Document:

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                                                                  EXHIBIT 10.35

                                                       December 4, 2001

iVillage Inc.
512 Seventh Avenue
New York, NY 10018

Attention: Mr. Scott Levine
           Chief Financial Officer

Dear Mr. Levine:

         Promotions.com, Inc. ("Promotions.com" or the "Company") understands
that iVillage Inc. ("iVillage") is interested in receiving information about the
Company in connection with its evaluation of a possible transaction with the
Company. Promotions.com will furnish you with information regarding the Company,
including information which is either non-public, confidential or proprietary in
nature. All information furnished to you or your directors, officers, employees,
agents or representatives, including without limitation attorneys, accountants,
consultants and financial advisors (collectively, "representatives"), by the
Company, or any of their respective representatives, and all analyses,
compilations, data, studies or other documents prepared by you or your
representatives containing or based in whole or in part on any such furnished
information or reflecting your review of, or interest in, the Company
(collectively, "Analyses") is hereinafter referred to as the "Information."
Promotions further understands that in connection with iVillage's evaution of a
possible transaction with it, iVillage may disclose similar Information to
Promotions and Promotions agrees to be similarly bound by the provisions below.

         In consideration of being furnished with the Information, you agree to
the following provisions:

         1. The Information will be kept confidential and will not, without the
prior written consent of the Company be disclosed by you or your representatives
to any other person, in any manner whatsoever, in whole or in part, and will not
be used by you or your representatives for any purpose other than evaluating a
possible transaction with the Company. Moreover, you agree to transmit the
Information only to those representatives who need to know the Information for
the purpose of evaluating your possible transaction with the Company, who are
informed by you of the confidential nature of the Information and who agree to
be bound by the terms of this Agreement. You will be responsible for any breach
of this Agreement by your representatives. This Agreement and the parties
respective obligations hereunder shall terminate one (1) year after the date
first written above.

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iVillage Inc.
December 4, 2001
Page 2

         2. Without the prior written consent of the Company, you and your
representatives will not disclose to any other person the fact that the
Information has been made available, that discussions or negotiations are taking
place concerning a possible transaction involving you and the Company, or any of
the terms, conditions or other facts with respect to any such possible
transaction, including the status thereof, except as required by law and then
only with proper written notice as soon as possible to the Company.

         3. You shall keep a record of each location of the Information. The
Information and all copies thereof will be destroyed or returned immediately
without retaining any copies thereof (except for one (1) archival copy), if you
do not within a reasonable time proceed with a transaction involving the
Company, or upon request; provided, however, that any Information containing
Analyses must be destroyed rather than returned to the Company (with the
exception of the archival copy referred to above).

         4. This Agreement shall be inoperative as to such portions of the
Information which (i) are or become generally available to the public other than
as a result of a disclosure by you or your representatives; (ii) become
available to you on a non-confidential basis from a source other than the
Company or one of its representatives which has represented to you (and which
you have no reason to disbelieve after due inquiry) is entitled to disclose it;
(iii) were known to you on a non-confidential basis prior to their disclosure to
you by the Company or one of its representatives; or (iv) was independently
developed by you without access to the Information as shown by your
contemporaneous written records.

         5. You understand that the Company has endeavored to include in the
Information those materials which it believes to be reliable and relevant for
the purpose of your evaluation, but you acknowledge that neither the Company nor
any of its representatives or advisors makes any representation or warranty as
to the accuracy or completeness of the Information. You agree that neither the
Company nor any of its representatives or advisors shall have any liability to
you or to any of your representatives as a result of the use of the Information
by you and your representatives, and you understand that only those particular
representations and warranties which may be made by the Company to the purchaser
of the assets, stock or business of the Company in a definitive agreement, when,
as and if it is executed, and subject to such limitations and restrictions as
may be specified in such definitive agreement, shall have any legal effect.

         6. You agree that, without the Company's prior written consent, you
will not, for a period of three (3) months from the date of this Agreement,
directly or indirectly, (i) directly solicit the employment of any key employee,
officer or senior manager of the Company who first became known to you during
your evaluation of a possible transaction with the Company or (ii) hire any key
employee, officer or senior manager employed by the Company or any former key
employee, officer or senior manager, in either case who first became known to
you during your evaluation of a possible transaction with the Company, whose
employment with the Company has ceased within 30 days of such solicitation or
hire; provided, however, that this Section 6 shall not prohibit or prevent you
from general advertising or other broad non-targeted forms of solicitation or
from hiring any key employee, officer or senior manager employed by the Company
who initiates contact with you in the absence of targeted solicitation.

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iVillage Inc.
December 4, 2001
Page 3

         7. In the event that you or anyone to whom you transmit the Information
pursuant to this Agreement is requested or become legally compelled (by oral
questions, interrogatories, request for information or documents, subpoena,
civil investigative demand or similar process) to disclose any of the
Information, you will provide the Company with prompt written notice so that the
Company may seek a protective order or other appropriate remedy and/or waive
compliance with the provisions of this Agreement. In the event that such
protective order or other remedy is not obtained, or that the Company waives
compliance with the provisions of this Agreement, you will furnish only that
portion of the Information which is legally required and will exercise your best
efforts to obtain reliable assurance that confidential treatment will be
accorded the Information.

         8. You agree that money damages would not be a sufficient remedy for
any breach of this agreement by you or your direction, officers, employees and
agents, and the Company shall be entitled to equitable relief, including
injunction and specific performance, in the event of any breach of the
provisions of paragraphs 1, 2, 3, or 6 of this Agreement. Such remedies shall
not be deemed to be the exclusive remedies for a breach of this Agreement by you
or your representatives but shall be in addition to all other remedies available
at law or equity.

         9. It is further understood and agreed that no failure or delay by the
Company in exercising any right, power or privilege under this Agreement shall
operate as a waiver thereof nor shall any single or partial exercise thereof
preclude any other or further exercise of any right, power or privilege
hereunder.

         10. You acknowledge that you are aware and that you will advise such
directors, officers, employees and representatives who are informed as to the
matters which are the subject of this letter, that the United States securities
laws prohibit any person who has received from an issuer material, non-public
information concerning the matters which are the subject of this letter from
purchasing or selling securities of such issuer or from communicating such
information to any other person under circumstances in which it is reasonably
foreseeable that such person is likely to purchase or sell such securities.

         11. This Agreement shall be governed and construed in accordance with
the laws of the State of New York applicable to agreements made and to be
performed within such state.

Very truly yours,

PROMOTIONS.COM, INC.

By:  /s/ Lawrence Quartaro
     ------------------------------------------------
        Lawrence Quartaro, CFO

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iVillage Inc.
December 4, 2001
Page 4

Agreed to and accepted on ____________________ , 2001

iVILLAGE INC.

By: /s/ Scott Levine
    ----------------------------------------
    Scott Levine, Chief Financial OfficerCONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in the Prospectus constituting part of this
Post-Effective Amendment No. 32 to the Guardian Separate Account A registration
statement on Form N-4 (the "Registration Statement") of our report dated
February 15, 2002, relating to the financial statements of The Guardian Separate
Account A, and our report dated February 20, 2002, relating to the consolidated
financial statements of The Guardian Insurance & Annuity Company, Inc., which
appear in such Registration Statement. We also consent to the reference to us
under the heading "Financial and Actuarial Experts" in such Registration
Statement.

/s/ PricewaterhouseCoopers LLP

New York, New York
April 26, 2002

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