment No. 2, shall, to the extent permissible under applicable law and the express terms of the Additional Direct Policies, adjust the Non-Guaranteed
Elements consistent with the Company Guidelines and as necessary or appropriate to reasonably reflect the results of such evaluation. Reinsurance premiums payable to, and benefits payable by, the Reinsurer under this Amendment No. 2
attributable to Additional Direct Policies shall be no less or more (as applicable) than the amounts thereof as would be determined based on consistent application of the Company Guidelines with such changes thereto as may be required under
applicable law and the express terms of such Additional Direct Policies, plus related fees, charges, renewal commission payments, reimbursements and similar amounts. Subject to the Reinsurer’s rights to approve in advance actions with respect
to the ING Assumed Reinsurance Agreement set forth in Section 7 hereof, the covenants set forth in this Section 6 shall apply as well to the Additional Assumed Polices to the extent that the Ceding Company has the right under the ING
Assumed Reinsurance Agreement to cause the adjustment of Non-Guaranteed Elements under such Additional Assumed Policies. 
 7.
ING Assumed Reinsurance Agreement. 
 (a) The Ceding Company represents and warrants that a true, correct and complete copy of
the ING Assumed Reinsurance Agreement has been provided to the Reinsurer in connection with the Reinsurer’s assessment of this reinsurance and that such agreement is in full force and effect and is enforceable against the Ceding Company, and to
the Ceding Company’s knowledge, against SLD, in accordance with its terms except that (i) such enforcement may be subject to applicable bankruptcy, insolvency or other similar laws, now or hereafter in effect, affecting creditors’
rights generally and (ii) the remedy of specific performance and injunctive and other forms of equitable relief may be subject to equitable defenses and to the discretion of the court before which any proceeding therefor may be brought. The
Reinsurer has been provided access to copies of all material correspondence that is in the possession of the Ceding Company concerning the ING Assumed Reinsurance Agreement, including without limitation correspondence with respect to (x) any
review of the Ceding Company’s underwriting, claims or administrative practices or procedures, (y) disputed or contested claims (direct or reinsurance) with respect to the business ceded thereunder, and (z) settlement payments made or
received with respect to the ING Assumed Reinsurance Agreement during the two years preceding the date hereof. 
 (b) As of the date hereof,
except as disclosed to the Reinsurer in writing, there has been no actual or threatened material breach or default by the Ceding Company, or to the knowledge of the Ceding Company, by SLD, under the terms of the ING Assumed Reinsurance Agreement, or
any claim of breach or default made by any party thereto, and, to the Ceding Company’s knowledge, no event has occurred which, with or without notice, the passage of time or both, would constitute a material default by the Ceding Company under
any provision thereof or that would otherwise limit or preclude the payment of further amounts thereunder. 
 (c) Subject to clause
(d) of this Section 7, the Ceding Company agrees that other than as provided expressly in this Amendment No. 2, it shall maintain in full force and effect the ING Assumed Reinsurance Agreement and shall perform fully each of its
obligations thereunder. The Ceding Company shall promptly notify the Reinsurer of any assertion of breach by the Ceding Company of any of its obligations under the ING Assumed Reinsurance Agreement and shall promptly take any such steps as may be
necessary or appropriate thereunder to cure any such breach. 

  
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 (d) The Ceding Company may not modify, amend or terminate the ING Assumed Reinsurance Agreement
or waive any of its rights thereunder without the Reinsurer’s prior written consent and shall fully enforce all of its rights thereunder. At the Reinsurer’s instruction, the Ceding Company shall effect any such action with respect to the
management or administration of the ING Assumed Reinsurance Agreement as the Reinsurer shall reasonably request as may be available under or with respect to the terms of such agreement; provided, however, that the Reinsurer shall indemnify the
Ceding Company as respects its share of any loss and liability arising out of any such action so requested by the Reinsurer. 
 (e) The
Ceding Company agrees that it shall pursue commercially reasonable management and collection efforts with respect to amounts owing under or with respect to the ING Assumed Reinsurance Agreement and, in general, will manage the ING Assumed
Reinsurance Agreement in a manner which provides due care for the economic value reasonably anticipated by the Reinsurer with respect to the reinsurance provided hereby; provided, however, that the Reinsurer shall reimburse the Ceding
Company for all reasonable out of pocket costs with respect thereto and shall have the right to approve in advance incurral of any such reimbursable cost or expense in excess of $15,000. 

(f) The Ceding Company will notify the Reinsurer of any dispute, contest, compromise, litigation or arbitration of any matter involving the
ING Assumed Reinsurance Agreement. Once notified, the Reinsurer may undertake management of such proceeding, at its own cost. 
 (g)
Notwithstanding anything in this Amendment No. 2 to the contrary, including without limitation this Section 7, the Reinsurer agrees and acknowledges that SLD has certain rights of recapture under the ING Assumed Reinsurance Agreement, as
described in Section 12 below. 
 (h) As between the Ceding Company and the Reinsurer, the Reinsurer shall be entitled to all rights
and interests of the Ceding Company with respect to the funds withheld account maintained by SLD pursuant to the ING Assumed Reinsurance Agreement other than the Excluded Balances and any interest accrued thereon, and any such amounts released by
SLD to the Ceding Company from or paid with respect to such funds withheld account as part of any net settlement thereunder, including but not limited to amounts released in connection with any recapture thereunder as described in Section 12
below, shall be paid over to the Reinsurer in connection with the periodic settlements under the Reinsurance Agreement. 
 8. Other
Reinsurance. Unless specifically noted otherwise in this Amendment No. 2, the definition in the Reinsurance Agreement of “Other Reinsurance” shall, from and after the Second Amendment Effective Date, be revised to add
reinsurance ceded with respect to the Second Amendment Additional Policies under the terms of the ceded reinsurance agreements specified on Annex A-2 hereto; provided, that the parties acknowledge and agree that there are no Net
Retained Liabilities associated with the Second Amendment Additional Policies . For purposes of clarity, any cession to Old Mutual Reassurance (Ireland) Limited (“OM Re”) or Raven Re shall not constitute Other Reinsurance with
respect to the Second Amendment Additional Policies and the Reinsurer undertakes and assumes no risks as respects the collectability of any amounts due from OM Re or Raven Re, as the case may be, or any other affiliate or former affiliate of the
Ceding Company. The Ceding Company agrees and acknowledges that, pursuant to Section 11.4 of the Reinsurance Agreement, the Ceding Company shall notify the Reinsurer of any dispute, contest, compromise, litigation or arbitration of any matter
involving Other Reinsurance, and that once notified, the Reinsurer may undertake management of such proceeding. In the event the Reinsurer undertakes management of any such proceeding, the Ceding Company agrees to cooperate with the Reinsurer in all
reasonable respects in the Reinsurer’s efforts to obtain full economic performance of the Other Reinsurance. 

  
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 9. Rights to Certain Information Prior to Second Amendment Closing Date. During any
period from and following the date hereof until the Second Amendment Closing Date, with respect to the Second Amendment Additional Policies, the Reinsurer shall be entitled to receive the information, reporting and access to records otherwise
provided with respect to Reinsured Policies under the terms of the Reinsurance Agreement, including, without limitation, the provisions of Section 11.5 and Exhibit E thereof, all subject to the non-disclosure obligations set forth in
Section 18 thereof. 
 10. Certain Reporting and Policy Administration Matters After Second Amendment Closing Date.

 (a) The parties acknowledge and agree that substantial new periodic reporting mechanisms may be required to address the proper and
timely management and administration of the reinsurance provided under this Amendment No. 2. More specifically, the parties acknowledge and agree that new monthly and quarterly reporting and analysis mechanisms and electronic interfaces will be
created by the parties with respect to business ceded under the terms of the ING Assumed Reinsurance and, with particularity, as respects such business on and after the Experience Refund Commencement Date and as to the identification and funding of
any Excluded Balances thereunder. The parties will use their respective commercially reasonable efforts to timely complete these additional reporting and analysis arrangements with the objective of full operational implementation within 180 days of
the Second Amendment Closing Date and, further, shall promptly after the Second Amendment Closing Date implement reasonable interim reporting and information access measures pending such completion. Subject to the foregoing, the parties acknowledge
the continuing effectiveness of the provisions of Exhibit E to the Reinsurance Agreement (Self-Administered Reporting) with respect to the Second Amendment Additional Policies. The expenses of the parties’ fulfillment of their obligations under
this Section 10(a) will be shared equally between the parties. 
 (b) Without limitation of the foregoing, to the extent legally
permissible, in order to enable the Reinsurer to comply with requirements applicable now or in the future to the Reinsurer with respect to maintaining, documenting, assessing and reporting of its internal controls over financial reporting (including
administrative services, investment management, information technology and related processes), the Reinsurer shall have reasonable access to audit opinions and internal control and internal audit reports, including, where applicable, Statement on
Auditing Standards (SAS) No. 70 reports (if produced), and reports produced by third-parties and others involved in the administration of the Second Amendment Additional Policies, in each case, only to the extent such opinions and reports
relate directly to the Second Amendment Additional Policies, and shall be given reasonable access to auditors, Ceding Company personnel and third-party administrators relative thereto. The Reinsurer shall bear any third-party out-of-pocket
incremental costs resulting from such access. The parties acknowledge and agree that subject to Section 11.5 of the Reinsurance Agreement, the Reinsurer shall have access to the periodic operating reports provided by the Ceding
Company’s third party administrators and other service agents with respect to the Second Amendment Additional Policies, in each case, only to the extent such opinions and reports relate directly to the Second Amendment Additional Policies.
Notwithstanding the foregoing, nothing contained herein shall require the Ceding Company, or any of its auditors, third party administrators, other service agents or representatives to disclose any information to the Reinsurer, or to take any other
action that would (i) cause a violation of any contract to which the Ceding Company is a party, (ii) cause a risk of loss of legal privilege, or (iii) would constitute a violation of applicable law or obligations to policyholders;
provided, however, that the Ceding Company shall use its commercially reasonable efforts to obtain any consents from third parties in order to provide such information to the Reinsurer without violating any contractual obligations. Any
access provided hereunder shall be during normal business hours, subject to 

  
 9 

 
reasonable prior notice and shall not unreasonably interfere with the business or operations of the Ceding Company. For the avoidance of doubt, any information disclosed herein shall be subject
to the non-disclosure obligations set forth in Section 18 of the Reinsurance Agreement. 
 (c) The parties agree that at the
Reinsurer’s reasonable request appropriate representatives of the Ceding Company and the Reinsurer and their respective representatives shall confer periodically to assess any material concerns of the Reinsurer with respect to the
administration of the Second Amendment Additional Policies or the Other Reinsurance related thereto. 
 11. Certain Other
Representations and Warranties.  
 (a) Subject to Section 8 and Section 2 hereof, as of each of the date hereof and the
Second Amendment Closing Date, the Ceding Company hereby repeats and affirms the representations and warranties set forth in (i) the second paragraph of Section 2.4 of the Reinsurance Agreement beginning with the phrase “[t]he Ceding
Company represents and warrants” and (ii) Section 11.4 of the Reinsurance Agreement (other than the second paragraph Section 11.4 thereof as respects solely the inception of this reinsurance) with respect to Other Reinsurance
applicable to the Second Amendment Additional Policies. Notwithstanding the foregoing, and for the sake of clarity, the Reinsurer assumes the risk that reinsurance under the Other Reinsurance with respect to the Second Amendment
Additional Policies is not collected. 
 (b) As of each of the date hereof and the Second Amendment Closing Date, the Ceding Company hereby
repeats and affirms the representations and warranties set forth in (i) as respects solely the Additional Direct Policies, Section 11.6 and Section 11.9 of the Reinsurance Agreement, (ii) as respects the Second Amendment
Additional Policies and this reinsurance generally, Section 11.7 (other than the penultimate paragraph thereof) of the Reinsurance Agreement, and (iii) Section 8.1 of the Reinsurance Agreement (other than the last sentence thereof).

 (c) At the time of the issuance of each of the Additional Direct Policies, the Ceding Company had in full force and effect all material
licenses and authorizations necessary for it to properly issue each Additional Direct Policy in accordance with applicable law and the Ceding Company was not at the time of issuance of any of the Additional Direct Policies or at the date hereof or
the Second Amendment Closing Date (as applicable) operating under any formal or informal agreement or understanding with any Governmental or Regulatory Authority (as such term is defined in the Commitment Agreement) restricting its authority to do
business or requiring the Ceding Company to take, or refrain from taking, any action inconsistent with the lawful issuance of the Additional Direct Policies. 

(d) Except as set forth on Annex F hereto (as such Annex shall be updated prior to the date hereof) to reflect circumstances arising
after the execution of the Commitment Agreement and excluding suits proceeding or arbitrations involving death benefits arising prior to the Second Amendment Effective Date, there is no material suit, proceeding or arbitration pending or, to the
best knowledge of the Ceding Company, threatened in writing against or affecting the Ceding Company with respect to the Second Amendment Additional Policies nor is there any material judgment, decree, injunction or order of any governmental entity
or arbitrator outstanding against the Ceding Company with respect thereto. 
 (e) The Ceding Company has furnished to the Reinsurer copies
of the Ceding Company’s (i) Annual Statements as of December 31, 2009 and for the fiscal year then ended as filed with the Maryland Insurance Administration, and (ii) the quarterly statements as of March 31,
2010, June 30, 2010 and September 30, 2010 and for the quarterly periods then ended, as filed with the Maryland Insurance Administration (collectively, the “Amendment Historical Statutory Statements”). The

  
 10 

 
Amendment Historical Statutory Statements (including without limitation the provisions made therein for investments and the valuation thereof, reserves, policy and contract claims and statutory
liabilities) have been prepared, in all material respects, in accordance with statutory accounting principles (except as may be reflected in the notes thereto and subject, with respect to the quarterly statements, to the absence of notes required by
statutory accounting principles and to normal year-end adjustments), were in all material respects, in compliance with applicable requirements of law and regulation when filed and present fairly in all material respects the financial condition of
the Ceding Company covered thereby as of the respective dates thereof and the results of operations, changes in capital and surplus and cash flows of the Ceding Company for the periods then ended. The Ceding Company makes no representations or
warranties, express or implied, as to the future experience or profitability arising from the Second Amendment Additional Policies. 
 12.
Recapture of Additional Assumed Policies. In the event of a direct or indirect recapture of risks ceded under the terms of the ING Assumed Reinsurance Agreement, a final settlement of amounts due between the parties hereto with respect
to the recaptured Additional Assumed Policies for coverage in effect up to the effective time of such recapture will be determined by the Ceding Company and reported to the Reinsurer, which calculation will include amounts paid or payable from the
Ceding Company to SLD under the terms of the ING Assumed Reinsurance Agreement as part of any final settlement thereunder to the extent attributable to losses covered hereunder, and related amounts received from SLD as part of any final settlement
thereunder (including without limitation any assets released to the Ceding Company from the funds withheld account maintained by SLD pursuant to the ING Assumed Reinsurance Agreement as part of such net settlement, other than the Excluded Balances
and any interest accrued thereon). The parties shall work in good faith to determine the amount and timing of the final settlement amount payment hereunder; failing such agreement the parties shall submit any dispute to the resolution procedures set
forth in Article 16 of the Reinsurance Agreement. 
 13. Additional Amendments. The parties agree that the Reinsurance
Agreement shall be further amended as follows: 
 (a) Clause (c) of Section 2.3 of the Reinsurance Agreement shall be amended to
add the phrase “non-discretionary” before the phrase “group life,” as respects all Reinsured Policies. 
 (b) The first
sentence of Section 7.1 of the Reinsurance Agreement shall be deleted in its entirety and replaced with the following: “Claims covered under this Agreement include contractual death claims, which are those due to the death of the insured
on a Reinsured Policy, surrender benefits, policy loan and dividend obligations under the universal life and whole life insurance policies included in the Additional Direct Policies, in each case and any additional benefits specified hereby which
are provided by the underlying policy and are reinsured under this Agreement.” 
 14. Continuing Allowances for Additional Direct
Policies. With respect to the Additional Direct Policies, in lieu of the continuing ceding and expenses allowances set forth in Exhibit C-8 of the Reinsurance Agreement, for each calendar quarter commencing on or after the Second Amendment
Effective Date and prior to any termination of the reinsurance hereunder in accordance with the terms hereof and the terms of the Reinsurance Agreement, the Reinsurer shall pay to the Ceding Company (a) a continuing ceding and expense allowance
determined in accordance with Annex C hereto plus (b) the amounts necessary to pay renewal commissions with respect to the Additional Direct Policies for periods commencing after the Second Amendment Effective Date. 

  
 11 

 15. Continuing Premiums for Additional Assumed Policies. With respect to the
Additional Assumed Policies reinsured hereunder, in lieu of the continuing premium set forth in Exhibit C of the Reinsurance Agreement, the Ceding Company shall pay to the Reinsurer the Second Amendment Quota Share of all amounts actually received
by the Ceding Company from SLD under the Underlying ING Reinsurance Agreement in respect of claims arising on or after the Second Amendment Effective Date under such Additional Assumed Policies. 

16. Experience Refunds. Within one hundred fifty (150) days following the end of each calendar quarter commencing on or
after January 1, 2015 (the “Experience Refund Commencement Date”) (or following such later period as may be reasonably justified if required financial information is then unavailable), the Ceding Company will provide to the
Reinsurer its specification of the amount of any Experience Refund due in respect of the Additional Assumed Policies with respect to such quarter, including therewith a specification of the material supporting computations and copies of related
financial computations. Subject to Section 13.1 of the Reinsurance Agreement, the Reinsurer shall pay to the Ceding Company the amount of any Experience Refund in accordance with the settlement procedures set forth in the Reinsurance Agreement.
For purposes of this Section 16, “Experience Refunds” shall mean the amounts determined in accordance with the provisions of Annex B. 

17. Further Assurances. Each of the parties shall execute such documents and other instruments and perform such further acts as
may be reasonably required to carry out the provisions hereof and the transactions contemplated hereby. Each party shall, on or prior to the Second Amendment Closing Date, use its commercially reasonable efforts to fulfill or obtain the fulfillment
of the conditions precedent to the consummation of the transactions contemplated hereby, including the execution and delivery of any documents, certificates or other instruments that are reasonably required for the consummation of the transactions
contemplated hereby; it being agreed that nothing contained in this sentence shall modify the terms of the indemnification required in order to excuse the failure of a Coinsurance Condition (as such term is defined under the Commitment Agreement)
pursuant to the terms of Section 1(a) of the Commitment Agreement. 
 18. Reinsurance Agreement. Except as expressly
stated herein, the terms of this Amendment No. 2 are subject to all other terms and conditions of the Reinsurance Agreement, all of which remain unchanged and in full force and effect. This Amendment No. 2 does not alter, amend or modify
the Reinsurance Agreement except as expressly set forth herein. 
 19. Multiple Counterparts. This Amendment No. 2 may be
signed in any number of counterparts which taken together shall constitute one and the same instrument. 
 [Balance of page left blank
intentionally] 

  
 12 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment No. 2 as of the date first above
written. 
  

									
	OM FINANCIAL LIFE INSURANCE COMPANY	 		 	WILTON REASSURANCE COMPANY
					
	By:	 	 /s/ LEE LAUNER
	 		 	By:	 	 /s/ MICHAEL GREER

					
	Title:	 	President and Chief Executive Officer	 		 	Title:	 	Senior Vice President

 [Signature page to Amendment No. 2 to Automatic Reinsurance Agreement between OM Financial Life Insurance
Company and Wilton Reassurance Company] 

 ANNEX A 

REINSURED POLICIES; OTHER REINSURANCE 
  

 

			
	SCHEDULE OF PLANS, RIDERS AND BENEFITS	  	A.1

 Subject to the other terms, conditions and limitations of Amendment No. 2, policies issued on plans shown below may
qualify for reinsurance under the terms of Amendment No. 2: 
  

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

	104001	  	Heritage Master	  	SIUAN1	  	3/29/2006	 	-	 	9/13/2006	  		  		  	Wilton
	  	  	SIULF1	  	9/7/2005	 	-	 	3/29/2007	  		  		  	Wilton
	  	  	SIULF2	  	8/3/2007	 	-	 	8/3/2007	  		  		  	Wilton
									
	104011	  	 Other Fully

Underwritten
 UL
	  	720403	  	12/19/1986	 	-	 	11/13/1989	  	OM	  		  	Wilton
	  	  	720404	  	1/13/1987	 	-	 	12/28/1991	  	OM	  		  	Wilton
	  	  	720405	  	2/19/1987	 	-	 	9/15/1987	  	OM	  		  	Wilton
	  	  	720406	  	7/10/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	720407	  	8/4/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	720408	  	9/23/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	721403	  	2/2/1987	 	-	 	5/26/1987	  	OM	  		  	Wilton
	  	  	721404	  	6/15/1987	 	-	 	11/26/1990	  	OM	  		  	Wilton
	  	  	730400	  	7/17/1983	 	-	 	10/28/1988	  		  		  	Wilton
	  	  	730402	  	3/28/1985	 	-	 	8/5/1988	  		  		  	Wilton
	  	  	730410	  	12/20/1985	 	-	 	5/16/1988	  		  		  	Wilton
	  	  	730411	  	9/2/1985	 	-	 	11/1/1992	  		  		  	Wilton
	  	  	730412	  	1/15/1986	 	-	 	10/10/1987	  		  		  	Wilton
	  	  	730413	  	10/22/1985	 	-	 	4/15/1989	  		  		  	Wilton

  

	1 	Excluded Share percentages have been expressed without reflecting the special effects of additional third party reinsurance structured on a combination YRT/coinsurance basis, which effects are not expected to materially
change the Excluded Share percentage shown in this Annex A-1. Products that are subject to YRT as well as coinsurance are identified in the “Product” column in this table. 

