Document:

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 

  
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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 

  
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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 

  
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(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 

  
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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 

  
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 allowance equal to $112,250,000 (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

  
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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

  
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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 

  
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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.

  
 10 

 (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-1EX-10.24

 Exhibit 10.24 

Employee Stock Option Agreement 

This Employee Stock Option Agreement (the “Agreement”), dated as of November 2, 2011, between Fidelity &
Guaranty Life Holdings, Inc., a Delaware corporation, and the Employee whose name appears on the signature page hereof, is being entered into pursuant to the Fidelity & Guaranty Life Holdings, Inc. Stock Incentive Plan. 

The Company and the Employee hereby agree as follows: 

Section 1. Certain Definitions. Capitalized terms used in this Agreement and not defined herein shall have the respective meaning
ascribed to such terms in the Plan. The following additional terms shall have the following meanings: 
 “Aggregate Price”
has the meaning set forth in Section 5(a). 
 “Agreement” means this Employee Stock Option Agreement, as amended from
time to time in accordance with the terms hereof 
 “Employee” means the grantee of the Options, whose name is set forth on
the signature page of this Agreement; provided that following such person’s death “Employee” shall be deemed to include such person’s beneficiary or estate and following such person’s Disability, “Employee”
shall be deemed to include such person’s legal representative. 
 “Exercise Date” has the meaning set forth in
Section 5(a). 
 “Exercise Price” has the meaning set forth in Section 5(a). 

“Financing Agreements” means any guaranty, financing or security agreement or document entered into by the Company or any
Subsidiary from time to time. 
 “Grant Date” means the date hereof, which is the date on which the Options are granted to
the Employee. 
 “Normal Termination Date” has the meaning set forth in Section 4(a). 

“Securities Act” means the Securities Act of 1933, as amended, and the rules and regulations promulgated thereunder. 

“Valuation Date” means the date of a valuation of the Common Stock performed by an independent valuation firm, such valuation
to be performed not less than annually. 

 Section 2. Grant of Options 

(a) Confirmation of Grant. The Company hereby evidences and confirms, effective as of the date hereof, its grant to the Employee of
Options to purchase the number of shares of Common Stock specified on the signature page hereof. The Options are not intended to be incentive stock options under the Code. This Agreement is entered into pursuant to, and the terms of the Options are
subject to, the terms of the Plan. If there is any inconsistency between this Agreement and the terms of the Plan, the terms of the Plan shall govern. 

(b) Exercise Price. Each share of Common Stock covered by an Option shall have the Exercise Price specified on the signature page
hereof. 
 Section 3. Vesting and Exercisability. 

(a) Vesting. Except as otherwise provided in Section 3(b) or Section 8 of this Agreement, the Options shall become vested in
three equal installments on each of the first through third anniversaries of the Grant Date, subject to the continuous employment of the Employee with the Company until the applicable vesting date; provided that if the Employee’s employment
with the Company is terminated by the Company or any of its Subsidiaries without Cause, any Options held by the Employee shall immediately vest as of the effective date of such termination of employment. 

(b) Discretionary Acceleration. The Administrator, in its sole discretion, may accelerate the vesting or exercisability of all or a
portion of the Options, at any time and from time to time. 
 (c) Exercise. Once vested in accordance with the provisions of this
Agreement, the Options may be exercised at any time and from time to time prior to the date such Options terminate pursuant to Section 4. Options may only be exercised with respect to whole shares of Common Stock and must be exercised in
accordance with Section 5. 
 Section 4. Termination of Options 

(a) Normal Termination Date. Unless earlier terminated pursuant to Section 4(b) or Section 8, the Options shall terminate on
the seventh anniversary of the Grant Date (the “Normal Termination Date”), if not exercised prior to such date. 
 (b)
Early Termination. If the Employee’s employment with the Company terminates for any reason, any Options held by the Employee that have not vested before the effective date of such termination of employment or that do not become vested on
such date in accordance with Section 3(a) shall terminate 

