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INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 4 to Registration
Statement No. 333-36136 of Hartford Life Insurance Company Separate Account
Two on Form N-4, of our report dated February 19, 2003 of Hartford Life
Insurance Company relating to the financial statements as of and for the year
ended December 31, 2002, 2001 and 2000, and of our report dated February 21,
2003 of Hartford Life Insurance Company Separate Account Two relating to the
financial statements as of and for the year ended December 31, 2002,
appearing in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the headings
"Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
October 20, 2003Filed by Automated Filing Services Inc. (604) 609-0244 - Medicure Inc. - Exhibit 4-N

MEDICURE INC. 

STOCK OPTION PLAN 

	1.	Purpose. The purpose of the Stock
        Option Plan (the “Plan”) of Medicure Inc. (the “Corporation”),
        a Corporation incorporated under the federal laws of Canada, is to advance
        the interests of the Corporation by encouraging its directors, management,
        consultants and employees to acquire shares in the Corporation, thereby
        increasing their proprietary interest in the Corporation, encouraging
        them to remain associated with the Corporation and furnishing them with
        additional incentive in their efforts on behalf of the Corporation in
        the conduct of its affairs.

	 	 
	2.	
        Administration. The Plan shall be administered by the board
          of directors of the Corporation. A majority of the board of directors
          shall constitute a quorum, and the acts of a majority of the directors
          present at any meeting at which a quorum is present, or acts unanimously
          approved in writing, shall be the acts of the directors.

         Subject to the provisions of the Plan, the board of directors shall
          have authority to construe and interpret the Plan and all option agreements
          entered into thereunder, to define the terms used in the Plan and in
          all option agreements entered into thereunder, to prescribe, amend and
          rescind rules and regulations relating to the Plan, subject to any necessary
          regulatory approvals in accordance with Section 634 of the Toronto Stock
          Exchange’s (“TSE’s”) company manual, and to make
          all other determinations necessary or advisable for the administration
          of the Plan. All determinations and interpretations made by the board
          of directors shall be binding and conclusive on all participants in
          the Plan and on their legal personal representatives and beneficiaries.

         Each option granted hereunder shall be evidenced by an agreement,
          signed on behalf of the Corporation and by the optionee, in such form
          as the directors shall approve. Each such agreement shall recite that
          it is subject to the provisions of this Plan.

      

	 	 
	3.	Shares Subject to Plan. Subject
        to adjustment as provided in Section 14 hereof, the shares to be offered
        under the Plan shall consist of shares of the Corporation’s authorized
        but unissued common shares. The aggregate number of shares reserved to
        be delivered upon the exercise of all options granted under the Plan is
        currently fixed at 3,700,000. If any option granted hereunder shall expire
        or terminate for any reason without having been exercised in full, the
        unpurchased shares subject thereto shall again be available for the purpose
        of this Plan.

	 	 
	4.	Maintenance of Sufficient Capital.
        The Corporation shall at all times during the term of this Plan reserve
        and keep available such numbers of shares as will be sufficient to satisfy
        the requirements of the Plan.

 

	5.	Eligibility and Participation.
        Directors, officers, management, consultants and employees of the
        Corporation shall be eligible for selection to participate in the Plan
        (such persons hereinafter collectively referred to as “Participants”).
        The board of directors shall determine to whom options shall be granted,
        the terms and provisions of the respective option agreements, the time
        or times at which such options shall be granted, and the number of shares
        to be subject to each option. An individual who has been granted an option
        may, if he is otherwise eligible, and if permitted under the policies
        of the stock exchange or stock exchanges on which the shares of the Corporation
        are to be listed, be granted an additional option or options if the directors
        shall so determine.