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	730414	  	1/1/1986	 	-	 	2/1/1989	  		  		  	Wilton
	  	  	730415	  	3/14/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730415	  	11/14/1988	 	-	 	11/14/1988	  		  		  	Wilton
	  	  	730416	  	5/28/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730417	  	8/21/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730417	  	12/11/1986	 	-	 	7/12/1988	  		  		  	Wilton
	  	  	730418	  	10/20/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730419	  	2/1/1987	 	-	 	2/1/1988	  		  		  	Wilton
	  	  	730420	  	12/28/1988	 	-	 	6/1/1992	  		  		  	Wilton
	  	  	730421	  	10/1/1988	 	-	 	10/1/1992	  		  		  	Wilton
	  	  	730422	  	6/2/1988	 	-	 	8/28/1998	  	OM	  		  	Wilton
	  	  	730426	  	4/1/1986	 	-	 	9/1/2003	  		  		  	Wilton
	  	  	730427	  	3/3/1989	 	-	 	7/1/2004	  		  		  	Wilton
	  	  	730429	  	5/25/1987	 	-	 	7/1/2004	  		  		  	Wilton
	  	  	730430	  	7/12/1989	 	-	 	5/1/2004	  		  		  	Wilton
	  	  	730439	  	5/11/1990	 	-	 	1/22/1999	  	OM	  		  	Wilton
	  	  	730440	  	12/10/1991	 	-	 	8/1/1997	  		  		  	Wilton
	  	  	731400	  	12/22/1984	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	731400	  	2/1/1985	 	-	 	8/4/1987	  		  		  	Wilton
	  	  	731422	  	12/16/1988	 	-	 	6/12/1992	  	OM	  		  	Wilton
	  	  	731439	  	6/26/1991	 	-	 	8/21/1997	  	OM	  		  	Wilton
	  	  	731440	  	7/1/1992	 	-	 	3/24/1997	  		  		  	Wilton
	  	  	732400	  	10/23/1985	 	-	 	12/8/1988	  		  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	732402	  	2/18/1986	 	-	 	8/8/1986	  		  		  	Wilton
	  	  	JFD1	  	9/15/1996	 	-	 	6/11/1999	  		  		  	Wilton
	  	  	JLD1	  	6/10/1996	 	-	 	9/2/1999	  		  		  	Wilton
	  	  	UL10G	  	5/5/1997	 	-	 	12/1/1999	  		  		  	Wilton
	  	  	UL7	  	1/25/1995	 	-	 	6/19/2000	  	OM	  		  	Wilton
	  	  	UL8	  	7/4/1996	 	-	 	6/2/2003	  		  		  	Wilton
	  	  	UL8NJ	  	5/7/1998	 	-	 	4/8/2003	  		  		  	Wilton
	  	  	UL8T	  	6/14/1996	 	-	 	9/13/2003	  		  		  	Wilton
	  	  	UL9G3	  	2/27/1997	 	-	 	4/28/2002	  		  		  	Wilton
	  	  	UL9P3	  	5/9/1997	 	-	 	8/15/1997	  		  		  	Wilton
	  	  	UL9R3	  	12/9/1996	 	-	 	3/8/2004	  		  		  	Wilton
									
	104031	  	Secure Master	  	UL10R	  	7/15/1997	 	-	 	2/6/2009	  		  		  	Wilton
									
	105001	  	Income Certain	  	15INCR	  	5/28/2006	 	-	 	8/16/2007	  		  		  	Wilton
	  	  	20INCR	  	6/13/2006	 	-	 	2/12/2007	  		  		  	Wilton
	  	  	25INCR	  	5/17/2006	 	-	 	8/1/2007	  		  		  	Wilton
	  	  	30INCR	  	4/28/2006	 	-	 	3/29/2007	  		  		  	Wilton
									
	105011	  	 Home Certain

Issue months
 2/15/05

through
 3/31/05 include

third party YRT

as well as

coinsurance
	  	10MLE	  	10/18/2000	 	-	 	11/20/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	10MLT	  	12/13/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15MDT	  	6/10/1999	 	-	 	8/31/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	15MDTR	  	5/28/2000	 	-	 	6/17/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	15MLE	  	8/28/2000	 	-	 	12/23/2008	  	OM	  	10%	  	Raven & Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	15MLER	  	7/13/2000	 	-	 	12/8/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	15MLT	  	10/28/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	15MLTR	  	8/9/1999	 	-	 	12/17/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MDT	  	12/4/1999	 	-	 	9/11/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20MDTR	  	6/14/1999	 	-	 	8/8/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLE	  	9/28/2001	 	-	 	12/22/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLER	  	9/8/2000	 	-	 	11/7/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLT	  	10/7/1999	 	-	 	12/8/2008	  	OM	  	10%	  	Raven & Wilton
		  		  	20MLTR	  	6/10/1999	 	-	 	8/6/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MDT	  	1/12/2005	 	-	 	8/10/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MDTR	  	1/23/2001	 	-	 	8/2/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLE	  	5/1/2001	 	-	 	5/16/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLER	  	10/19/2000	 	-	 	12/23/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLT	  	8/28/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	25MLTR	  	6/15/1999	 	-	 	6/4/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30MDT	  	1/4/2005	 	-	 	5/30/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30MDTR	  	10/24/2000	 	-	 	8/28/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30ML	  	8/5/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLE	  	8/28/2000	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLER	  	6/21/2000	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLR	  	6/16/2000	 	-	 	12/2/2008	  	OM	  	10%	  	Raven & Wilton
									
		  	Your Term	  	10E	  	1/22/2009	 	-	 	5/12/2009	  		  		  	Wilton
	  	  	10T	  	1/21/2009	 	-	 	5/5/2009	  		  		  	Wilton
	  	  	15E	  	1/1/2009	 	-	 	6/3/2009	  		  		  	Wilton
	  	  	15ER	  	5/1/2009	 	-	 	5/1/2009	  		  		  	Wilton
	  	  	15T	  	1/20/2009	 	-	 	5/13/2009	  		  		  	Wilton
	  	  	20E	  	1/12/2009	 	-	 	5/14/2009	  		  		  	Wilton
	  	  	20ER	  	1/26/2009	 	-	 	5/12/2009	  		  		  	Wilton
	  	  	20T	  	2/5/2009	 	-	 	5/7/2009	  		  		  	Wilton
	  	  	20T5R	  	2/16/2009	 	-	 	4/6/2009	  		  		  	Wilton
	  	  	20TR	  	2/4/2009	 	-	 	2/4/2009	  		  		  	Wilton
	  	  	25E	  	1/19/2009	 	-	 	5/5/2009	  		  		  	Wilton
	  	  	25ER	  	1/22/2009	 	-	 	1/30/2009	  		  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	25T	  	2/2/2009	 	-	 	2/2/2009	  		  		  	Wilton
	  	  	30E	  	1/26/2009	 	-	 	5/19/2009	  		  		  	Wilton
	  	  	30E5R	  	2/19/2009	 	-	 	4/2/2009	  		  		  	Wilton
	  	  	30ER	  	1/14/2009	 	-	 	6/4/2009	  		  		  	Wilton
	  	  	30T	  	1/29/2009	 	-	 	5/18/2009	  		  		  	Wilton
	  	  	30T5R	  	2/16/2009	 	-	 	2/16/2009	  		  		  	Wilton
	  	  	30TR	  	2/20/2009	 	-	 	3/26/2009	  		  		  	Wilton
									
	105021	  	 Other Fully

Underwritten
 Term
	  	026	  	7/19/1973	 	-	 	9/17/1985	  	OM	  		  	Wilton
	  	  	043	  	8/19/1965	 	-	 	7/24/1981	  		  		  	Wilton
	  	  	044	  	12/28/1973	 	-	 	6/27/1988	  		  		  	Wilton
	  	  	045	  	11/20/1964	 	-	 	3/8/1988	  		  		  	Wilton
	  	  	053	  	9/19/1977	 	-	 	3/17/1981	  		  		  	Wilton
	  	  	054	  	10/8/1976	 	-	 	10/13/1980	  		  		  	Wilton
	  	  	055	  	7/28/1970	 	-	 	8/17/1976	  		  		  	Wilton
	  	  	058	  	5/19/1974	 	-	 	1/9/1995	  	OM	  		  	Wilton
	  	  	059	  	6/2/1988	 	-	 	1/9/1995	  	OM	  		  	Wilton
	  	  	074	  	6/15/1976	 	-	 	5/18/1977	  		  		  	Wilton
	  	  	100	  	7/11/2001	 	-	 	7/8/2003	  		  		  	Wilton
	  	  	100WA	  	8/2/2001	 	-	 	8/2/2001	  		  		  	Wilton
	  	  	101	  	7/22/2001	 	-	 	1/24/2004	  		  		  	Wilton
	  	  	101A	  	11/1/2001	 	-	 	1/24/2004	  		  		  	Wilton
	  	  	101AOR	  	9/12/2001	 	-	 	12/9/2003	  		  		  	Wilton
	  	  	101AWA	  	6/26/2001	 	-	 	6/26/2001	  		  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	101OR	  	9/12/2001	 	-	 	12/9/2003	  		  		  	Wilton
	  	  	101WA	  	6/26/2001	 	-	 	8/2/2001	  		  		  	Wilton
	  	  	102	  	11/12/2001	 	-	 	9/29/2003	  		  		  	Wilton
	  	  	102A	  	2/28/2002	 	-	 	7/24/2003	  		  		  	Wilton
	  	  	102OR	  	3/1/2002	 	-	 	4/29/2003	  		  		  	Wilton
	  	  	103	  	1/22/2002	 	-	 	9/8/2003	  		  		  	Wilton
	  	  	103OR	  	11/7/2002	 	-	 	11/7/2002	  		  		  	Wilton
	  	  	104	  	5/31/2002	 	-	 	12/9/2002	  		  		  	Wilton
	  	  	248	  	7/3/1985	 	-	 	5/17/1988	  		  		  	Wilton
	  	  	249	  	9/9/1982	 	-	 	7/1/1987	  		  		  	Wilton
	  	  	251	  	3/25/1983	 	-	 	3/25/1983	  		  		  	Wilton
	  	  	252	  	4/9/1984	 	-	 	5/5/1988	  		  		  	Wilton
	  	  	253	  	6/25/1985	 	-	 	1/9/1989	  		  		  	Wilton
	  	  	254	  	4/28/1981	 	-	 	6/9/1988	  		  		  	Wilton
	  	  	255	  	7/13/1980	 	-	 	1/10/1986	  		  		  	Wilton
	  	  	275	  	11/26/1980	 	-	 	7/28/1985	  		  		  	Wilton
	  	  	280	  	12/5/1990	 	-	 	7/17/1992	  		  		  	Wilton
	  	  	281	  	12/7/1990	 	-	 	9/25/1992	  		  		  	Wilton
	  	  	282	  	2/1/1991	 	-	 	10/14/1992	  		  		  	Wilton
	  	  	283	  	9/25/1990	 	-	 	2/17/1993	  		  		  	Wilton
	  	  	351	  	4/21/1983	 	-	 	3/7/1988	  		  		  	Wilton
	  	  	355	  	9/6/1977	 	-	 	5/19/1980	  		  		  	Wilton
	  	  	374	  	9/7/1977	 	-	 	1/28/1980	  		  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	375	  	9/13/1978	 	-	 	4/2/1980	  		  		  	Wilton
	  	  	376	  	2/13/1979	 	-	 	11/19/1985	  		  		  	Wilton
	  	  	380	  	10/7/1985	 	-	 	5/8/1997	  		  		  	Wilton
	  	  	382	  	8/23/1985	 	-	 	8/1/1997	  		  		  	Wilton
									
	105031	  	Patriot Select	  	15PSL	  	6/8/2003	 	-	 	10/13/2005	  		  		  	Wilton
	  	  	15PSLR	  	9/5/2003	 	-	 	11/2/2005	  		  		  	Wilton
	  	  	20PSL	  	6/15/2003	 	-	 	1/24/2006	  		  		  	Wilton
	  	  	20PSLR	  	5/10/2003	 	-	 	11/16/2005	  		  		  	Wilton
	  	  	30PSL	  	6/6/2003	 	-	 	11/15/2005	  		  		  	Wilton
	  	  	30PSLR	  	7/21/2003	 	-	 	10/18/2005	  		  		  	Wilton
									
	105041	  	 Other Simplified

Issue Whole Life
	  	WLG	  	10/13/1999	 	-	 	12/28/1999	  	OM	  		  	Wilton
	  	  	WLG	  	1/11/2000	 	-	 	11/4/2002	  	OM	  		  	Wilton
	  	  	WLGF	  	11/19/1999	 	-	 	11/19/1999	  	OM	  		  	Wilton
	  	  	WLGF	  	2/22/2000	 	-	 	10/9/2002	  	OM	  		  	Wilton
	  	  	WLL	  	3/1/1989	 	-	 	12/28/1999	  	OM	  		  	Wilton
	  	  	WLL	  	1/13/2000	 	-	 	1/14/2003	  	OM	  		  	Wilton
									
	105051	  	 Savers Select

Limited
 Guarantee

plans (plans

ending in E or

ER) for all issue

years include

third party YRT
 as well
as
 coinsurance
	  	15SSE	  	3/27/2001	 	-	 	1/15/2009	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSER	  	5/10/2001	 	-	 	9/8/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSX	  	4/2/2001	 	-	 	10/19/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSXR	  	4/17/2001	 	-	 	6/14/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSE	  	2/15/2001	 	-	 	1/15/2009	  	OM	  	10%	  	Raven & Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	20SSER	  	6/28/2001	 	-	 	2/17/2009	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSX	  	3/6/2001	 	-	 	3/10/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSXR	  	2/21/2001	 	-	 	7/26/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSE	  	3/20/2001	 	-	 	12/19/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSER	  	3/12/2001	 	-	 	2/4/2009	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSX	  	2/14/2001	 	-	 	7/10/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSXR	  	3/15/2001	 	-	 	12/18/2007	  	OM	  	10%	  	Raven & Wilton
									
	105061	  	Term Trends	  	01RTM	  	2/4/1997	 	-	 	7/25/1997	  	OM	  		  	Wilton
		  	  	01RTSA	  	1/6/2000	 	-	 	7/21/2000	  	OM	  	10%	  	Raven & Wilton
		  	  	05RTG	  	12/16/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  	  	05RTG	  	2/18/2000	 	-	 	12/8/2005	  	OM	  	10%	  	Raven & Wilton
		  	  	05RTP	  	6/4/1997	 	-	 	6/4/1997	  	OM	  		  	Wilton
		  	  	05RTR	  	4/15/1997	 	-	 	11/3/1999	  	OM	  		  	Wilton
		  	  	05RTRJ	  	10/16/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  	  	05RTRJ	  	3/25/2000	 	-	 	9/26/2005	  	OM	  	10%	  	Raven & Wilton
		  	  	10RTG	  	3/3/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	10RTG	  	2/20/2000	 	-	 	11/15/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	10RTM	  	11/22/1996	 	-	 	3/3/1997	  	OM	  		  	Wilton
		  		  	10RTP	  	2/25/1997	 	-	 	9/16/1997	  	OM	  		  	Wilton
		  		  	10RTR	  	4/14/1997	 	-	 	12/16/1999	  	OM	  		  	Wilton
		  		  	10RTR	  	1/6/2000	 	-	 	6/18/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	10RTRJ	  	4/2/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	10RTRJ	  	2/18/2000	 	-	 	10/10/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTG	  	3/10/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTG	  	1/12/2000	 	-	 	12/19/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTM	  	10/7/1996	 	-	 	4/2/1997	  	OM	  		  	Wilton
		  		  	15RTP	  	2/8/1997	 	-	 	8/28/1997	  	OM	  		  	Wilton
		  		  	15RTR	  	2/13/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTR	  	3/14/2000	 	-	 	11/5/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTRJ	  	3/11/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTRJ	  	2/4/2000	 	-	 	10/10/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15SST	  	4/16/1997	 	-	 	8/1/1997	  	OM	  		  	Wilton
		  		  	20RTG	  	3/4/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTG	  	1/5/2000	 	-	 	11/16/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	20RTM	  	11/13/1996	 	-	 	4/10/1997	  	OM	  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	20RTP	  	1/28/1997	 	-	 	1/26/1998	  	OM	  		  	Wilton
		  		  	20RTR	  	1/27/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTRJ	  	3/11/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTRJ	  	2/18/2000	 	-	 	9/17/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	20SST	  	5/2/1997	 	-	 	6/27/1997	  	OM	  		  	Wilton
		  		  	30ACA	  	5/9/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  		  		 		 		  		  		  	
		  		  	30ACA	  	3/27/2000	 	-	 	5/20/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	30ACB	  	6/3/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	30ACB	  	2/25/2000	 	-	 	3/5/2001	  	OM	  	10%	  	Raven & Wilton
		  		  	30RTM	  	12/23/1996	 	-	 	9/2/1998	  	OM	  		  	Wilton
									
	105071	  	Value Select	  	15VS2	  	11/18/2008	 	-	 	12/2/2008	  	OM	  	10%	  	Raven & Wilton
		  		  	15VSL	  	9/15/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	15VSLR	  	10/23/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	20VS2	  	10/24/2008	 	-	 	1/23/2009	  	OM	  	10%	  	Raven & Wilton
		  		  	20VSL	  	8/7/2003	 	-	 	6/7/2007	  		  		  	Wilton
		  		  	20VSLR	  	11/19/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	30VSL	  	12/22/2005	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	30VSLR	  	7/10/2003	 	-	 	2/15/2007	  		  		  	Wilton
									
	105081	  	Whole Life	  	000	  	1/19/1961	 	-	 	2/10/1989	  	OM	  		  	Wilton
		  		  	001	  	6/7/1961	 	-	 	11/4/1985	  	OM	  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	002	  	2/27/1962	 	-	 	1/18/1979	  	OM	  		  	Wilton
	  	  	003	  	2/25/1961	 	-	 	1/24/1986	  	OM	  		  	Wilton
	  	  	004	  	3/26/1964	 	-	 	10/9/1973	  	OM	  		  	Wilton
	  	  	005	  	8/28/1961	 	-	 	6/21/1976	  	OM	  		  	Wilton
	  	  	006	  	2/27/1971	 	-	 	4/8/1980	  	OM	  		  	Wilton
	  	  	007	  	11/3/1965	 	-	 	5/8/1980	  	OM	  		  	Wilton
	  	  	008	  	11/9/1960	 	-	 	12/1/1988	  	OM	  		  	Wilton
	  	  	015	  	1/25/1967	 	-	 	3/16/1977	  	OM	  		  	Wilton
	  	  	027	  	4/1/1964	 	-	 	4/1/1964	  	OM	  		  	Wilton
	  	  	029	  	10/20/1960	 	-	 	3/2/1985	  	OM	  		  	Wilton
	  	  	030	  	3/16/1961	 	-	 	10/22/1980	  	OM	  		  	Wilton
	  	  	031	  	11/28/1960	 	-	 	10/18/1982	  	OM	  		  	Wilton
	  	  	032	  	11/1/1960	 	-	 	9/11/1981	  	OM	  		  	Wilton
	  	  	033	  	9/1/1961	 	-	 	4/24/1981	  	OM	  		  	Wilton
	  	  	036	  	8/25/1961	 	-	 	1/15/1969	  	OM	  		  	Wilton
	  	  	037	  	1/6/1962	 	-	 	5/28/1984	  	OM	  		  	Wilton
	  	  	038	  	9/21/1967	 	-	 	11/15/1985	  	OM	  		  	Wilton
	  	  	039	  	2/23/1966	 	-	 	1/18/1977	  	OM	  		  	Wilton
	  	  	041	  	6/1/1963	 	-	 	7/1/1988	  	OM	  		  	Wilton
	  	  	056	  	9/15/1970	 	-	 	12/4/1985	  	OM	  		  	Wilton
	  	  	057	  	10/14/1970	 	-	 	8/26/1985	  	OM	  		  	Wilton
	  	  	060	  	10/2/1968	 	-	 	10/10/1980	  	OM	  		  	Wilton
	  	  	061	  	12/15/1972	 	-	 	10/1/1984	  	OM	  		  	Wilton

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	066	  	6/21/1969	 	-	 	2/24/1982	  	OM	  		  	Wilton
	  	  	072	  	10/19/1973	 	-	 	9/12/1984	  	OM	  		  	Wilton
	  	  	073	  	12/15/1972	 	-	 	8/3/1983	  	OM	  		  	Wilton
	  	  	200	  	3/1/1973	 	-	 	7/1/1982	  	OM	  		  	Wilton
	  	  	201	  	9/1/1973	 	-	 	8/1/1981	  	OM	  		  	Wilton
	  	  	204	  	7/1/1978	 	-	 	1/1/1983	  	OM	  		  	Wilton
	  	  	208	  	3/10/1974	 	-	 	7/1/1987	  	OM	  		  	Wilton
	  	  	217	  	6/7/1984	 	-	 	5/25/1988	  	OM	  		  	Wilton
	  	  	218	  	5/1/1983	 	-	 	12/18/1989	  	OM	  		  	Wilton
	  	  	300	  	10/1/1980	 	-	 	9/28/1981	  	OM	  		  	Wilton
	  	  	310	  	10/1/1982	 	-	 	1/4/1989	  	OM	  		  	Wilton
	  	  	360	  	6/22/1977	 	-	 	7/10/1981	  	OM	  		  	Wilton
	  	  	361	  	6/23/1981	 	-	 	3/1/1989	  	OM	  		  	Wilton
									
	105091	  	Benefit Certain	  	20MLB	  	4/25/2005	 	-	 	6/21/2007	  		  		  	Wilton
	  	  	30MLB	  	6/3/2005	 	-	 	10/16/2007	  		  		  	Wilton
	  	  	30MLBR	  	4/25/2005	 	-	 	7/27/2007	  		  		  	Wilton

			
	 SCHEDULE OF OTHER REINSURANCE
	  	A.2

  

			
	 Products Covered
	  	 Treaty Identification

		
	Home Certain	  	 Canada Life Assurance Company
  

Eff. – 4/15/2003
  

(per amendment, quota share percentage change effective 1/19/2005)

	  	  
 Household Life Insurance Company

 
 Eff. – 4/1/2005

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 10/1/1999

	  	  
 Security Life of Denver

 
 Eff. – 4/15/2003

	  	  
 Swiss Re

 
 Eff. – 4/1/1999

	  	  
 Wilton Re

 
 Eff. – 4/1/2005, Eff. – 12/31/20072

		
	Savers Select	  	 Canada Life Assurance Company
  

Eff. – 1/19/2005

	  	  
 RGA Reinsurance Company

 
 Eff. – 1/19/2005

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 1/15/2001

	  	  
 Security Life of Denver

 
 Eff. – 7/15/1996, Eff. – 4/15/2003

 
 (two treaties)

	  	  
 Swiss Re

 
 Eff. – 7/1/1983, Eff. – 1/15/2001

 
 (two treaties)

  

	2 	This and other references in this Annex A-2 to the Wilton Re treaty effective 12/31/2007 refer to the Reinsurance Agreement. Coverage under the Reinsurance Agreement shall be deemed to be “Other Reinsurance”
solely with respect to the Second Amendment Additional Policies reinsured under this Amendment No. 2 to the extent any such policies were also covered under the Reinsurance Agreement prior to the date hereof or are covered pursuant to the terms
of any future amendment to the provisions of the Reinsurance Agreement. For the avoidance of doubt, (i) the Reinsurance Agreement shall not otherwise be deemed to be “Other Reinsurance” under the Reinsurance Agreement or under any
amendment thereto (except as otherwise contemplated therein), and (ii) the foregoing shall have no effect on the parties’ rights or entitlements under the terms of the Reinsurance Agreement as effective without consideration to the
effectiveness of this Amendment No. 2. 