  
 2 

 
immediately upon such termination of employment and, if the Employee’s employment is terminated for Cause, all Options (whether or not then vested or exercisable) shall automatically
terminate immediately upon such termination. 
 Section 5. Manner of Exercise 

(a) General. Subject to such reasonable administrative regulations as the Administrator may adopt from time to time, the Employee may
exercise vested Options by giving at least 15 business days prior written notice to the Secretary of the Company specifying the proposed date on which the Employee desires to exercise a vested Option (the “Exercise Date”), the
number of whole shares with respect to which the Options are being exercised (the “Exercise Shares”) and the aggregate Exercise Price for such Exercise Shares (the “Aggregate Price”); provided that following a
Public Offering notice may be given within such lesser period as the Administrator may permit. Prior to a Public Offering, if, on the Exercise Date, the Employee is already party to a Subscription Agreement with the Company, the Exercise Shares
shall be subject to the Subscription Agreement to which the Employee is then a party, or if the Employee is not then party to a Subscription Agreement, then on or before the Exercise Date, the Company and the Employee shall enter into a Subscription
Agreement having substantially the same terms as set forth in Section 7. Unless otherwise determined by the Administrator, and subject to such other terms, representations and warranties as may be provided for in the Subscription Agreement,
(i) on or before the Exercise Date the Employee shall deliver to the Company full payment for the Exercise Shares in United States dollars in cash, or cash equivalents satisfactory to the Company, or, if so permitted by the Administrator
(and on such conditions as the Administrator shall determine), (A) by tender of any shares of Common Stock owned by the Employee for at least a six month period for all or a portion of the applicable exercise price and/or minimum
required withholding taxes, (B) through a net issuance arrangement pursuant to which a number of shares of Common Stock subject to the portion of the Option being exercised, having a Fair Market Value equal to the applicable exercise
price plus the required minimum withholding taxes, are retained by the Company or (C) following a Public Offering, by using a broker assisted cashless exercise program acceptable to the Administrator and (ii) the
Company shall register the issuance of the Exercise Shares on its records (or direct such issuance to be registered by the Company’s transfer agent). The Company may require the Employee to furnish or execute such other documents as the Company
shall reasonably deem necessary (i) to evidence such exercise, (ii) to determine whether registration is then required under the Securities Act or other applicable law or (iii) to comply with or satisfy the
requirements of the Securities Act, applicable state or non-U.S. securities laws or any other law. 

  
 3 

 (b) Restrictions on Exercise. Notwithstanding any other provision of this Agreement, the
Options may not be exercised in whole or in part, and no certificates representing Exercise Shares shall be delivered, (i) unless (A) all requisite approvals and consents of any governmental authority of any kind shall have
been secured, (B) the purchase of the Exercise Shares shall be exempt from registration under applicable U.S. federal and state securities laws, and applicable non-U.S. securities laws, or the Exercise Shares shall have been registered
under such laws, and (C) all applicable U.S. federal, state and local and non-U.S. tax withholding requirements shall have been satisfied or (ii) if such exercise would result in a violation of the terms or provisions of or a
default or an event of default under, any of the Financing Agreements. The Company shall use its commercially reasonable efforts to obtain any consents or approvals referred to in clause (i) (A) of the preceding sentence, but shall
otherwise have no obligations to take any steps to prevent or remove any impediment to exercise described in such sentence. 
 (c)
Treatment of vested Options upon Termination of Employment. All vested Options held by the Employee following the effective date of a termination of employment shall be terminated on a date selected by the Administrator that is within 30 days
of the next Valuation Date following the effective date of such termination of employment in exchange for a payment equal to the excess, if any, of the Fair Market Value of the Common Stock underlying such Options less the aggregate Exercise Price
of such Options, with such actual payment to be made within five business days of such date selected by the Administrator. In the event the aggregate Exercise Price of such Options equals or exceeds the Fair Market Value of the Common Stock
underlying such Options, the Options will be terminated without payment. Notwithstanding the foregoing, (i) if the date on which payment would be made pursuant to this Section 4(c) would occur following the Normal Expiration Date of the
Options, then the value used for purposes of calculating the amount of such payment will be the Fair Market Value of the Common Stock as of the Valuation Date immediately preceding the date of the Employee’s termination of employment, and such
payment will be made within 30 days of such termination of employment (but in any event, prior to the Normal Expiration Date); (ii) if the Fair Market Value on the payment date is less than the Fair Market Value as of the applicable Valuation
Date, the payment will be recalculated using such lower Fair Market Value; and (iii) if the date on which payment would be made pursuant to this Section 4(c) would occur following a Public Offering, the preceding provisions of this
Section 4(c) shall not apply, and instead, the Company shall make available a broker assisted cashless exercise program acceptable to the Administrator with respect to such Options. 