	 	 
	6.	Exercise Price

	 	 	 
	 	(a)
	The exercise price
        of the shares covered by each option shall be determined by the directors.
        Subject to the provisions of Section 6(b), the exercise price shall be
        not less than the closing price of the Corporation’s shares on the
        primary stock exchange on which the shares of the Corporation are listed
        on the last trading day immediately preceding the day on which the option
        is granted;

	 	 	 
	 	(b)
	If an option is granted
        within six months of a public distribution of the Corporation’s shares
        by way of prospectus, then the minimum exercise price of such option shall,
        if the policy of such stock exchange or stock exchanges requires, be the
        greater of the price determined pursuant to Section 6(a) and the price
        per share paid by the investing public for shares of the Corporation acquired
        by the public during such public distribution, determined in accordance
        with the policy of such stock exchange or stock exchanges.

	 	 
	7.	Number of Optioned Shares.
        The number of Shares subject to an option to a Participant shall be
        determined in the resolution of the board of directors, but no Participant
        shall be granted an option which exceeds 5% of the issued and outstanding
        shares of the Corporation (on a non-diluted basis).

	 	 
	8.	Duration of Option. Each
        option and all rights thereunder shall be expressed to expire on the date
        set out in the option agreements and shall be subject to earlier termination
        as provided in paragraphs 10 and 11.

	 	 
	9.	Option Period, Consideration
        and Payment.

	 	 	 
	 	(a)
	The Option Period shall
        be a period of time fixed by the board of directors, not to exceed five
        years from the date the Option is granted, provided that the Option Period
        shall be reduced with respect to any option as provided in Sections 10
        and 11covering cessation as a director, officer, consultant or employee
        of the Corporation or death of the Participant. 

	 	 	 
	 	(b)
	An Option shall vest and
        may be exercised (in each case to the nearest full Share) during the Option
        Period in such manner as the board of directors may fix by

 

	 	 	resolution. Options which have vested
        may be exercised in whole or in part at any time and from time to time
        during the Option Period.

	 	 	 
	 	(c)	Except as set forth in Section 10 and
        11, no Option may be exercised unless the Participant is at the time of
        such exercise a director, officer, manager, consultant, or employee of
        the Corporation. In the case of a consultant, where the Option has been
        granted for a specific service, the Option may be exercised only upon
        completion of that service.

	 	 	 
	 	(d)	The exercise of any Option will be contingent
        upon receipt by the Corporation at its head office of a written notice
        of exercise, specifying the number of Common Shares with respect to which
        the Option is being exercised, accompanied by cash payment, certified
        cheque or bank draft for the full purchase price of such Common Shares
        with respect to which the Option is exercised. No Participant or his legal
        representatives, legatees or distributes will be, or will deemed to be,
        a holder of any Shares subject to an Option under this Plan, unless and
        until the certificate for such Shares are issued to him or them under
        the terms of the Plan.

	 	 
	10.	
        Ceasing to Be a Director, Consultant, Officer, Manager, Consultant
          or Employee. If a Participant shall cease to be a director, officer,
          manager, consultant or employee of the Corporation or a company for
          any reason (other than death), he may, but only within the earlier of
          the original expiry date and 90 days next succeeding his ceasing to
          be a director, officer, manager, consultant, or employee, exercise his
          Option to the extent that he was entitled to exercise it at the date
          of such cessation.

         Nothing contained in the Plan, nor in any Option granted pursuant
          to the Plan, shall as such confer upon any Participant any right with
          respect to continuance as a director, officer, manager, consultant or
          employee of the Corporation or of any affiliate.

      

	 	 
	11.	Death of Participant. In the event of
      the death of a Participant, the Option previously granted to him shall be
      exercisable only within the twelve months next succeeding such death and
      then only:
	 	 	 
	 	(a)	by the person or persons to whom the
        Participant’s rights under the Option shall pass by the Participant’s
        will or the laws of descent and distribution; and

	 	 	 
	 	(b)	if and to the extent that he was entitled
        to exercise the Option at the date of his death.

	 	 	 
	12.	Right of Optionee. No
        person entitled to exercise any option granted under the Plan shall have
        any of the rights or privileges of a shareholder of the Corporation in
        respect of any shares issuable upon exercise of such option until certificates
        representing such shares shall have been issued and delivered.

      

 

	13.	Proceeds from Sales of Shares. The
        proceeds from sales of shares issued upon the exercise of options shall
        be added to the general funds of the Corporation and shall thereafter
        be used from time to time for such corporate purposes as the board of
        directors may determine and direct.