			
	 Products Covered
	  	 Treaty Identification

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. – 1/19/2005

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Wilton Re

 
 Eff. – 12/31/2007

	Your Term	  	  
 Swiss Re

 
 Eff. – 12/22/2008

	  	  
 RGA Reinsurance Company

 
 Eff. – 12/22/2008

	  	  
 Gen Re

 
 Eff. – 12/22/2008

	Value Select	  	  
 Canada Life Assurance Company

 
 Eff. – 3/1/2003

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 3/1/2003

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 7/21/2004

	  	  
 RGA Reinsurance Company

 
 Eff. – 7/18/2008

	  	  
 Security Life of Denver

 
 Eff. – 3/1/2003

	  	  
 Wilton Re

 
 Eff. – 12/31/2007

	Term Trends	  	  
 Crown Life Insurance Company

 
 Eff. – 3/1/1998

	  	  
 Life Reassurance Corporation of America

Eff. – 3/1/1998
  

(per amendment, eff. Date was later changed to 6/8/1998)

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 10/1/1999

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Swiss Re

 
 Eff. – 6/8/1998

	  	  
 Security Life of Denver

 
 Eff. – 6/1/1996

			
	 Products Covered
	  	 Treaty Identification

		
	 Term Trends 10 year term,
  

Term Trends 20 year term,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Employers Reassurance Corporation
  

Eff. – 5/1/2001

		
	 Term Trends 10 year term,
  

Term Trends 20 year term,
  

Term Trends 20 year term with 5 year guarantee,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Scottish Re (U.S.), Inc.
  

Eff. – 5/1/2001

		
	 Term Trends 20 year term,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Swiss Re Life and Health America, Inc.

 
 Eff. – 5/1/2001

		
	Patriot Select	  	 Canada Life Assurance Company
  

Eff. – 3/1/2003

	  	  
 Security Life of Denver

 
 Eff. – 3/1/2003

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 3/1/2003

		
	UL 1 – 10	  	 CIGNA
  

Eff. – 7/1/1983

		
	UL 1 – 6, 9 – 10	  	 Swiss Re (treaty number 2564-1)
  

Eff. – 7/1/1983

		
	UL 1 – 5	  	 AUL (treaty number 0274.001)
  

Eff. – 7/1/1983

		
	UL 6	  	 Frankona (treaty number AYN – SA 089)

 
 Eff. – 7/1/1991

		
	UL 9 – 10	  	 American Phoenix (treaty number 2336)

 
 Eff. – 10/1/1996

	  	  
 Crown (treaty number QARYR1-9610)

 
 Eff. – 10/1/1996

	  	  
 ALR/Wilton Re

 
 Eff. – 10/1/1999

		
	Secure Master	  	 Munich (YRT) (treaty number 2903)
  

Eff. – 9/6/2001 – 11/30/05

	  	  
 Swiss Re (YRT) (treaty number 7157-1)

 
 Eff. – 9/6/2001 – 11/30/05

			
	 Products Covered
	  	 Treaty Identification

		
	Other Fully Underwritten Term	  	 CIGNA
  

Eff. – 3/1/1974

	  	  
 AUL

 
 Eff. – 3/1/1977

	  	  
 Swiss Re

 
 Eff. – 8/1/1981

	  	  
 Phoenix

 
 Eff. – 10/1/1986

	  	  
 Lincoln

 
 Eff. – 1/1/1992

	  	  
 Frankona

 
 Eff. – 1/1/1992

		
	 UL 5 – 6, 9 – 10
  

Pension UL
  

Single Premium Adjusted Life Plan
	  	 Conn Gen
  

Eff. – 1/1/1991

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
 ANNEX B

 EXPERIENCE REFUND 

Section B-1. Experience Account. 

(a) A notional experience account (the “Experience Account”) shall be created by the Reinsurer as of the Experience
Refund Commencement Date and shall be maintained until all obligations of the Reinsurer in respect of the Additional Assumed Policies under the Reinsurance Agreement have been satisfied or discharged in full. As of the Experience Refund Commencement
Date, the balance of the Experience Account (the “Experience Account Balance”) shall be zero. 
 (b) The Experience
Account Balance as of any date shall be an amount calculated in accordance with Section B-2 hereof. 
 (c) With respect to each calendar
quarter during the term of the Reinsurance Agreement which commences on or after the Experience Refund Commencement Date, and so long as Additional Assumed Policies are in force and reinsured by the Reinsurer under the Reinsurance Agreement, the
Reinsurer shall pay to the Ceding Company the positive Experience Account Balance as of the end of such calendar quarter, if any (each such payment, an “Experience Refund”). The Experience Refund payable to the Ceding Company
with respect to any period shall not exceed the Experience Account Balance as of the last day of such period, and no Experience Refund shall be payable to the Ceding Company if the Experience Account Balance as of the last day of such period shall
be less than zero. 
 Section B-2. Experience Account Balance. The Experience Account Balance as of the end of any subject
calendar quarter shall be determined as: 
 Experience Account Balance (ending prior period before payment of Experience Refund paid in
current period with respect to such prior period) less 
 A. Experience Refund paid in the current period (for the prior period); plus 

B. Continuing premiums paid or payable to the Reinsurer for the current period under Section 15 of Amendment No. 2 in respect of
Additional Assumed Policies; plus 
 C. Investment Income; less 

D. Benefits and continuing allowances paid or payable to the Ceding Company pursuant to Article 7 of the Reinsurance Agreement and
Section 14 of Amendment No. 2 for the current period, each in respect of Additional Assumed Policies; less 
 E. Increase in YRT
Reserve (as such term is used in the ING Assumed Reinsurance Agreement) in respect of Additional Assumed Policies, if any, for the current period; plus 

F. Decrease in YRT Reserve (as such term is used in the ING Assumed Reinsurance Agreement) in respect of Additional Assumed Policies, if any,
for the current period; less 
 G. Premium, excise or other taxes reimbursed or reimbursable by the Reinsurer for the current period with
respect to the Additional Assumed Policies; less 
 H. Risk Charge 

where “Risk Charge” for each accounting period within the current period equals [***]% times the any positive balance of
(B+C-D-E+F-G) determined with respect to such period. For purposes of item C above, “Investment Income” shall mean, as to any applicable period, Investment Income as determined pursuant to Section 12 of the ING Assumed
Reinsurance Agreement with respect to such period. 

 Upon any recapture in accordance with Section 12 of Amendment No. 2 hereof, the Experience
Account Balance will be reduced by the amount of related payments to the Ceding Company. 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

ANNEX C 
 CONTINUING
CEDING ALLOWANCE 
  

					
	 OM Life – Camden

	 Continuing Ceding Allowances (per policy per year)

	 Universal Life
	  	 Equity Index
Universal Life
	 	 Term Life

	$[***]	  	$[***]	 	$[***]

 The amount to be paid by the Reinsurer as a continuing policy allowance pursuant to Section 14(a) for any
full quarterly period shall be equal to the sum of (a) the sum of the products, for each type of policy, of (i) the Second Amendment Quota Share, times (ii) one-quarter of applicable per policy, per year charge as reflected in the
table above times (iii) the average number of Additional Direct Policies of the applicable type in force during the applicable quarterly period, plus (b) [***]% of direct ceded premiums applicable to such period; provided, that the
amount in item (a)(ii) above shall be increased annually, commencing in calendar year 2012, by application of a 2% per annum inflation factor, compounded annually. For the avoidance of doubt, to the extent there is any overlap between the
Additional Direct Policies to be reinsured hereunder and the Third Amendment Additional Policies to be reinsured under any of the other Proposed Amendments (as such term is defined in the Commitment Agreement), the continuing ceding allowance
payable with respect to any such policy shall be payable under this Amendment No. 2 and not under any other Proposed Amendment. 

 ANNEX D 

SCHEDULE OF ASSETS 

Amounts as of February 28, 2011 
  

																													
	 Portfolio
	 	  	CUSIP	 	  	 Issuer
	  	Par Value
($)	 	  	Book Value
($)	 	  	Accrued
Interest ($)	 	  	Market
Value ($)	 	  	Maturity
Date	 
	 	903	  	  	 	00184AAF2	  	  	AOL Time Warner	  	 	893,000	  	  	 	914,696	  	  	 	20,465	  	  	 	950,617	  	  	 	5/1/2012	  
	 	904	  	  	 	037735BZ9	  	  	Appalachian Power Co	  	 	2,000,000	  	  	 	1,996,333	  	  	 	35,039	  	  	 	2,012,080	  	  	 	5/15/2033	  
	 	904	  	  	 	037735CG0	  	  	Appalachian Power Co	  	 	5,000,000	  	  	 	5,129,296	  	  	 	132,813	  	  	 	5,274,750	  	  	 	4/1/2036	  
	 	903	  	  	 	172070CN2	  	  	Cincinnati Gas & Electric	  	 	500,000	  	  	 	499,964	  	  	 	13,142	  	  	 	534,969	  	  	 	9/15/2012	  
	 	904	  	  	 	17248RAJ5	  	  	Cingular Wireless	  	 	10,000,000	  	  	 	11,551,302	  	  	 	150,417	  	  	 	11,857,900	  	  	 	12/15/2031	  
	 	903	  	  	 	202795HE3	  	  	Commonwealth Edison	  	 	5,000,000	  	  	 	5,014,614	  	  	 	141,792	  	  	 	5,267,340	  	  	 	3/15/2012	  
	 	903	  	  	 	233331AE7	  	  	DTE Energy Company	  	 	5,000,000	  	  	 	5,013,251	  	  	 	88,125	  	  	 	5,074,325	  	  	 	6/1/2011	  
	 	904	  	  	 	237194AE5	  	  	Darden Restaurants	  	 	8,000,000	  	  	 	7,642,211	  	  	 	21,333	  	  	 	7,780,000	  	  	 	8/15/2035	  
	 	903	  	  	 	257469AF3	  	  	Dominion Resources	  	 	5,000,000	  	  	 	5,159,214	  	  	 	129,833	  	  	 	5,346,960	  	  	 	9/17/2012	  
	 	904	  	  	 	30239XAD9	  	  	FBG Finance LTD	  	 	15,000,000	  	  	 	14,896,407	  	  	 	186,042	  	  	 	14,760,270	  	  	 	6/15/2035	  
	 	903	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	10,780,000	  	  	 	10,856,820	  	  	 	101,811	  	  	 	11,032,403	  	  	 	9/21/2012	  
	 	904	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	3,220,000	  	  	 	3,242,946	  	  	 	30,411	  	  	 	3,295,393	  	  	 	9/21/2012	  
	 	907	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	5,152,000	  	  	 	5,188,500	  	  	 	48,658	  	  	 	5,272,629	  	  	 	9/21/2012	  
	 	907	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	17,248,000	  	  	 	17,370,196	  	  	 	162,898	  	  	 	17,651,845	  	  	 	9/21/2012	  
	 	903	  	  	 	337738AF5	  	  	Fiserv Inc	  	 	10,000,000	  	  	 	9,998,222	  	  	 	171,840	  	  	 	10,755,070	  	  	 	11/20/2012	  
	 	903	  	  	 	42307TAF5	  	  	HJ Heinz Finance	  	 	10,800,000	  	  	 	11,162,340	  	  	 	298,800	  	  	 	11,358,619	  	  	 	3/15/2012	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	5,000,000	  	  	 	5,054,986	  	  	 	133,698	  	  	 	5,047,025	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	1,000,000	  	  	 	999,127	  	  	 	26,740	  	  	 	1,009,405	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	6,000,000	  	  	 	5,994,763	  	  	 	160,438	  	  	 	6,056,430	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	1,000,000	  	  	 	999,127	  	  	 	26,740	  	  	 	1,009,405	  	  	 	9/30/2036	  
	 	903	  	  	 	50075NAH7	  	  	Kraft Foods Inc	  	 	893,000	  	  	 	915,532	  	  	 	13,953	  	  	 	949,036	  	  	 	6/1/2012	  
	 	904	  	  	 	63534PAH0	  	  	National City Bank	  	 	4,575,000	  	  	 	4,172,152	  	  	 	7,189	  	  	 	4,133,883	  	  	 	6/7/2017	  
	 	901	  	  	 	652478BB3	  	  	News American Holdings	  	 	1,500,000	  	  	 	1,446,592	  	  	 	29,625	  	  	 	1,692,036	  	  	 	12/1/2095	  
	 	904	  	  	 	665772CA5	  	  	Northern States Power Co	  	 	5,000,000	  	  	 	4,991,127	  	  	 	33,542	  	  	 	5,020,220	  	  	 	7/15/2035	  
	 	920	  	  	 	68233DAT4	  	  	Oncor Electric Delivery	  	 	2,500,000	  	  	 	2,814,930	  	  	 	58,333	  	  	 	2,892,940	  	  	 	5/1/2032	  
	 	906	  	  	 	695114BZ0	  	  	Pacificorp	  	 	200,000	  	  	 	199,347	  	  	 	2,217	  	  	 	195,951	  	  	 	6/15/2035	  
	 	906	  	  	 	695114BZ0	  	  	Pacificorp	  	 	50,000	  	  	 	49,837	  	  	 	554	  	  	 	48,988	  	  	 	6/15/2035	  
	 	906	  	  	 	745332BU9	  	  	Puget Sound Energy Inc	  	 	1,000,000	  	  	 	1,000,000	  	  	 	13,708	  	  	 	971,579	  	  	 	6/1/2035	  
	 	906	  	  	 	745332BU9	  	  	Puget Sound Energy Inc	  	 	1,000,000	  	  	 	1,000,000	  	  	 	13,708	  	  	 	971,579	  	  	 	6/1/2035	  
	 	905	  	  	 	74834LAN0	  	  	Quest Diagnostic	  	 	5,000,000	  	  	 	5,394,186	  	  	 	57,917	  	  	 	5,347,255	  	  	 	7/1/2037	  
	 	901	  	  	 	760759AC4	  	  	Republic Services Inc	  	 	4,000,000	  	  	 	3,998,537	  	  	 	12,000	  	  	 	4,093,080	  	  	 	8/15/2011	  
	 	904	  	  	 	773903AC3	  	  	Rockwell Automation Inc	  	 	4,450,000	  	  	 	3,514,756	  	  	 	29,568	  	  	 	3,705,617	  	  	 	1/15/2098	  
	 	904	  	  	 	797440BF0	  	  	San Diego Gas & Electric	  	 	7,000,000	  	  	 	6,992,453	  	  	 	110,269	  	  	 	7,094,710	  	  	 	5/15/2035	  
	 	904	  	  	 	842400FA6	  	  	Southern Cal Ed	  	 	5,000,000	  	  	 	5,017,639	  	  	 	34,181	  	  	 	5,033,645	  	  	 	7/15/2035	  
	 	906	  	  	 	842400FA6	  	  	Southern Cal Ed	  	 	4,000,000	  	  	 	3,998,391	  	  	 	27,344	  	  	 	4,026,916	  	  	 	7/15/2035	  
	 	904	  	  	 	842400FF5	  	  	Southern Cal Ed	  	 	5,000,000	  	  	 	4,883,958	  	  	 	35,458	  	  	 	5,174,540	  	  	 	1/15/2037	  
	 	904	  	  	 	889175BD6	  	  	Toledo Edison Company	  	 	7,750,000	  	  	 	7,810,472	  	  	 	140,340	  	  	 	8,005,983	  	  	 	5/15/2037	  
	 	904	  	  	 	912810FP8	  	  	US Treasury Note	  	 	460,000	  	  	 	486,757	  	  	 	956	  	  	 	528,713	  	  	 	2/15/2031	  
	 	903	  	  	 	9128277L0	  	  	US Treasury Note	  	 	58,000	  	  	 	57,742	  	  	 	109	  	  	 	60,542	  	  	 	2/15/2012	  
	 	903	  	  	 	9128277L0	  	  	US Treasury Note	  	 	150,000	  	  	 	149,332	  	  	 	283	  	  	 	156,574	  	  	 	2/15/2012	  
	 	904	  	  	 	912828AP5	  	  	US Treasury	  	 	150,000	  	  	 	149,617	  	  	 	1,757	  	  	 	158,807	  	  	 	11/15/2012	  
	 	901	  	  	 	912828GK0	  	  	US Treasury	  	 	49,450	  	  	 	49,453	  	  	 	6	  	  	 	51,577	  	  	 	2/29/2012	  
	 	903	  	  	 	912828GK0	  	  	US Treasury	  	 	165,550	  	  	 	165,558	  	  	 	21	  	  	 	172,670	  	  	 	2/29/2012	  
	 	904	  	  	 	912828JG6	  	  	US Treasury	  	 	200,000	  	  	 	202,425	  	  	 	541	  	  	 	212,234	  	  	 	7/31/2013	  

																													
	 Portfolio
	 	  	CUSIP	 	  	 Issuer
	  	Par Value
($)	 	  	Book Value
($)	 	  	Accrued
Interest ($)	 	  	Market
Value ($)	 	  	Maturity
Date	 
	 	904	  	  	 	912828KP4	  	  	US Treasury	  	 	30,000,000	  	  	 	29,970,417	  	  	 	120,787	  	  	 	30,369,150	  	  	 	5/15/2012	  
	 	904	  	  	 	912828KV1	  	  	US Treasury	  	 	1,667,000	  	  	 	1,678,251	  	  	 	9,377	  	  	 	1,717,922	  	  	 	5/31/2014	  
	 	903	  	  	 	912828LM0	  	  	US Treasury	  	 	14,000,000	  	  	 	13,989,089	  	  	 	88,805	  	  	 	14,191,408	  	  	 	9/15/2012	  
	 	903	  	  	 	912828LM0	  	  	US Treasury	  	 	66,000,000	  	  	 	65,944,609	  	  	 	418,653	  	  	 	66,902,352	  	  	 	9/15/2012	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	20,200,000	  	  	 	20,057,116	  	  	 	107,313	  	  	 	20,627,674	  	  	 	11/30/2014	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	11,700,000	  	  	 	11,611,707	  	  	 	62,156	  	  	 	11,947,712	  	  	 	11/30/2014	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	19,800,000	  	  	 	19,657,567	  	  	 	105,188	  	  	 	20,219,206	  	  	 	11/30/2014	  
	 	903	  	  	 	912828NS5	  	  	US Treasury	  	 	15,000,000	  	  	 	15,000,425	  	  	 	15,539	  	  	 	15,049,200	  	  	 	6/30/2012	  
	 	904	  	  	 	912828NS5	  	  	US Treasury	  	 	15,000,000	  	  	 	15,000,425	  	  	 	15,539	  	  	 	15,049,200	  	  	 	6/30/2012	  
	 	903	  	  	 	984121BS1	  	  	Xerox Corp	  	 	8,000,000	  	  	 	7,770,476	  	  	 	129,556	  	  	 	8,404,720	  	  	 	5/15/2012	  

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

ANNEX E 
 Allowance
Adjustment 
 For purposes of the determination of the Adjusted Ceding Allowance as contemplated in Section 3 of Amendment No. 2, the parties
agree that the Second Amendment Ceding Allowance shall be adjusted as follows: 
 i. Decreased for ongoing Net Reinsurance Premiums under
Section 4.2 and 4.3 of the Reinsurance Agreement; 
 ii. Increased for ceded reinsurance benefits under Article 7 of the Reinsurance
Agreement, net of recoveries thereon under the terms of any applicable Other Reinsurance; 
 iii. Increased for continuing allowances under
Section 14 of Amendment No. 2; 
 iv. In lieu of investment income, the Second Amendment Ceding Allowance shall be decreased by an
amount of interest on (x) the statutory reserves held for the Second Amendment Additional Policies as of December 31, 2010 less (y) the $[***] at an annual rate equal to [***]%; and 

v. Increased for any increase in the statutory reserves held for the Second Amendment Additional Policies or decreased for any decrease in
such statutory reserves. 
 The amounts in items (i) through (v) above shall be determined based on the Second Amendment Quota Share of such
amounts for the period between January 1, 2011 and the Second Amendment Effective Date and shall be calculated as if Amendment No. 2 had been effective since January 1, 2011; provided that the amount in item (iv) above shall be
determined for the period between January 1, 2011 and the Second Amendment Closing Date. 
 Notes 

All amounts determined exclusive of Extracontractual Obligations. 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

ANNEX F 
 MATERIAL
LITIGATION3 
  

																									
	 Case
	  	State	  	Attorney	  	Litigation
Type	  	Contract
Type	  	Alleged
Wrongful
Acts	  	Policy
Limits	 	  	Policy
Number	  	Insured	  	Claimant	  	Date
Lawsuit/
Demand
Received	  	Covered by
Amendment
2 or 3
	 [***]
	  	CA	  	[***]	  	Claim	  	Life	  	Dispute over
$300,000 rescinded
policy death benefit	  	$	300,000	  	  	[***]	  	[***]	  	[***]	  	7/2/2010	  	2 and 3
	 [***]
	  	LA	  	[***]	  	Non-Claim	  	Life	  	lawsuit alleges a
failure to properly
notify the
policyholder that his
policy would lapse.	  	$	350,000	  	  	[***]	  	[***]	  	[***]	  	4/16/2010	  	2
	 [***]
	  	MS	  	[***]	  	Claim	  	Life	  	Dispute over
entitlement to death
benefit.	  	$	500,000	  	  	[***]	  	[***]	  	[***]	  	9/12/2008	  	2 and 3
	 [***]
	  	OH	  	[***]	  	Claim -
Disability
Rider	  	Life	  	Improper denial of
disability benefits	  	$	300,000	  	  	[***]	  	[***]	  	[***]	  	10/25/2010	  	2 and 3

  

	3 	Inclusion of policies on this Annex F is without prejudice to the determination of whether such policies are Second Amendment Additional Policies under this Amendment No. 2.EX-10.23

 Exhibit 10.23 

THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A REQUEST FOR
CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
 AMENDED
AND RESTATED AMENDMENT NO. 3 
 TO THE 

AUTOMATIC REINSURANCE AGREEMENT 

EFFECTIVE DECEMBER 31, 2007 

BETWEEN 

FIDELITY & GUARANTY LIFE INSURANCE COMPANY 

AND 
 WILTON REASSURANCE
COMPANY 
 THIS AMENDED AND RESTATED AMENDMENT NO. 3 (this “Amendment No. 3”) is made and entered into as of
September 9, 2011, and amends and is made a part of the Automatic Reinsurance Agreement, originally effective December 31, 2007 (as amended, the “Reinsurance Agreement”), between Fidelity & Guaranty Life Insurance
Company (f/k/a OM Financial Life Insurance Company), a Maryland insurance company (the “Ceding Company”), and Wilton Reassurance Company, a Minnesota insurance company (the “Reinsurer”). This Amendment No. 3
hereby amends and restates Amendment No. 3 to the Reinsurance Agreement dated May 10, 2011 (the “Original Amendment” and May 10, 2011, the “Signing Date”), and supersedes and replaces the Original
Amendment in its entirety. 
 WHEREAS, pursuant to the Reinsurance Agreement, the Ceding Company automatically cedes to the Reinsurer
the Quota Share (as defined in the Reinsurance Agreement) of the Ceding Company’s contractual liabilities arising out of the Reinsured Policies (as defined in the Reinsurance Agreement); 

WHEREAS, Harbinger F&G, LLC (f/k/a Harbinger OM, LLC), a Delaware limited liability company (“Harbinger”) has
acquired (the “Acquisition”) control and 100% ownership of all of the common stock of Fidelity & Guaranty Life Holdings, Inc. (f/k/a Old Mutual U.S. Life Holdings, Inc.), a Delaware corporation and the parent company with
respect to the Ceding Company; 
 WHEREAS, in connection with the completion of the Acquisition, effective January 1, 2011, the
Ceding Company and the Reinsurer amended the terms of the Reinsurance Agreement (“Amendment No. 2”) in order, among other things, to include in the scope of the reinsurance provided thereunder risks and obligations with respect
to the Additional Direct Policies and the Additional Assumed Policies as therein set forth; 
 WHEREAS, pursuant to the terms of the
Commitment Agreement, dated as of January 26, 2011, by and between Harbinger and Wilton Re U.S. Holdings, Inc., a Delaware corporation (the “Commitment Agreement”), the Ceding Company and the Reinsurer desire to amend further
the Reinsurance Agreement in the manner set forth below to, among other things, include in the scope of the reinsurance provided thereunder risks and obligations with respect to certain additional blocks of insurance; and 

WHEREAS, the additional risks to be ceded hereunder that were ceded to Old Mutual Reassurance (Ireland) Limited (“OM
Re”) under the terms of certain coinsurance agreements effective June 30, 2002, December 31, 2002, May 31, 2003 and November 30, 2003 (taken together, the “OM Re Reinsurance Agreements”) were
recaptured in full by the Ceding Company and have been ceded to an 

  
 1 

 
affiliate of the Ceding Company under a reinsurance agreement (the “Raven Re Reinsurance Agreement”) and, pending the occurrence of the Third Amendment Closing Date hereunder,
are to be recaptured in full by the Ceding Company and re-ceded to the Reinsurer pursuant to the terms hereof; 
 NOW, THEREFORE, in
consideration of the covenants, agreements, representations and warranties contained herein and in the Reinsurance Agreement, the parties hereto agree as follows: 

1. Definitions. Capitalized terms used but not defined in this Amendment No. 3 shall have the respective meanings given to
such terms in the Reinsurance Agreement. 
 2. Conditions Precedent; Termination of Commitment. 

