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~TFO~a i"1TT. INSURANCE coMPAN'.~ <br />sARTFaxn, coxxECT~cLrr <br />(A stock insurance company hereum called the Company) <br />group Fuudiuig.Agreement <br />This GFA makes provisions for the accumulation of GFA <br />values in the General Account and/or Separate Accounts of the Company. <br />Nonpariiapating <br />ALL PAYMENT'S AND VALUES PROVIDED BY THIS <br />GP'A., WIN BASED ON INVESTMENT <br />EXPERIENCE OF A SEPARATE ACCOUNT, ARlr <br />VARIABLE AND ARE NOT GUARA~ITEID A5 TO <br />FLX'ED DOLLAR AMOUNT. <br />HL-16553 <br />Prmtedm U.S.A. <br />