	 	 
	14.	
        Adjustments. If the outstanding shares of the Corporation are
          increased, decreased, changed into or exchanged for a different number
          or kind of shares of securities of the Corporation through re-organization,
          merger, re-capitalization, re-classification, stock dividend, subdivision
          or consolidation, an appropriate and proportionate adjustment shall
          be made in the maximum number of kind of shares as to which options
          may be granted under the Plan. A corresponding adjustment changing the
          number or kind of shares allocated to unexercised options or portions
          thereof, which shall have been granted prior to any such change, shall
          likewise be made. Any such adjustment in the outstanding options shall
          be made without change in the aggregate purchase price applicable to
          the unexercised portion of the option but with a corresponding adjustment
          in the price for each share or other unit of any security covered by
          the option.

        Upon the liquidation or dissolution of the Corporation or upon a re-organization,
          merger or consolidation of the Corporation with one or more corporations
          as a result of which the Corporation is not the surviving corporation,
          or upon the sale of substantially all of the property or more than eighty
          (80 %) percent of the then outstanding shares of the Corporation to
          another corporation, the Plan shall terminate, and any options theretofore
          granted hereunder shall terminate unless provision is made in writing
          in connection with such transaction for the continuance of the Plan
          and for the assumption of options theretofore granted, or the substitution
          for such options of new options covering the shares of a successor employer
          corporation, or a parent or subsidiary thereof, with appropriate adjustments
          as to number and kind of shares and prices, in which event the Plan
          and options theretofore granted shall continue in the manner and upon
          the terms so provided. If the Plan and unexercised options shall terminate
          pursuant to the foregoing sentence of all persons then entitled to exercise
          is an unexercised portion of options then outstanding shall have the
          right at such time immediately prior to consummation of the event which
          results in the termination of the Plan as the Corporation shall designate,
          to exercise their options to the full extent not theretofore exercised.

         Adjustments under this Section shall be made by the board of directors,
          subject to the approval of the primary stock exchange on which the shares
          of the Corporation are listed, whose determination as to what adjustments
          shall be made, and the extent thereof, shall be final, binding and conclusive.
          No fractional share shall be issued under the Plan on any such adjustment.

      

	 	 
	15.	Transferability. All benefits,
        rights and options accruing to any Participant in accordance with the
        terms and conditions of the Plan shall not be transferable or assignable
        unless specifically provided herein. During the lifetime of a Participant
        any benefits, rights and Options may only be exercised by the Participant.

 

	16.	Amendment and Termination of Plan.
        The board of directors may, at any time, suspend or terminate the
        Plan. The board may also at any time amend or revise the terms of the
        Plan, PROVIDED that no such amendment or revisions shall alter the terms
        of any options theretofore granted under the Plan.

	 	 
	17.	Necessary Approvals. The obligation
        of the Corporation to issue and deliver Shares in accordance with the
        Plan is subject to any approvals which may be required from any regulatory
        authority or stock exchange having jurisdiction over the securities of
        the Corporation. If any Shares cannot be issued to any Participant for
        whatever reason, the obligation of the Corporation to issue such Shares
        shall terminate and any Option exercise price paid to the Corporation
        will be returned to the Participant.

	 	 
	18.
 	Stock Exchange Rules. The rules
        of any stock exchange upon which the Corporation’s Shares are listed
        shall be applicable relative to options granted to Participants.

	 	 
	19.	Effective Date of Plan. The Plan
        has been adopted by the board of directors of the Corporation subject
        to the approval of the stock exchange or stock exchanges on which the
        Shares of the Corporation are to be listed and, if so approved, the Plan
        shall became effective upon such approvals being obtained.

	 	 
	20.	Interpretation. The Plan will
        be governed by and construed in accordance with the laws of Canada.

IN WITNESS WHEREOF the Corporation has caused its corporate
  seal to be affixed hereto in the presence of its officers duly authorized in
  that behalf as of the 4th day of February, 2002.

MEDICURE INC. 
  

  

    Per: ________________________________________

  

    Per: ________________________________________

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