(a) Notwithstanding anything set forth in this Amendment No. 3 to the contrary, the reinsurance provided hereunder will not become
effective or valid and binding on either party and the Third Amendment Closing Date shall not occur unless the Third Amendment Conditions Precedent have been satisfied or waived as required under the Commitment Agreement; provided, that
without prejudice to any of its other rights or remedies, each of the Third Amendment Conditions Precedent may be waived in each case solely by the party that is the beneficiary of such Third Amendment Condition Precedent, in whole or in part in
such party’s sole discretion. Any such waiver shall be without prejudice to any other rights of such party. For the purposes of this Amendment No. 3, “Third Amendment Conditions Precedent” means (i) those Coinsurance
Conditions, as such term is defined in the Commitment Agreement, that are conditions precedent to the occurrence of the Third Amendment Closing Date and that pertain to this Amendment No. 3 and (ii) approval by the Vermont Department of
Banking, Insurance, Securities & Health Care Administration of the redemption, on the Third Amendment Closing Date, of the Surplus Note of Raven Reinsurance Company (“Raven Re”) dated April 7, 2011. For the purposes of
this Amendment No. 3, the term “Required Consents” shall be deemed to include the approval referenced in clause (ii) of the immediately preceding sentence. 

(b) The period commencing January 1, 2011 and ending upon the Third Amendment Closing Date is referred to herein as the “Interim
Period.” The Ceding Company agrees to use all commercially reasonable efforts to cause satisfaction of the Third Amendment Conditions Precedent to occur and be continuing and covenants further to take no action (other than actions proposed
or approved in writing in advance by the Reinsurer) as would have a material and adverse effect upon the likelihood of the occurrence of such satisfaction. 

(c) For purposes of this Section 2(c), a “Termination Event” shall be deemed to have occurred in the event that
(i) at the Reinsurer’s or the Ceding Company’s option effective on or after December 1, 2013, if the Third Amendment Closing Date shall have not occurred on or before November 30, 2013; (ii) at the Ceding Company’s
option effective on or after December 1, 2012 (subject to five (5) business days’ advance notice to the Reinsurer), if the Reinsurer shall have failed to perform any of its material obligations hereunder or under the Commitment
Agreement with respect to the occurrence of the Third Amendment Closing Date (including, without limitation, the provision by Reinsurer of a certificate complying with the requirements of Section 1(a)(xii) of the Commitment Agreement) and, as a
result thereof, the Third Amendment Closing Date shall not have occurred on or before November 30, 2012; or (iii) at the Ceding Company’s or the Reinsurer’s option effective on or after December 1, 2012 (subject in each case
to five (5) business days’ advance notice to the other), if (A) the Third Amendment Closing Date shall not have occurred on or before November 30, 2012 as the result of the failure of any Required Consent (as such term is defined
in the Commitment Agreement) for the consummation of the transactions contemplated under this Amendment No. 3 to be obtained or to remain in full force and effect and (B) on and as of November 30, 2012, each of the Third Amendment
Conditions Precedent that 

  
 2 

 
are applicable to the party seeking to terminate this Amendment No. 3 or are otherwise for the benefit of the other party (but excluding any such Third Amendment Conditions Precedent related
to any Required Consents) shall have been satisfied or waived, as the case may be, after consideration of any offers of indemnity or other remedy made by the party seeking to terminate this Amendment No.3; provided, however, that if
the failure of the Third Amendment Closing Date to occur results from the failure of the party seeking to terminate this Amendment No. 3 to perform any of its material obligations hereunder or under the Commitment Agreement with respect to the
procurement of such Required Consents, such party shall not have the option of terminating this Amendment No. 3 pursuant to this clause (iii). Notwithstanding anything to the contrary contained herein, neither the Ceding Company nor the
Reinsurer shall terminate this Amendment No. 3 pursuant to clause (iii) above as a result of the failure of any Required Consent to have been obtained prior to, or remain in full force and effect as of, November 30, 2012, if the
Ceding Company or the Reinsurer, as applicable, receives assurances reasonably satisfactory to it from the applicable regulatory authorities that any such Required Consents will be granted and will be in full force and effect in order to enable the
Third Amendment Closing Date to occur prior to December 31, 2012. Following the occurrence of any Termination Event, the Reinsurer shall have no obligation or right to reinsure, and the Ceding Company shall have no obligation or right to cede,
the Third Amendment Additional Policies pursuant to this Amendment No. 3 and this Amendment No. 3 shall terminate and expire and no party shall have any further liability or obligation hereunder other than as respects Article 18
(Confidentiality) of the Reinsurance Agreement, which provision shall continue to apply as to information provided with respect to the Third Amendment Additional Policies as fully as if the reinsurance hereunder had been completed; provided,
however, that any such termination or expiration shall not (x) release any party as respects any breach thereby of the terms of this Amendment No. 3 as shall have occurred prior to the date of such termination or (y) relieve
such breaching party of liability for such breach. 
 (d) Each party shall promptly notify the other whenever it becomes aware of any
matter, fact or circumstance that creates or may be reasonably expected to create a failure of or indemnification obligation under one or more of the Third Amendment Conditions Precedent and shall cooperate with the other party to permit a
commercially reasonable opportunity for the prompt remedy of any such failure or potential failure, it being the mutual intention of the parties to promote to the greatest extent practicable a certainty of the closing of the additional reinsurance
arrangements contemplated by the parties with respect to this Amendment No. 3 on or before November 30, 2012. 
 (e) The Ceding
Company agrees that, other than as proposed by or approved in writing by the Reinsurer, between the date of this Amendment No. 3 and the Third Amendment Closing Date it shall not, directly or indirectly, take any action (i) as would or
reasonably could be expected to, individually or in aggregate, cause its representations and warranties set forth herein to be untrue in any material respect or (ii) as would, or would reasonably be expected to, individually or in the
aggregate, prevent, materially delay or materially impede the consummation of the reinsurance contemplated hereby. 
 (f) Each party shall
use its commercially reasonable best efforts, and the parties shall cooperate, to secure on a timely basis the Required Consents that are required by applicable law or are otherwise necessary or appropriate to be secured in order to give effect to
the reinsurance contemplated hereunder. In furtherance of the foregoing, the parties shall make all necessary or appropriate regulatory filings and submissions as promptly as practicable after the closing of the Acquisition (but in no event later
than 45 days following such date, unless otherwise agreed by the parties) in order to facilitate the prompt consummation of the transactions contemplated hereby, and shall thereafter continue to support the requests for such approvals diligently and
continuously, providing promptly such information and communications to Governmental or Regulatory Authorities 

  
 3 

 
(as such term is defined in the Commitment Agreement) as such Governmental or Regulatory Authorities may request. The party responsible for any such filings or submissions shall promptly deliver
to the other party evidence of the filing or making of all applications, filings, registrations, notifications, permits, consents, approvals, waivers and authorizations relating thereto, and any supplement, amendment or item of additional
information in connection therewith. Each party shall give to the other party prompt written notice if it receives any notice or other communication from any Governmental or Regulatory Authority in connection with this Amendment No. 3 or the
transactions contemplated hereunder, and in the case of any such notice or communication that is in writing, shall promptly furnish the other party with a copy thereof; provided, however, that in the event any Governmental or
Regulatory Authority requires or requests the Ceding Company to provide, or in the event that any Required Consent involves the Ceding Company providing Harbinger’s Protected Information (as such term is defined in the Commitment Agreement),
the Ceding Company shall have no obligation to provide to the Reinsurer, and the Reinsurer shall have no right to review, such Harbinger’s Protected Information, the Reinsurer shall not seek Harbinger’s Protected Information from any such
Governmental or Regulatory Authority, and in the event any Governmental or Regulatory Authority were to share such information with the Reinsurer, the Reinsurer agrees upon discovering this fact, to cease reading any Harbinger’s Protected
Information, not to disclose such information to any third party, and to return it (otherwise unread) to the Ceding Company. Subject to applicable law, the Ceding Company shall have the right to file Harbinger’s Protected Information separately
from other correspondence, filings or communications, or to redact Harbinger’s Protected Information from such documents prior to sharing them with the Reinsurer. Neither the Ceding Company nor the Reinsurer shall participate in any meeting
with any Governmental or Regulatory Authority relating to any Required Consents applicable to this Amendment No. 3 unless it consults with the other party in advance, and, to the extent permitted by such Governmental or Regulatory Authority,
gives such other party the opportunity to attend and participate in such meeting (other than any such meeting or portion thereof that is devoted to Harbingers’ Protected Information). For purposes of clarity, the parties acknowledge that,
subject to concurrence of the pertinent Governmental or Regulatory Authority and the limitations herein concerning Harbinger’s Protected Information, Wilton Re will be permitted to participate directly and actively in discussions therewith
concerning the Required Consents. 
 3. Third Amendment Additional Policies. Subject to the occurrence of the Third Amendment
Closing Date in accordance with the provisions of Section 4 hereof, effective as of the Third Amendment Closing Date (the “Third Amendment Effective Date”), the Ceding Company will automatically cede to the Reinsurer the Third
Amendment Quota Share (as hereinafter defined) of the Ceding Company’s contractual liabilities arising out of the Third Amendment Additional Policies (as hereinafter defined) net of (x) Hedging Results for periods commencing on or after
the Third Amendment Effective Date and (y) any liabilities ceded to the Reinsurer with respect to the Third Amendment Additional Policies under Amendment No. 2. For purposes of this Amendment No. 3, (a) the term “Third
Amendment Quota Share” means 100%, subject to Section 21(a) hereof and (b) the term “Third Amendment Additional Policies” means term life insurance policies, universal life insurance policies and associated
no-lapse guarantees, all as specified on Annex A-1 hereto and as were first issued by the Ceding Company on or before March 31, 2010 and remained in force and effect as of such date
provided, however, that, subject to Section 13 of Amendment No. 2, the Ceding Company represents and warrants as a condition of coverage of the Third Amendment Additional Policies under the Reinsurance Agreement, that the
representations and warranties set forth in clauses (a) through (c) of Section 2.3 of the Reinsurance Agreement shall apply to the Third Amendment Additional Policies other than the policies set forth on Annex E hereto, except
that (x) the condition set forth in Section B.1 of Exhibit B of the Reinsurance Agreement shall not apply, (y) such representations shall apply as of the Signing Date (and not as of the 

  
 4 

 
Third Amendment Effective Date) and (z) with respect to clause (c)(ii) of Section 2.3 of the Reinsurance Agreement, the phrase “worksite marketing” shall be deleted for
purposes of such representation and warranty as it relates to such Third Amendment Additional Policies. For the sake of clarity, this reinsurance shall not cover claims arising under the Third Amendment Additional Policies prior to the Third
Amendment Effective Date and, as respects the Third Amendment Additional Policies, excludes any return of premium or similar benefits or features, whether embodied in riders or endorsements or otherwise. Beginning on the Third Amendment Effective
Date, all references in the Reinsurance Agreement to Reinsured Policies shall include the Third Amendment Additional Policies except (I) as otherwise set forth in this Amendment No. 3 or as referenced in the first sentence of
Section 2.1 of the Reinsurance Agreement (General Conditions), Section 2.3 of the Reinsurance Agreement (Reinsured Policies) or the last sentence of Section 8.1 of the Reinsurance Agreement (Reserves) and (II) in
respect of the Third Amendment Additional Policies, all references in the Reinsurance Agreement to “Effective Time” and “Closing Date” shall instead refer to “Third Amendment Effective Date.” Notwithstanding anything to
the contrary set forth herein, the Third Amendment Effective Date shall not be deemed to have occurred unless and until the Third Amendment Closing Date shall have occurred in accordance with the provisions of Section 4 hereof. 

4. Third Amendment Closing Settlement Amount. In consideration for the reinsurance contemplated hereunder, on the Third
Amendment Closing Date, the Ceding Company will transfer to the Reinsurer, in accordance with the provisions set forth below in this Section 4, cash and specified cash-equivalent or other securities approved in advance by the Reinsurer with an
aggregate market value, including amounts of due and accrued investment income related thereto (the “Designated Value”), equal to the Third Amendment Quota Share of the following balances, each measured as of the Third Amendment
Effective Date unless otherwise provided: (a) Economic Reserves determined with respect to the Third Amendment Additional Policies in accordance with the provisions of Annex A-3 hereto (excluding reserves for claims in the course of
settlement and claims that have been incurred but not reported for the Third Amendment Additional Policies as of the Third Amendment Effective Date) (“Economic Reserves”), minus (b) any policy loans outstanding on the
Third Amendment Additional Policies, net of any unearned policy loan interest on such loans but including related amounts of interest due and accrued, plus or minus, as the case may be, (c) balances as agreed mutually by the
parties pertaining to Other Reinsurance or Hedges that are not otherwise reflected in items (a) or (b) above as to which risks are ceded hereunder (items (a), (b) and (c) taken together, the “Ceded Reserves”),
plus or minus (d) the amount of any balance of interest maintenance reserves associated with the Third Amendment Additional Policies, determined on a pre-tax basis based on the historic amortized cost basis and including any additional
amounts of interest maintenance reserves required to be established or maintained in connection with the completion of the transactions contemplated by this Amendment No. 3 (“IMR”) (provided, that in the case of existing
IMR, but not in the case of additional IMR required to be established or maintained in connection with the completion of the transactions contemplated by this Amendment No. 3, such amount shall not be less than zero and provided,
further, that in determining any IMR created as a result of the transactions contemplated hereunder, all mark-to-market gains and losses, determined consistent with applicable statutory accounting principles and not previously reflected in
statutory book value, shall be included irrespective of whether such gains and losses are required to be included in IMR pursuant to applicable statutory accounting principles), plus (e) 50% of the absolute value of any collective
negative IMR with respect to the Third Amendment Additional Policies that is required to be established or maintained in connection with the completion of the transactions contemplated by this Amendment No. 3, plus (f) the absolute
value of a negative ceding 

  
 5 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

allowance equal to $[***] (as adjusted pursuant to Section 5(a) hereof, the “Third Amendment Ceding Allowance”) (such aggregate
Designated Value being referred to as the “Third Amendment Closing Settlement Amount”). For the avoidance of doubt, in determining the amount in clause (c) of the Third Amendment Closing Settlement Amount, as well as in
determining Hedging Results for purposes of Section 11 hereof, the parties shall allocate balances with respect to Hedges as may be appropriate (including, without limitation, the pro-ration of costs incurred prior to the Third Amendment
Effective Date but appropriately allocable to periods following the Third Amendment Effective Date) to ensure that Hedges procured before the Third Amendment Effective Date but remaining in effect thereafter produce substantially the same
net economic effect for the Ceding Company and the Reinsurer as if such Hedges had been put in place for the benefit of the Ceding Company up to the Third Amendment Effective Date and for the benefit of the Reinsurer thereafter, with such balances
to be determined in a manner that would reasonably reflect an appropriate allocation of costs and benefits between the parties in light of that arrangement. For purposes of this Amendment No. 3, the term “Third Amendment Closing
Date” means, subject to Section 2(c) hereof, (A) the latest of (x) October 31, 2011 or such earlier date as may be specified by the Ceding Company in a notice delivered to the Reinsurer at least ten (10) business
days prior to such proposed date, (y) the date of completion of the recapture of the Third Amendment Additional Policies from Raven Re and (z) the third business day following satisfaction or waiver of each of the Third Amendment
Conditions Precedent, or (B) such other date as the parties may agree mutually, each in their respective sole discretions. 
 (a)
Provisional Settlement. Subject to Sections 5(d) and 5(e) of the Commitment Agreement, on the Third Amendment Closing Date, the Ceding Company shall transfer to the Reinsurer cash and specified cash-equivalent or other securities approved in
advance by the Reinsurer with an aggregate market value as of the business day immediately preceding the Third Amendment Closing Date, including amounts of due and accrued investment income related thereto, equal to the Third Amendment Closing
Settlement Amount as determined in good faith by the Ceding Company; provided that such amount (including, for the avoidance of doubt, the adjustment of the Third Amendment Ceding Allowance required pursuant to Section 5(a) hereof) shall be
determined as of the last day of the latest calendar quarter for which quarterly statutory basis financial statements of the Ceding Company are available, based on the balances determined from the Ceding Company’s books and records and in
accordance with statutory accounting principles prescribed generally by the State of Maryland consistently applied, as adjusted to the extent required under Section 5(d) of the Commitment Agreement (the “Estimated Settlement
Payment”). For the avoidance of doubt, any securities transferred as required in this paragraph shall be valued as of the business day immediately preceding the Third Amendment Closing Date. The Estimated Settlement Payment shall be subject
to adjustment as described below. The parties agree and acknowledge that the Settlement Notice delivered by the Ceding Company pursuant to Section 5(b) of the Commitment Agreement shall have been prepared as of the last day of the latest
calendar quarter for which quarterly statutory basis financial statements of the Ceding Company are available on the date that such Settlement Notice is delivered by the Ceding Company. 

(b) Post-Closing Settlement. No later than sixty (60) days after the Third Amendment Closing Date, the Ceding Company shall
deliver to the Reinsurer a settlement notice (the “Post-Closing Settlement Notice”), which sets forth the Ceding Company’s good faith estimate of the actual Third 

  
 6 

 
Amendment Closing Settlement Amount as determined in good faith by the Ceding Company as of the Third Amendment Effective Date based on the balances determined from the Ceding Company’s
books and records and in accordance with statutory accounting principles prescribed generally by the State of Maryland consistently applied (the “Actual Third Amendment Closing Settlement Amount”). 

The Post-Closing Settlement Notice shall become final, binding and conclusive upon the Reinsurer and the Ceding Company on the sixtieth (60th) day following the Reinsurer’s receipt of the Post-Closing Settlement Notice, unless prior to such sixtieth (60th) day the
Reinsurer delivers to the Ceding Company a written notice (a “Dispute Notice”) stating that the Reinsurer believes the Post-Closing Settlement Notice is incorrect and specifying in reasonable detail the basis for such assertion
(each item addressed in such Dispute Notice, a “Disputed Item”), the amount in dispute for each Disputed Item and the reasons supporting the Reinsurer’s positions. For the avoidance of doubt, the Reinsurer shall be afforded the
access rights provided under Section 11.5 of the Reinsurance Agreement in connection with its review of the Post-Closing Settlement Notice pursuant to this Section 4(b). 

If the Reinsurer delivers a Dispute Notice, then the Ceding Company and the Reinsurer shall seek in good faith to resolve the Disputed Items during the thirty
(30)-day period beginning on the date the Ceding Company receives the Dispute Notice. If Ceding Company and the Reinsurer reach agreement with respect to any Disputed Items, the Ceding Company shall revise the Post-Closing Settlement Notice to
reflect such agreement. In the event the Ceding Company and the Reinsurer cannot resolve any Disputed Item, the Ceding Company and the Reinsurer shall resolve any such disagreement in accordance with Article 17 (Arbitration) of the Reinsurance
Agreement. 
 Within five (5) business days after the Post-Closing Settlement Notice becomes final pursuant to the provisions of this Section 4,
if (i) the final Actual Third Amendment Closing Settlement Amount exceeds the Estimated Settlement Payment determined pursuant to Section 4(a) hereof, the Ceding Company shall pay to the Reinsurer an amount equal to such excess, and
(ii) if the final Actual Third Amendment Closing Settlement Amount is less than the Estimated Settlement Payment determined pursuant to Section 4(a) hereof, the Reinsurer shall pay to the Ceding Company an amount equal to the shortfall.

 5. Modifying Third Amendment Closing Settlement Amount. 

(a) Insurance and Investment Risks during the Interim Period. The parties intend that upon the occurrence of the Third Amendment
Closing Date, the Third Amendment Ceding Allowance will be adjusted in accordance with the provisions of Annex D-1 hereto. 
 (b)
Reserved. 
 6. Continuing Allowances. Pursuant to Section 21(b) hereof, with respect to the Reinsured Policies,
the Second Amendment Additional Policies and the Third Amendment Additional Policies, in lieu of and notwithstanding (x) Section 14 of and Annex C to Amendment No. 2 or (y) provisions of the Reinsurance Agreement relating to
continuing ceding and expenses allowances (including Exhibits C-4, C-6 and C-8 thereto) or the reciprocal policy fee allowances in respect to Other Reinsurance arrangements referred to in Section 2.4 thereof, for each calendar quarter
commencing on or after the Second Amendment Effective Date (with respect to the Reinsured Policies and the Second Amendment Additional Policies) or the Third Amendment Effective Date (with respect to the Third Amendment Additional Policies), and in
each case prior to any termination of the reinsurance hereunder in accordance with the terms hereof and the terms of the Reinsurance Agreement, the Reinsurer shall pay to the Ceding Company a continuing ceding and expense allowance equal to the sum
of (a) an amount determined in accordance with Annex B-1 hereto plus (b) the Quota Share, the Second Amendment Quota Share or Third Amendment Quota Share, respectively, of the amounts necessary to pay renewal

  
 7 

 
commissions with respect to the Reinsured Policies, the Second Amendment Additional Policies or Third Amendment Additional Policies for periods commencing after the Second Amendment Effective
Date (with respect to the Reinsured Policies and the Second Amendment Additional Policies) or the Third Amendment Effective Date (with respect to the Third Amendment Additional Policies), plus (c) with respect to the Third Amendment Additional
Policies only, prior to any termination of the Ceding Company’s provision of Hedge Administration and so long as the Ceding Company is in material compliance with the requirements of Section 11 hereof, the Third Amendment Quota Share of
the reasonable amount of any and all direct third party costs and expenses incurred by the Ceding Company with respect to the management or administration of the Hedges, Hedge Transactions or Hedge Agreements. 