Section 6. Employee’s Representations; Investment Intention. The Employee represents and warrants that the Options have been,
and any Exercise Shares will be, 

  
 4 

 
acquired by the Employee solely for the Employee’s own account for investment and not with a view to or for sale in connection with any distribution thereof. The Employee represents and
warrants that the Employee understands that none of the Exercise Shares may be transferred, sold, pledged, hypothecated or otherwise disposed of unless the provisions of the Subscription Agreement shall have been complied with or have expired. 

Section 7. Subscription Agreement. Pursuant to Section 5(a), the Employee and the Company shall enter into a Subscription
Agreement on or prior to the first Exercise Date to occur. Such Subscription Agreement shall include, but not be limited to, provisions that: 

(a) Upon a termination of the Employee’s employment with the Company for any reason prior to a Public Offering, the Company may elect to
purchase all or a portion of the Common Stock covered by such Subscription Agreement at a purchase price per share equal to (i) the Fair Market Value of a share of Common Stock as of the date of termination if the termination occurs due
to death, Disability, or by the Company without Cause, or (ii) the lesser of (A) the Fair Market Value of a share of Common Stock as of the termination date and (B) the Fair Market Value of a share of Common Stock
on the Exercise Date if the termination occurs for any reason other than those set forth in clause (i), above. 
 (b) Subject to the terms
of the Subscription Agreement, the Company may permit the Employee to sell to the Company all or a portion of the Common Stock covered by such Subscription Agreement at a purchase price per share equal to the Fair Market Value of a share of Common
Stock on such date. 
 (c) The Employee is acquiring the shares of Common Stock solely for the Employee’s own account for investment
and not with a view to or for sale in connection with any distribution thereof in violation of the Securities Act. The Employee agrees that the Employee will not, directly or indirectly, offer, transfer, sell, pledge, hypothecate or otherwise
dispose of any of the shares of Common Stock (or solicit any offers to buy, purchase or otherwise acquire or take a pledge of any shares of Common Stock), except in compliance with (i) the Securities Act and the rules and regulations of
the Securities and Exchange Commission thereunder, (ii) applicable state and non-U.S. securities or “blue sky” laws and (iii) the provisions of the Subscription Agreement and any additional agreement between the
Employee and the Company relating to the Employee’s shares of Common Stock. 
 Section 8. Change in Control. 

(a) Vesting and Cancellation. Except as otherwise provided in this Section 8, in the event of a Change in Control, all outstanding
unvested Options shall vest and all Options shall be canceled in exchange for a payment having a value equal 

  
 5 

 
to the excess, if any, of (i) the product of the Change in Control Price multiplied by the aggregate number of shares covered by all such Options immediately prior to the Change in
Control over (ii) the Aggregate Price for all such shares, to be paid as soon as reasonably practicable, but in no event later than 30 days following the Change in Control. 

(b) Alternative Award. Notwithstanding Section 8(a), no cancellation, termination, settlement or other payment shall occur with
respect to any Option if the Administrator reasonably determines prior to the Change in Control that the Employee shall receive an Alternative Award meeting the requirements of the Plan. 

