Agmt 2004 Hartford Life Insurance Company

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SECTION 5 - GINERAL PROVISIONS (a) The GFA This GFA, the application for such GFA, any Administrative Notices and any endorsements or riders thereto, when issued to the GFA Owner constitute the e~ire GFA. All statements in the application shall, in the absence of fraud, be deemed representations and not warranties. No statement shall void this GFA or be used in defense of a claim under it unless captained in the written application for this GFA C~'A Years, months and anniversaries shall be computed from the Effective Date of this GFA (b) Modification of the GFA This GFA may be modified at a~ time by written agreement between, the GFA Owner and the Company. In addition, this GFA may be.modified at any time by the Company to comply with applicable law. No modification may operate in a manner inconsistent with the GFA Control Provisions of this GFA On and after the fifth GFA Year, the Company may modify any or all the terms of this GFA upon 90 days' advance written notice of such change to the GFA Notwithstanding a~ such changes, the guaranteed interest rates which apply on the effective date.of the -GFA continue to apply to all contributions, and earrings, if aay thereon, in effect at the time the contribution was credited to the GFA Owner. Any modification of iris GF'A requires the signature of the President, a Vice President, an Assistant Vice Presidenf.or Secretary of the Company. (c) Suspension of the GFA The GFA Owner may suspend this GFA upon ninety (90) days advance written notice to the Compaq at its Office in Hartford, Connecticut (or at any other address fne Compaq map specify). On suspension, Contributions will not be accepted by the Company. (d) Non-Participating This GFA does not share in the surplus earnings of the Company. (e) Overoayments/Underpayments Any underpayments by the Company shall be made up immediately and any overpaymeirts shall first be charged. against future amour becoming payable. HL-1653 14