7. Reinsurance Trust. The provisions of Section 5 of Amendment No. 2 apply to the Reinsurer’s obligations with
respect to the Third Amendment Additional Policies. 
 8. Non-Guaranteed Elements. 

(a) The Ceding Company has provided to the Reinsurer as an additional element of the Risk Evaluation Materials full and complete copies of the
following information and analyses related to the Third Amendment Additional Policies, as applicable: (i) current and projected cost of insurance charges and other costs and charges for mortality and administration of the Third Amendment
Additional Policies; (ii) current and projected interest credited rates; (iii) current and projected dividend scales; and (iv) a description of the actuarial, financial and other policies, guidelines and methodologies used by the
Ceding Company in determining over time the amounts in items (i), (ii) and (iii) above as well as any other of the Non-Guaranteed Elements, including, without limitation, financial or actuarial models used in determining the Non-Guaranteed
Elements and a full description of all regulatory or other commitments made by or applicable to the Ceding Company in respect of the Non-Guaranteed Elements. 

(b) Consistent with the policies, guidelines and methodologies with respect to the Non-Guaranteed Elements provided to the Reinsurer described
in clause (a) of this Section 8 in connection with production of the additional Risk Evaluation Materials (the “Company Guidelines”), the Ceding Company shall at the Reinsurer’s request, but at least annually,
re-evaluate experience with respect to the Third Amendment Additional Policies and, as warranted and subject to the other terms and provisions of this Amendment No. 3, shall adjust the Non-Guaranteed Elements to reasonably reflect the results
of such evaluation. If, from and after the Signing Date, the Ceding Company sets Non-Guaranteed Elements in a manner that is not consistent with the Company Guidelines, solely in respect of the determination of reinsurance premiums to be paid by, or
the reinsurance benefits to be paid to, the Ceding Company with respect to this reinsurance, the Reinsurer shall be entitled to adjust cost of insurance, credited rate, policyholder dividends or other amounts payable by or to the Ceding Company
under this Amendment No. 3 to reflect and conform to a reasonable prospective application of the Company Guidelines. 
 (c) For
purposes of this Amendment No. 3, the term “Non-Guaranteed Elements” means cost of insurance charges, loads and expense charges, credited interest rates, mortality and expense charges, administrative expense risk charges,
variable premium rates and variable paid-up amounts and any other unspecified feature or charge, each as applicable under or with respect to the Third Amendment Additional Policies. 

9. Other Reinsurance. Unless specifically noted otherwise in this Amendment No. 3, the definition in the Reinsurance
Agreement of “Other Reinsurance” shall, from and after the Third 

  
 8 

 
Amendment Effective Date, be revised to add reinsurance ceded with respect to the Third Amendment Additional Policies under the terms of the ceded reinsurance agreements as specified on Annex
A-2 hereto; provided, that the parties acknowledge and agree that there are no Net Retained Liabilities associated with the Third Amendment Additional Policies. The Ceding Company agrees and acknowledges that, pursuant to
Section 11.4 of the Reinsurance Agreement, the Ceding Company shall notify the Reinsurer of any pending or threatened dispute, contest, compromise, litigation or arbitration of any matter involving Other Reinsurance applicable with respect to
the Third Amendment Additional Policies (including, without limitation, any issues concerning the initiation of this reinsurance), and that once notified, the Reinsurer may undertake management of such matter. In the event that the Reinsurer
undertakes management of any such proceeding, the Ceding Company agrees to cooperate with the Reinsurer in all reasonable respects in the Reinsurer’s efforts to obtain full economic performance of the Other Reinsurance. For purposes of clarity,
any cession to OM Re or Raven Re shall not constitute Other Reinsurance with respect to the Third Amendment Additional Policies and the Reinsurer undertakes and assumes no risks as respects the collectability of any amounts due from OM Re or Raven
Re, as the case may be, or any other affiliate or former affiliate of the Ceding Company. 
 10. Investment Management During the
Interim Period. Annex C-1 hereto includes a true and complete listing of the initial investment portfolio designated by the Ceding Company to support the economic reserves held as of December 31, 2010 with respect to the Third Amendment
Additional Policies (the “Economic Reserve Portfolio”), including a specification of the Ceding Company’s carried statutory book value for each such portfolio investment as of December 31, 2010. Assets constituting the
Economic Reserve Portfolio (excluding any assets supporting the economic reserves of any Third Amendment Policies issued after March 31, 2010), including investments added to the Economic Reserve Portfolio by the Ceding Company following
December 31, 2010, shall, from and following the Signing Date, (a) be maintained by the Ceding Company in a funds withheld account maintained by the Ceding Company for the benefit of its affiliate Raven Re, (b) be managed by one or
more third party portfolio managers (each, an “Economic Reserve Portfolio Manager”) reasonably acceptable to the Reinsurer, it being understood and agreed that each of Goldman Sachs Asset Management, L.P. and other advisory
affiliates of Goldman, Sachs & Co. is stipulated as reasonably acceptable to the Reinsurer, and (c) be managed in accordance with the portfolio management guidelines referenced in Annex C-2 hereof, with deviations therefrom and
modifications thereto effected only with the Reinsurer’s prior written consent (the “Guidelines”). The Reinsurer shall be afforded the right to receive information concerning the Economic Reserve Portfolio promptly as requested
thereby. The Ceding Company shall notify the Reinsurer prior to any replacement of any asset in the Economic Reserve Portfolio, and the Reinsurer may at any time request that the Ceding Company replace any asset in the Economic Reserve Portfolio, in
each case in a manner consistent with the requirements of the Guidelines; provided, that, notwithstanding anything in this Section 10 to the contrary, the Reinsurer agrees that, to the extent that Nomura International plc
(“Nomura”) or Nomura Bank International plc (“NBI”) informs the Ceding Company that an asset replacement requested by the Reinsurer would result in the non-admission of an asset by Nomura or NBI for purposes of the
Collateralization Model (as such term is defined in the Reimbursement Agreement entered into as of April 7, 2011 by and among Raven Re, Old Mutual plc, Harbinger, Nomura and NBI) due to such asset replacement causing the Economic Reserve
Portfolio to be out of compliance with requirements of the Guidelines, then the Reinsurer shall withdraw such replacement request and no Excluded Assets (as defined below) shall result from such replacement request and provided, further, that
the Ceding Company shall provide prompt notice to Reinsurer of any such notification by Nomura or NBI and thereafter shall work in good faith with Reinsurer to promptly as practicable to identify and implement an alternative acceptable to all
concerned parties. For the purposes of this Amendment No. 3, “Excluded Assets” shall mean (x) any assets in the Economic 

  
 9 

 
Reserve Portfolio acquired as the result of a replacement proposed by the Ceding Company to which the Reinsurer has objected within three (3) business days of its receipt of notice from the
Ceding Company of such proposed replacement and (y) any assets in the Economic Reserve Portfolio that the Reinsurer has requested that the Ceding Company to replace, if within three (3) business days of such replacement request the Ceding
Company has not complied, or caused the portfolio manager with respect to the Economic Reserve Portfolio to comply, with such replacement request; provided, that any asset described in clause (y) shall be deemed an Excluded Asset only on
and after the date on which the Ceding Company has received such replacement request from the Reinsurer. In the absence of a material breach of the terms of this Section 10, the securities comprising the Economic Reserve Portfolio, including
replacements and additions thereto made consistent with the foregoing, but excluding any Excluded Assets, shall be deemed to satisfy the requirements under Section 4 hereof that securities used to fund the Third Amendment Closing Settlement
Amount be approved in advance by the Reinsurer. For the avoidance of doubt, (I) the provisions of this Section 10 shall not apply to the management of the Hedges and (II) notwithstanding anything to the contrary herein, the Ceding Company
shall retain control over all assets in the Economic Reserve Portfolio during the Interim Period. 
 11. Hedges and Hedge
Management. 
 (a) Annex C-3 hereto contains (i) a true and complete listing of all master agreements, investment
services agreements, other contractual arrangements, ancillary agreements, commitments, elections, guarantees and transaction commitments and confirmations made with respect to or in connection with the Third Amendment Additional Policies or risks
thereunder and (ii) a true and correct listing of Hedge Balances determined on and as of December 31, 2010, (A) from the books and records of the Ceding Company or its former affiliate OM Re and (B) in accordance with statutory
accounting principles prescribed generally by the State of Maryland as in effect on the Signing Date, consistently applied. 
 (b) Without
duplication in respect of Section 6 hereof, and subject to the occurrence of the Third Amendment Closing Date, on and as of the Third Amendment Effective Date and solely as respects the operation of the Hedges with respect to the Third
Amendment Additional Policies, the Reinsurer shall participate to the extent of the Third Amendment Quota Share in all Hedging Results. Net settlements made hereunder shall include provisions for such participation by the Reinsurer in Hedging
Results, including, without limitation Hedge Proceeds and Hedge Funding, if any, for the subject quarterly settlement period. 
 (c) From
and after the Third Amendment Closing Date and during the term of this Amendment No. 3, the Ceding Company shall maintain in force the Hedges and shall provide Hedge Administration with respect thereto as near as reasonably practicable
consistent with (i) the standards and methodology articulated therefor in the Hedge Guidelines, (ii) the Ceding Company’s historical approach to the management of its Hedge program and (iii) written instructions provided from
time to time by the Reinsurer provided that implementation of such instructions does not expose the Ceding Company to any material loss, liability, cost, expense or risk not indemnified by the Reinsurer. On and as of the Signing Date, the Ceding
Company’s commitments set forth in this Section 11(c) shall become effective and the Ceding Company shall manage the Hedges on a basis consistent with the terms of this Section 11 notwithstanding that reinsurance hereunder shall not
be effective until the occurrence of the Third Amendment Closing Date. On and as of the Third Amendment Closing Date, the Reinsurer shall be afforded the right (x) to enforce directly the consistent application of the Hedge Guidelines,
(y) to receive information concerning the Hedges, Hedge Balances and the performance of the underlying hedged risks promptly as requested thereby and (z) to provide instructions to Milliman, Inc. or other delegee of the Ceding Company with
respect to the performance of the Hedge Administration concerning the creation, administration and management of same, so long as such instructions comport with the requirements of the Hedge Guidelines and the provisions of clause (iii) above.

  
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 (d) With ninety (90) days’ notice to the Ceding Company, the Reinsurer may in its
discretion terminate the provision by the Ceding Company of Hedge Administration services on a “runoff” basis (i.e., the Ceding Company will thereafter not renew, extend or replace existing Hedges provided that Reinsurer’s
participation hereunder in Hedging Results shall continue with respect to Hedges in place as of the date of such termination, and, following such termination, the Ceding Company will continue to provide Hedge Administration with respect to, existing
Hedges until the natural expiration thereof). Following any such termination by the Reinsurer of the Ceding Company’s Hedge Administration, at its own cost and expense, the Ceding Company will (i) assist the Reinsurer in the transfer of
the Hedge program on a going-forward basis to the Reinsurer or the Reinsurer’s designees, (ii) assist the Reinsurer in “splitting” current Hedge-related agreements to which the Ceding Company is party to cover separately risks
ceded to the Reinsurer and (iii) on an ongoing basis, timely provide the Reinsurer or its designees with current and projected information concerning the Third Amendment Additional Policies and the Hedges as is reasonably necessary to support
continuation of the Hedge program by the Reinsurer or its designees. 
 (e) For purposes of this Amendment No. 3, the following terms
shall have the meanings ascribed below: 
  

	 	(i)	“Hedge Administration” means all tasks, functions and activities reasonably necessary (A) to initiate, renew, manage and administer the Hedges and the Hedge Agreements and (B) otherwise to
manage and collect the Hedge Balances or other balances as are or may become due or collectible under the terms of any of the Hedge Agreements. 

  

	 	(ii)	“Hedge Agreements” means the master agreements, investment services agreements and other contractual arrangements and commitments specified on Annex C-3 hereto, together with the ancillary
agreements, commitments, elections, guarantees and transaction commitments and confirmations made with respect thereto or in connection therewith, and including, as well, any replacement or successor agreements with respect thereto.

  

	 	(iii)	“Hedge Balances” as of any time means the aggregate statutory book value attributable to Hedges in effect as of such time. 

 

	 	(iv)	“Hedge Funding” for any period means amounts required to be paid by or on behalf of the Ceding Company with respect to the acquisition, initiation, management, performance (including, without
duplication, collateralization) or termination of one or more of the Hedges, Hedging Transactions or Hedge Agreements. 

  

	 	(v)	“Hedge Guidelines” means the guidelines and standards with respect to Hedge Administration as set forth in Annex C-4 hereto. 

 

	 	(vi)	“Hedge Proceeds” means any net amounts actually realized by or on behalf of the Ceding Company with respect to the acquisition, initiation, management, performance (including, without duplication,
collateralization) or termination of one or more of the Hedges, Hedging Transactions or Hedge Agreements. 

  

	 	(vii)	 “Hedges” means instruments such as options, warrants used in hedging transactions and not attached to or forming part of another
financial instrument, caps, floors, collars, swaps, swaptions, forwards, futures and any other agreements or substantially similar instruments, in the case of each of the foregoing, or any series or combination thereof,

  
 11 

	 	
and any agreements or instruments entered into pursuant to the terms of, one more of the Hedge Agreements, each as and to the extent completed with respect to, or allocable to, risks presented by
the Third Amendment Additional Policies. 

  

	 	(viii)	“Hedging Results” means, without duplication of any element of expense allowance paid hereunder, any and all of the profit or loss, liability, obligation or benefit, cost or expense (other than internal
or external management costs or overhead) incurred or arising on or after the Third Amendment Effective Date under or with respect to one or more of the Hedges, Hedging Transactions or Hedge Agreements, each as and to the extent applicable to Hedges
procured for, or Hedging Transactions completed with respect to or allocable to, risks presented by the Third Amendment Additional Policies, whether or not such Hedges were procured before or after the Third Amendment Effective Date. Hedging Results
include, but are not limited to, the results of transactions giving rise to Hedge Funding or Hedge Proceeds and the natural termination or expiration of a Hedge shall give rise to profit or loss to be included in determinations of Hedging Results as
if such Hedge was disposed of for consideration equal to the net proceeds thereof, if any, received or paid, as the case may be, in respect of any such natural termination or expiration. As and to the extent that a single unitary Hedge, Hedge
Agreement or Hedge Transaction was entered into by or on behalf of the Ceding Company and is allocable only in part to risks presented by or with respect to the Third Amendment Additional Policies, Hedging Results attributable to such single unitary
Hedge, Hedge Agreement or Hedge Transaction will be determined to include only a pro rata portion of the overall loss, liability, obligation, benefit, cost or expense arising under or with respect thereto as is reasonably deemed by the Ceding
Company to be allocable to the risks presented by the Third Amendment Additional Policies. Hedging Results shall be determined on a pre-tax basis. 

  

	 	(ix)	“Hedging Transactions” are defined as transactions involving the creation, use or termination of one or more Hedges. 

12. Rights to Certain Information During Interim Period. During the Interim Period, with respect to the Third Amendment
Additional Policies, the Reinsurer shall be entitled to receive the information, reporting and access to records otherwise provided with respect to Reinsured Policies under the terms of the Reinsurance Agreement, including, without limitation, the
provisions of Section 11.5 and Exhibit E thereof, all subject to the non-disclosure obligations set forth in Section 18 thereof, and the Ceding Company shall provide within thirty (30) days following the end of each calendar quarter
during the Interim Period (a) together with reasonable support therefor, a calculation of the notional settlements amounts and cumulative adjustments required for such quarter under Annex D-1 hereto, (b) a specification of the
investments constituting the Economic Reserve Portfolio as of the end of such quarter and (c) a description of the status of discussions concerning any Required Consents (as such term is defined in the Commitment Agreement). The foregoing
information rights and access shall apply as well to the Economic Reserve Portfolio and Hedges allocated to or supporting reserves held by the Ceding Company with respect to the Third Amendment Additional Policies, whether or not such portfolio or
such Hedges are maintained directly by or are maintained on behalf of the Ceding Company. 

  
 12 

 13. Certain Reporting and Policy Administration Matters After Third Amendment Closing
Date. 
 (a) The parties acknowledge and agree that substantial new periodic reporting mechanisms may be required to address
the proper and timely management and administration of the reinsurance provided under this Amendment No. 3. More specifically, the parties acknowledge and agree that quarterly, monthly, daily and, in certain cases, real time reporting and
analysis mechanisms and electronic interfaces will be created by the parties with respect to the origination, management and administration of the Hedges and the parties’ respective rights and obligations under Section 10 hereof. The
parties will use their respective commercially reasonable efforts to timely complete these additional reporting and analysis arrangements with the objective of full operational implementation within 180 days of the Third Amendment Closing Date and,
further, shall promptly after the Third Amendment Closing Date implement reasonable interim reporting and information access measures pending such completion. Subject to the foregoing, the parties acknowledge the continuing effectiveness of the
provisions of Exhibit E to the Reinsurance Agreement (Self-Administered Reporting) with respect to the Third Amendment Additional Policies. The expenses of the parties’ fulfillment of their obligations under this Section 13(a) will be
shared equally between the parties. 
 (b) To the extent legally permissible, in order to enable the Reinsurer to comply with requirements
applicable now or in the future to the Reinsurer with respect to maintaining, documenting, assessing and reporting of its internal controls over financial reporting (including administrative services, investment management, information technology
and related processes), the Reinsurer shall have reasonable access to audit opinions and internal control and internal audit reports, including, where applicable, Statement on Auditing Standards (SAS) No. 70 reports (if produced), in each case,
only to the extent such opinions and reports relate directly to the Third Amendment Additional Policies, and reports produced by third-parties and others involved in the administration of the Third Amendment Additional Policies and shall be given
reasonable access to auditors, Ceding Company personnel and third-party administrators relative thereto. The Reinsurer shall bear any third-party out-of-pocket incremental costs resulting from such access. The parties acknowledge and agree
that subject to Section 11.5 of the Reinsurance Agreement, the Reinsurer shall have access to the periodic operating reports provided by the Ceding Company’s third party administrators and other service agents with respect to the Third
Amendment Additional Policies, in each case, only to the extent such opinions and reports relate directly to the Third Amendment Additional Policies. Notwithstanding the foregoing, nothing contained herein shall require the Ceding Company, or any of
its auditors, third party administrators, other service agents or representatives to disclose any information to the Reinsurer, or to take any other action that would (i) cause a violation of any contract to which the Ceding Company is a party,
(ii) cause a risk of loss of legal privilege or (iii) would constitute a violation of applicable law or obligations to policyholders; provided, however, that the Ceding Company shall use its commercially reasonable efforts to
obtain any consents from third parties in order to provide such information to the Reinsurer without violating any contractual obligations. Any access provided hereunder shall be during normal business hours, subject to reasonable prior notice and
shall not unreasonably interfere with the business or operations of the Ceding Company. For the avoidance of doubt, any information disclosed herein shall be subject to the non-disclosure obligations set forth in Section 18 of the Reinsurance
Agreement. 
 (c) The parties agree that at the Reinsurer’s reasonable request appropriate representatives of the Ceding Company and
the Reinsurer and their respective representatives shall confer periodically to assess any material concerns of the Reinsurer with respect to the administration of the Third Amendment Additional Policies or the Other Reinsurance related thereto.

 14. Outsourcing. With the Reinsurer’s prior written consent, which shall not be unreasonably withheld, conditioned or
delayed, the Ceding Company may arrange for one or more duly authorized 

  
 13 

 
third-party administrators to perform on behalf of the Ceding Company or at its direction any portion of the administrative, policyholder service, claims, technology support or other services
required with respect to the Third Amendment Additional Policies or the Hedge Agreements. For purposes of the foregoing, the Reinsurer has consented to the provision of Hedge Administration by Milliman Inc. and its affiliates and certain
administrative, policyholder service, claims, technology support or other services by Transactions Application Group, Inc., HooperHolmes Underwriting Solutions, Heritage Labs International, LLC Heritage Labs International, LLC, ExamOne-Quest
Diagnostics, American Para Professional Systems, Inc., HooperHolmes-Portamedic and Superior Mobile Medics, Inc. Notwithstanding the foregoing, the Ceding Company shall remain liable to the Reinsurer in accordance with the terms of this Amendment
No. 3 for work performed by any such subcontractor. 
 15. Certain Representations and Warranties. 

(a) Subject to Section 3 and Section 9 hereof, as of each of the Signing Date and the closing of the Acquisition, the Ceding Company
hereby repeats and affirms the representations and warranties set forth in (i) the second paragraph of Section 2.4 of the Reinsurance Agreement (Other Reinsurance) beginning with the phrase “[t]he Ceding Company represents and
warrants”, (ii) Section 8.1 of the Reinsurance Agreement (other than the last sentence thereof) (Reserves), and (iii) Section 11.4 of the Reinsurance Agreement (other than the second paragraph of Section 11.4 thereof as
respects solely the inception of this reinsurance) with respect to Other Reinsurance applicable to the Third Amendment Additional Policies. Notwithstanding the foregoing, and for the sake of clarity, the Reinsurer assumes the risk that reinsurance
under the Other Reinsurance with respect to the Third Amendment Additional Policies is not collected. For the sake of clarity, the parties agree and acknowledge that the OM Re Reinsurance Agreements and the Raven Re Reinsurance Agreement have been
fully terminated and commuted prior to the Third Amendment Closing Date. 
 (b) As of the Signing Date and the closing of the Acquisition,
the Ceding Company hereby repeats and affirms the representations and warranties set forth in (i) as respects solely the Third Amendment Additional Policies, Section 11.6 (Compliance) and Section 11.9 (Certain Underwriting Exceptions
and Exclusions) of the Reinsurance Agreement, (ii) as respects the Third Amendment Additional Policies and this reinsurance generally, Section 11.7 (Certain Representations) of the Reinsurance Agreement (other than the penultimate
paragraph thereof) and (iii) Section 8.1 of the Reinsurance Agreement (Reserves) (other than the last sentence thereof). 
 (c)
The Ceding Company hereby represents and warrants that at the time of the issuance of each of the Third Amendment Additional Policies, the Ceding Company had in full force and effect all material licenses and authorizations necessary for it to
properly issue each Third Amendment Additional Policy in accordance with applicable law and the Ceding Company was not at the time of issuance of any of the Third Amendment Additional Policies or on the Signing Date and the closing of the
Acquisition, as applicable, operating under any formal or informal agreement or understanding with any Governmental or Regulatory Authority (as such term is defined in the Commitment Agreement) restricting its authority to do business or requiring
the Ceding Company to take, or refrain from taking, any action inconsistent with the lawful issuance of the Third Amendment Additional Policies. 