(c) Limitation of Benefits. If, whether as a result of accelerated vesting, the grant of an Alternative Award or otherwise, the
Employee would receive any payment, deemed payment or other benefit as a result of the operation of Section 8(a) or Section 8(b) that, together with any other payment, deemed payment or other benefit the Employee may receive under any
other plan, program, policy or arrangement, would constitute an “excess parachute payment” under section 280G of the Code, then, notwithstanding anything in this Agreement to the contrary, the payments, deemed payments or other benefits
the Employee would otherwise receive under Section 8(a) or Section 8(b) shall be reduced to the extent necessary to eliminate any such excess parachute payment and the Employee shall have no further rights or claims with respect thereto.
If the preceding sentence would result in a reduction of the payments, deemed payments or other benefits the Employee would otherwise receive on an after-tax basis in more than an immaterial amount, the Company will use its commercially reasonable
efforts to seek the approval of the Company’s shareholders in the manner provided for in section 280G(b)(5) of the Code and the regulations thereunder with respect to such reduced payments or other benefits (if the Company is eligible to do
so), so that such payments would not be treated as “parachute payments” for these purposes (and therefore would cease to be subject to reduction pursuant to this Section 8(c)). 

Section 9. Miscellaneous. 

(a) Withholding. The Company or one of its Subsidiaries shall have the power to withhold, or to require the Employee to remit to the
Company an amount in cash sufficient to satisfy any applicable U.S. federal, state and local and non-U.S. tax withholding or other similar charges or fees that may arise in connection with the grant, vesting, exercise or purchase of the Options.

 (b) Authorization to Share Personal Data. The Employee authorizes any affiliate of the Company that employs the Employee or that
otherwise has or 

  
 6 

 
lawfully obtains personal data relating to the Employee to divulge or transfer such personal data to the Company or to a third party, in each case in any jurisdiction, if and to the extent
necessary or appropriate in connection with this Agreement or the administration of the Plan. 
 (c) No Rights as Stockholder; No Voting
Rights. The Employee shall have no rights as a stockholder of the Company with respect to any shares of Common Stock covered by the Options until the exercise of the Options and delivery of the shares of Common Stock. Except as provided in
Section 4.3 of the Plan, no adjustment shall be made for dividends or other rights for which the record date is prior to the delivery of the shares of Common Stock. Any shares of Common Stock delivered in respect of the Options shall be subject
to the Subscription Agreement and the Employee shall have no voting rights with respect to such shares until such time as specified in the Subscription Agreement. 

(d) No Right to Continued Employment. Nothing in this Agreement shall be deemed to confer on the Employee any right to continue in the
employ of the Company or any Subsidiary, or to interfere with or limit in any way the right of the Company or any Subsidiary to terminate such employment at any time. 

(e) Non-Transferability of Options. The Options may be exercised only by the Employee, or, following the Employee’s death, by his
designated beneficiary or by his estate in the absence of a designated beneficiary. The Options are not assignable or transferable, in whole or in part, and they may not, directly or indirectly, be offered, transferred, sold, pledged, assigned,
alienated, hypothecated or otherwise disposed of or encumbered (including, but not limited to, by gift, operation of law or otherwise) other than by will or by the laws of descent and distribution to the estate of the Employee upon the
Employee’s death or with the Company’s consent. 
 (f) Notices. All notices and other communications required or permitted
to be given under this Agreement shall be in writing and shall be deemed to have been given if delivered personally or sent by certified or express mail, return receipt requested, postage prepaid, or by any recognized international equivalent of
such delivery, to the Company or the Employee, as the case may be, at the following addresses or to such other address as the Company or the Employee, as the case may be, shall specify by notice to the other: 

(i) if to the Company, to it at: 

Fidelity & Guaranty Life Holdings, Inc. 

1001 Fleet Street, 6th Floor 

Baltimore, MD 21202 

Attn: General Counsel 

  
 7 

 With a copy to: 

Harbinger Group, Inc. 

450 Park Ave, 30th Floor 

New York New York 10022 

Attn: General Counsel 

(ii) if to the Employee, to the Employee at his or her most recent address as shown on the books and records of the Company or
Subsidiary employing the Employee. 
 All such notices and communications shall be deemed to have been received on the date of delivery if
delivered personally or on the third business day after the mailing thereof. 
 (g) Binding Effect; Benefits. This Agreement shall be
binding upon and inure to the benefit of the parties to this Agreement and their respective successors and assigns. Nothing in this Agreement, express or implied, is intended or shall be construed to give any person other than the parties to this
Agreement or their respective successors or assigns any legal or equitable right, remedy or claim under or in respect of any agreement or any provision contained herein. 

