Agmt 2004 Hartford Life Insurance Company

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Account included in this GFA Substitution may occur,if shares of any Funds} become unavailable, or due to changes in the applicable law or interpretaxi.ons of law, or as the Company otherwise deems appropriate. The Company also reserves the right, in its sole discaetion and subj ect to compliance with applicable law, to add, rep]~ace, or delete Separate Accounts and/or Funds (with or without differing investment objectives) to or from this GFA, and to terminate ongoing Corrtributions to Separate Accounts and/or Funds under this GFA, provided the Company gives the GFA Owner thirty (30) days advance written notice of its intent to do so, and further provided that the Company takes the same action(s) with respect to all contracts of the same Mass and risk characteristii.c~. If the Company adds additional Separate Accounts and/or Funds to this GFA, the Separate Accounts and/or Funds so added will be subject to the charges, fees, and transfer restrictions then in effect for such Separate Accounts and/or Fiords as set forth in the mast recent Administrative Notice at the time they are added to this GFA Comneting_Ftmds For purposes of applying the transfer restrictions described under CONTRIBUTION PROVISIONS and WITHDRAWAL PROVISIONS, the following Funds are considered competing funds ("Competing Funds''): General Account SEI Stable Value Union Safe Vanguard Prime Money Market The Compaq reserves the right, in its sole discretion, to determine~whether or not any Fund included in this GFA or the most recent Administrative Notice on the Effective Date or subsequently .added to this GFA or the most recent Administrative Notice after the Effective Daze is or has become a~Competing Fund and to change its prior position wi$i respect to arty such Fund upon ~' (30) days notice to the GFA Owner. Deduction for Pro_giram and Administrative Expenses For purposes of this GFA, the term, Program and Administrative Expenses shall include, birt not be limited to services for comprehensive recordkeeping services, group enrollmentmeetings, individual counseling sessions, marketing ~d educaiiozaal materials, retirement planning s in ~, .quarterly statements, performance reports, newsletters and compliance activities. For assuming the Program. and Administrative Expenses under this GFA the Company makes a deduction from the average quarterly net assets of the Separate Accounts as described below. The deductions, as set forth in this GFA or ~e most recent Administrative Notice, maybe decreased by the Company, in its. sole discretion and may be increased by the Company upon 45 days advance written notice to the GFA Owner, and subj ect to a maximum deduction of 2.OOd/o per year from the average quarterly net assess of each Separate account included in $iis GFA If directed by $ie GFA Owner, the Company may agree to, but is not required to, bill all or any porfion of such Program and Administrative Expenses in lieu of the amiualized rate of deduction Hir1.6553 3