(d) (i) Since January 1, 2007, the Ceding Company has not changed the “cost of insurance” tables or made similar changes on or
in respect of the Third Amendment Additional Policies and (ii) the Ceding Company does not have any agreements, written or otherwise, with policyholders or groups of policyholders regarding credited interest rates to be paid with respect to any
of the Third Amendment Additional Policies except as set forth in the Third Amendment Additional Policies and excluding the policies listed in Annex E hereto. 

  
 14 

 (e) Except as set forth on Annex F hereto and excluding suits, proceedings or arbitrations
involving death benefits arising prior to the Third Amendment Effective Date, as of the Signing Date, there is no material suit, proceeding or arbitration pending or, to the best knowledge of the Ceding Company, threatened in writing against or
affecting the Company with respect to the Third Amendment Additional Policies nor is there any material judgment, decree, injunction or order of any governmental entity or arbitrator outstanding against the Ceding Company with respect thereto. 

(f) The Ceding Company has furnished to the Reinsurer copies of the Ceding Company’s (i) Annual Statements as of December 31,
2009 and for the fiscal year then ended as filed with the Maryland Insurance Administration and (ii) the quarterly statements as of March 31, 2010, June 30, 2010 and September 30, 2010 and for the quarterly periods then
ended, as filed with the Maryland Insurance Administration (collectively, the “Amendment Historical Statutory Statements”). The Amendment Historical Statutory Statements (including without limitation the provisions made therein for
investments and the valuation thereof, reserves, policy and contract claims and statutory liabilities) have been prepared, in all material respects, in accordance with statutory accounting principles (except as may be reflected in the notes thereto
and subject, with respect to the quarterly statements, to the absence of notes required by statutory accounting principles and to normal year-end adjustments), were in all material respects, in compliance with applicable requirements of law and
regulation when filed and present fairly in all material respects the financial condition of the Ceding Company covered thereby as of the respective dates thereof and the results of operations, changes in capital and surplus and cash flows of the
Ceding Company for the periods then ended. The Ceding Company makes no representations and warranties as to the future experience or profitability arising from the Third Amendment Additional Policies. 

16. Covenant Concerning Ceded Reinsurance. From and following the Signing Date, the Ceding Company shall not effect any ceded
reinsurance with respect to the risks ceded hereunder other than the ceded reinsurance as set forth on Annex A-2 hereto or on Exhibit A-2 to the Reinsurance Agreement. 

17. Certain Indemnities. The parties acknowledge and agree that the indemnities provided under Section 11.10 of the
Reinsurance Agreement shall apply to loss, liability, cost or expense arising out of a breach of one or more of the covenants, representations or warranties set forth in this Amendment No. 3. 

18. Assignment. Without prejudice to the existing provisions of Section 11.13 of the Reinsurance Agreement, the Reinsurer
shall have the right to novate performance obligations for coverage hereunder to an affiliate reinsurance company (a) as at the time of such novation (i) is a wholly owned subsidiary of Wilton Re Holdings Limited and (ii) has
(1) a financial strength rating issued by AM Best (or its successor) not less than the rating accorded the Reinsurer and (2) as certified to the Ceding Company by the chief financial officer of the Reinsurer, an RBC Ratio (as defined in
Amendment No. 2) of not less than 300% and (b) remains a direct or indirect controlled subsidiary of Wilton Re Holdings Limited; provided, that the Reinsurer shall have no right under this Section 18 to novate performance
obligations for coverage hereunder other than to an assignee that either (x) is licensed as a life insurance company in the State of Maryland to reinsure the Third Amendment Additional Policies or is approved by the State of Maryland as an
accredited reinsurer or (y) has otherwise committed in writing to ensuring that the Ceding Company will receive full statutory financial statement credit for the reinsurance provided under this Amendment No. 3 with respect to the Third
Amendment Additional Policies pursuant to a provision substantially in the form of Section 8.2 to the Reinsurance Agreement. 

  
 15 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

19. Subsequent Negative IMR Reductions. If, at any following the Third Amendment Closing Date, there is a reduction in the
absolute value of any then-unamortized collective negative IMR with respect to the Third Amendment Additional Policies that was actually required to be established or maintained in connection with the completion of the transactions contemplated by
this Amendment No. 3, including, without limitation, as a result of any accelerated amortization of such IMR (whether or not resulting from normal business operations but excluding the effects of any normal amortization of such IMR) or as a
result of any subsequent transactions with respect to the Third Amendment Additional Policies, the Reinsurer shall pay to the Ceding Company an amount equal to [***]% of any such reduction. Subject to Section 13.1 of the Reinsurance Agreement,
any payments required to be made hereunder shall be paid in a manner consistent with the settlement procedures set forth in the Reinsurance Agreement. 

20. Further Assurances. Each of the parties shall execute such documents and other instruments and perform such further acts as
may be reasonably required to carry out the provisions hereof and the transactions contemplated hereby. Each party shall, on or prior to the Third Amendment Closing Date, use its commercially reasonable efforts to fulfill or obtain the fulfillment
of the conditions precedent to the consummation of the transactions contemplated hereby, including the execution and delivery of any documents, certificates or other instruments that are reasonably required for the consummation of the transactions
contemplated hereby; it being agreed that nothing contained in this sentence shall modify the terms of the indemnification required in order to excuse the failure of a Coinsurance Condition (as such term is defined under the Commitment Agreement)
pursuant to the terms of Section 1(a) of the Commitment Agreement. 
 21. General Amendments. The following provisions
shall apply notwithstanding anything in the Reinsurance Agreement, Amendment No. 2 or this Amendment No. 3 to the contrary: 
  

	 	(a)	Conversions, Replacements and Exchanges. 

  

	 	(i)	For purposes of the Reinsurance Agreement and this Amendment No. 3, all conversions, exchanges and replacements of the Reinsured Policies and the Third Amendment Additional Policies shall be coinsured by the
Reinsurer on a 100% quota share basis. For the avoidance of doubt, the provisions of Section 2.4 of the Reinsurance Agreement with respect to Other Reinsurance shall apply to such conversions, replacements and exchanges. 

 

	 	(ii)	For purposes of Amendment No. 2, all conversions, exchanges and replacements of the Second Amendment Additional Policies (as such term is defined in Amendment No. 2) shall be coinsured by the Reinsurer on a
100% quota share basis net of the Excluded Share as specified in Amendment No. 2. For the avoidance of doubt, the provisions of Section 2.4 of the Reinsurance Agreement with respect to Other Reinsurance shall apply to such conversions,
replacements and exchanges. For purposes of Amendment No. 2, the term “Excluded Share” (as defined therein) shall be deemed to include (x) any Excluded Share specified in Annex A-1 thereto and (y) any policy ceded to Raven
Re as a conversion, exchange or replacement of a Reinsured Policy or a Second Amendment Additional Policy. For the avoidance of doubt, the Excluded Share with respect to the Second Amendment Additional Policies shall be ceded to the Reinsurer
pursuant to this Amendment No. 3, subject to the occurrence of the Third Amendment Closing Date. 

  
 16 

	 	(b)	Continuing Allowances. Continuing allowances with respect to the Reinsured Policies, the Second Amendment Additional Policies and the Third Amendment Additional Policies shall be determined pursuant to
Section 6 hereof, in lieu of and notwithstanding (i) Section 14 of and Annex C to Amendment No. 2 or (ii) provisions of the Reinsurance Agreement relating to continuing ceding and expenses allowances (including Exhibits C-4, C-6
and C-8 thereto) or the reciprocal policy fee allowances in respect to Other Reinsurance arrangements referred to in Section 2.4 thereof. 

  

	 	(c)	Premiums and Premium Settlements. 

  

	 	(i)	With respect to the Second Amendment Additional Policies and the Third Amendment Additional Policies other than term life insurance policies, remittance of premiums and other policy receipts, as well as the proceeds of
Other Reinsurance, shall be settled monthly in arrears rather than in advance. 

  

	 	(ii)	The parties agree that all references in the Reinsurance Agreement, Amendment No. 2 and this Amendment No. 3 to premiums shall, with respect to a given Reinsured Policy, Second Amendment Reinsured Policy or
Third Amendment Reinsured Policy, be deemed to include all fees, receipts, reimbursements and other similar amounts collected with respect to such Reinsured Policy, Second Amendment Additional Policy or Third Amendment Additional Policy.

 22. Reinsurance Agreement. Except as expressly stated herein, the terms of this Amendment No. 3 are
subject to all other terms and conditions of the Reinsurance Agreement, all of which remain unchanged and in full force and effect. This Amendment No. 3 does not alter, amend or modify the Reinsurance Agreement except as expressly set forth
herein. 
 23. Multiple Counterparts. This Amendment No. 3 may be signed in any number of counterparts which taken
together shall constitute one and the same instrument. 
 [Balance of page left blank intentionally] 

  
 17 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment No. 3 as of the date first above
written. 
  

									
	FIDELITY & GUARANTY LIFE INSURANCE COMPANY	 		 	WILTON REASSURANCE COMPANY
					
	By:	 	 /s/ George Nicholson
	 		 	By:	 	/s/ Michael Greer
			
	Name:  George Nicholson	 		 	Name:  Michael Greer
	Title:    VP–Controller	 		 	Title:    Senior Vice President

 [Signature page to Amended and Restated Amendment No. 3 to Automatic Reinsurance Agreement between
Fidelity & Guaranty Life Insurance Company and Wilton Reassurance Company] 

 ANNEX A 

THIRD AMENDMENT REINSURED POLICIES 

OTHER REINSURANCE 
  

			
	SCHEDULE OF PLANS, RIDERS AND BENEFITS	  	A.1        

 Subject to the other terms, conditions and limitations of this Amendment No. 3, policies issued on plans shown below may
qualify for reinsurance under the terms of this Amendment No. 3: 
  

													
	 SLOB
	  	 Plan Identification; Riders

Covered
	  	 Plan Code
	  	 Time Period
	  	 
							
	104021	  	Wealth Master	  	ULF	  	6/18/2002	    	-	 	 2/3/2010
	  	
	  	  
 FGL UL (12-01)
	  		  		    		 		  	
	  
 104041
	  	  
 Master Choice
	  	  
 EIUL
	  	  
 9/11/2003
	    	  
 -
	 	  
 11/5/2009
	  	
	  	  
 FGL EIUL (04-03)
	  		  		    		 		  	
	  	  
 OMLife-Choice
	  	  
 EIUL2
	  	  
 12/25/2008
	    	  
 -
	 	  
 3/31/2010
	  	
	  	  
 2001 CSO
	  		  		    		 		  	
		  	  
 OM IUL (1-09)
	  		  		    		 		  	
	  
 104051
	  	  
 Master Elite
	  	  
 MEIUL
	  	  
 4/2/2007
	    	  
 -
	 	  
 5/8/2009
	  	
	  	  
 OMFL HCV IUL (1-07)
	  		  		    		 		  	
	  	  
 OMLife-Elite
	  	  
 MEIUL2
	  	  
 12/12/2008
	    	  
 -
	 	  
 3/30/2010
	  	
	  	  
 2001 CSO
	  		  		    		 		  	
		  	  
 OM HCV IUL (3-08)
	  		  		    		 		  	
	  
 104061
	  	  
 Value Master
	  	  
 ULVM
	  	  
 9/27/2007
	    	  
 -
	 	  
 5/24/2009
	  	
	  	  
 OM LPUL (7-07)
	  		  		    		 		  	
	  
 105011
	  	  
 Home Certain
	  	  
 10MLE
	  	  
 8/28/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  	  
 FGL MLT-U (9-98),
	  	  
 10MLT
	  	  
 5/25/1999
	    	  
 -
	 	  
 12/31/2008
	  	
	  	  
 FBL MDT-U (10-98)
	  	  
 15MDT
	  	  
 4/28/1999
	    	  
 -
	 	  
 8/31/2007
	  	
	  		  	  
 15MDTR
	  	  
 5/13/1999
	    	  
 -
	 	  
 6/17/2007
	  	
	  		  	  
 15MLE
	  	  
 6/13/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 15MLER
	  	  
 6/22/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 15MLT
	  	  
 4/28/1999
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 15MLTR
	  	  
 4/28/1999
	    	  
 -
	 	  
 12/17/2008
	  	
	  		  	  
 20MDT
	  	  
 5/12/1999
	    	  
 -
	 	  
 9/11/2007
	  	
	  		  	  
 20MDTR
	  	  
 5/11/1999
	    	  
 -
	 	  
 8/8/2007
	  	
	  		  	  
 20MLE
	  	  
 6/27/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 20MLER
	  	  
 7/13/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 20MLT
	  	  
 4/28/1999
	    	  
 -
	 	  
 8/14/2009
	  	
	  		  	  
 20MLTR
	  	  
 5/13/1999
	    	  
 -
	 	  
 7/28/2009
	  	
	  		  	  
 25MDT
	  	  
 6/11/1999
	    	  
 -
	 	  
 8/10/2007
	  	
	  		  	  
 25MDTR
	  	  
 7/9/1999
	    	  
 -
	 	  
 8/2/2007
	  	
	  		  	  
 25MLE
	  	  
 7/12/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 25MLER
	  	  
 7/12/2000
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 25MLT
	  	  
 5/4/1999
	    	  
 -
	 	  
 12/31/2008
	  	
	  		  	  
 25MLTR
	  	  
 5/11/1999
	    	  
 -
	 	  
 8/10/2007
	  	
	  		  	  
 30MDT
	  	  
 6/8/1999
	    	  
 -
	 	  
 5/30/2007
	  	

  
 A.1-1 

													
	 SLOB
	  	 Plan Identification; Riders

Covered
	  	 Plan Code
	  	 Time Period
	  	 
							
		  		  	30MDTR	  	5/18/1999	    	-	 	 8/28/2007
	  	
		  		  	  
 30ML
	  	  
 8/5/1999
	    	  
 -
	 	  
 1/10/2009
	  	
		  		  	  
 30MLE
	  	  
 6/28/2000
	    	  
 -
	 	  
 12/31/2008
	  	
		  		  	  
 30MLER
	  	  
 5/11/2000
	    	  
 -
	 	  
 12/16/2009
	  	
		  		  	  
 30MLR
	  	  
 6/1/2000
	    	  
 -
	 	  
 10/24/2009
	  	
		  		  	  
 30MLT
	  	  
 5/5/1999
	    	  
 -
	 	  
 12/3/2003
	  	
		  		  	  
 30MLTR
	  	  
 4/11/1999
	    	  
 -
	 	  
 2/17/2009
	  	
	  
 105051
	  	  
 Savers Select
	  	  
 15SSE
	  	  
 2/15/2001
	    	  
 -
	 	  
 3/17/2009
	  	
	  	  
 FGL RTRC2 (5-96)
	  	  
 15SSER
	  	  
 2/7/2001
	    	  
 -
	 	  
 1/26/2009
	  	
		  		  	  
 15SSX
	  	  
 1/26/2001
	    	  
 -
	 	  
 6/14/2009
	  	
		  		  	  
 15SSXR
	  	  
 2/7/2001
	    	  
 -
	 	  
 9/14/2007
	  	
		  		  	  
 20SSE
	  	  
 2/1/2001
	    	  
 -
	 	  
 4/9/2009
	  	
		  		  	  
 20SSER
	  	  
 1/28/2001
	    	  
 -
	 	  
 8/13/2009
	  	
		  		  	  
 20SSX
	  	  
 2/1/2001
	    	  
 -
	 	  
 2/20/2009
	  	
		  		  	  
 20SSXR
	  	  
 2/13/2001
	    	  
 -
	 	  
 1/12/2009
	  	
		  		  	  
 30SSE
	  	  
 1/28/2001
	    	  
 -
	 	  
 5/14/2009
	  	
		  		  	  
 30SSER
	  	  
 2/1/2001
	    	  
 -
	 	  
 10/21/2009
	  	
		  		  	  
 30SSX
	  	  
 1/18/2001
	    	  
 -
	 	  
 3/16/2009
	  	
		  		  	  
 30SSXR
	  	  
 2/1/2001
	    	  
 -
	 	  
 9/13/2009
	  	
	  
 105061
	  	  
 Term Trends
	  	  
 01RTM
	  	  
 2/4/1997
	    	  
 -
	 	  
 7/25/1997
	  	
	  	  
 FGL RTRC (12-95)
	  	  
 01RTSA
	  	  
 1/6/2000
	    	  
 -
	 	  
 7/21/2000
	  	
		  		  	  
 05RTG
	  	  
 12/16/1997
	    	  
 -
	 	  
 12/8/2005
	  	
		  		  	  
 05RTP
	  	  
 6/4/1997
	    	  
 -
	 	  
 6/4/1997
	  	
		  		  	  
 05RTR
	  	  
 4/15/1997
	    	  
 -
	 	  
 11/3/1999
	  	
		  		  	  
 05RTRJ
	  	  
 10/16/1998
	    	  
 -
	 	  
 9/26/2005
	  	
		  		  	  
 10RTG
	  	  
 3/3/1997
	    	  
 -
	 	  
 11/15/2005
	  	
		  		  	  
 10RTM
	  	  
 11/22/1996
	    	  
 -
	 	  
 3/3/1997
	  	
		  		  	  
 10RTP
	  	  
 2/25/1997
	    	  
 -
	 	  
 9/16/1997
	  	
		  		  	  
 10RTR
	  	  
 4/14/1997
	    	  
 -
	 	  
 7/24/2007
	  	
		  		  	  
 10RTRJ
	  	  
 4/2/1998
	    	  
 -
	 	  
 10/10/2005
	  	
		  		  	  
 15RTG
	  	  
 3/10/1997
	    	  
 -
	 	  
 12/19/2005
	  	
		  		  	  
 15RTM
	  	  
 10/7/1996
	    	  
 -
	 	  
 4/2/1997
	  	
		  		  	  
 15RTP
	  	  
 2/8/1997
	    	  
 -
	 	  
 8/28/1997
	  	
		  		  	  
 15RTR
	  	  
 2/13/1997
	    	  
 -
	 	  
 11/5/2002
	  	
		  		  	  
 15RTRJ
	  	  
 3/11/1998
	    	  
 -
	 	  
 10/10/2005
	  	
		  		  	  
 15SST
	  	  
 4/16/1997
	    	  
 -
	 	  
 8/1/1997
	  	
		  		  	  
 20RTG
	  	  
 3/4/1997
	    	  
 -
	 	  
 11/25/2007
	  	
		  		  	  
 20RTM
	  	  
 11/13/1996
	    	  
 -
	 	  
 4/10/1997
	  	
		  		  	  
 20RTP
	  	  
 1/28/1997
	    	  
 -
	 	  
 8/22/1999
	  	
		  		  	  
 20RTR
	  	  
 1/27/1997
	    	  
 -
	 	  
 11/8/2007
	  	
		  		  	  
 20RTRJ
	  	  
 3/5/1998
	    	  
 -
	 	  
 9/17/2005
	  	
		  		  	  
 20SST
	  	  
 5/2/1997
	    	  
 -
	 	  
 6/27/1997
	  	

  
 A.1-2 

													
	 SLOB
	  	 Plan Identification; Riders

Covered
	  	 Plan Code
	  	 Time Period
	  	 
							
		  		  	30ACA	  	5/9/1997	    	-	 	 5/20/2002
	  	
	  		  	  
 30ACB
	  	  
 6/3/1997
	    	  
 -
	 	  
 6/8/2001
	  	
	  		  	  
 30RTM
	  	  
 12/23/1996
	    	  
 -
	 	  
 9/2/1998
	  	
	  
 105071
	  	  
 Value Select
	  	  
 15VS2
	  	  
 7/7/2008
	    	  
 -
	 	  
 3/30/2009
	  	
	  	  
 OM FGLT (3-08)
	  	  
 20VS2
	  	  
 5/3/2008
	    	  
 -
	 	  
 3/12/2009
	  	
	  		  	  
 30VS2
	  	  
 7/12/2008
	    	  
 -
	 	  
 2/9/2009
	  	

  
 A.1-3 

			
	SCHEDULE OF OTHER REINSURANCE	  	A.2        

  

			
	 Products Covered
	  	 Treaty Identification

		
	Home Certain	  	 Canada Life Assurance Company
  

Eff. – 4/15/2003
  

(per amendment, quota share percentage change effective 1/19/2005)

	  	  
 Household Life Insurance Company

 
 Eff. – 4/1/2005

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Transamerica Occidental Life Insurance Company

 
 Eff. – 10/1/1999

		  	  
 Security Life of Denver

 
 Eff. – 4/15/2003

		  	  
 Swiss Re

 
 Eff. – 4/1/1999

		  	  
 Wilton Re

 
 Eff. – 4/1/2005, Eff. – 12/31/20071

	  
 Savers Select
	  	  
 Canada Life Assurance Company

 
 Eff. – 1/19/2005

	  	  
 RGA Reinsurance Company

 
 Eff. – 1/19/2005

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 1/15/2001

		  	  
 Security Life of Denver

 
 Eff. – 7/15/1996, Eff. – 4/15/2003

 
 (two treaties)

		  	  
 Swiss Re

 
 Eff. – 7/1/1983, Eff. – 1/15/2001

 
 (two treaties)

		  	  
 RGA Reinsurance Company (YRT)

 
 Eff. – 1/19/2005

  

	1 	This and other references in this Annex A-2 to the Wilton Re treaty effective 12/31/2007 refer to the Reinsurance Agreement. Coverage under the Reinsurance Agreement shall be deemed to be “Other Reinsurance”
solely with respect to the Third Amendment Additional Policies reinsured under this Amendment No. 3 to the extent any such policies were also covered under the Reinsurance Agreement prior to the Signing Date, including any such policies
reinsured under Amendment No. 2 to the Reinsurance Agreement. For the avoidance of doubt, (i) the Reinsurance Agreement shall not otherwise be deemed to be “Other Reinsurance” under the Reinsurance Agreement or under any
amendment thereto (except as otherwise contemplated therein), and (ii) the foregoing shall have no effect on the parties’ rights or entitlements under the terms of the Reinsurance Agreement as effective without consideration to the
effectiveness of this Amendment No. 3. 