(h) Waiver. Any party hereto or beneficiary hereof may by written notice to the other parties (A) extend the time for the
performance of any of the obligations or other actions of the other parties under this Agreement, (B) waive compliance with any of the conditions or covenants of the other parties contained in this Agreement and (C) waive or
modify performance of any of the obligations of the other parties under this Agreement. Except as provided in the preceding sentence, no action taken pursuant to this Agreement, including, without limitation, any investigation by or on behalf of any
party or beneficiary, shall be deemed to constitute a waiver by the party or beneficiary taking such action of compliance with any representations, warranties, covenants or agreements contained herein. The waiver by any party hereto or beneficiary
hereof of a breach of any provision of this Agreement shall not operate or be construed as a waiver of any preceding or succeeding breach and no failure by a party or beneficiary to exercise any right or privilege hereunder shall be deemed a waiver
of such party’s or beneficiary’s rights or privileges hereunder or shall be deemed a waiver of such party’s or beneficiary’s rights to exercise the same at any subsequent time or times hereunder. 

(i) Amendment. This Agreement may not be amended, modified or supplemented orally, but only by a written instrument executed by the
Employee and the Company. 

  
 8 

 (j) Assignability. Neither this Agreement nor any right, remedy, obligation or liability
arising hereunder or by reason hereof shall be assignable by the Company or the Employee without the prior written consent of the other party. 

(k) Applicable Law. This Agreement shall be governed by and construed in accordance with the law of the State of Delaware regardless of
the application of rules of conflict of law that would apply the laws of any other jurisdiction. 
 (l) Arbitration; Waiver of Jury
Trial. Any dispute, controversy or claim arising out of or pursuant to the Plan, this Agreement, any other agreement entered into pursuant to the Plan or any undertakings, covenants and agreements incorporated by reference into the Plan or this
Agreement shall be submitted to and finally determined by binding arbitration to be held in New York, New York at the American Arbitration Association, before one arbitrator under an in accordance with the American Arbitration Association’s
Commercial Rules, with each party to be responsible for its own attorney’s fees and costs incurred in connection therewith. In the event that this arbitration provision is determined by a court with appropriate jurisdiction to be unenforceable,
the Company and the Employee each hereby waives the right, if any, to a trial by jury of any claim that would have been subject to arbitration under this Section 9(1). Each party (i) certifies that no representative, agent or
attorney of any other party has represented, expressly or otherwise, that such other party would not, in the event of litigation, seek to enforce the foregoing waiver and (ii) acknowledges that it and the other parties have been induced
to enter into the Agreement by, among other things, the mutual waivers and certifications in this Section 9(1). 
 (m) Titles and
Headings. The titles and headings of the sections in this Agreement are for convenience of reference only and shall not affect the meaning or interpretation of this Agreement. 

(n) Gender and Number. Except where otherwise indicated by the context, any masculine term used herein shall also include the feminine;
the plural shall include the singular and the singular shall include the plural. 
 (o) Counterparts. This Agreement may be executed
in any number of counterparts, each of which shall be deemed to be an original and all of which together shall constitute one and the same instrument. 

[Signature Page Follows] 

  
 9 

 IN WITNESS WHEREOF, the Company and the Employee have executed this Agreement as of the date
first above written. 
  

							
		 	  
	 FIDELITY & GUARANTY LIFE HOLDINGS, INC.

			
		 	 	By:	  	 	  

		 				 	Name:
		 				 	Title:
		
		 	  
	 THE EMPLOYEE:

		
		 	  
	 «Name»

			
		 				 	  

			
	 Address of the Employee:
	 				 	
		
	 Total Number of Shares
	 	  
	 Exercise Price

	 for the Purchase of Which
	 				 	
	 Options have been Granted
	 				 	

  
 10

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