  
 A.2-1 

			
	 Products Covered
	  	 Treaty Identification

		
		  	 American Phoenix
  

Eff. – 6/1/1996

	  	  
 Wilton Re

 
 Eff. – 12/31/2007

	  
 Your Term
	  	  
 Swiss Re

 
 Eff. – 12/22/2008

	  	  
 RGA Reinsurance Company

 
 Eff. – 12/22/2008

		  	  
 Gen Re

 
 Eff. – 12/22/2008

	  
 Value Select
	  	  
 Canada Life Assurance Company

 
 Eff. – 3/1/2003

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 3/1/2003

	  	  
 Transamerica Occidental Life Insurance Company

 
 Eff. – 7/21/2004

		  	  
 RGA Reinsurance Company

 
 Eff. – 7/18/2008

		  	  
 Security Life of Denver

 
 Eff. – 3/1/2003

		  	  
 Wilton Re

 
 Eff. – 12/31/2007

	  
 Term Trends
	  	  
 Crown Life Insurance Company

 
 Eff. – 3/1/1998

	  	  
 Life Reassurance Corporation of America

 
 Eff. – 3/1/1998

 
 (per amendment, eff. Date was later changed to
6/8/1998)
  

	  	 Transamerica Occidental Life Insurance Company

 
 Eff. – 10/1/1999

		  	  
 American Phoenix

 
 Eff. – 6/1/1996

		  	  
 Swiss Re

 
 Eff. – 6/8/1998

		  	  
 Security Life of Denver

 
 Eff. – 6/1/1996

	  
 Master Choice
	  	  
 Security Life of Denver (YRT)

 
 Eff. – 9/1/2003

	  	  
 Optimum (YRT)

 
 Eff. – 1/19/2005

		  	  
 Swiss Re (YRT)

 
 Eff. – 9/4/2001

		  	  
 RGA Reinsurance Company (YRT)

 
 Eff. – 1/19/2005

  
 A.2-2 

			
	 Products Covered
	  	 Treaty Identification

		
	OMLife-Choice, 2001 CSO	  	 Optimum (YRT)
  

Eff. –1/19/2005

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. –1/19/2005

		
		  	 Swiss Re (YRT)
  

Eff. –12/1/2008

		
	Master Elite	  	 Optimum (YRT)
  

Eff. –1/19/2005

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. –1/19/2005

		
		  	 Swiss Re (YRT)
  

Eff. –5/1/2007

		
	OMLife-Elite, 2001 CSO	  	 Optimum (YRT)
  

Eff. –1/19/2005

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. –1/19/2005

		
		  	 Swiss Re (YRT)
  

Eff. –5/1/07

		
	Wealth Master	  	 ALR/Wilton (YRT)
  

Eff. –10/1/1999

		
		  	 Swiss Re (YRT)
  

Eff. –9/4/2001

		
		  	 Security Life of Denver (YRT)
  

Eff. –9/1/2003

		
		  	 Optimum (YRT)
  

Eff. –1/19/2005

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. –1/19/2005

		
	Value Master	  	 RGA Reinsurance Company (YRT)
  

Eff. –8/31/2007

		
		  	 Swiss Re (YRT)
  

Eff. –8/31/2007

		
		  	 XL (YRT)
  

Eff. –8/31/2007

  
 A.2-3 

					
	DETERMINING ECONOMIC RESERVES	  	A.3	  	

 Economic Reserves associated with the Third Amendment Additional Policies will be calculated as a gross premium reserve
equaling the pre-tax present value of projected benefits, net of the effects of Other Reinsurance, plus expenses, commissions and reserve financing costs, minus net premiums, in each case excluding amounts attributable to excluded coverage (for
example, return of premium benefits). Reserve financing costs will be assumed to equal 150 basis points per annum for purposes of the Economic Reserves. The discount rates for purposes of the present value calculations will be assumed to equal the
projected investment earnings rates on a book value (i.e., historic amortized cost) basis, net of investment expenses and assumed defaults, and taking into account any IMR associated with the reinsurance of the business. 

  
 A.3-1 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

Annex B 
 ALLOWANCES 

 

					
	SCHEDULE OF CONTINUING CEDING ALLOWANCES	  	B.1	  	

  

											
	Fidelity & Guaranty Life	 
	Continuing Ceding Allowances (per policy per year)	 
	Universal Life	 	 	Equity Index
Universal Life	 	 	Term Life and
Whole Life	 
	$	[***	] 	 	$	[***	] 	 	$	[***	] 

 Notwithstanding anything to the contrary in the Reinsurance Agreement or Amendment No. 2, the amount to be paid by the
Reinsurer as a continuing policy allowance with respect to the Reinsured Policies, the Second Amendment Additional Policies or the Third Amendment Additional Policies pursuant to Section 6(a) for any full quarterly period shall be equal to the
sum of (a) the sum of the products, for each type of policy, of (i) the Quota Share, the Second Amendment Quota Share or the Third Amendment Quota Share, as applicable, times (ii) one-quarter of the applicable per policy, per year
charge as reflected in the table above times (iii) the average number of Reinsured Policies, Second Amendment Additional Policies or Third Amendment Additional Policies, as applicable, of the applicable type in force during the applicable
quarterly period, plus (b) [***]% of premiums ceded under the Reinsurance Agreement, Amendment No. 2 or this Amendment No. 3, as applicable, applicable to such period; provided, that the amount in item (a)(ii) above shall be
increased annually, commencing in calendar year 2012, by application of a 2% per annum inflation factor, compounded annually. 

  
 B.1-1 

 ANNEX C 

INVESTMENTS AND HEDGES 
  

					
	SCHEDULE OF ECONOMIC RESERVE PORTFOLIO	  	C.1	  	

  

																											
	 Portfolio
	  	 CUSIP
	  	 Issuer Name
	 	Par Value ($)	 	 	Book Value
as of
Dec. 31,
2010 ($)	 	 	Accrued
Inc ($)	 	 	Market
Value as of
Dec. 31,
2010 ($)	 	 	Coupon	 	 	Maturity
Date
	52	  	00846UAG6	  	Agilent Technologies Inc	 	 	2,500,000	  	 	 	2,488,764	  	 	 	55,903	  	 	 	2,537,833	  	 	 	5.00	% 	 	7/15/2020
	52	  	020039DC4	  	Alltel Corp	 	 	5,000,000	  	 	 	5,410,073	  	 	 	196,875	  	 	 	6,388,315	  	 	 	7.88	% 	 	7/1/2032
	52	  	02364WAP0	  	America Movil Sa de Cv	 	 	5,000,000	  	 	 	5,040,064	  	 	 	39,132	  	 	 	5,342,415	  	 	 	6.13	% 	 	11/15/2037
	52	  	025816AY5	  	American Express	 	 	7,000,000	  	 	 	7,963,695	  	 	 	138,835	  	 	 	8,153,411	  	 	 	7.00	% 	 	3/19/2018
	52	  	02666QD75	  	American Honda Finance	 	 	5,000,000	  	 	 	5,606,631	  	 	 	95,313	  	 	 	6,160,420	  	 	 	7.63	% 	 	10/1/2018
	52	  	031162AY6	  	Amgen Inc	 	 	4,480,000	  	 	 	4,761,128	  	 	 	25,760	  	 	 	5,435,154	  	 	 	6.90	% 	 	6/1/2038
	52	  	035229CW1	  	Anheuser Busch Companies	 	 	5,000,000	  	 	 	4,630,806	  	 	 	83,333	  	 	 	5,294,705	  	 	 	5.00	% 	 	3/1/2019
	52	  	042735AK6	  	Arrow Electronics Inc	 	 	7,000,000	  	 	 	7,787,518	  	 	 	242,083	  	 	 	7,231,280	  	 	 	7.50	% 	 	1/15/2027
	52	  	05529MAA0	  	BB&T Capital Trust I	 	 	5,000,000	  	 	 	4,987,046	  	 	 	108,063	  	 	 	4,656,915	  	 	 	5.85	% 	 	8/18/2035
	52	  	055921AA8	  	BMC Software Inc	 	 	5,000,000	  	 	 	4,976,009	  	 	 	30,208	  	 	 	5,784,555	  	 	 	7.25	% 	 	6/1/2018
	52	  	057224AK3	  	Baker Hughes Inc	 	 	3,975,000	  	 	 	4,183,199	  	 	 	126,013	  	 	 	4,773,907	  	 	 	6.88	% 	 	1/15/2029
	52	  	110122AC2	  	Bristol-Myers Squibb Co	 	 	5,500,000	  	 	 	6,130,124	  	 	 	157,552	  	 	 	6,174,498	  	 	 	6.88	% 	 	8/1/2097
	52	  	151327202	  	Centaur Funding	 	 	5,505	  	 	 	6,519,560	  	 	 	0	  	 	 	5,962,603	  	 	 	7.68	% 	 	N/A
	52	  	165087AL1	  	Bell Atlantic Virginia	 	 	5,000,000	  	 	 	6,277,141	  	 	 	104,688	  	 	 	5,653,515	  	 	 	8.38	% 	 	10/1/2029
	52	  	17275RAD4	  	Cisco Systems	 	 	8,000,000	  	 	 	7,564,790	  	 	 	178,311	  	 	 	8,860,040	  	 	 	5.90	% 	 	2/15/2039
	52	  	172967EP2	  	Citigroup Inc	 	 	3,000,000	  	 	 	2,986,852	  	 	 	66,458	  	 	 	3,327,717	  	 	 	6.88	% 	 	3/5/2038
	52	  	185508AF5	  	Cleco Power LLC	 	 	7,500,000	  	 	 	7,478,750	  	 	 	22,167	  	 	 	8,458,185	  	 	 	6.65	% 	 	6/15/2018
	52	  	19075QAB8	  	COBANK ACB	 	 	5,000,000	  	 	 	5,000,000	  	 	 	82,031	  	 	 	5,558,350	  	 	 	7.88	% 	 	4/16/2018
	52	  	20825CAQ7	  	Conoco Phillips	 	 	5,000,000	  	 	 	4,815,543	  	 	 	135,417	  	 	 	5,945,515	  	 	 	6.50	% 	 	2/1/2039
	52	  	22237AAB2	  	Countrywide Capital III	 	 	3,569,000	  	 	 	4,192,534	  	 	 	12,769	  	 	 	3,689,454	  	 	 	8.05	% 	 	6/15/2027
	52	  	22303QAH3	  	Covidien International	 	 	5,000,000	  	 	 	5,015,107	  	 	 	69,139	  	 	 	5,935,790	  	 	 	6.55	% 	 	10/15/2037
	52	  	224050AE4	  	Cox Enterprises	 	 	4,180,000	  	 	 	4,201,905	  	 	 	142,149	  	 	 	4,739,301	  	 	 	7.38	% 	 	7/15/2027
	52	  	22822RAR1	  	Crown Castle Towers LLC	 	 	5,000,000	  	 	 	5,518,372	  	 	 	13,584	  	 	 	5,216,605	  	 	 	6.11	% 	 	1/15/2020
	52	  	233835AQ0	  	Daimlerchrysler Na Hldg	 	 	5,000,000	  	 	 	6,153,726	  	 	 	192,431	  	 	 	6,681,215	  	 	 	8.50	% 	 	1/18/2031
	52	  	29250RAN6	  	Enbridge Energy Partners	 	 	5,000,000	  	 	 	5,267,092	  	 	 	68,611	  	 	 	5,713,305	  	 	 	6.50	% 	 	4/15/2018
	52	  	29476L784	  	Equity Residential Props	 	 	100,000	  	 	 	1,865,789	  	 	 	0	  	 	 	2,425,000	  	 	 	1.62	% 	 	N/A
	52	  	30251BAB4	  	FMR LLC	 	 	3,000,000	  	 	 	2,879,322	  	 	 	24,725	  	 	 	2,853,177	  	 	 	6.45	% 	 	11/15/2039

  
 C.1-1 

																											
	 Portfolio
	  	 CUSIP
	  	 Issuer Name
	 	Par Value ($)	 	 	Book Value
as of
Dec. 31,
2010 ($)	 	 	Accrued
Inc ($)	 	 	Market
Value as of
Dec. 31,
2010 ($)	 	 	Coupon	 	 	Maturity
Date
	52	  	30257V207	  	FPL Group Cap Trust I	 	 	250,000	  	 	 	6,250,000	  	 	 	0	  	 	 	6,215,000	  	 	 	1.47	% 	 	N/A
	52	  	337358BH7	  	Wachovia Corporation	 	 	1,000,000	  	 	 	1,258,558	  	 	 	31,558	  	 	 	1,142,299	  	 	 	7.57	% 	 	8/1/2026
	52	  	340711AT7	  	Flordia Gas Transmission	 	 	2,000,000	  	 	 	1,996,626	  	 	 	49,050	  	 	 	2,082,898	  	 	 	5.45	% 	 	7/15/2020
	52	  	341099CH0	  	Florida Power Company	 	 	5,000,000	  	 	 	5,337,086	  	 	 	93,486	  	 	 	5,736,270	  	 	 	6.35	% 	 	9/15/2037
	52	  	36228CQM8	  	GS Mortgage Securities Corp II	 	 	2,958,140	  	 	 	2,944,281	  	 	 	10,588	  	 	 	3,039,335	  	 	 	4.30	% 	 	1/10/2040
	52	  	36962G3U6	  	General Electric Capital Corp	 	 	3,000,000	  	 	 	2,983,652	  	 	 	28,125	  	 	 	3,271,542	  	 	 	5.63	% 	 	5/1/2018
	52	  	36962G4B7	  	General Electric Capital Corp	 	 	3,000,000	  	 	 	3,088,777	  	 	 	97,969	  	 	 	3,466,980	  	 	 	6.88	% 	 	1/10/2039
	52	  	40049JAT4	  	Grupo Televisa S.A.	 	 	4,000,000	  	 	 	3,817,861	  	 	 	103,889	  	 	 	5,148,972	  	 	 	8.50	% 	 	3/11/2032
	52	  	404280AF6	  	HSBC Holdings PLC	 	 	5,460,000	  	 	 	6,588,346	  	 	 	50,884	  	 	 	6,002,293	  	 	 	7.63	% 	 	5/17/2032
	52	  	40429C607	  	HSBC Finance Corporation	 	 	6,000,000	  	 	 	933,289	  	 	 	4,240	  	 	 	1,370,400	  	 	 	1.59	% 	 	6/15/2049
	52	  	406216AX9	  	Halliburton Company	 	 	7,500,000	  	 	 	8,146,131	  	 	 	135,813	  	 	 	8,614,133	  	 	 	6.15	% 	 	9/15/2019
	52	  	448055AF0	  	Husky Oil Ltd	 	 	5,000,000	  	 	 	5,298,828	  	 	 	16,111	  	 	 	5,937,030	  	 	 	7.25	% 	 	12/15/2019
	52	  	452252FH7	  	Illinois St Hwy Auth Toll High	 	 	7,000,000	  	 	 	7,000,000	  	 	 	216,440	  	 	 	6,854,750	  	 	 	6.18	% 	 	1/1/2034
	52	  	459902AR3	  	Intl Game Technology	 	 	2,500,000	  	 	 	2,656,787	  	 	 	8,333	  	 	 	2,814,155	  	 	 	7.50	% 	 	6/15/2019
	52	  	46626X203	  	JP Morgan Chase	 	 	80,000	  	 	 	2,000,000	  	 	 	0	  	 	 	2,018,400	  	 	 	1.56	% 	 	N/A
	52	  	49337WAC4	  	Keyspan Corp	 	 	5,921,000	  	 	 	7,206,203	  	 	 	60,526	  	 	 	7,362,912	  	 	 	8.00	% 	 	11/15/2030
	52	  	49446R869	  	Kimco Realty Corp	 	 	12,000	  	 	 	178,800	  	 	 	0	  	 	 	294,600	  	 	 	1.66	% 	 	N/A
	52	  	501044BZ3	  	Kroger Company	 	 	5,000,000	  	 	 	5,693,548	  	 	 	93,750	  	 	 	6,044,665	  	 	 	7.50	% 	 	4/1/2031
	52	  	631103AD0	  	Nasdaq OMX group	 	 	3,000,000	  	 	 	3,017,791	  	 	 	76,775	  	 	 	3,031,122	  	 	 	5.55	% 	 	1/15/2020
	52	  	641423BU1	  	Nevada Power Co	 	 	3,000,000	  	 	 	2,999,250	  	 	 	101,250	  	 	 	3,405,036	  	 	 	6.75	% 	 	7/1/2037
	52	  	644162AB5	  	New England Mutl	 	 	1,965,000	  	 	 	2,382,273	  	 	 	58,459	  	 	 	2,266,667	  	 	 	7.88	% 	 	2/15/2024
	52	  	681919AY2	  	Omnicom Group Inc	 	 	4,750,000	  	 	 	4,929,233	  	 	 	136,892	  	 	 	5,272,757	  	 	 	6.25	% 	 	7/15/2019
	52	  	69362BAJ1	  	PSEG Power	 	 	2,700,000	  	 	 	3,488,039	  	 	 	49,163	  	 	 	3,467,634	  	 	 	8.63	% 	 	4/15/2031
	52	  	69362BAN2	  	PSEG Power	 	 	4,000,000	  	 	 	3,901,395	  	 	 	18,333	  	 	 	4,389,536	  	 	 	5.50	% 	 	12/1/2015
	52	  	70213BAA9	  	Partnerre Finance B LLC	 	 	3,000,000	  	 	 	2,996,562	  	 	 	13,750	  	 	 	3,021,072	  	 	 	5.50	% 	 	6/1/2020
	52	  	71645WAP6	  	Petrobras Intl Finance	 	 	3,000,000	  	 	 	3,069,218	  	 	 	77,146	  	 	 	3,112,704	  	 	 	5.75	% 	 	1/20/2020
	52	  	717081CY7	  	Pfizer Inc	 	 	5,000,000	  	 	 	5,590,039	  	 	 	106,000	  	 	 	6,470,185	  	 	 	7.20	% 	 	3/15/2039
	52	  	717265AL6	  	Phelps Dodge Corporation	 	 	4,300,000	  	 	 	3,201,762	  	 	 	34,042	  	 	 	5,836,287	  	 	 	9.50	% 	 	6/1/2031
	52	  	76126CUH3	  	Racers 2005-20-S	 	 	15,000,000	  	 	 	7,038,416	  	 	 	0	  	 	 	6,998,864	  	 	 	0.00	% 	 	8/15/2096
	52	  	771196AS1	  	Roche Hldgs Inc	 	 	5,000,000	  	 	 	5,376,452	  	 	 	100,000	  	 	 	5,814,195	  	 	 	6.00	% 	 	3/1/2019
	52	  	78403DAB6	  	SBA Tower Trust	 	 	1,250,000	  	 	 	1,250,000	  	 	 	2,834	  	 	 	1,299,564	  	 	 	5.10	% 	 	4/15/2017
	52	  	78442FEJ3	  	SLM Corporation	 	 	2,500,000	  	 	 	2,295,092	  	 	 	53,333	  	 	 	2,534,763	  	 	 	8.00	% 	 	3/25/2020

  
 C.1-2 

																											
	 Portfolio
	  	 CUSIP
	  	 Issuer Name
	 	Par Value ($)	 	 	Book Value
as of
Dec. 31,
2010 ($)	 	 	Accrued
Inc ($)	 	 	Market
Value as of
Dec. 31,
2010 ($)	 	 	Coupon	 	 	Maturity
Date
	52	  	786005PM4	  	Sacramento CA Mun Dist Elec	 	 	7,750,000	  	 	 	7,750,000	  	 	 	62,605	  	 	 	7,453,330	  	 	 	6.32	% 	 	5/15/2036
	52	  	816300AD9	  	Selective Insurance Grp	 	 	5,500,000	  	 	 	6,013,752	  	 	 	50,951	  	 	 	5,225,066	  	 	 	7.25	% 	 	11/15/2034
	52	  	84755TAD9	  	Spectra Energy Capital	 	 	6,000,000	  	 	 	6,251,496	  	 	 	113,000	  	 	 	6,373,776	  	 	 	5.65	% 	 	3/1/2020
	52	  	87938WAH6	  	Telefonica Emisiones Sau	 	 	5,000,000	  	 	 	5,000,000	  	 	 	135,498	  	 	 	5,108,765	  	 	 	5.88	% 	 	7/15/2019
	52	  	882440AN0	  	Texas Gas Transmission	 	 	1,735,000	  	 	 	2,013,151	  	 	 	58,002	  	 	 	1,931,229	  	 	 	7.25	% 	 	7/15/2027
	52	  	887315BB4	  	Time Warner Inc	 	 	4,941,000	  	 	 	5,370,120	  	 	 	156,067	  	 	 	5,337,110	  	 	 	6.85	% 	 	1/15/2026
	52	  	88732JAW8	  	Time Warner Cable	 	 	500,000	  	 	 	506,704	  	 	 	10,417	  	 	 	514,569	  	 	 	5.00	% 	 	2/1/2020
	52	  	902133AG2	  	Tyco Electronics Group	 	 	3,000,000	  	 	 	3,289,524	  	 	 	53,438	  	 	 	3,445,890	  	 	 	7.13	% 	 	10/1/2037
	52	  	911684AD0	  	US Cellular Corp	 	 	5,000,000	  	 	 	5,099,164	  	 	 	14,889	  	 	 	4,856,815	  	 	 	6.70	% 	 	12/15/2033
	52	  	91311QAC9	  	United Utilities	 	 	500,000	  	 	 	534,425	  	 	 	12,986	  	 	 	532,984	  	 	 	6.88	% 	 	8/15/2028
	52	  	92857WAK6	  	Vodafone Group	 	 	7,500,000	  	 	 	7,623,101	  	 	 	126,979	  	 	 	8,396,385	  	 	 	5.75	% 	 	3/15/2016
	52	  	92928QAA6	  	WEA Finance LLC	 	 	4,000,000	  	 	 	3,975,201	  	 	 	60,167	  	 	 	4,601,480	  	 	 	7.13	% 	 	4/15/2018
	52	  	931142CK7	  	Wal-Mart Stores	 	 	5,000,000	  	 	 	5,182,344	  	 	 	122,778	  	 	 	5,874,240	  	 	 	6.50	% 	 	8/15/2037
	52	  	94979B204	  	Wells Fargo Cap Trust	 	 	12,000,000	  	 	 	3,000,068	  	 	 	29,250	  	 	 	3,000,000	  	 	 	1.46	% 	 	5/1/2033
	52	  	98372PAG3	  	XL Capital LTD	 	 	2,000,000	  	 	 	2,102,702	  	 	 	16,292	  	 	 	2,013,530	  	 	 	6.38	% 	 	11/15/2024
	52	  	98389BAK6	  	Xcel Energy Inc	 	 	690,000	  	 	 	739,865	  	 	 	9,682	  	 	 	748,767	  	 	 	5.61	% 	 	4/1/2017
	52	  	984119AC1	  	Xerox Capital Trust I	 	 	650,000	  	 	 	659,694	  	 	 	21,667	  	 	 	661,375	  	 	 	8.00	% 	 	2/1/2027
	52	  	984121BW2	  	Xerox Corp	 	 	3,000,000	  	 	 	2,535,474	  	 	 	24,342	  	 	 	3,381,732	  	 	 	6.35	% 	 	5/15/2018

  
 C.1-3 

			
	ECONOMIC RESERVE PORTFOLIO INVESTMENT GUIDELINES	  	C.2

 The Guidelines are the same as those attached as schedule IV to the reinsurance agreement, dated as of April 7, 2011, by
and between the Ceding Company as the ceding company thereunder and Raven Reinsurance Company, a Vermont special purpose financial captive insurance company and wholly-owned subsidiary of the Ceding Company, as the reinsurer thereunder. The Ceding
Company shall not consent to any amendment to the Guidelines without the prior consent of the Reinsurer (which shall not be unreasonably withheld). 

  
 C.2-1 

			
	SCHEDULE OF HEDGES	 	C.3

  

	I.	LISTING OF AGREEMENTS 

  

	 	•	 	Investment Services Agreement between Old Mutual Business Services, Inc. and Milliman Inc. dated July 1, 2006 

  

	 	•	 	ISDA Master Agreement dated November 1, 2007 between Barclays Bank PLC and the Ceding Company 

  

	 	•	 	Confirmation No. BN127015, Trade Date 11/15/10 

  

	 	•	 	Confirmation No. BN118974, Trade Date 8/20/10 

  

	 	•	 	Confirmation No. BN112766, Trade Date 5/28/10 

  

	 	•	 	Confirmation No. BN103846, Trade Date 2/26/10 

  

	 	•	 	Confirmation No. BN103064, Trade Date 2/16/10 

  

	 	•	 	ISDA Master Agreement dated September 22, 20008 between Credit Suisse International and the Ceding Company 

  

	 	•	 	Confirmation No. 54359328, Trade Date 11/30/10 

  

	 	•	 	Confirmation No. 52026491, Trade Date 11/15/10 

  

	 	•	 	Confirmation No. 54194953, Trade Date 8/16/10 

  

	 	•	 	Confirmation No. 54194956, Trade Date 8/16/10 

  

	 	•	 	Confirmation No. 54101803, Trade Date 5/17/10 

  

	 	•	 	Confirmation No. 54003538. Trade Date 2/16/10 

  
 C.3-1 

	II.	LISTING OF HEDGE BALANCES 

  

																			
	 Identifier
	  	Counterparty
Reference	  	Description	  	Index	  	Trade date	  	Option
type	  	Long / Short
flag	  	Expiration
date	  	Lower strike
price	 
	 10033
	  	BN103064	  	European Call Spread	  	SPX	  	2/16/2010	  	Call	  	Long	  	2/15/2011	  	 	1,105.82	  
	 10034
	  	54003538	  	European Call Spread	  	SPX	  	2/16/2010	  	Call	  	Long	  	2/15/2011	  	 	1,105.82	  
	 10035
	  	BN103846	  	European Call Spread	  	SPX	  	2/26/2010	  	Call	  	Long	  	2/15/2011	  	 	1,105.82	  
	 10036
	  	54101803	  	European Call Spread	  	SPX	  	5/17/2010	  	Call	  	Long	  	5/15/2011	  	 	1,148.31	  
	 10037
	  	BN112766	  	European Call Spread	  	SPX	  	5/28/2010	  	Call	  	Long	  	5/15/2011	  	 	1,148.31	  
	 10038
	  	54194953	  	European Call Spread	  	SPX	  	8/16/2010	  	Call	  	Long	  	8/15/2011	  	 	1,090.17	  
	 10039
	  	54194956	  	European Call Spread	  	SPX	  	8/16/2010	  	Call	  	Long	  	8/15/2011	  	 	1,079.38	  
	 10040
	  	BN118974	  	European Call Spread	  	SPX	  	8/20/2010	  	Call	  	Long	  	8/15/2011	  	 	1,090.17	  
	 10041
	  	BN127015	  	European Call Spread	  	SPX	  	11/15/2010	  	Call	  	Long	  	11/15/2011	  	 	1,209.73	  
	 10042
	  	52026491	  	European Call Spread	  	SPX	  	11/15/2010	  	Call	  	Long	  	11/15/2011	  	 	1,180.55	  
	 10043
	  	54359328	  	European Call Spread	  	SPX	  	11/30/2010	  	Call	  	Long	  	11/15/2011	  	 	1,209.73	  

  

																															
	 Identifier
	  	Upper
strike price	 	  	Notional	 	  	Number
of units	 	  	Unit
price	 	  	Net amount	 	  	Broker	  	Unit
market
value	 	  	Total market
value	 
	 10033
	  	 	1,226.25	  	  	 	82,000,000	  	  	 	74,895	  	  	 	48.61	  	  	 	3,640,797.90	  	  	Barclays Capital	  	 	107.71	  	  	 	8,067,078.00	  
	 10034
	  	 	1,259.10	  	  	 	27,000,000	  	  	 	24,660	  	  	 	57.15	  	  	 	1,409,400.00	  	  	Credit Suisse	  	 	130.64	  	  	 	3,221,640.00	  
	 10035
	  	 	1,226.25	  	  	 	7,178,217	  	  	 	6,556	  	  	 	49.98	  	  	 	327,679.88	  	  	Barclays Capital	  	 	107.71	  	  	 	706,185.81	  
	 10036
	  	 	1,273.37	  	  	 	93,000,000	  	  	 	81,799	  	  	 	54.57	  	  	 	4,464,000.00	  	  	Credit Suisse	  	 	87.18	  	  	 	7,131,519.00	  
	 10037
	  	 	1,307.48	  	  	 	11,207,926	  	  	 	9,858	  	  	 	54.11	  	  	 	533,414.76	  	  	Barclays Capital	  	 	103.08	  	  	 	1,016,121.80	  
	 10038
	  	 	1,208.91	  	  	 	93,500,000	  	  	 	86,624	  	  	 	52.89	  	  	 	4,581,500.00	  	  	Credit Suisse	  	 	88.98	  	  	 	7,707,953.00	  
	 10039
	  	 	1,241.29	  	  	 	7,000,000	  	  	 	6,485	  	  	 	68.76	  	  	 	445,900.00	  	  	Credit Suisse	  	 	118.46	  	  	 	768,222.00	  
	 10040
	  	 	1,208.91	  	  	 	6,774,998	  	  	 	6,277	  	  	 	50.70	  	  	 	318,231.23	  	  	Barclays Capital	  	 	88.98	  	  	 	558,517.32	  
	 10041
	  	 	1,341.48	  	  	 	108,300,000	  	  	 	90,420	  	  	 	54.20	  	  	 	4,900,575.00	  	  	Barclays Capital	  	 	68.06	  	  	 	6,154,364.10	  
	 10042
	  	 	1,357.63	  	  	 	7,000,000	  	  	 	5,844	  	  	 	69.71	  	  	 	407,400.00	  	  	Credit Suisse	  	 	93.05	  	  	 	543,830.00	  
	 10043
	  	 	1,341.48	  	  	 	5,855,268	  	  	 	4,960	  	  	 	52.55	  	  	 	260,625.03	  	  	Credit Suisse	  	 	67.09	  	  	 	332,737.31	  

  
 C.3-2 

			
	HEDGE GUIDELINES	 	C.4

 Equity Indexed Universal Life Hedging Strategy – Ceded Business 

Full static hedging is utilized within the IUL hedging. OTC options (SPX) are purchased quarterly (February 15th, May 15th, August 15th and
November 15th) with characteristics (e.g., the exact same reset or issue date, underlying index, term in years, crediting type, spread and cap) that mimic those of the embedded derivative within the policy. The option notional amount will match
the sum of the account value of the policies without adjustment for policyholder behavior or operational breakage, unless otherwise instructed by the Investment Committee. 

Hedge effectiveness will be measured monthly, with consideration of the mismatch of notional, market value, delta, gamma and vega. Variances will be
quantified and reported to the Investment Committee. Rebalancing of Greek exposures is not considered. 
 Utilization of this strategy should minimize
Earnings at Risk2, Cash Flow at Risk3 and Capital at Risk4, with the market value of the
option and embedded derivative moving in lockstep and cashflows at maturity being equal and offsetting. Risks to this strategy could include counterparty default, a higher than expected level of decrements and operational breakage. 

 

	2 	Earnings at risk is the profit and loss of the hedging program. 

	3 	Cashflow at Risk is the sum of the cashflows the Company expects to either receive or pay out at a specific point in time. Any deficiency in cash flow at maturity of the embedded derivative would have to be funded from
general account assets, creating a loss for the Company. 

	4 	Capital at Risk will also be measured and monitored, though specific risk tolerances will not be defined. Consideration needs to be given to how capital intensive EIUL products are. While it is not an item that can be
hedged, capital is a scarce resource. The higher the level of sales, the more capital required. 

  
 C.4-1 

 ANNEX D 

ALLOWANCE ADJUSTMENTS 
  

					
	RESULTS DURING THE INTERIM PERIOD	  	 	D.1	  

 As respects each full or partial Quarterly Accounting Period in the Interim Period, the parties will determine a notional
quarterly settlement with respect to the Third Amendment Additional Policies as follows: 
 i. Ongoing Net Reinsurance Premiums under
Section 4.2 and 4.3 of the Reinsurance Agreement; less 
 ii. Ceded reinsurance benefits under Article 7 of the Reinsurance Agreement,
net of recoveries thereon under the terms of any applicable Other Reinsurance; plus or minus 
 iii. The Third Amendment Quota Share of any
Hedge Proceeds, Hedge Funding or other Hedging Results under Section 11 of Amendment No. 3; less 
 iv. Continuing allowances
under Section 6 of Amendment No. 3; minus 
 v. Notional financing costs with respect to Excess Reserves stipulated to be 150
basis points per annum, plus or minus 
 vi. The Third Amendment Quota Share of Mean Reserve Adjustment; plus or minus 

vii. The Coinsurance Investment Income. 
 The
foregoing “Notional Quarterly Settlement” will be deemed notionally payable to the Reinsurer at and as of the Third Amendment Closing Date if positive and, if negative, the absolute value of such amount will be deemed notionally
payable to the Ceding Company at such date. Notional payments will be carried forward from the last business day of the subject Quarterly Accounting Period (or part thereof) to the Third Amendment Closing Date with interest at a per annum rate of
5.50% compounded quarterly. The aggregate net balance of all Notional Quarterly Settlements, adjusted for interim notional accruals of interest, will then be netted/accumulated and (i) if the resulting balance is positive, deducted from the
amount of the Third Amendment Ceding Allowance (thereby increasing the absolute value of such negative Third Amendment Ceding Allowance) and, if negative, added to the amount of the Third Amendment Ceding Allowance (thereby decreasing the absolute
value of such negative Third Amendment Ceding Allowance). The parties acknowledge and agree that, following such adjustment, the amount of the Third Amendment Ceding Allowance may be less than zero, in which event the absolute value of such amount
shall be paid by the Ceding Company to the Reinsurer under Section 4 of Amendment No. 3. 
 Adjustment for Excluded Assets 

To the extent (i) the Economic Reserve Portfolio includes or has included at any time during the Interim Period any Excluded Assets or has failed to
include any assets in respect of which investment was directed by the Reinsurer in accordance with the provisions of Section 10 or (ii) the Ceding Company has otherwise failed to implement properly documented requests made by the Reinsurer
(each, a “Section 10 Direction”), with respect to the management of the Economic Reserve Portfolio made in accordance with and subject to the limitations set forth in the provisions of Section 10 hereof (each of the
forgoing conditions being referred to as an “Excluded Asset Condition”) it is the intention of the parties to (x) fairly and equitably allocate the Coinsurance Investment Income associated with any such Excluded Assets to the
Ceding Company and exclude such Coinsurance Investment Income from the determination of the aggregate net balance of all the Notional Quarterly Settlements, (y) include in the determination of the aggregate net balance of all the Notional
Quarterly Settlements in lieu thereof a reasonably and equitably determined surrogate investment income representing fairly the likely results of investment in the assets so directed by the Reinsurer at the time of such direction by the Reinsurer
and (z) adjust otherwise the aggregate net balance of all Notional Quarterly Settlements to restore the Reinsurer to the pre-tax economic position it would have occupied had each Section 10 Direction of the Reinsurer been timely and
properly 

  
 D.1-1 

 
implemented and no Excluded Asset Condition had occurred during the Interim Period. The net additional amount payable to or by the Ceding Company in order to provide the foregoing assurance
respect of the foregoing is referred to as the “Excluded Asset Adjustment”). 
 Accordingly, the parties hereby agree that if either party
believes in good faith that the Excluded Asset Adjustment exceeds $150,000 (the “Threshold Amount”) such party may propose the amount of such adjustment to be paid in connection with the Third Amendment Closing. More
specifically: 
 (1) To the extent the Economic Reserve Portfolio includes as of the Third Amendment Closing Date or has at any time during the Interim
Period included any Excluded Assets or any other Excluded Asset Condition shall have occurred during the Interim Period, and, as a result, the Reinsurer believes in good faith that an Excluded Asset Adjustment is due to the Reinsurer in an amount in
excess of the Threshold Amount, the Reinsurer may, within thirty (30) days prior to the Third Amendment Closing Date, deliver to the Ceding Company its good faith calculation of the estimated Excluded Asset Adjustment determined as of the Third
Amendment Closing Date, together with supporting documentation and calculated in manner consistent with the provisions of this Annex D. In the absence of any unresolved dispute with respect thereto, such estimated Excluded Asset Adjustment shall be
included in the determinations of the aggregate net balance of all Notional Quarterly Settlements. 
 (2) To the extent the Economic Reserve Portfolio
includes as of the Third Amendment Closing Date or has at any time during the Interim Period included any Excluded Assets or any other Excluded Asset Condition shall have occurred during the Interim Period, and the Ceding Company believes in good
faith that an Excluded Asset Adjustment is due to the Ceding Company in an amount in excess of the Threshold Amount, the Ceding Company may, within thirty (30) days prior to the Third Amendment Closing Date, deliver to the Reinsurer its good
faith calculation of the expected Excluded Asset Adjustment determined as of the Third Amendment Closing Date, together with supporting documentation and calculated in manner consistent with the provisions of this Annex D. In the absence of any
unresolved dispute with respect thereto, such estimated Excluded Asset Adjustment shall be included in the determination of the aggregate net balance of all Notional Quarterly Settlements. 

(3) In the event that the Ceding Company and the Reinsurer are unable to agree on the Excluded Assets Adjustment, if any, prior to the Third Amendment Closing
Date, the Excluded Assets Adjustment shall be deemed provisionally to equal the Excluded Assets Adjustment proposed by the Reinsurer adjusted to reflect 50% of the amount in controversy as reflected in the notices delivered by the Reinsurer and the
Ceding Company pursuant to Section (1) and (2) above. 
 (4) The parties acknowledge and agree that any determination of Excluded Asset
Adjustment, if required, will require the exercise of elements of judgment under the circumstances as to which reasonable people may disagree. The parties acknowledge and agree that in any such circumstances the Reinsurer’s good faith judgments
as to the amount of the Excluded Asset Adjustment, the bases therefor and the components thereof shall, if calculated or determined in a manner consistent with the provisions of this Annex D and the intentions of the parties described above, be
binding on the parties unless demonstrated to be unreasonable or inconsistent with the intentions of the parties as described above given the totality of facts and circumstances concerning the management of the Economic Reserve Portfolio during the
Interim Period. 
 (5) The parties agree and acknowledge that any determination of the Excluded Assets Adjustment pursuant to items (1) through
(4) above shall be an estimate of such amounts as of the applicable date of determination. The parties agree to cooperate in good faith following the Third Amendment Closing Date to determine the actual Excluded Asset Adjustment, as applicable,
determined as of the Third Amendment Closing Date in manner consistent with the provisions of this Annex D. The Ceding Company and the Reinsurer shall resolve any 

  
 D.1-2 

 
disagreement with respect to the determination of the Excluded Assets Adjustment in accordance with the provisions of Article 16 (Disputes Resolution) and Article 17 (Arbitration) of the
Reinsurance Agreement. For the avoidance of doubt, it is the intention of the parties that the closing under Amendment No. 3 will be consummated notwithstanding any disagreements with respect to the Excluded Assets Adjustment. Accordingly,
agreement on the Excluded Assets Adjustment, as applicable, shall not be constitute a Third Amendment Condition Precedent, and neither party hereto shall assert the failure of a Third Amendment Condition Precedent due to any disagreement described
in this item (5). 
 Certain Definitions 

Notwithstanding anything set forth in Amendment No. 3 to the contrary, for the purposes of this Annex D-1, the following terms have the meanings ascribed
below: 
 “Coinsurance Investment Income” as to any Quarterly Accounting Period means (a) The Third Amendment Quota Share of the
actual investment returns with respect to the Economic Reserve Portfolio with respect to such period determined consistent with applicable statutory accounting principles, including (i) net investment income (net of investment expenses up to a
cap of 7 basis points per annum; provided, however, that such cap shall not apply as respects any fees or expenses incurred in excess of 7 basis points per annum charged by a new Economic Reserve Portfolio Manager appointed at the
request or direction or with the prior written consent of the Reinsurer) plus or minus, as the case may be, any related amounts of amortization of IMR effective for such period, (ii) realized capital gains and capital losses, net of any related
amounts of capitalization of IMR effective for such period and (iii) asset write-downs resulting from other-than-temporary impairments or other asset write-downs each as mandated by applicable statutory accounting principles plus (b) the
Third Amendment Quota Share of interest on policy loans earned with respect to such period. For purposes of the foregoing computations, amounts of amortization and capitalization of IMR will be determined (x) without regard as to whether any
debit balance of the IMR would constitute an admitted asset for statutory reporting purposes and (y) before consideration of federal income taxes, including, without limitation, taxes with respect to capital gains and capital losses. For
purposes of clarity, Coinsurance Investment Income shall be determined without consideration of Hedging Results. For the avoidance of doubt and administrative convenience, the parties agree that the Coinsurance Investment Income may be calculated
with respect to any Quarterly Accounting Period as (1) Coinsurance Investment Income calculated with respect to all of the assets in the Funds Withheld Account (instead of with respect to the Economic Reserve Portfolio) with respect to such
period times (2) the Third Amendment Quota Share of the value of the assets in the Economic Reserve Portfolio divided by the Third Amendment Quota Share of the total value of all the assets in the Funds Withheld Account, such values determined
consistent with applicable statutory accounting principles. 
 “Economic Reserves” for any Quarterly Accounting Period means Economic
Reserves determined with respect to the Third Amendment Additional Policies in accordance with the provisions of Annex A-3 to this Amendment No. 3, provided, however, that for purposes of this Annex D-1, Economic Reserves (1) shall include
the amount of IMR, if any, attributable to assets included in the initial Economic Reserve Portfolio and created since the date of this Amendment No. 3, and (2) shall be determined as of the Last Day of the Current Quarterly Accounting
Period unless otherwise specified in this Annex D-1. 
 “Economic Reserve Portfolio” has the meaning set forth in Section 10 hereof
and, for the sake of clarity, shall include at all times assets adequate to support the Economic Reserves at such time that individually and in the aggregate comport with the requirements of the Guidelines. For the sake of clarity, the parties now
expect that that the Economic Reserve Portfolio will be principally constituted through the Funds Withheld Account. 

  
 D.1-3 

 “Excess Reserves” for any Quarterly Accounting Period means an amount (which shall not be less
than zero) equal to The Third Amendment Quota Share of the difference between Statutory Reserves and Economic Reserves, each as determined as of the Last Day of the Current Quarterly Accounting Period. 

“Excluded Assets” has the meaning set forth in Section 10 hereof. 

“Funds Withheld Account” means the funds withheld account maintained by the Ceding Company for the benefit of its affiliate Raven Reinsurance
Company, certain proceeds of which will be distributed to the Reinsurer as part of the initial settlement under Section 4 hereof. 
 “Last Day
of the Current Quarterly Accounting Period” means as to any Quarterly Accounting Period the last day of the last month included in such calendar quarter. 

“Last Day of the Preceding Quarterly Accounting Period” as to any Quarterly Accounting Period means the last day of the last month included
in the Quarterly Accounting Period immediately preceding such period. 
 “Mean Reserve Adjustment” as to any Quarterly Accounting Period
equals (1) minus (2) where: 
  

	 	(1)	equals the excess of the Economic Reserves over the positive value of any Hedge Balance (or, alternatively, the Economic Reserves plus the negative value of any Hedge Balance), each determined as of the Last Day of the
Current Quarterly Accounting Period, except that for the Terminal Accounting Period it shall equal the Economic Reserves and any Hedge Balance determined immediately prior to termination; and 

 

	 	(2)	equals the excess of the Economic Reserves over the positive value of any Hedge Balance (or, alternatively, the Economic Reserves plus the negative value of any Hedge Balance), each determined as of the Last Day of the
Preceding Quarterly Accounting Period, except that for the initial Quarterly Accounting Period, it shall equal the Economic Reserves and any Hedge Balance determined as of the Signing Date. 

“Quarterly Accounting Period” means, for the year in which this Amendment No. 3 becomes effective, the period beginning on
January 1, 2011 and ending on the Last Day of the Current Quarterly Accounting Period. Thereafter, the period beginning on the day following the Last Day of the Preceding Quarterly Accounting Period and ending on the Last Day of the Current
Quarterly Accounting Period. 
 “Statutory Reserves” for any Quarterly Accounting Period means the gross reserves (including deficiency
reserves) in respect of the Third Amendment Additional Policies (other than with respect to benefits excluded from coverage hereunder) determined as of the Last Day of the Current Quarterly Accounting Period. 

“Terminal Accounting Period” means the period commencing on the day following the Last Day of the Preceding Quarterly Accounting Period and
ending on the Third Amendment Closing Date or such other date as shall be mutually agreed as such by the parties in writing. 
 Notes 

All amounts determined exclusive of Extracontractual Obligations. 

  
 D.1-4 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
 ANNEX E

 UNDERWRITING DEVIATIONS – BOILERMAKERS 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-1 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-2 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-3 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-4 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3

  
 E-5 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-6 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3

  
 E-7 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3

  
 E-8 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-9 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3

  
 E-10 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3

  
 E-11 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	F	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-12 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-13 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-14 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3

  
 E-15 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3

  
 E-16 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-17 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-18 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-19 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-20 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3

  
 E-21 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3

  
 E-22 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	100,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 3
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5

  
 E-23 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5

  
 E-24 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5

  
 E-25 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5

  
 E-26 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5

  
 E-27 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

											
	 New Policy Number
	  	Face Amount	 	  	Male/Female	  	Tobacco	  	Rating
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  		  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5
	 [***]
	  	$	50,000.00	  	  	M	  	Yes	  	Table 5

  
 E-28 

 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

ANNEX F 
 MATERIAL
LITIGATION5 
  

																											
	 Case
	  	State	  	Attorney	  	Litigation
Type	  	Contract
Type	  	Alleged
Wrongful
Acts	  	Policy
Limits	 	  	Policy
Number	 	  	Insured	  	Claimant	  	Date
Lawsuit/
Demand
Received	  	Covered by
Amendment
2 or 3
	 [***]
	  	MS	  	[***]	  	Claim	  	Life	  	Dispute
over
entitlement
to death
benefit.	  	$	500,000	  	  	 	[***]	  	  	[***]	  	[***]	  	9/12/2008	  	2
and
3
												
	 [***]
	  	FL	  	[***]	  	Claim -
Disability
Rider	  	Life	  	Dispute
over
entitlement
to
disability
benefit	  	$	250,000	  	  	 	[***]	  	  	[***]	  	[***]	  	6/28/2010	  	3
												
	 [***]
	  	CA	  	[***]	  	Claim	  	Life	  	Dispute
over
rescinded
policy	  	$	250,000	  	  	 	[***]	  	  	[***]	  	[***]	  	8/12/2010	  	3

  

	5 	Inclusion of policies on this Annex F is without prejudice to the determination of whether such policies are Third Amendment Additional Policies under this Amendment No. 3. References on this Annex F to
“OMFLIC” refer to the Ceding Company. 

  
 F-1

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00222-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00222-of-00352.parquet"}]]